Are there people out there with both CSR and AX plat? What’s your thinking on value of both? (I have CSR now, plus Ax Blue Preferred, great for groceries and gas, and Cap One Savor, great for restaurants).

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Have both. CSR for years and haven’t churned. Have used for purchase protection claims ~7times over the last few years and saved close to $19k in replacement costs. So I’ve been able to rationalize the annual fee based on that.

I entered the Amex ecosystem last year with gold + plat and hadn’t used the csr much since. I mainly hold on to it because I’ll place big non travel purchases on it in case something happens-but there’s identical coverage on Amex. Just don’t have experience with it

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Seems unlikely to me that a cap one card that isn't venture x is better on restaurants than CSR.

CSR is 3x points and each point is considered 1.5c so a total of 4.5%

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CSR and Savor One have the same 3% back on dining. Not sure I get the logic of using your Savor One at restaurants, unless you value Cap One transfer partners over Chase for some reason AND plan to open the Venture X.

If you prefer cash, get the citi custom cash. 5% back on highest (eligible) category per month. Includes dining. No annual fee and a $200 SUB.

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