Originally Posted by
blueman2
Assuming you use PYB to monetize your points, then travel spend on CSR = 4.5% back, and CSP = 2.5% back, so CSR gives you extra 2%. If you spend $7,500 in a year on travel, CSR would net you an extra $150. With the $300 annual travel credit, that brings CSR net annual fee cost down to $100. So at > $7,500 annual travel spend, you are better off witih CSR than CSP. And you get the other CSR benefits like PP Club access, etc.
This is correct. Another way i look at it is that if you use UR points exclusively/ vast majority on their portal you need to use 62,000 points that way a year to break even
The math
550-300 ( credit ) -95 = $155 ( I personally put 0 value on the $50 hotel credit bc I rarely if ever book hotels through third party booking systems )
$155/ .0025 ( the difference in what the points are worth through chases portal between the CSR and CSP) =62000 points