Originally Posted by
jags86
I don’t think it makes sense to keep the CSR anymore if you have the new Gold Card. You can use your Ink Preferred for 3x travel US and Int’l, and you can get the Uber Visa for 4% cashback and 0% FTF on international dining. If you assume 1 UR = $0.015 then the incremental annual fee from the Ink Preferred to the CSR is $68.50. ($450-$300+the $13.50 you no longer earn in rewards on that $300 in spend). To make up that $68.50 you’d need to spend $13,700 on international dining a year. Maybe some of you do I just don’t find that reasonable. The only other valuable benefit the CSR holds is the primary rental insurance and I really very rarely rent a domestic car for personal use.
The value of Chase CSR is far beyond what you just said. To pool all the Chase URs, you need either CSR or CSP. And CSR's 1.5x UR multiplier is the floor for travel booking. You definitely need the CSR if you get a portfolio of several Freedom or Unlimited CCs. I'd gladly pay the $68 you mentioned. I do not even think that figure is correct.