I can use personal card for travel and have both Amex platinum as well as CSR. Thinking about sticking with CSR for all travel and closing Amex platinum. Is this the right move to maximize points?

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The 5x points on flights is super restrictive. Technically, it’s a better deal than the 4.5x from CSR (3x plus 1.5x multiplier if you redeem for travel), but it’s not worth the hassle. CSR all the way.

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I would downgrade to the gold for points, much better earning on that card

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That's a lot of money on credit card fees... Given that many of the most valuable perks are provided by both, make sure you are considering incremental value and not double counting

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5x points on flights with the Amex platinum

I’d recommend keeping both, getting the 5x on airfare is clutch and Amex has some really good retention offers if you call them that basically make up the annual fee anyway. Add on centurion lounge access and other random Amex offers that pop up and the card pays for itself imo

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