Currently have CSR and thinking about downgrading to one of the Freedom cards. I currently have 150k in points. How would that effect it if I were to downgrade to a Freedom card?

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Use them right now on grocery purchases, as allowed right now, for 1.5 times value. I believe you can redeem for purchases made upto 3 months back.

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^redeem all your points now at 1.5x value via the “pay yourself back” statement credit benefit then downgrade after

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Another option is to convert to airline / hotel miles etc if you have a trip coming up.

I did the same thing this week and conv my 25K miles to southwest. With companion pass those miles are worth way more than 1.5c

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