Credit Cards
A community for discussing any aspect of credit cards. It is important to pay them in full and on time. Please ask questions and contribute to the knowledge surrounding credit cards
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In general the CSR is a good option but if you are justifying the coat with insurance and PP dining options, you may want to look into the Ritz card, it gets the same insurance and techically a better priority pass vs the CSR, because your free AU gets their own pass, and supposedly you have unlimited guests but YMMV. You get a free Marriott night on your anniversary for 85k bonvoy points and the $300 airline incidental is very broad, I have been successful so far in using it for United travel bank for instance, but the AF is $450.
To answer your original question I was under the impression that you have to downgrade and apply for a new card and I would make sure to wait to the beginning of the first month after your 4 year anniversary.