I hear what you mean. I wish I could have a definite plan it's just the coronavirus makes things more complicated for future plans. I decided though that I definitely want to downgrade the CSR and get the annual fee back from Chase, but of course I know once I downgrade it to a Freedom then I won't be able to transfer points to reward partners anymore. I'm okay with that trade off, but it just means I need to have a plan to transfer all my UR points out before the end of June. That's why I'm thinking Hyatt.. Hyatt seems very flexible with using points for hotels.. no close in fees and no cancellation fees like when trying to use miles with United.