I recently applied for the US Bank XXXX XXXX Visa, which advertised a XXXX night free with any award stay while I had the card, in addition to paying a {$75.00} fee. I was recently notified that the benefit was being removed without an in-kind benefit being added. I spoke with customer service and was offered XXXX points, which was worth maybe {$12.00}. After indicating that this was unsatisfactory I filed a complaint last week. I was called regarding this, and the gentleman I spoke with said I could get either XXXX points ( ~ {$32.00} ), or cancel the account and get a refund of the annual fee. However, even refunding the annual fee does not account for the loss I have taken to my credit score in applying for this card, which includes both a hard credit pull and a lowering of my average account age, both of which can affect the interest rates I receive in the long-term. I was aware of this when I applied for the card, but at the time, it was worth it for the benefit of the XXXX night free. Refunding the annual fee therefore does not adequately reimburse me for all the financial cost I took on applying for the card. 
