I held the CSR & Citi Prestige simultaneously for a while. I dropped the Prestige after an appalling (to me, at least) customer service failure by Citi, but when I had the both of them, I got pretty good value out of them. I got a boatload of TYP from the 5X dining on the Premier, and I also got a fair amount of points from the CSR's 3X travel. I've also made full use of the travel credit every year since I've had the card. After dropping the Prestige, my only premium card is the CSR, but I'd consider adding another one if I thought I could get enough points/value out of it. It all depends on how much you value the points and benefits over the cost of the annual fees.