Who else has the Platinum, Gold, AND CSR?
Oct 20, 2018, 7:46 am
#1
Original Poster
Join Date: Mar 2013
Posts: 178
Who else has the Platinum, Gold, AND CSR?
How are you justifying the economics behind it? The Gold and CSR definitely cannibalize your point earning but holding all three still returns positive value in a year. Who else is doing this?
Oct 20, 2018, 2:47 pm
#4
Join Date: Oct 2016
Location: LIT
Programs: Blinged Out
Posts: 716
Same...
BPLAT - For my business ($5K+ charges net 1.5 MR points) - Those invoices add up MR points quickly- AF is tax-deductible as a bonus
Gold - Gas/Groceries/Dining out
CSR - All Travel-related expenses (works great internationally)
CapOne Venture - 2% back on everything else
Oct 20, 2018, 2:52 pm
#5
Join Date: Apr 2012
Location: SFO
Programs: AS MVP Gold 75K, UA Gold, Marriott LTT, Avis President's Club
Posts: 1,539
I have the AMEX Plat, AMEX Gold, AMEX Blue Business Plus, and the Chase CSR. I think having the gold card is definitely reducing my spend on Chase even more. However, the Chase Visa is better overseas and the bonus categories aren't tied to the US. Since I utilize transfer partners I can transfer to common partners and maximize my points.
Oct 20, 2018, 4:53 pm
#6
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,255
I don’t think it makes sense to keep the CSR anymore if you have the new Gold Card. You can use your Ink Preferred for 3x travel US and Int’l, and you can get the Uber Visa for 4% cashback and 0% FTF on international dining. If you assume 1 UR = $0.015 then the incremental annual fee from the Ink Preferred to the CSR is $68.50. ($450-$300+the $13.50 you no longer earn in rewards on that $300 in spend). To make up that $68.50 you’d need to spend $13,700 on international dining a year. Maybe some of you do I just don’t find that reasonable. The only other valuable benefit the CSR holds is the primary rental insurance and I really very rarely rent a domestic car for personal use.
Oct 20, 2018, 5:13 pm
#8
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
I don’t think it makes sense to keep the CSR anymore if you have the new Gold Card. You can use your Ink Preferred for 3x travel US and Int’l, and you can get the Uber Visa for 4% cashback and 0% FTF on international dining. If you assume 1 UR = $0.015 then the incremental annual fee from the Ink Preferred to the CSR is $68.50. ($450-$300+the $13.50 you no longer earn in rewards on that $300 in spend). To make up that $68.50 you’d need to spend $13,700 on international dining a year. Maybe some of you do I just don’t find that reasonable. The only other valuable benefit the CSR holds is the primary rental insurance and I really very rarely rent a domestic car for personal use.
Oct 20, 2018, 5:57 pm
#9
Join Date: Nov 2008
Location: ORD
Programs: AA PLT
Posts: 2,781
I have the Schwab Plat (reduced fee) for airfare+lounge access, Gold for food, BBP for everyday, CSR for travel, and the Prestige (reduced fee) for fourth nights at hotels. Once I figure out what to do with my pile of UR, I'll probably ditch the CSR given the improved Gold benefits -- only thing I'm missing out on is an expanded travel category, but Prestige still gives 3x. Funny how quickly I went from considering getting rid of the Gold this year to looking to ditch the CSR. I've had pretty good luck with retention offers from AMEX and Citi, so I've had most of these cards for years with minimal out-of-pocket.
Oct 20, 2018, 6:10 pm
#10
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,957
Prestige only covers airfare, lodging and agency transactions. Citi Premier has a broader travel category than Chase, or if you want to stay with Chase INK Preferred has the same travel category as Sapphire Reserve, at a lower cost.
Oct 20, 2018, 6:38 pm
#11
Join Date: Jun 2012
Posts: 3,381
The value of Chase CSR is far beyond what you just said. To pool all the Chase URs, you need either CSR or CSP. And CSR's 1.5x UR multiplier is the floor for travel booking. You definitely need the CSR if you get a portfolio of several Freedom or Unlimited CCs. I'd gladly pay the $68 you mentioned. I do not even think that figure is correct.
grocery category(4x) on gold is unique and game changer when you consider the effective AF ($30-$100+, depending how you discount the credits). other card would be EDP/BCP with a higher AF
travel/restaurant category is common to a lot of cards (uber, csr, gold, prestige/preferred etc), just need to pick and choose, and whether you want trip delay/cancellation protection
Last edited by paperwastage; Oct 20, 2018 at 6:52 pm
Oct 20, 2018, 6:49 pm
#12
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,193
The value of Chase CSR is far beyond what you just said. To pool all the Chase URs, you need either CSR or CSP. And CSR's 1.5x UR multiplier is the floor for travel booking. You definitely need the CSR if you get a portfolio of several Freedom or Unlimited CCs. I'd gladly pay the $68 you mentioned. I do not even think that figure is correct.
Oct 20, 2018, 7:51 pm
#13
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
I hear what you say. But I do not cut cards just because they are not the top earners.
CIP gives you 1.25x UR, not the CSR's 1.5X UR. They are not the same. For people having several UR cards, it makes difference.
CIP gives you 1.25x UR, not the CSR's 1.5X UR. They are not the same. For people having several UR cards, it makes difference.
Oct 20, 2018, 9:10 pm
#14
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,957
Oct 21, 2018, 7:05 am
#15
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Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412