Here is my take on the Arrival - mine is approaching the anniversary - card has seen large value transactions when staying home. Card is used extensively when aboard but with small value transactions, ranging from below $1 to a few hundred $. Frequency of usage is high.

I will see if they offer statement credit to offset AF once it is billed. If not, there is not much loss to X the card as the differential on earning is a measly 0.2% from the rebate. Given Aviator cards have the SAME PIN capability, I dont see the need to keep A+ for European travel which we used PIN transaction EXACTLY ONCE on the Apr/May trip just finished, and NONE on the trip in Feb/Mar. Rinse and Repeat seems to me a much better option than downgrade.