Originally Posted by
Boraxo
+1. As a 1K based at SFO I use the UC about 10x more than PP lounges. For me it is probably the single biggest benefit of the card beyond earning Chase UR points (and there are many other cards that offer that feature). I am sure we all wish we had foresight to invest in lifetime Admirals & CO/EA lounge memberships, but it simply wasn't an option for a starving grad student without heavy travel.
+1. I ditched CSR after the first year, it offers zero benefit beyond JPM-R. As I'm now under 5/24, will be looking at other Chase cards soon including Chase Freedom - probably should have obtained it years ago as it earns 1.5 UR per $1 on everyday spend, ironically better than JPM-R.
You could have downgraded the CSR to the Freedom or Freedom Unlimited.