1. If you keep the CSP as your only card how will your spend be in 2013? Approx?

2. What are your miles & points goals? Free flights? Free hotel stays?

3. Chase UR points are pretty valuable for some airlines & hotels. Usually you hear about 1.5 to 2 cents a point. So $95 per year, divided by .02 equals $4750 in spend. Plus your 7% refund. Plus the UR pts you earn from the $4750 spend. You also get a 25% discount if you use your UR pts to book travel.

Sounds like a keeper to me. Check out some of the blogs for more analysis.

You can also get another 50K UR pts by applying for the Chase Bold or Ink business cards. They require you charge $5000 w/in 3 months. I'm sure you have some type of business.