Originally Posted by friedablass

That's precisely what I was referring to as well and my point still stands with regard to the amount needed to spend on 3x travel on a CIP to justify the $95 AF. It doesn't need to be $5k, it can be quite a bit less.



I currently have both CSR and CIP. I'm not holding the CSR for the lounge access - for me the $300 travel credit plus the boosted value of 1.5 cpp justified the AF until now. With the 1.5 cpp value going away in 2+ years time (for me) plus the increase to $795, I do need to take a hard look at the coupon clipping I can do to continue to justify holding that card.

I use the CIP for 3x on advertising and for 3x "other travel" for our business which is actually a bulk of the expenses we have in that category anyway (airport parking and tolls). The only "other travel" expense I see that I put on the Reserve for 3x points because they were personal expenses are Rail tickets when vacationing overseas so I may just move this to the CIP - the whole reason I go on vacation anyway is because I need one from my business . It's a nominal amount in the bigger scheme of things so I can just leave it be on a CIU too if I want to keep those Rail charges on a personal card.