I have a US Bank XXXX XXXX XXXX credit card. Recently, US Bank has changed major benefits of the credit card. 
The most significant change was the elimination of the second free night award redemption as of XXXX XXXX, 2015. 
This was the single best feature of the this card that made it worth while of the annual fee. Had this benefit not been available, I would not have applied for this card. 
Also, starting XXXX XXXX, 2015, that benefit was replaced by an annual free night when you spend {$10000.00} on the card per year. However, you had to spend {$10000.00} in the previous year prior to the statements with the next annual fee. Because of the start date of XXXX XXXX, 2015, I only had 15 days to spend {$10000.00}, which was not enough. 
