Like many - big disappointment in the devaluation of earnings rate.
That said - trying to earn as many as possible in the current scheme - and starting to get tactical I see this question...
How about the earnings rate switch and statement dates? 2 scenarios I see:
1) all spend on the card prior to 8/1 gets converted at 3 points / spend after 2 points - regardless of statement dates
2) any statements that close prior to 8/1 get 3 points / statements that close after 8/1 get 2 points (which would include some charges in July)
Maybe I'm overthinking it - clearly #1 is what I would anticipate and expect - just dont want to be surprised.