Originally Posted by neony77

Hello All,

I upgraded late last year to Bonvoy luxury card from SPG personal as I had a targeted upgrade offer. Now with everything going on and minimal travel on the horizon I am contemplating whether I should go ahead and downgrade the card (it has to be down to the $95 card correct? there is no no-fee card option?). Amex still does pro-rated refunds for downgrades correct? One reason I was considering to keep it until renewal is to get the 50K free night certificate but from my reading it sounds like you'll only get the 50k free night certificate if you hold the luxury card 8-12 weeks after AF is billed (I was likely going to downgrade when AF hits).

Anyone care to share their thoughts on the best course of action?

Thanks!