Does anyone have and pay for both Chase Sapphire Reserve and Amex Plat. Would you recommend having both?

like
Posting as :
works at
You are currently posting as works at

I do. Taking into account all credits, Amex is $550-200 (Uber) - $200 (airline) -$100 (Saks) =$50. Usually I’ll get a few other offers that are effective cash (most recently, $60 back on any Marriott purchase over $300). Obviously the CSR is $250 after travel credit not counting DoorDash which is $60 (?).

CSR is easy to get value from on a points accrual perspective - 3x on all travel and dining is super broad, and it’s better now with the new Lyft 10x earn rate. Combine CSR with the Chase Freedom to max our their 5x categories. CSR points are great because the floor is 1.5 cents, and otherwise you can transfer them for better value. I spend a lot on dining and travel so this is an easy way to earn a bunch of points.

Amex points accrue more slowly, but I think it’s valuable to have points in a different rewards program to allow more flexibility. Where Amex really shines is purchase protection - if I’m buying material goods, they go on the Amex. You get like 120 days of purchase protection where if you buy something and then break it or lose it, you get your money back. Same with return protection - if you change your mind about a purchase, they’ll just give you your money back. Centurion lounges is another big value add for me, since I am able to use them for work pretty often.

TLDR easy for me to justify CSR because of fast points accrual and high point value floor. Easy to justify Amex Plat because of credits and consumer protections/customer service. Plus, the spend categories (except 5X flights) are pretty much complementary and it’s nice to diversify.

likehelpful

👍🏼 Ditto.

Related Posts

Real estate help: Boyfriend and girlfriend buy a home together with a loan from bank. Boyfriend and girlfriend are now separated and both agree that girlfriend will live somewhere else. Both agree that they would like to take girlfriend off the deed but also off the hook with lender bank. What would you do in this situation as attorney for girlfriend?

like

Sad that I missed out on this deal 😭 brand new & tax free

Post Photo
like

Will I be overpaying, if I get a 2017 Lexus RX350 AWD with 49.5 K miles on it for 32K out of door from a dealership near me? This is my first time buying a used car and also anything outside of a Honda. All insights are appreciated.

like

2017 Lexus IS 200t F Sport for 32k plus taxes...? (33k miles) Yay or Nay?

like

I’m finally hitting a stride (now in my mid-30s) and have some cash to play around with/invest. Any suggestions or recommendations on good, long-term strategies (and/or things I should absolutely be doing) for people not familiar with having a tiny cushion of wealth? Also open to “you should hire a financial advisor, etc..”

I know money is relative but at what stage in your career did you start making and saving the big money (saving much more than you could spend)? I am not a big spender but....

like

I worked with a Junior AD that skipped college and went straight to portfolio school. I was mad resentful of him at first, mostly because I wish I would have thought of that and saved $100K.

like

My international flight is delayed due to closure of Pakistan airspace. Going to miss my connecting flight (on a different carrier) . Can I apply for trip cancellation insurance with chase for this ?

like

Looking for few suggestions for high risk/high return stocks at current level which have potential to double/ triple in next 3-4 years...

likefunny

Thoughts on the new Chase Freedom Flex?

like

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

like

Is a 900k net worth for a single person at almost 40 good or terrible? I see posts from our US counterparts on net worth and salary and feel so behind yet we have such a high COL in Toronto.

like

To take advantage of the next big economic downturn, should I set up a Robinhood or Charles Schwab account?

likehelpful

Side gigs. What do you do to supplement your income (besides marry for money)? I bartender but that’s taken a hit with Covid. Thinking about some kind of tutoring set up.

likefunny

Is retail quant trading on a massive rise?

likehelpful

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

like

Succeeding in growth investing - how much is natural brains / talent / intelligence to know what to look at vs. can be learned / hard work?

like

Sell or keep my old condo? Condo worth around 450k and still 310k balance to pay off. Mortgage is 2200 (adding HOA) and monthly rental is 2300-2400. It's an old condo so maintenance has already ate 50-60k over the course of 3 past years. Should I keep it or ditch it given that the cash flow is so minimal & upcoming maintenance might take me another hit?

like

Does LTA and phone allowance are processed each month as a taxable income if we do not produce the bills ?

like

Is it possible to track your retirement (alight) account via mint?

like

More Posts

Offered a salary of 92K for a Business Analyst position at Facebook NYC in the Marketing Intelligence team. What’s the typical range? I have more than 2 years of work experience

like

Going to an office to meet the team and see the office after being offered a position. After much thought I think it is best to stay at my current position for now. How do I go about declining an offer/ask for a day to think about it?

like

I’m a physician assistant with interests in technology. I’m well versed in epic. I’m looking to leave clinical medicine, what kind of roles are available with epic?

like

What is the average pay for Dialysis Technicians

like

Well I went to school and received my Bachelors and Master’s degree in Healthcare Administration. I graduated in 2016 and still have yet been given the opportunity to get into my field. I fill like it was a waste of time what are your thoughts?

like

Any college football season ticket owners here? Has your college refunded you yet for cancelled games?

like

What is the best FP&A tool, Anaplan, Jirav, Planful, Vena? Any other recommendation?

like

Hey Accenture Team!
I’m a L9 consultant based out of San Francisco, California who was impacted by recent lay off at Accenture. I wanted to understand as per WARN Act California employees are to be given at least 60 days notice, however I was only given 3 weeks notice. Can I challenge this?

like

Anyone had luck finding a good therapist who actually understands ADHD? Getting advice like "try taking a walk every day" and "practice these breathing exercises" is driving me crazy. I need actual solutions and shit, not just platitudes and internet worksheets.

like

Thoughts on the S5 sport back? Better alternatives? Reviews? Hate it? Love it?

like

Will we get extra salary if we worked on holiday in tcs. In timesheet its showing red means holiday

funny

Has anyone else tried Strattera, had success, and a few months later felt like work was a struggle again? Am I imagining it? There are reasons why I should not take stimulants, but I miss that feeling of being a “regular” person at work and so am curious if others have had a similar journey and where you all ended up

like

Had a panic attack last night - my first in about 3 months. That knot of anxiousness in my stomach won’t go away and I feel unable to “unclench”. At home with family and they keep saying things like j

What is the funniest/dumbest thing a sibling or friend talked you into doing as a kid? My best friend convinced me that playing soccer with a basketball would be a good idea and I broke my foot 🤣

funnylikehelpful

Anyone at Ogletree Deakins, Jackson Lewis, Littler, or Fisher Phillips who can share the latest on their remote work policies?

like

Anyone doing anything fun today 😎

like

What is the interview process in Grid Dynamics For QA Automation Engineer.

like

Managers at Accenture Strategy (South), what was your pay increase going from consultant to manager? Any promotion bonuses?

like
like

Just realized I hadn’t had an in-person interview since 2019. I’ve done multiple zoom interviews and was onboarded remote in 2020. About to see a real person today! Wish me luck.

like

Additional Posts in Product Recommendations

Diamond stud earrings or pendant - any recommendations? Thinking blue nile or something along those lines. Also seeking general ct weight guidance (not too small but not gaudy big/expensive)

like

Everyone says Geico car insurance is cheap . However for me it is most expensive. I went for Allstate/State farm which were cheaper than Geico. Am I missing something?

Wow. Wayfair is a joke. I haven’t had a single good experience with anything I’ve purchased from them. And I only order things with good reviews! Now I’m waiting for a mattress which shipped last week...and won’t show up until September. HOW.

like

What is your favorite free, file sharing collaboration site? I am building a birthday mashup video and have friends and family submitting numerous video clips and photos that I would like to house in one place with folders. Want easy upload and download.

like

Hello house, I want to learn how to write technical user stories

like

Does Briggs and Riley go on sale? Camelcamelcamel shows that the $600 ones usually cost significantly less

Anyone looking to replace their Cisco Prime Collaboration Assurance tool (PCA) which is coming End of Life? What are you considering?

like

Trying to find a very nice weekender/duffle for my boyfriend. Price isn’t a concern- I’d like good value for $$ however! Not opposed to any brand (designer or otherwise).

like

Treadmill recommendations please?

Samsung Galaxy Note 9 or iPhone X/XS? Like the S Pen for writing but would also like to be able to send texts from iPad without keeping the phone on (I.e. iMessage). Currently have an iPhone

What’s your favorite cleaning tool in your home right now? Feeling insane constantly living, working, and cleaning in the same space 24/7

like

Looking for a stylus for older iPad models (non pencil compatible) fit notes taking ... any recommendations ?

like

Recommendations for warm and windproof gloves? Preferably leather and lets you use your phone’s touchscreen

Male 🐠 best electric razor for face and neck shave?Hate using blade and want something that’s quick powerful and effective

like

I’m sure this has been covered but I need a recommendation for a cheap pair of noise cancelling headphones. I have AirPods which are unbelievable and have changed my life but they aren’t great...

Any recommendations for front door security camera’s (eg ring)? Want one for my parents who live in a not-dense suburb

like

Google Assistant or Amazon Echo?

like

Any recommendations for a buy it for life laptop bag?

like

Best noise-canceling headphones that are comfy when worn for a few hours? Thank you in advance!

like

AirPods or Bose QC35?

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal