Originally Posted by
brclark82
I knew that Biz accounts didn't count towards 5/24 but I thought Chase Biz accounts did for some reason, I appreciate the clarification.
Good to know about the upgrading and downgrading within 12 month thing, probably just app for the CSR since I will be planning on actually keeping the card long term.
It depends. During the card's first year, do you plan to spend a lot on dining/travel that warrants the extra 1x above the CSP? As you noted, CSP has a higher signup bonus of 10K to that of CSR; that is $10K on dining/travel on CSR to match what you would have gotten from CSP.
The difference in annual fee is $55 (CSR effective AF $450-300 is $150 subtract CSP $95). Would you be making up that difference in CSR's benefits/earning?
Do the math and see what make sense for the first year. You can always product change to CSR after the first year (and keep it long term)