CSP or Amex gold? Not spending $550 for a credit card, I only make 80k. Was thinking CSR but with their changes it’s not worth it to me. I travel 2x/year, dining... idk but it’s a lot. 6x/month

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I would analyze my spend and model my spend against the benefits of each card. I uncovered interesting spend habits that i wasnt expecting and may think you will as well.

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If you travel 2x a year you can use the $100 airline credit Amex gives you to chill at lounge and $10 dining credit to buy lunch. On top of that you can still get 4x on restaurants and supermarket. I think answer is obvious

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If you have a corporate AMEX already, you can get a statement credit for the gold card. I’m not sure what the amount is but for the Platinum it’s $150 annually.

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That’s annoying! I’d try a few times to see if you get an agent that would push it through

You can easily afford a $550 credit card on $80k

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And by 6x/month I mean restaurants and bars. Not including buying lunch (maybe 4x/week) and coffees.

Your income really has nothing to do with the annual fee it’s just a cost benefit analysis. Similar comp here and have Amex Gold and Plat and CSP and see great value

Whoa how/why do you pay all those annual fees and why do u have gold AND plat

Those cards can easily pay for themselves depending on spending habits but I have Gold and CSR and think it’s well worth the fees

Agreed with all re: Amex gold benefits. I have both the gold and the CSR and there’s more value to CSR than has been covered here - $60 DoorDash credit each year in 2020 and 2021 (That’s like 2-3 meals right there) which knocks your fee down to $190. You should do your own valuations of priority pass and points but imo it’s a no brainer

“Not spending 550, I only make 80k” lol whichever card you get, if it returns a negative cashflow there’s a problem. Credit cards shouldnt cost you a dime.

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