Originally Posted by DaveInLA

I had the CSP for 2 years and paid the AF once. I know all the bloggers call this the single best card to have, but I just don't feel that way. The signup bonus is good, but not great (40K). The versatility is nice, as is the 7% points dividend, but probably not worth $95. There are VERY few reports of people getting Chase to waive the AF. I kept it after the first year because I had earned 75K points that year and I figured that 5K+ UR would be worth the $95, but I couldn't justify it for another year. Instead, the Ink gives a higher signup bonus, still gets 2x at hotels, and is much easier to waive the AF.