Funny, I've had the CSP for a while and have been debating about whether to upgrade. The way I look at it, when you add the $95 annual fee I'm already paying for the CSP to the $300 travel credit I would obtain with the CSR, the price difference gets narrowed down to $155. So the question becomes whether the other CSR 'upgraded' benefits (increased earnings, portal redemptions, lounges etc.) are worth $155 to me, both on their face and in view of other cards I have in my wallet. So far the balance has not tipped for me but it might in the future as my travel patterns change.