I have the Sapphire Reserve (it seems I'm supposed to refer to it as the CSR here). And I have always been resistant to juggling multiple cards. But as my grocery spend increases I'm suddenly aware of this whole pairing concept.

Is it accurate that if I get the free Flex Unlimited I can get 5% on groceries (for a year), 3% on drugstores, and 1.5% on everything else, AND I can transfer those points to my CSR account and effectively get 7.5%, 4.5%, or 2.25% back on my spend?

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AND, I don't really juggle cards. I use the Flex Unlimited for everything except travel, and I keep the CSR just for the freebies and so that I can get 1.5 value on my points.

Correct this is the strong combo of having a secondary chase card - you transfer the points at a higher redemption value. All things travel, dining, Lyft etc go on CSR and everything else goes on the Freedom

But if I'm not mistaken, the Flex Unlimited also has 3% on dining. So I think I'd put my CSR in my phone/computer for booking travel, Lyft, Peloton or anything with a CSR perk. But I'd carry only the unlimited flex with my day to day.

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