I have a CSR with an annual fee coming up. I used to travel a bit but now with two young kids, it’s maybe once or twice a year, and the AF is probably not worth it. But because the kids are young, it’s nice to have lounge access when we do go on trips. The only other perk we use is the dash pass (which I don’t mind paying separately). Any recs on a replacement card combo that would work for me? Since I don’t travel much, is cash back the better route?

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

What’s your major spending categories now?

Restaurants: get Cap One Savor for 4% cash back on restaurants and 3% on groceries. $95(?) fee. Groceries: Amex blue preferred for 6% on groceries (similar fee).

By the way, we also have freedom unlimited, Hyatt (for the free nights and status match with mlife), Marriott (just got for the 5 day sign up bonus.. will cancel before 1 year), Amazon, and Costco.

I’d consider the capital one venture x (I have both). 300$ in travel credits plus free points every year. Their travel portal is actually good and has better prices. Points can be cash back (2%) or transferred. Better partners than chase. Has priority pass and their own lounges. Hell even using points for baseball tickets is a great value.

Amex Gold…4x on dining/groceries. Happy to provide a referral!

And that’s why referrals are so tacky. The Resy offer is arguably much better for most people and it’s public. So sure try and get that bread even though it’s not as good an offer…

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