DEBATE: Which card is best? CSR vs Amex Plat vs other premium cards
#46
FlyerTalk Evangelist




Join Date: Nov 2013
Location: Los Angeles
Posts: 15,324
Interesting.
We stayed at resorts often. The good hotel lounges offer two meals a day and they offer varieties of food. In most of the Caribbean countries, guests are not advised to go out to get food. Some offer food plan that can cost like $180 per person per day. Go to take a look at Bahamas Paradise Island.....
We stayed at resorts often. The good hotel lounges offer two meals a day and they offer varieties of food. In most of the Caribbean countries, guests are not advised to go out to get food. Some offer food plan that can cost like $180 per person per day. Go to take a look at Bahamas Paradise Island.....
#47
FlyerTalk Evangelist
Join Date: Oct 2014
Posts: 10,906
No matter what you say how little value the AmEx Centurion lounges offer, I thoroughly enjoy my experience there. And all my family members do. There is even a nice shower there. It is much much better than a PP restaurant that I can only get a salad or hamburger without any alcohol drink. It is even better than most of the airline lounges we've been to.
In PDX I can go for a whiskey tasting, and then go to a restaurant and have a full meal, with enough left over to get some carrot cake and banana bread to go (it's always nice to have some snacks in the hotel room). Amex gets nothing at all in that airport unless you happen to be flying DL. I was there twice last year, and also transited through it once (all on AS). I sure am glad that the CSR takes care of me even if I'm not flying one of their partners! The layover was short too, very early in the morning. It sure was nice to pick up a hot restaurant breakfast to go for the plane. The meat lovers omelette with a side of bacon sure beats the snack they gave me in E+ (or anything for sale on the plane). Good luck getting a meal to go from a lounge.
#48
Original Poster



Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,620

Why can't you get a drink? I always do... Even in SFO, which is probably the most overpriced airport in the country, I can get a burger and a beer and be under the limit. If I want more drinks I can always go to the other PP restaurant in the a same terminal.
In PDX I can go to a whiskey tasting, and then go to a restaurant and have a full meal, with enough left over to get some carrot cake and banana bread to go (it's always nice to have some snacks in the hotel room). Amex gets nothing at all in that airport unless you happen to be flying DL. I was there twice last year, and also transited through it once (all on AS). I sure am glad that the CSR takes care of me even if I'm not flying one of their partners! The layover was short too, very early in the morning. It sure was nice to pick up a hot restaurant breakfast to go for the plane. The meat lovers omelette with a side of bacon sure beats the snack they gave me in E+ (or anything for sale on the plane). Good luck getting a meal to go from a lounge.
In PDX I can go to a whiskey tasting, and then go to a restaurant and have a full meal, with enough left over to get some carrot cake and banana bread to go (it's always nice to have some snacks in the hotel room). Amex gets nothing at all in that airport unless you happen to be flying DL. I was there twice last year, and also transited through it once (all on AS). I sure am glad that the CSR takes care of me even if I'm not flying one of their partners! The layover was short too, very early in the morning. It sure was nice to pick up a hot restaurant breakfast to go for the plane. The meat lovers omelette with a side of bacon sure beats the snack they gave me in E+ (or anything for sale on the plane). Good luck getting a meal to go from a lounge.
I can get what many drinks if I like. No tax and tip is optional, but advised. Just no comparison.
This does not mean the hotel lounges are not worth anything. Worth a lot to most of the guests. Take a look at Grand Hyatt Kauai. The Grand Club is just wonderful. It is one of the best.
Last edited by mia; Feb 1, 2020 at 1:20 pm Reason: Consolidate consecutive replies.
#49
FlyerTalk Evangelist
Join Date: Oct 2014
Posts: 10,906
I leave $5 per person when I use PP and I'm under the limit. That's the same as I'd normally tip on a full service meal of that price.
People tip in the Centurion lounge too, at least in SFO. What's your point here? Tipping is expected and (hopefully) appreciated pretty much everywhere in the US.
#50
Original Poster



Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,620
There is no point keep arguing the PP and PP restaurants. They are not even available at most of the major airports. With my Ritz card, I have the same access as you do. So the CSR does not anything more with PP access. As I said, all the benefits from CSR are expendable and replaceable. The $100 AF increase is a bad move on Chase's part to most of the people.
A lot of people have the Ink Preferred. It handsomely replaced CSR a long time ago.
A lot of people have the Ink Preferred. It handsomely replaced CSR a long time ago.
#53
Join Date: Sep 2006
Location: Toledo, OH
Programs: Delta DM/2MM, Hilton, Wyndham and IHG DM, Marriott gold, Hyatt Globalist, Southwest A List
Posts: 15,559
The Ritz card is closed to new apps. In my case the annual fee wouldn't be justified at all since I rarely use marriotts. It's like the DL Reserve am ex, I think it's a great card for me but for someone that never flies Delta it would be a wasted $550.
#54

Join Date: Mar 2002
Location: London, Vancouver, Tokyo, San Francisco, NYC
Posts: 269
Which cards offer the same as CSR? My interests are,- Priority Pass with Restaurant
- Primary CDW rent-a-car coverage
- Good point earning rate especially towards to Hyatt (or cash back)
- Good Travel and purchase insurance
- No forex fee
Other benefits like rideshare discount, food delivery discount, TSA global entry etc are not necessary for me -- they are replaceable.
I'm interested in Chase Freedom, Amex (Bonvoy cancelled) , Discover etc but could not find best matching the criteria above...

I switched from Amex SPG + Diners to CSR & Chase WOH a couple of years ago...
#55
Original Poster



Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,620
Get AmEx Plat for all the travel perks.
Ritz Carlton pays itself. Gives you full PP pass as good as CSR and all the travel benefits CSR offers. A lot more benefits if people stay at Marriott/RC properties. You do not need to work anything to break-even. No Lyft & Doordash craps.
Chase CIP. Almost the same as CSR. But with much cheaper AF and easier to mange.
Citi DC with 2 TY points. Handsomely beats out FU.
If you want cash, BofA Cash Rewards and BofA biz cash rewards give you 3% x 1.75 (if top tiers) 5.25% on some broad category spending. The new Biz Choice Cash card offers that for up to $50,000 travel expenses. 5.25% cold cash on travel or the broad category you so choose.
There are lot more. Go figure.
CSR? Sure you can just carry one card and enjoy whatever you do. But please do not say CSR is the greatest CC. It is not. It is so outdated now.
Ritz Carlton pays itself. Gives you full PP pass as good as CSR and all the travel benefits CSR offers. A lot more benefits if people stay at Marriott/RC properties. You do not need to work anything to break-even. No Lyft & Doordash craps.
Chase CIP. Almost the same as CSR. But with much cheaper AF and easier to mange.
Citi DC with 2 TY points. Handsomely beats out FU.
If you want cash, BofA Cash Rewards and BofA biz cash rewards give you 3% x 1.75 (if top tiers) 5.25% on some broad category spending. The new Biz Choice Cash card offers that for up to $50,000 travel expenses. 5.25% cold cash on travel or the broad category you so choose.
There are lot more. Go figure.
CSR? Sure you can just carry one card and enjoy whatever you do. But please do not say CSR is the greatest CC. It is not. It is so outdated now.
#56
Join Date: Jul 2019
Location: Los Angeles, CA
Programs: American Express Platinum, Chase Sapphire Reserve
Posts: 625
Why not both? First, AmEx Plat already offers Uber and its Gold offers GrubHub/Seamless. Now you want to bring in Lyft and DoorDash? It gets really confusing and hard to manage.
Those ride-share and food delivery are mostly only suitable in urban or metro areas. In suburb area, people like to eat either at home or eat out at actual restaurants. The life style is more healthy since it offers the family opportunity to interact with each other. Food delivery does not offer the food quality and the life style. In suburb area, people normally drive and they do not need ride share.
Those ride-share and food delivery are mostly only suitable in urban or metro areas. In suburb area, people like to eat either at home or eat out at actual restaurants. The life style is more healthy since it offers the family opportunity to interact with each other. Food delivery does not offer the food quality and the life style. In suburb area, people normally drive and they do not need ride share.
As for the $200 credit there are still workarounds. Its a bit of a pain but not too difficult to use really.
The two cards are for me complementary. But if CSR doesnt renew some of the Lyft and DoorDash perks Ill have to reevaluate whether its worth the $250. At $50 the Plat is a no brainer for me but I might switch to WOH if the CSR loses a lot of these in future years since I can grab status with it.
#57




Join Date: Aug 2005
Posts: 66
Interesting
Which cards offer the same as CSR? My interests are,
- Priority Pass with Restaurant
- Primary CDW rent-a-car coverage
- Good point earning rate especially towards to Hyatt (or cash back)
- Good Travel and purchase insurance
- No forex fee
Other benefits like rideshare discount, food delivery discount, TSA global entry etc are not necessary for me -- they are replaceable.
I'm interested in Chase Freedom, Amex (Bonvoy cancelled) , Discover etc but could not find best matching the criteria above...
I switched from Amex SPG + Diners to CSR & Chase WOH a couple of years ago...
Which cards offer the same as CSR? My interests are,- Priority Pass with Restaurant
- Primary CDW rent-a-car coverage
- Good point earning rate especially towards to Hyatt (or cash back)
- Good Travel and purchase insurance
- No forex fee
Other benefits like rideshare discount, food delivery discount, TSA global entry etc are not necessary for me -- they are replaceable.
I'm interested in Chase Freedom, Amex (Bonvoy cancelled) , Discover etc but could not find best matching the criteria above...

I switched from Amex SPG + Diners to CSR & Chase WOH a couple of years ago...
You need to do more homework. Given the other cards you have, what incremental value CSR brings? Dollarize the incremental value of the benefit by what you are willing to pay, eg, $10 for food at the selected PP restaurants.
In my case, I plan to hold ink preferred, amex platinum, and altitude reserve so CSR offers little value on top of them.
#58

Join Date: Mar 2002
Location: London, Vancouver, Tokyo, San Francisco, NYC
Posts: 269
Cards offer the same as CSR?
I never say CSR is the greatest CC but rather I think becoming less meaningful after AF increment.
Thought on other cards suggested ;
Amex Plat --- Their car rental CDW coverage is secondary.
JP Morgan Ritz Carlton --- Looks good for the criteria but not sure using 300 USD travel credit. No Bonvoy points nor elite status necessary for me as lifetime PLT with bunch of Bonvoy points--- overall more expensive than CSR.
Chase CIP -- No lounge access
Citi DC -- 3% foreign transaction, No Car insurance, No lounge
BofA Cash Rewards --I have travel rewards but no lounge, no car insurance
US Bank Altitude Reserve -- Interesting 400 USD card
Not sure if PP includes restaurant and not sure car insurance is the primary or secondary but 12 months Gogo wifi is attractive with 325 USD statement credits... May worth try once my 1-year Gogo wifi subscription expires.
Regardless of AF increase (with meaningless change of benefits), I may be better to keep CSR anyway.
Thanks.

- Priority Pass with Restaurant. --- Priority Pass + Centurion Lounge benefit could be fine
- Primary CDW rent-a-car coverage
- Good point earning rate especially towards to Hyatt (or cash back) --- Difficult to assess
- Good Travel and purchase insurance. --- Difficult to assess
- No forex fee
- Primary CDW rent-a-car coverage
- Good point earning rate especially towards to Hyatt (or cash back) --- Difficult to assess
- Good Travel and purchase insurance. --- Difficult to assess
- No forex fee
Amex Plat --- Their car rental CDW coverage is secondary.
JP Morgan Ritz Carlton --- Looks good for the criteria but not sure using 300 USD travel credit. No Bonvoy points nor elite status necessary for me as lifetime PLT with bunch of Bonvoy points--- overall more expensive than CSR.
Chase CIP -- No lounge access
Citi DC -- 3% foreign transaction, No Car insurance, No lounge
BofA Cash Rewards --I have travel rewards but no lounge, no car insurance
US Bank Altitude Reserve -- Interesting 400 USD card
Not sure if PP includes restaurant and not sure car insurance is the primary or secondary but 12 months Gogo wifi is attractive with 325 USD statement credits... May worth try once my 1-year Gogo wifi subscription expires.Regardless of AF increase (with meaningless change of benefits), I may be better to keep CSR anyway.
Thanks.
#60
Join Date: Nov 2013
Posts: 191
Get AmEx Plat for all the travel perks.
Ritz Carlton pays itself. Gives you full PP pass as good as CSR and all the travel benefits CSR offers. A lot more benefits if people stay at Marriott/RC properties. You do not need to work anything to break-even. No Lyft & Doordash craps.
Chase CIP. Almost the same as CSR. But with much cheaper AF and easier to mange.
Citi DC with 2 TY points. Handsomely beats out FU.
If you want cash, BofA Cash Rewards and BofA biz cash rewards give you 3% x 1.75 (if top tiers) 5.25% on some broad category spending. The new Biz Choice Cash card offers that for up to $50,000 travel expenses. 5.25% cold cash on travel or the broad category you so choose.
There are lot more. Go figure.
CSR? Sure you can just carry one card and enjoy whatever you do. But please do not say CSR is the greatest CC. It is not. It is so outdated now.
Ritz Carlton pays itself. Gives you full PP pass as good as CSR and all the travel benefits CSR offers. A lot more benefits if people stay at Marriott/RC properties. You do not need to work anything to break-even. No Lyft & Doordash craps.
Chase CIP. Almost the same as CSR. But with much cheaper AF and easier to mange.
Citi DC with 2 TY points. Handsomely beats out FU.
If you want cash, BofA Cash Rewards and BofA biz cash rewards give you 3% x 1.75 (if top tiers) 5.25% on some broad category spending. The new Biz Choice Cash card offers that for up to $50,000 travel expenses. 5.25% cold cash on travel or the broad category you so choose.
There are lot more. Go figure.
CSR? Sure you can just carry one card and enjoy whatever you do. But please do not say CSR is the greatest CC. It is not. It is so outdated now.
There is no point keep arguing the PP and PP restaurants. They are not even available at most of the major airports. With my Ritz card, I have the same access as you do. So the CSR does not anything more with PP access. As I said, all the benefits from CSR are expendable and replaceable. The $100 AF increase is a bad move on Chase's part to most of the people.
A lot of people have the Ink Preferred. It handsomely replaced CSR a long time ago.
A lot of people have the Ink Preferred. It handsomely replaced CSR a long time ago.
PP restaurants are actually useful. PP domestic lounges are worthless I rather hang at the gate. Only worth the time overseas.
Last edited by mia; Feb 1, 2020 at 1:19 pm Reason: Consolidate consecutive replies.


