No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
If I get the CSP and then downgrade to the Flex what happens to my UR points?
Nothing. They stay exactly as is. The only impact is when you try to redeem them, then you won't get the amplifier. I've done this (from CSR to Freedom Flex) and all my points remained in tact.