Originally Posted by
Rare
And in May-June 2020, when almost no one was traveling, they gave 5x on groceries. Between those bonuses, and the 1.5x Pay Yourself Back, it was a fantastic deal. Much of our food was free for that year!
now that you mention it… yes, I recall.
It sounds like you've done the math and come to that conclusion. I won't try to change your mind, but I will say that for me the CSR (paired with the CF and CFU) still seems to be the best card.
When it first came out, I based my calculation on the $55 net additional annual fee. I could more than make up for that with the extra point for travel expenses. But when the net fee increased to $155, I started looking for alternatives.
However, some of the extra perks bring that down a bit.
…
I'm curious, why? I had both for a short time; I had a CSP before the CSR existed. After getting the CSR, I PC'd the CSP to a CFU because I couldn't think of a reason to have both. What advantages do you see?
I started out with the CSP, too, and after I got the CSR, I, too, downgraded the CSP to a CFU.
Many people seem to find that the CSP is the better choice for them. I easily recoup the difference in effective annual fee with the priority dining credits. This year alone I have received $380 worth of dining credits for myself and my wife. I could discount that somewhat to account for alternative dining choices I might have made without the credit, but I am pretty sure it still makes up for the difference in AF. And then there are obviously other advantages that lead me to keep the CSR. My wife has the CSP, but we put most of our travel spend on my cards.