To the credit card gurus: does it make sense to drop a chase sapphire reserved to the next lower card given my situation? I already have the Freedom Unlimited, left consulting years ago so I don't travel for work, not planning on personal travel either much this upcoming year because of covid, almost all my transactions are on the CSR totaling ~$1k/month, and want to minimize expenses since I'm in school now.

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Downgrade! I did that also this year to all my cards. Once life gets back to normal I’ll start to upgrade them as needed.

I just called to convert all my cards to no annual fee options. Got a bunch of annual fee prorated refunds too.

(and it has no impact on credit score)

I dropped my CSR to a second Freedom

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