Honestly, I've thought about moving all our URs to my wife's CSR and downgrading mine. I've shifted most of my dining spend to the Amex Gold (even though I know Chase has a broader "dining" category that more consistently codes for 3x UR, and I find Amex isn't accepted at a lot of places), and I don't have enough travel charges to earn enough 3x URs to justify the cost of continuing holding the CSR (when I still have the CIP, which also earns 3x UR for travel). I'm weighing downgrading the CSR when my AF comes up in January, but not before I use up the $300 travel credit that resets in December.
A few more thoughts: I've got more Priority Passes and GE/TSA Precheck credits than I know what to do with (and since Chase limited the CSR’s PP to 2 guests, it’s not any better than the PP from other cards)! The Plat has better extended warranty (2 years) than the CSR, so there's little reason to put big purchases on the CSR since Chase got rid of price protection. The CSR does offer better trip interruption/cancelation insurance, and primary rental car insurance.
Chase gives you 30 days after the AF is billed to
cancel and receive a full refund. After 30 days,
no refunds for cancelations. However, Chase gives you 30 (I've also seen up to 40) days to
product change to a no AF card and get a full refund. After that, you can still get a
prorated refund for product changes.
If DH got his CSR 2 years ago, his $300 travel credit is still on the calendar year, and should reset after his December statement date. I'm guessing DH's AF will post on 11/1. Say DH pays the $450 and keeps his card through December to use up the travel credit, he should still be able to get at least a $375 refund when he PCs to a Freedom. So $300 travel credits at a cost of $75.
(Someone please check my math.
It's early and I'm still sipping my coffee.
)