CSR ($25k annual spend): Ask for credit to offset $450 annual fee. No offers available to do that. Rep said we now have 40 days from when fee posted to close / downgrade account to receive full refund. She also said that after that, you can downgrade your card and receive a prorated refund of the annual fee (Citibank did that for me last year with their AA plat card).

I plan to transfer my Ultimate Rewards points to my CFU card and downgrade my CSR to a Flex card. Then, a year from now I'll apply for a Chase Sapphire Preferred card (i usually .

Question: I had the CSR card since the February after they created it (I remember it came out in the Fall), so I think that enough years have passed to be eligible for another Sapphire bonus as long as I don't have both cards at the same time, right?