Hey guys,

Newbie here, last fall I signed up for CSP for the bonus and it is really the only CC I have besides a Capital One card that I haven't used in ages.

I'm getting ready to move my regular checking/savings account to Chase (which actually now comes with a cash bonus). I'm thinking that my best bet is to eat the $95 fee this year for CSP, sign up for United Mileage Plus Explorer around the same time as the banking move to get 50K bonus miles, and maybe sign up for Freedom as well just to get that $100 cashback.

Then in 3 months or so after doing some more reading I can do a few more cards, same in 6 months, and then by that point I'll know where I want to transfer my Freedom and CSP points.

My other option is to switch banks, move CSP points to United after getting United Mileage Plus Explorer, then canceling CSP. But I still haven't really figured out all the pros/cons of the different programs and have yet to decide where I'm traveling next year so $95 to keep that flexibility isn't a bad choice.

If you have any thoughts, please let me know. Thanks.