My firm will cover a credit card annual fee, which one should I get? My mind immediately goes to Amex Plat. but I’m current an authorized user on my sisters (military benefits of waiving annual fees) so I get lounge access etc. Should I just get my own? Another card? I have the chase freedom, unlimited, and preferred. Thanks!

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So kind of your sister and glad you both are taking advantage of her benefit. I would recommend getting CSR. You’ll have access to both Chase and Amex benefits.

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She’s the best! An expert at maximizing points

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Amex Black Card

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CSR - my go to card, I also don’t like the perks of amex plat and, for me, the point value/redemption is better with CSR

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Maybe the Gold Mastercard from
Luxurycard.com annual fee of $995. Not the best card but fairly solid with 2% back on everything, priority pass, $200 annual travel credit and the card itself is gold plated in 24k gold. Supposedly a great concierge service.

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Amex Plat, Venture X, or CSR.

I have the CSR because I don’t like the Capital One portal and wouldn’t use the perks of the Amex Plat

CSR

Since you're already in the Chase ecosystem, the Chase Sapphire Reserve probably makes sense. Only other suggestions would be the Amex Platinum if you're flying Delta or located in Centurion locations, or maybe the Capital One Venture X if you'll be around DFW, IAD, or DEN

Csr

What's better about Chase Sapphire Reserve vs Amex Plat? I was planning on getting Amex Plat in a month or so due to the perks - like all the different airport lounges, reimbursement for global entry, etc.

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