Best go to CC for everyday spending? Not comfortable with the fee for the CSR just yet as I don't travel a crazy amount (60% travel). Using the venture card right now due to 12 mos interest free.

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Id highly recommend you re-look at the economics of CSR. You wont spend $300 a year on cabs / uber / parking / flights / hotel, even if you dont travel much? $450 - $300 is $150 of effective annual fee, plus 3% points on all travel and restaurant expenses = worth a ton.

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If you don't want to buy into the chase system where the CSR can net you effective 2.25% on everyday purchases with the freedom unlimited card, you can't go wrong with the Citi double cash. 2% on everything. Amex everyday only nets you 1.2% even with the bonus on everyday spending (grocery stores are higher).

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Sapphire Preferred for $95

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Discover. U get cash back for spending.

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I use the AMEX Everyday card. If you use it 20x in a month, you get an extra 20% on your points. Really adds up.

Best free card is Citi Double Cash

But if carrying a balance, forget the rewards cards.

AmEx SPG

Citi double cash

Freedom unlimited if you want to use points for travel AND have a CSP or CSR. Citi Double Cash otherwise

CSR ftw

CSR also counts for public transit and bus

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