Thanks for the data point. Ignore the people asking for "evidence" like this is CSI. I went ahead and downgraded to the no annual fee Visa Signature version. If you could trust CNB to value the points consistently, this card actually has better bonus categories. Had to contact my banker and he sent me a form to sign via email for the downgrade. Interestingly, my AF hit last year on 1/18 but has yet to hit this year.
AFs are charged on the last billing day of your anniversary month, so if you opened the card any time in January, your AF will post on Jan 31.