I know this has been discussed countless times but it's a case by case thing ykwim --- Do I keep plat or csr?

- I fly united out of ORD
- ORD doesn't have a centurion lounge
- Main hotel usage is Hyatt (CSR)
- I use Walmart+ and fully use digital reimbursements (Plat)
- I don't use Instacart (CSR)
- I use UberEATS (Plat) but like Lyft 10x (CSR)
- I don't use equinox (Plat)
- I dine out a lot and like 3x on dining (CSR)

Kinda don't know what to do here

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United,Hyatt,Lyft 10x and dine out a lot (3x) — CSR is your answer.

Chop Plat.

You can switch from Walmart and ubereats to instacart and doordash, both of which should meet the same needs while having CSR perks. Then you can drop Plat without much issue.

Bye bye plat

CSR

Why not both? Depending on your lifestyle, you could get quite the return. Throw in the Amex Gold while you are at it.

Why don’t you use Instacart? Just place a pickup order to avoid all the fees and get your $15 a month worth of groceries.

I also think you need to weigh in the amex offers. They sometimes have really good ones.

Also, it’s all about accumulating points. Each has different multipliers so that would be helpful to know.

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