I have XXXX US Bank XXXX XXXX XXXX ( Business and Personal ) between myself and my girlfriend. We paid annual fees for each card this year under the assumption that the current reward of " XXXX free night hotel when booked with points '' would remain active for the remainder of the year for which we paid the annual fee. US Bank is changing this effective XXXX XXXX, 2015 and removing this benefit. This is a deceptive bait and switch tactic, and we are no longer getting the value we paid for in the annual fee. 
