My husband has CSR. So far we like it. We travel frequently and really like Hyatt. Really like the ability to transfer UR points to Hyatt. Like Priority Pass; use it about 12/year. Mainly at the restaurants. 80% of our spend are travel and restaurants which gets 3 points per dollar. Each UR is worth 1.65 cent and much higher value as Hyatt points. I estimate our return is 4 to 7% depending on how we spend our points.

recently, I got the Capital One Venture X. Used it to pay for a hotel. Got my one time hotel rebate. Used it to buy a RT on United through Capital One Travel. Got my $300. A couple of weeks later, Capital One rebated $21 because the price for the fights dropped. I was reluctant to book air tickets with a OTA because the hassle involved when changes or IRROP happen. Because of family situation, I had to change the return. To my surprise, I was able to change a RT to an open jaw on United.com and pay the fare difference. I am extremely happy with Capital One Travel/UA combo.