Current CSR owners: I have the CSR and want to get the CSP due to the new 100k bonus.

It has been 48 months since I received the previous bonus so I am eligible. However, if I cancel now I wouldn't get the 450 annual fee back. Would you still cancel + get the CSP for the big bonus or keep the CSR?

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Just make sure you got the $300 CSR credit before downgrading. (And downgrade to a free card, don’t cancel the CSR.)

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Also make sure you use the $60 doordash credit

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Yes, as others said downgrade to a Chase Freedom Unlimited or Freedom Flex and you’ll actually get a prorated refund of the CSP annual fee. Plus it’ll have less impact on your credit score than cancelling would.

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Downgrade to a CF and then do a modified double dip (research MDD on r/churning) to get the CSP and CSR on consecutive days.

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MDD at your own risk

I’d cancel, the CSR fee is a sunk cost at this point

You got it. And upgrade back to CSR after a year to get those perks back

Thanks! Makes sense

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