Downgrading CSR to Flex. I don’t have any immediate travel plans but usually fly United and stay at Marriotts. I don’t have any status with Hyatt. Is transferring all my chase points (~150k) to united preemptively before I close my CSR account going to yield max value or are there other transfer partners I should consider?

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Just hold on to the points. Eventually go with CS Preferred if the other CSR benefits don’t matter and you’ll still get 1.25X, which I’m finding still beats most transfers.

I don’t want to have Preferred for another 2 years to get a bonus. Unless it’s allowed to downgrade to preferred but then still apply for another preferred to get a sign-up bonus in 2 years (I got my CSR bonus 2 years ago).

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