1% cash back vs CSR points (1 point per $ spent in that category). In scope spend: $4000 spend / month. What do you recommend between the two?

like
Posting as :
works at
You are currently posting as works at

Nothing... you use CSR for only travel and dining.

You should also keep the Chase Freedom and Freedom Unlimited in your wallet to rotate categories as applicable to maximize points. The reason to keep them all under Chase is you can transfer points and redeem on the CSR.

likehelpful

Huh?

like

Both! Get 2 cards and switch off - 1% with rotating monthly 5% categories (such as Discover) and pair it with a strong point card with high reward (Chase Sapphire is my favorite)

I mean with the comparison you’re giving me csr because I’d get 1.5% cashback if I use the travel center to redeem

Chase UR points are worth 1.82 cents each according to BoardingArea, so that’s effectively 1.82% back. (More than that though if you book through the UR portal)

Depends how much you value the flexibility of cash, but the most value would obviously be the CSR points. You'll get your best "easy to redeem" value by transferring those points to Hyatt: valued at ~1.8 cents per point

You can redeem CSR points for 1 cent a piece (1%), but can also use it for other things as well.

There is no reason to lock into only 1% cash back. Get that option value via the CSR.

Also the capital one Quicksilver is super easy to get and that’s just a standard no fee card with 1.5% cash back and no foreign transaction fees. Better than your 1%

CSR to buy flights at 1.5c per point which themselves earn more miles

Related Posts

If you were 22 years old with $55k in cash and $14k in student loan debt what would you do?

like

Does anyone here invest in a crypto hedge fund? Curious about your experience, pros/cons, whether it is any more beneficial than simply investing through Coinbase.

like

Currently I pay $1900 for a brand new & modern 1BHK in the Greater NYC area. Moving to SF later this year. Any recommendations on how much to budget for SF? Will be working in Downtown area & currently got a car. I am little bit divided on whether to sell the car or move it to SF.

Looking for a good neighbourhood and ok with 30 minute commute to work.

like

My partner and I are in the process of buying a PHEV that qualifies for the full non-refundable federal tax credit. We will both owe taxes in excess of the current $7,500 cap (will see if that increases with the new budget bill). If we both own the car (i.e. both names on the title), how do we manage filing for the tax credit when filing separately? Do we just pick one of us to file? Is there guidance on splitting the credit across owners? Does it matter what order our names are on the title?

like

Just put my deposit down for a 6 mo wait for a datejust… any ways to speed up the wait time? 😬😳 Want it on my wrist already!!

like

Is it wise decision to invest more than 3% in PPP. Now a days cgi share price is growing rapidly.

Any thought on individual contribution(more than 3%)

# CGI

like

Hi mates,

I am working as JAVA Full Stack Developer..
3 years experience in MNC (TCS)
I am living in India
Can anyone help me how can I get work/sponsorship visa.
Countries i think is better which might give good opportunities - USA, UK,Canada.
Or if they can help me by any help for getting into this country,it will be great.

like
like

Anyone using the full limit of Section 80C to invest in NPS?

like

What steps have you guys taken to generate a second/ passive income?

I would love to come across some ideas and know how it is working out for you.

like

Associates - Care to share your rough budgets (income, spousal income/family support, rent, monthly spending, student loan payments, savings, etc.)?

like
like

Anyone received Sodexo amount credited in your account for this month??? Still I didn't get the Sodexo amount

like

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

like

Worked for 10.5yrs in Infy Package is 11L and now I have an offer from Enquero(Genpact) for 20L and as a counteroffer from Infy:- 40% hike + Canada visa or 70% hike

Please suggest which will be better for the long term for Testing(Automation/Manual)

PS: I have not considered a Canada visa

like

Is the a black market for rewards points? I want to get rid of my delta points for either American or Marriott points

like

If you bought a United Flight with miles can you change your flight and book with cash? I don’t have enough points for flight I want to change to and app is only give me miles option

like

I’m currently signed on a contract for my first house for new construction that has gas heating. I have not lived in a house with this before and this entire time have been battling the anxiety of it even with detector. The house, location, and price is all everything I could dream of. Any advice on what to do in this situation?

like

I had a baby almost a year ago. I should start a 529 account for my child but I am originally from France which also makes her a French citizen and she could easily go to college in France for not much money. It’s pretty much free there, I have 0 Student loan debt. With that in mind, a 529 would not be super helpful if we go that route. Should I consider other options? Do you have suggestions? Thanks so much!

like

More Posts

Without warning it looks like we'll be switching from consultant teaching to inclusion...what do I need to know. Never co-taught or done inclusion except for years and years ago and it was very informal. Best ways to build a solid relationship with the classroom teacher you're paired with? Pitfalls to watch out for? Thanks!

like

What is a Senior - ll role looks like in Deloitte USI? Can someone share their experience?

like

I believe in the philosophy of learning from other's experiences, success stories, mistakes and regrets while keeping in mind that similar set of life events may unfold into totally different ways/outcomes for others as there are always too many variables in the equation called LIFE. People may arrive at different destinations at different times while being on the almost similar path.

That being said-

If given a chance to RELIVE your life again, what would you do differently and why?

like

Favorite office chair?

like

Bain & Company Hello Fishes.

What is the average CTC offered for a Research Associate with 1 year of experience in Healthcare consulting?

I'm looking forward for opportunities, hence would be great to know the current CTC trends to effectively negotiate with the employer.

Thanks in advance!

Novartis Eli Lilly and Company EY WNS Global Services ZS Associates Clarivate Analytics Bain & Company Prescient Healthcare Group Axtria Sg analytics pvt ltd Course5i Trinity Consulting

likesmart

Anyone want a free chefs plate box? They sent me an extra one that I can’t have. Includes three different meals for two people (total 6 portions). Location: downtown.

like

Hi everyone, I’m in asset management at a real estate firm with 2 years of experience in my current role and 5 total years of experience in finance. What should my comp range be?

like

There it is folks. Also there has not been an uptick in “Bitcoin” Google searches. Few understand this.

Post Photo
likefunny

Hi Campus Recruiters at EY Canada. A month back, I have given a Hirevue interviewed for Technology consulting 2023. I have a couple of years of experience in Technology consulting. I have not heard or received any communication. Is the hiring already complete?

like

I have an interview with McKinsey - Senior Associate, the role pays 50k more than my current role. (3YOE)
I have no consulting experience nor do I have an MBA. Somehow I’ve passed the first 3 stages and I am now onto the case study interviews.
Has anyone went from product management into consulting, is it worth it, Am I making a mistake? (London, UK)

like

I have a 401k still in the Deloitte plan. What are your thoughts of rolling it into my current 401k or leaving it where it is?

like

I work as a worker’s compensation adjuster and I cannot seem to get the hand of loss of time. Been in the same role for a year. Any piece of advise? I have made several improvements but it feels like I’m dragging it out. Last question is how do you manage claims that you have not handle for months and you’re too scared to do anything.

like

Defenestration as attorney risk management is not recommended - told you this one would be a scorcher!

Post Photo
likefunny

Dear Sharks

Has anyone got Bonus payment, Usually 30% bonus split into 7.5% will paid on the last month of each quarter right
Like March, June, September, December

I have joined August month
I have not got any variable pay bonus
Is my understanding correct
Pls guide

You talking to me?

Post Photo
like

Sears may go officially bankrupt tonight. Time to liquidate those SYW points !

like

Is Nagarro accept 90 days NP?

like

LTI is Hiring for below Oracle - BU positions

Need immediate to 30 days joiners only

Location: Bangalore/Mumbai/Pune/Hyderabad/Chennai

JDE CNC
YOE :4 - 10 Yrs
Skill : CNC

JDE Finance Functional
YOE: 4 - 10 Yrs
Skill : FUNCTIONAL-FINANCE

OCC (Oracle Commerce cloud)
YOE: 4 - 10 Yrs
Skill :OCC

Oracle Flexcube
YOE :4 - 10 Yrs
Skill: FLEXCUBE

Oracle CPQ CLoud
3-5 years of experience in Oracle CPQ Implementation & Support
location - Mumbai

Interested plz DM with job role to apply

Why do clients always think I should be able to double their ROI right away... it takes time folks, and putting extra pressure on the marketing team does not make us faster

like

I need guidance - was able to sell work through relationship. All I have is my LLC and a bank account. No infrastructure, no HR set up, no legal document. Who should I reach out to get help?

like

Additional Posts in Consulting

TB12 is the 🐐

like

After getting kicked out of McK late last year, this gives me schadenfreude 🤣

Post Photo
likefunny

how does an aspiring startup founder get a business idea or inspiration?

likefunny

All these layoffs reminding me that loyalty is dead

like

Anyone have any recommendations for personal trainers in Houston? On maternity leave and looking to get back in shape.

like

Is anyone else getting angrier / more frustrated than usual at team members who are not pulling their weight? Wondering if our permanent virtual working situation is exacerbating all the less than positive feelings that naturally occur (sometimes) while working and teaming...?

like

Looking for book recommendations; any favorites? Interested in both fiction and educational/self-improvement (for example, investment / finance books, time management, etc). I feel my vocab is...

like

How bad would it be if I changed jobs 5 months after joining ? I just joined a new role and I’m looking to change in November cause I hate what I currently do.

like

STARTUP FOUNDERS and FAANG: would you rather hire MBB with 3-4 years of exp or Tier 2 with 5-6 years? If you could isolate those variables and everything else held constant.

like

Well, well, well...no consulting snow day, but did get upgraded to first. I'm willing to call that a win. Thanks, Delta! ❄️

like

No matter how sour or great your work tenure was, when you are close to your end date and handing over your badge etc on your last working day you feel extremely sad. EY is a great company (contd)

like

Is severance taxed higher? I got 1 month of pay but seemed to be taxed much higher

like

If I'm offered pre-IPO equity at $x amount based on the last round of funding, and then an IPO values the company at 25% more, is that equity automatically with 25% more or is it not that simple?

Obviously understand that stock value will fluctuate.

Since the firm has clearly abandoned the practice of matching its peers (e.g., BCG/Bain) in terms of benefits, would love to hear some of the benefits provided by our new peers (Big4)? ....

like

Anyone ever request a switch of ambassadors? Mine hasn’t replied to emails in almost a week, and since the merger she’s been proving pretty poor service, nothing more than I could do myself.

like

Would you accept a job offer that’s very covid specific? Like all of the role is designed around the orgs response to covid/its impact on employees. My concern is that... what happens to this role when everything is settled and there’s no more responding left to do?

like

Discussion post: I feel almost all consulting firms are the same. Mbb, big 4 etc. if you are paid enough there is probably less wlb. If there is good wlb there is not much money. Can you single out a company that you can confidently say pays very well and also has good wlb and also has good opportunities etc.?

like

What’s your strategy for looking for exit opportunities?

like

How’s Deloitte IT M&A group ? Any insight on work culture, leadership etc. is helpful. Also what’s the compensation one can expect at manager level as an experienced hire ?

like

Any Freemasons lurking around here!? Thinking about making a Bowl for my Traveling Brothers. Maybe to talk about how we view this unique Labor (consulting) in a Masonic context, post some inspirational messages, recommend good books, idk stuff like that...

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal