However, with the 20 % redemption, why would you want to buy a second annual fee card such as the United Card and then put the points on that card? (millionmilesecrets.com)
When it came time for the second annual fee, I redeemed as much of my points for travel as I could (probably around $ 400 - 450 worth) and downgraded to the basic no - fee arrival card. (doctorofcredit.com)
Because the year runs from December to December, people who received the card before December 2016 by now could have received $ 600 in credits before their second annual fee comes due. (creditcards.com)