Sapphire Reserve: AF Timing and AA Concern

[wasCB14]

I got CSR around April or May 2018. With some Amex changes and the likely addition of a BofA Premium Rewards, I may PC CSR to a no-AF Sapphire card in the hope of later PCing it to another 5x Freedom card.

Does Chase still prorate AFs for PCs, such that I could expect roughly a 1/3 AF refund if I PCed around January 2020?

I guess I could keep it until around June 2020...get the $300 travel credit and then get a refund of most of the AF. I might actually come out a bit ahead that way vs. PCing in January 2020. But I wonder if that would be even more likely to trigger AA from Chase.

Thoughts?

[simplynoir]

They'll prorate it according to datapoints I read on Flyertalk and this article as well. I wouldn't push my luck on using the $300 travel credit when the AF posts and then downgrading after the fact if you like Chase and their services

[randomguy1]

I have read a lot of data points about them prorating. Some people do use the travel credit before PCing but it depends on your risk tolerance.

[wasCB14]

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@simplynoir wrote:

They'll prorate it according to datapoints I read on Flyertalk and this article as well. I wouldn't push my luck on using the $300 travel credit when the AF posts and then downgrading after the fact if you like Chase and their services

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So probably best to PC in January 2020 (once Platinum's travel insurance improves and a Christmas/New Year trip ends)?

I like my closed-to-new-apps IHG and Hyatt cards. I'm definitely not interested in losing either one over a matter of a few dollars.

[simplynoir]

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@wasCB14 wrote:

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@simplynoir wrote:

They'll prorate it according to datapoints I read on Flyertalk and this article as well. I wouldn't push my luck on using the $300 travel credit when the AF posts and then downgrading after the fact if you like Chase and their services

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So probably best to PC in January 2020 (once Platinum's travel insurance improves and a Christmas/New Year trip ends)?

I like my closed-to-new-apps IHG and Hyatt cards. I'm definitely not interested in losing either one over a matter of a few dollars.

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Yes, that's what I would do if I was in your position. The prorated AF will basically put you at even when the travel credit is taken into account which is not too shabby