They are upping the authorized user fee to $195, too, so I'll drop off of my husband's CSR and keep my CSP for $95. Looks like we'll be forking out $600 in annual fees after the $300 travel credit.

Chase still works for us because we're traveling to Europe a lot, and CSR's included Trip Interruption/Cancellation, Baggage Loss, Emergency Vac and Medical benefits are very similar to what Viking/Trafalgar offer for a very hefty price. (Viking wanted $1100pp for our upcoming 14 day Mediterranean cruise).

Disclaimer: 2 things that Viking offered that were superior to CSR are: Cancel for Any Reason, and an upgraded medical policy (Chase only covers $2500). But medical only policies can be bought a la carte for a reasonable cost. We pay $60-$120pp, depending on the destination. And, frankly, Cancel for Any Reason benefit sounds great until you realize that if you rebook, you have to dole out another $2200 for insurance

Since CSR's trip coverage maxes out at $10,000pp/20,000 per trip, we book the cruise on CSR and flights on CSP. (I don't like the tour company booking our flights because I like to pick the itinerary that works best for me, though we always opt to arrive a few days early so we don't miss our cruise.

Other perks that make me want to keep CSR: Chase's policy is automatically in effect for all your travel, no sign up required. CSR acts as primary for car rentals, and has no foreign exchange fees.

Admittedly, 3x non-Chase travel spend loss is big for me because we book cruises and prefer to stay in private rentals v hotels. I have no desire to pay $500+/night for a swanky hotel, so Edit means nothing to me.

I don't even really value lounge access because we book biz class for longer flights, and lounge access comes included. Honestly, I book the flight that has the shortest legal layover, even if it means running to my gate, because I'd rather get to my destination quicker than sit in a lounge.