Originally Posted by
paperwastage
In that case, why do you even have the reserve then? It will be a net +$200 fee now, do the benefits cover it (door dash/priority pass, earn enough points every year to make the 50% bonus worth it
(I still put my flights on a card with trip delay.... Don't like buying flights via travel agencies and prefer the trip delay protection)
I spend about $20,000 on travel a year. $15,000 is work, $5,000 personal. The work I put on the Freedom Unlimited referenced earlier because I don't need the travel insurance. Personal, yes, I love the CSR protections. So that $15,000 in travel would be worth $450 on Freedom Unlimited alone (3 points per dollar spent) but because I transfer them to CSR they are worth $625, so the $200 is covered right there. I also put about $3,600 on my Ink card for 5% back on internet/phone which would be $180 but is $270 with CSR. So that knocks $90 off the $200 itself. So I had been figuring that the Priority Pass is wroth $110 on it's own to me, and the travel insurance $110 is a small price to pay for that for a whole year. But, overall the CSR pays for itself in the 50% bump on points I earn.
Before BOA TR at 2.625% I used to put generic spend on FU at 1.5 with the 50% kicker to 2.25%, but the BOA family just can't be beat if you can get Preferred Rewards.
And to the other question someone asked, yes, my Amex BOA card is going to a Customized Cash Rewards, not Unlimited Cash Rewards. I do hope to product change my TR to an Unlimited Cash Rewards.