CSP - should I close it?
 

Signed up 2 yrs ago and got the bonus.
I spent all the UR too - I do not know the reason to keep the card and spend AF.
I am unsure the benefit of keeping the card?

Impossible to answer as we don't really know what you could use the card for (spend pattern, insurance needs) or what alternative cards you have or could get.

I have other cards giving me:
5% for Groc - Citi Thank you
3% on all other - Cash back
4% on gas - Citi Costco
So CSPs 10% bonus is good if I only use CSP for all purchases.
Do not have any UR to transfer.

I do not travel for work.
I recently went to Asia and came back - bought the least ins with Allianz. It did not cover Qatar interruptions.
The fares were expensive on Chase Travel compared to Goog Flights .... I ended up in booking direct on Cathay.

I have AAdvantage card (prevent points from expiring) and United card.

Were you referring to Travel Ins? Have Chase Freedom card that I use for electronic purchases.
Does this help?

The CSP provides DoorDash "DashPass" membership and a monthly $10 credit towards non-restaurant DoorDash deliveries; an annual $50 credit towards a hotel night booked through the Chase Travel Portal. In addition, non-New-York residents get primary auto-rental loss/damage insurance.

The Chase Freedom cards and the CSP all provide trip cancellation/interruption coverage, but the CSP also provides trip delay coverage.

Only you can decide whether these benefits make paying the CSP 's annual fee worthwhile.

I decided CSP was worth it for me just because of the 2x on travel and travel insurance. There are no other useful benefits for me, but everyone needs to decide for themselves.

I would vote for closing the CSP.

In your case, the SUB was the biggest benefit. And that's way behind you now.

The $50 hotel credit plus the primary auto insurance outside NY are two major reasons to me. That equates to $45 a year for primary auto insurance if you don't mind one night a year in a third-party hotel booking. That's if you use no other benefits at all. The CSP is generally considered one of the better cards out there and better all-around values. I would hesitate canceling this one over most others, but without the UR points, it does lose some allure, I admit. I have all-but-replaced my United and Hyatt cards with it because of the UR transfer to WOH and and the devaluation of UA in general. I kept my WOH card since it comes with a free night each year, paying for itself. But I downgraded the UA card to the no AF card once it went up to $150. Rumors are abounding the CSP is going that route too, but I think rhat's one I will keep even at $150.

Auto ins on rental cars right?
Geico also provides on rental cars - in addition Citi Costco was primary in Canada when I was involved in an accident, from memory.

The $50 hotel booking credit is a no-brainer. If you happen to cancel the rez they won't suck back the $50.

I concur. The mental gymnastics of trying maximize credit card points isn't worth it for me any more. It seems like they're already juggling a lot of cards.

Most U.S. credit cards which offer secondary rental-car insurance say that their coverage is primary outside the U.S. But for non-New-York residents, the CSP coverage is primary even on rentals inside the U.S. Your personal auto insurance -- whether it's with GEICO or another carrier -- may very well cover you for rental-car loss/damage. But if you have primary coverage through a credit card, you would not have to file a claim under your personal auto insurance, thereby avoiding a possible rate increase.

If you have good use for your AAdvantage card, that's one thing. But you don't need an AAdvantage credit card to prevent your miles from expiring: If you redeem miles for a flight award (some can run as low as 5,000 miles) that redemption will extend your mileage-expiration date. And if you were to subsequently cancel that award before the departure date, your miles and cash paid would be refunded at no charge, which would further extend the mileage-expiration date. :idea:

If they don't claw it back, then it's worth it. Otherwise, it isn't because of the jacked-up rates and loss of elite benefits.

It appears that at least some IHG properties booked through the Chase travel portal will honor IHG elite status.

I have found that the hotel rates for some stays booked through the Chase travel portal are jacked up, while some others are not. YMMV. But I do believe that Chase does not claw back the $50 credit on a cancelled reservation.

are you sure this is still the case?

asking because yes, at one point, Chase was not clawing back credits, offers etc. via reports on here and from returning stuff that I didn’t intend to but didn’t work out - I’ve never done it to claim something I wouldn’t get otherwise. However, at least in CSR-land, they are definitely clawing back edit and 2026 hotel credit if you cancel those reservations now. Presumably, they would also do that for this too, but have no first hand experience - including recently, so I really can’t say either way.