Originally Posted by
MisterBill
My card is fee-free thanks to a loyalty offer I got a couple of years ago (no annual fee if I have any other US Bank account), so I will keep it and the points until I find a use for them.
What card did you have before and what did it earn?
Your card to earn at the "legacy" no-AF rate (1 FlexPerks point for every $2 spend, unless you spend $$$$$$ a year), per item 2 in the picture's text section. That's the same earning I have on my cards with has been no AF since converted a decade or so ago from a no AF Northwest Airlines card. So it seems like you simply "downgraded" to the "crippled" no-AF card.
But these days you can apply for a no-AF Amex card that earns 1 FlexPerks point for every $1 spend, so these "legacy" no-AF cards seem like junk by comparison.
Meanwhile, any bank may close a no-AF card after some time of "no activity" (for that reason). So even if you're otherwise not using it, you may want to do a tiny purchase once every year or so just to make sure that it stays alive.