Downgrading my amex plat bc I don't spend enough to make it worth. Should I spend all the points before down grading to a 0 annual fee card?

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You’ll still have the points after you downgrade - no rush

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Does the point Conversion change after downgrading ? I'm worried about devaluing my points

Update - thanks for your advice! Can confirm all above is true

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I opted for the downgrade to gold. They didn't offer the retention offer maybe because I said I wasn't going to travel as much this year. But they tried to sell me on staying in plat by going over the benefits again

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You can’t downgrade to an annual fee of $0. Best they can do is the Green Amex, which is around $159, I think.

Oh really how come?

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