Originally Posted by darthbimmer

The downside of the Chase United Explorer card is that it only pays 2x on UA tix. I sock-drawered my Explorer card then canceled it as I charged all my UA purchases to the CSR. CSR pays 3x on all airlines (plus other categories), and that 3x can be transferred to selected airline/hotel programs or redeemed at 1.5cpp (total 4.5%) in the Chase travel portal.

Yes, CSR has a big fee, but the various credits can knock it down significantly. You'll have to decide how valuable those are to you and if the card's other benefits are worth the remaining cost. There's an extensive discussion over in the Chase forum about this.