I travel for work each week and stay at Marriotts. Am I stupid for having the Marriott AMEX and Chase CSR? Shelling out $1k/ year in fees

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I have a gold and platinum Amex. If the benefits outweigh the cost to you for both cards then I’d keep both. Otherwise get rid of one.

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Yeah if you have CSR no point in Amex. You get 3 points/$ which is 6 points on Marriott anyways. Better earnings rate with CSR on all other purchases.

Rationale for Marriott Amex: Net cost $150 (after credits). How many free nights are you getting? This could offset the net cost. In addition you get Amex offers like 20% cash back on Marriott stays occasionally which can further offset card cost.

Bottom line: If you can expense on personal cards, you are fine keeping both cards if you are strategic on where you use each card.

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