- Centurion Member
- Posts: 1145
- Joined: Sun Jan 26, 2014 3:55 am
- Location: US
As takeshi pointed out there really isn't much you can do about your AAoA. Rewards programs are going to change over time, often for the worse. It just comes with the territory, but earning even just 1% on all the spending you would be making anyway still makes the rewards game well worth it.
Maybe you should focus on cash back cards. The returns may change over time but what you earn is solid because it is in the form of cash and not points or miles, whose valuations can always go down. Or, since you travel a lot, perhaps a versatile travel card is best suited for you. Something like a CSP or Arrival+ can always get nerfed, but the rewards programs aren't tied to one airline/hotel/etc.
If you do find yourself in that situation it may be possible to PC to another card from that issuer. It is a difficult topic to navigate, just because there is no way to anticipate what will get cut. I must say, though, that the only reason I am not applying for the Citi Double Cash myself is because 2% back on everything sounds too good to be true and I have no confidence that it would last long-term.
EX - 804 (10/16) | TU - 803 (10/16)
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now