Who else has the Platinum, Gold, AND CSR?

Reply

Old Oct 20, 18, 7:46 am
  #1  
Original Poster
 
Join Date: Mar 2013
Posts: 151
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?
WantsAmex is offline  
Reply With Quote
Old Oct 20, 18, 8:04 am
  #2  
 
Join Date: Jun 2005
Programs: Former UA 1K
Posts: 558
The CSR is very valuable overseas. The bonus categories actually work internationally.
D582 and OATS09 like this.
Explore SE Asia is offline  
Reply With Quote
Old Oct 20, 18, 8:53 am
  #3  
 
Join Date: May 2005
Location: Los Angeles
Posts: 311
I have all three and don’t even think twice about it.
linglingfool, Grapenut and RedSun like this.
Statman is offline  
Reply With Quote
Old Oct 20, 18, 2:47 pm
  #4  
 
Join Date: Oct 2016
Location: LIT
Programs: Blinged Out
Posts: 487
Originally Posted by Statman View Post
I have all three and donít even think twice about it.

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
SeaHawg is offline  
Reply With Quote
Old Oct 20, 18, 2:52 pm
  #5  
 
Join Date: Apr 2012
Location: SFO
Programs: UA PP, AS MVP Gold 75K, Marriott LTPP, Avis President's Club
Posts: 1,201
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.
JHake10 is offline  
Reply With Quote
Old Oct 20, 18, 4:53 pm
  #6  
 
Join Date: Mar 2013
Posts: 283
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.
jags86 is offline  
Reply With Quote
Old Oct 20, 18, 5:08 pm
  #7  
 
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 1,693
We keep 2 AmEx Plats, both personal and biz Gold, Chase CSR and 2 Chase Ritz Carlton. As long as the card turns in positive (or get paid), we'll keep them all.
RedSun is offline  
Reply With Quote
Old Oct 20, 18, 5:13 pm
  #8  
 
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 1,693
Originally Posted by jags86 View Post
I donít 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 Intíl, 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 youíd need to spend $13,700 on international dining a year. Maybe some of you do I just donít 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.
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.
RedSun is offline  
Reply With Quote
Old Oct 20, 18, 5:57 pm
  #9  
 
Join Date: Nov 2008
Location: ORD
Programs: AA PLT
Posts: 2,520
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.
linglingfool is online now  
Reply With Quote
Old Oct 20, 18, 6:10 pm
  #10  
mia
FlyerTalk Evangelist, Moderator: American Express, Citi, Diners Club, Signatures
 
Join Date: Jun 2003
Location: Miami & London
Programs: AA & Marriott Perpetual Platinum; HH Gold
Posts: 36,926
Originally Posted by linglingfool View Post
.... missing out on is an expanded travel category, but Prestige still gives 3x. .....
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.
mia is online now  
Reply With Quote
Old Oct 20, 18, 6:38 pm
  #11  
 
Join Date: Jun 2012
Posts: 1,153
Originally Posted by RedSun View Post
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.
ink preferred works as a replacement to CSR (unless you eat in overseas restaurants a lot), if you have another card for PP

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
Diplomatico likes this.

Last edited by paperwastage; Oct 20, 18 at 6:52 pm
paperwastage is offline  
Reply With Quote
Old Oct 20, 18, 6:49 pm
  #12  
 
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Gold, Marriott PP, UA Silver, Mobile Passport Unobtanium
Posts: 4,684
Originally Posted by RedSun View Post
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.
You can do the same with the CIP.
Diplomatico is offline  
Reply With Quote
Old Oct 20, 18, 7:51 pm
  #13  
 
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 1,693
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.
RedSun is offline  
Reply With Quote
Old Oct 20, 18, 9:10 pm
  #14  
mia
FlyerTalk Evangelist, Moderator: American Express, Citi, Diners Club, Signatures
 
Join Date: Jun 2003
Location: Miami & London
Programs: AA & Marriott Perpetual Platinum; HH Gold
Posts: 36,926
Originally Posted by RedSun View Post
....1.25x UR, not the CSR's 1.5X UR. They are not the same. For people having several UR cards, it makes difference.
Only if you redeem by Pay with Points. If you redeem by transferring to airline or hotel partners there is no difference.
Diplomatico likes this.
mia is online now  
Reply With Quote
Old Oct 21, 18, 7:05 am
  #15  
 
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 1,693
Originally Posted by mia View Post
Only if you redeem by Pay with Points. If you redeem by transferring to airline or hotel partners there is no difference.
Option always has value. I wouldnít say the cards with 1.25x and 1.5x are the same.
RedSun is offline  
Reply With Quote

Thread Tools
Search this Thread