First 2 years for CSR is about to be over, and I’m looking at the value of the card against the annual fee. Combined with my other cards (Chase Freedom Unlimited & Flex) and deducting the $300 travel fee, the net benefit is $76. Is that enough to justify keeping the card? The lounge access at airports were a nice benefit, never got to use it since my client travel was through Amtrak.

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Are you taking pandemic impact into your evaluation?

What do you estimate to be your value of the card starting for maybe 2022?

If you're breaking even or profiting a little and think that you will get more benefit out of it when things go back to normal, keep it. It's also hard to put a value amount on some things that you have access to that you might not otherwise, if that is your case.

If you're only calculating $76 ahead (are you also valuing points earned?), then you may want to look into a few other cards to see if they are more aligned with spending. I mean even a basic 1% cash back card would net you $100 in rewards without factoring other categories or any promos. But you're not going to have all those additional benefits that CSR gives you.

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