Originally Posted by
bodiddely
If you put $5500/year on travel/dining expenses on the card (that you would otherwise put on CSP) you will break even on the fee differential vs CSP, assuming a value of 1cpp. Anything more than that (or less depending on your valuation of UR) and CSR is better. I put a lot more than that on my CSP right now so it's a no-brainer for me to keep CSR long term.
I did the same sort of math to figure out if I should add my wife as an AU. At minimum 1.5c per point, figured she needed to spend $3333.33 in a year on dining/travel (without me there to use my CSR) to break even on the $75 vs. the Freedom Unlimited 1.5x. We no longer have a CSP, right now. That spend, earning 3x instead of 1.5x, is 5000 extra points, and at 1.5cpp that's $75.
I think she'll easily make that spend without me, given a whole year. Plus, I value the points a little more than the 1.5c, too. So seems like the right move.