If you don’t spend a ton of money, high fee cards like CSR aren’t worth it, right? Just wanted to make sure.

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It depends. I have CSR because the benefits basically make up for the cost

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Actually, I would say it’s dependent on the benefits. I have the Amex platinum and I mostly just have it because of lounge access, uber credits, etc.

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Will count myself blessed that my firm lets me expense annual credit card fee or airline membership fee

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Which firm?

Yes. But you’d be surprised how relatively little you’d have to spend to make the Chase trifecta (CSR/CF/CFU) worth it. If you eat out occasionally and take one or two vacations a year, it becomes worth it.

smart

Quick math. You get 4.5% exact return on your travel expenses with CSR. Fee is 250 after the $300 credit. So you need to spend 250/0.045 + 300= $5,555. So at a basic level, if you spend in a year at least this $5,555 total in flights, rides, hotels and dinners, you already paid it off. (I spend that amount in 3 weeks lol).

Disclaimer: not including additional benefits like Lyft extra points, blablabla, in that case it pays itself even faster requiring less amount.

Specially since CSR points can be used at $ nominal value for essentially almost any sort of flight and hotel

Same boat as you OP, I definitely don’t spend enough to make the CSR worth it. I’ll reevaluate when I move to a firm that lets me charge my travel expenses on a personal card.

There are calculators online that’ll tell you if it’s gonna be worth it based on your spending. If you have to question it, my guess is that the CSP would be a better option

What’s CSR?

Chase Sapphire Reserve

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