Have the CSR and thinking about downgrading to CSP, should I downgrade or have my wife get the CSP so we can get the bonus. If we do that I’ll get the chase freedom. How does that affect my chase points?

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Downgrade to one of the free cards and then apply for new csp to get the bonus then refer your wife and have her get bonus too

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Have her sign up for the bonus herself. I scrapped mine last year and signed up again to get the bonus (4 year waiting period)

I transferred mine to freedom. And then transferred back

Sign up for the CSP bonus and downgrade to the chase freedom! Chase freedom is a great little card for everything that isn’t a normal bonus category for the CSP (1.5x points on all spending).

Idk u missed the boat for 100k csp. You can only sign up for a Saphire card once every four years. It might be best to downgrade csr to freedom and open up a non Saphire card while waiting for the 100k bonus to roll back around. You might not care for churning. In this case I could see why you might take the lower offer.

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