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Old 07-17-2017, 11:49 AM   #21
NFRs2000nyc
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Interesting, I will do more research into the CSR card.....is there an annual fee?
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Old 07-17-2017, 12:10 PM   #22
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Interesting, I will do more research into the CSR card.....is there an annual fee?
Yes. CSR is $450/yr but includes the $300 travel credit so it's basically $150/yr. Their definition of "travel" is very loose though so everything from hotels, to rental cars, to even parking charges are reimbursable. The credit is valid for any vendor globally. Also includes lounge access (no Centurion lounge, that's the one advantage of Amex) and a bunch of other things. Points are 3x on travel and dining and worth 1.5 cents/pt in redemption for cash. You can also transfer points to other vendors just like Amex can.

https://www.chase.com/card-benefits/...reserve/travel

CSP (Sapphire preferred) has similar benefits but doesn't have lounge access and has a lower point earning capacity (2x on dining/travel and 1.25 cents/pt redemption). It's also only $99 annual fee.

The biggest upside to Chase is that you can stack their cards for point earning and then transfer to the CSR for redemption. For example, Freedom and Freedom Unlimited are $0 annual fee but Freedom Unlimited earns 1.5pts/$1 on everything and Freedom earns 5pts/$1 on rotating categories per quarter. So basically I use the CSR for dining/travel unless the Freedom has that as the bonus of the quarter and Freedom Unlimited for everything else. I then transfer all the points to my CSR account (can also transfer between family members too) for the 1.5 cent/pt bonus (the other two are 1 cent/pt).

Edit to add: The points are also a lot more valuable in general, and easier to get. At this point I have ~350k pts earned through spending and sign up bonuses. We plan on going to Iceland next year and not paying much of anything for the experience.

Last edited by SamDoe1; 07-17-2017 at 12:12 PM.
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Old 07-17-2017, 05:21 PM   #23
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What about the new metal Citibank card - 75,000 pt bonus for sign up, $450/yr fee - how does it stack up against the competish?
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Old 07-17-2017, 07:45 PM   #24
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What about the new metal Citibank card - 75,000 pt bonus for sign up, $450/yr fee - how does it stack up against the competish?
IMO, it's not as good as CSR or the amex plat. The biggest benefit of the Citi Prestige is the 4th free hotel night for each stay. That can be worth hundreds if you do multiple 4 day stays per year so if that's your jam, it's definitely worth having and will easily pay for the annual fee quickly.

In terms of other benefits, I'd stick with the other two.

FWIW, the metal card isn't really a benefit. I'm not dropping $450 a year for a metal card.

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Old 07-18-2017, 06:41 AM   #25
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If one doesn't use Uber that much, those credits aren't really worth it right? Also, the $300 credit you can use anywhere basically lowers the price tag to a $150 annual fee which is perfectly acceptable for what you get out of the program.
so why did you say your peasant chase card does EVERYTHING that amex platinum does plus much more. clearly you have no idea what you are talking about and should reconsider your life at this point. oh and what about all the benefits that the chase card offers that people don't use , so those benefits aren't really worth it right?
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Old 07-18-2017, 10:59 AM   #26
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so why did you say your peasant chase card does EVERYTHING that amex platinum does plus much more. clearly you have no idea what you are talking about and should reconsider your life at this point. oh and what about all the benefits that the chase card offers that people don't use , so those benefits aren't really worth it right?


Amex Platinum = $550/yr-$200 airline-$200 uber=$150
You still have to pay for car rental insurance and luggage insurance

Chase Reserve = $450/yr-$300 anything credit = $150
You get car rental insurance and everything else free. Also, the $300 can be used on anything and not the ONE airline you designate and the Ubers you may or may not use.

The only peasant is the one that stupidly pays more for the same (or not as good) thing.
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Old 07-18-2017, 11:01 AM   #27
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I still maintain that collecting an insurance policy you paid for rather than one that's "included" is going to be a very different experience but that's educated speculation.
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Old 07-18-2017, 11:42 AM   #28
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Amex Platinum = $550/yr-$200 airline-$200 uber=$150
You still have to pay for car rental insurance and luggage insurance

Chase Reserve = $450/yr-$300 anything credit = $150
You get car rental insurance and everything else free. Also, the $300 can be used on anything and not the ONE airline you designate and the Ubers you may or may not use.

The only peasant is the one that stupidly pays more for the same (or not as good) thing.
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Old 07-18-2017, 11:42 AM   #29
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I signed up for the CSR when they had the $1,000 bonus and it's legit as Sam says. 3% cashback on dining + travel which you can then redeem at a 50% bonus if you book travel through Chase is a win. I piggy back it with the Freedom Unlimited with 1.5% CB on everything then transfer the points to the Reserve at the end of the cycle.
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Old 07-18-2017, 01:09 PM   #30
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I signed up for the CSR when they had the $1,000 bonus and it's legit as Sam says. 3% cashback on dining + travel which you can then redeem at a 50% bonus if you book travel through Chase is a win. I piggy back it with the Freedom Unlimited with 1.5% CB on everything then transfer the points to the Reserve at the end of the cycle.


I do the same exact thing.

Nothing out there better than CSR. 100,000 point sign on bonus (although I believe they lowered it). 3x points on dining and travel, which is story of my life , then 50% extra when booking through travel. Travel includes car rental, airfare, ubers and yellow cabs, subway cards, pretty much a lot is covered there.

I really especially love the Priority Pass Lounges at the airports, and TSA Pre-Check + Global Entry comped. I HATE waiting on those long lines when returning into the country.
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Old 07-18-2017, 01:19 PM   #31
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I still maintain that collecting an insurance policy you paid for rather than one that's "included" is going to be a very different experience but that's educated speculation.
You already paid for it in the $450 fee so it's not like it's totally free. In any case, do as you will, the option is out there for you should you choose to take it.
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Old 07-18-2017, 01:27 PM   #32
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I do the same exact thing.

Nothing out there better than CSR. 100,000 point sign on bonus (although I believe they lowered it). 3x points on dining and travel, which is story of my life , then 50% extra when booking through travel. Travel includes car rental, airfare, ubers and yellow cabs, subway cards, pretty much a lot is covered there.

I really especially love the Priority Pass Lounges at the airports, and TSA Pre-Check + Global Entry comped. I HATE waiting on those long lines when returning into the country.
They did in 1Q this year down to $500/50,000 which is a big cut but people had about a year to sign up (and tons did).
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Old 07-18-2017, 01:40 PM   #33
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They did in 1Q this year down to $500/50,000 which is a big cut but people had about a year to sign up (and tons did).
Yup. So many people joined at the start that they ran out of metal cards and issued plastic ones instead. They backfilled with metal cards as they became available.
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Old 07-18-2017, 09:41 PM   #34
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AmEx Plat lounge access ( Centurion lounges + Delta Skyclubs + priority pass) blows CSR (only priority pass) away.


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Old 07-19-2017, 01:52 AM   #35
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I wish I traveled more and could use the benefits like you ballers.
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Old 07-19-2017, 04:57 AM   #36
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I was looking forward to the Amex lounge at McCracker considering it was airside and it wasn't filthy dirty, poorly located or non existent like the other airline lounges were in the areas I travelled in the us but was turned away because it was "full".
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Old 07-19-2017, 08:04 AM   #37
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AmEx Plat lounge access ( Centurion lounges + Delta Skyclubs + priority pass) blows CSR (only priority pass) away.


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Yep, that's the big advantage of the Amex over CSR. Downside is that Delta doesn't let you bring a guest (also only valid if flying Delta) and centurion lounges aren't all that plentiful.

If your home airport has a Centurion then that makes the case for Amex a lot better.
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Old 07-19-2017, 09:41 AM   #38
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Originally Posted by Chris3Duke View Post
AmEx Plat lounge access ( Centurion lounges + Delta Skyclubs + priority pass) blows CSR (only priority pass) away.


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Lounges were a big selling point for me, realized the centurion lounges are far and few. Where as Priority Pass is everywhere. I always check on the site or app to plan ahead of time, and theyre plentiful. Ofcourse some are way nicer than others. London's lounges are 10x nicer than the ones on the east coast.
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