Change my mind: the CSP (2x travel) paired with the CFU (3x dining) is effectively as good as the CSR but with a lower fee. By combining the two above, the math on the CSR breakeven changes.

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For the CFU do you get 3 points or 3% cash back?

Permanent, I believe - the change occurred before COVID, if I’m remembering correctly

Are you allowed to have two different cards open with Chase at the same time? Also doesn’t the CSR redeem points at 1.5x their value compared to 1x for CSP and CFU?

I believe the only family restriction is for Sapphire. You can have as many freedom cards as you like (regular, unlimited, flex—multiples of each).

CSR points are more valuable if used as cash.

Also, CSR has so many credits this year that make the fee almost the same or less than CSP.
- $300 travel credit
- $60 DoorDash credit
- $120 Peloton credit

On a separate note, CSR + Amex Gold is better for food, groceries, and travel.

Reminder that travel credit can be used on gas and grocery this year.

$0.015 PYB is good through September.

I don't own a Peloton but I've been using the ctredits for the other classes (e.g., yoga, stretching).

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If we’re traveling, I want the extra point with CSR and priority pass. With the travel credit, we’re already there. The other perks are gravy.

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