The card was never meant for someone who doesn't dine/travel. The PYB with the dining and grocery stores at 1.5% has been unreal for those with large stacks of UR just sitting during the past 15 months, sure I'd like to get 2-2.5x redemptions, but no traveling makes that difficult. Besides that, even at $190 AF ($550-$300-$60) vs the CSP at $95 which gets ? I make up for the $95 with the extra UR on dining purchases on the CSR over 12 months, before even considering the 1.5% vs 1.25% PYB. It's fine to not get any use out of it, but given the type of card it's marketed toward, it's a 10 bagger at least vs the $190 AF, which is still $90 until next year I believe. And if you have multiple UR cards with chase, it can be an "infinite" bagger. I don't even know what the CSP offers better than the CSR for perpetual use (i.e. excluding a 12 month SUB and cancel).