Originally Posted by
GundamWing01
i could write a book on ur inquiry. but since u dont play the game its difficult to deep dive.
if you really don't want CSR, just PC. maybe freedom flex. its dining this Qtr. 5x (1+4). but base dining is already at 3x (1+2). so now its 7x total since base 1x included for both multipliers.
then apply for CSP for SUB. sounds like ur 0/24? then i prob dont need to ask about ur stats. prob instant approval.
go read this:
http://www.doctorofcredit.com/memo-c...hire-preferred
Originally Posted by
philemer
This. It is possible to get the SUB but only way to tell is to apply. You'll get a pop up warning if you don't qualify for the bonus. Drop the CSR and go for it.
Thanks everyone, for taking the time to help a Credit Card novice! Glad to know I would get warned about the SUB. If I don't get it, seems the CSP would not be worth it to me, based on
Rare 's comments below.
Seems like I should PC to the Freedom Flex, then try to apply for CSP and see if I can get the bonus.
Is there a certain length of time I should wait after PC out of the CSR to apply for the CSP?
Originally Posted by
Rare
If your typical use of UR points is transferring to United, note that your Quest card already gives you 2X on all travel and 2X on dining. It also has primary rental car insurance, like the CSP. So unless you dine out a ton (like $10,000/year or more), it seems the only advantage to getting the CSP is if you can get the signup bonus. You can get 3X on dining with a free card like the Freedom Unlimited or Freedom Flex, but wouldn’t be able to transfer to points to United without a CSP or CSR (or one of the business cards that can transfer UR points).
That is a great point. I don't dine out THAT much, so the CSP would be for the SUB, then evaluate if I should keep.
I took a quick look at the Freedom Flex and it seems to be a cash-back card, not a card that accrues UR points. Am I missing something?
So if I don't get the SUB, and thus don't have either CSP or CSR, then I don't think I need to worry about transferring, right? I would be totally out of the UR ecosystem.