For someone spending ~$100k on a credit card in a given year, mostly travel / dinners, what card would you recommend if they don’t want any crazy combo? Was thinking CSP or CSR - They’re United loyalists but not tied long term.

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CSR. 3x points on all kinds of travel (very broad definition) and dining. You'll get $300 credited back immediately on any travel expenses, which takes the AF down significantly, too. And you get those 3x bonus points regardless of where you purchase the travel; you don't have to purchase airfare through the chase travel portal, for instance.

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That’s about my spend on the CSR and it’s gone well for me. I’m thinking of potentially downgrading to the CSP because it’s only 1 less point on travel. Only reason for downgrade is the stupid high annual fee.

I think at 100k you’ll get your money back on the premium card, especially Using priority pass if traveling. Venture X, CSR, Amex plat. Venture X has best offer currently

Citi prestige is interesting, especially if you can use the miles in their partner airlines as points transfer 1:1

What's the split of dining and travel? And what kind of travel? Mostly airfare?

Depending on the structure Amex gold could be better with lower annual fee + better earnings/partners (I have a preference for Amex over chase points)

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