About to do some spending (furnishing a house, new wardrobe), have decent credit score and don't have a credit card - should I get the CSP or something else? Not wanting to get an Amex.

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Citi double cash back gets you 2% cash back on purchases.
I use that for spending that isn’t dining or travel (use CSR for those purchases).

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Also a good card. If OP is going to be doing a good amount of spending in a short amount of time it might be better to grab a card with a compelling sign-up bonus tho!

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CSR. No reason to really ever get the CSP.

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Sounds like a plan SM1. I don't have any major travel plans in the coming year so I thought the CSR benefits weren't really useful (given the higher fee). Good to know I can upgrade

If you are doing a lot I’d get the chase freedom in conjunction with the preferred right now. The preferred has the better bonus, and the freedom gives 3 UR points per dollar spent. Then OP you can upgrade to the CSR if you will have a lot of travel spend.

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You should be able to as long as you don’t exceed chase’s 5/24 rule (opened 5 cards within the last 24 months).

Thanks all, yes figured I'd go for something with a sign-up bonus

What’s the rationale behind not wanting an Amex?

haha ok guys. 😂😭

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