AF just hit on DW's card and no retention offer. Either going to close or downgrade to Ink Cash (if that is an option). Is there any reason why I should do one over the other? Don't use the card for 50k worth of Staples (and I have my own Ink if I want to MF points with Staples). If I downgrade, will I still be able to get the bonus on the Ink Cash down the line?