{ "media_type": "text", "post_content": "Why are so many moving from CSR to CSP. I get that the fee is significantly higher for the former, but how are benefits better for the latter?", "post_id": "6141381a79de46002a0a2e1c", "reply_count": 17, "vote_count": 3, "bowl_id": "58f82522753e990016609224", "bowl_name": "All things points" }

Why are so many moving from CSR to CSP. I get that the fee is significantly higher for the former, but how are benefits better for the latter?

like
Posting as :
works at
You are currently posting as works at

Honestly for me the decrease in travel isn’t a good enough reason to downgrade. I still get plenty of points from dining, entertainment, etc. I don’t see myself changing from CSR anytime soon, so right there with you OP

like

With less travel, can be harder to justify the higher annual fee especially after the changes. $95 CSP annual fee pays off my DoorDash membership so I’m 😎

like

The thing with the CSR that’s tough for me to let go is that I have almost 200k points and downgrading will drop their guaranteed value from $3000 to $2500 since CSP points are only worth 1.25 cents instead of 1.5. I’m not redeeming exclusively for travel booked through the UR portal, but for a lot of domestic flights you come out ahead vs transferring and redeeming points directly (plus spending through the portal counts as paying cash for airline status).

like

Following!

Doing the same, for the 100k sign up bonus. CSR isn't worth that much these days.

This. Also the only earning benefit of csr over csp is the travel category (3 vs 2) and lyft (that will expire in 03/22 and lyft is very hard to get where I am at). I still have the two freedom cards so the impact on earning is minimal while 100k sign up bonus was too good to pass up

More bang for my buck. I’m almost exclusively Amex, so I downgraded my CSR to CSP, mostly for when Amex is not accepted. The CSR is frankly overvalued/overrated. Not sure why it’s so popular, unless maybe the sign up bonus.

I downgraded to grab the 100k bonus. Since they’ve upped the CSPs restaurant earning to 3x and since I’m not traveling for the foreseeable future, I’m not really missing out on any earnings. If I start traveling again, I’ll look at upgrading as Priority Pass had some benefit for me. On the redemption side, the best options were always for travel partners, either Hyatt or one of the airlines. It’s pretty rare that I would book anything through their portal - maybe an odd boutique hotel that my company doesn’t get discounts at. I’m not really going as many places due to COVID anyway, so it’s kind of moot for the moment anyway.

No travel plus 100k bonus

How do you downgrade to get the bonus?

You can have more than one freedom card of each flavor. You can think about if it makes sense to cancel a card as well. Just do the math on it to see if it will increase the average age of your account or not.

What do these acronyms mean 😬😑

Happy to help- welcome!

Related Posts

DT maternity leave policy?

like

I switched from EY and the health benefits are atrocious compared to EY. Ha.

likefunny

If I know i want to stay and be in/near Tech, is it wise to chase M7 only? Like the top tech MBAs include schools outside M7 - CMU, Georgia tech, etc

like

Just realized I have a pension and it's 100% vested. Can I roll this over into an IRA when I leave?

like

Got an invitation to apply for Amex platinum. Is it any good?

like

Hello there! Presently on EB2 and of Indian nationality with Priority date in Aug 2016. Since I am a people manager and we have an office in Toronto, we were looking into getting a PR in Canada and having me work there for a year before coming back to the US on a L1A visa. Thus shortening my GC wait time. However with the recent EB3 retrogression, they are looking into possibly downgrading me to EB3 instead. Which route (L1A or EB3) would be quicker and dependable? How to convince them? Thanks!

like

Took a later flight and got some delta credit. What should I redeem? 1) delta credit 2) amazon gift card 3) visa gift card 4) other

like

Does anyone know if the 60-day rollover rule applies to Pension rollover even if you want to transfer it to an IRA account? I moved apartments when the pension packet got delivered and I didn’t get it until a month past the 60-day duration. Now I’m seeing that if you send a letter to the IRS to request an exemption there’s some $10k user fees..? I’m so confused. Is there no way to move the money to an IRA now?

like

Benefits of Big 4 strategy or operations consulting over MBB?

like

Best consulting companies for Healthcare related projects ?

Deloitte $148 K plus Bonus (based on company performance ) eligible for for merit hike in 2021 and AIP based on company performance no number defined in offer letter Amex $121K plus 12% bonus on base (which I will get in March2022) 2021 will be no merit hike and bonus will be not good this year.

like

Any open positions for senior consultant in Healthcare consulting in Dubai ?

like

What is the 401k match like at your firm?

like

Thinking about selling everything I own, my firstborn, and become homeless so I can put all my money into my 401k. Is this a good financial decision?

funnylike

Hey there Female Bosses! I have a sensitive question and I'd love your opinion... I was tracking for a promotion and pay rise, by all company measures I earned it! The reviews ran into my maternity leave, which resulted in the company telling me nothing will happen while I'm on leave (literal discrimination). Do you have a suggestion on how I make sure I get what I earned over the past number of years? Thanks for your advice

like

How to transfer all my MileagePlus points to SPG or Amex?

like

Guys, I have got an offer in Temenos as Associate Delivery Manager and in Wordline as Project Manager. Wordline offering 1.5 lac higher than Temenos. Would like to know , in which among these companies, I'll have job safety, Professional growth , benefits , etc... Please advise. YOE : 11

like

Anyone used more than one broker (for example, Charles Schwab, Vanguard, Fidelity, TD Ameritrade, Chase Investments, Merrill Lynch, Etrade, etc.) and could kindly share some thoughts on good / bad experiences / features you’ve had with them? Trying to use something other than Robinhood and appreciate any recommendation.

like

Friends. I am currently in the US. I have the option to do border TN visa or the mail in option. I am a Canadian citizen. Which option should I do?

like

Additional Posts

Can anyone suggest which company to join . Taking in consideration this compensation and also any lay offs history , if any ? - Persistent systems 14 LPA - Synechron 13 LPA - CGI 12.5 LPA + 1 LPA joining + some shares every month - Siemens 12.5 LPA + 1 LPA joining

like

Unpopular opinions: the hybrid model is the worst of both worlds for people in hcol cities with no kids. You have to be close to the office where the commute doesn't suck but you also need a place big enough to have an office. Any covid rent discount is way more than offset by this

likesmart

Can you get the Certified Fraud Examiner certification if you work in corporate tax?

like

Applying for NYU One Year Tech MBA for May 2021 start. I’m currently making 120k. I can probably hit 200k in 5 years but I’m also 34. Is it worth it to get my MBA and pay 140k to work at MBB or FAANG?

like

I have a second round interview at Amazon for a Program Manager non-tech role. What should I expect? LPs exclusively?

like

Google TAM - 2nd attempt after a year Hey peeps, wanted to know is there anyone who tried for 2nd time to get a job in Google (for any role). Would like to know in 2nd attempt do they raise the interview bar or ask more hard questions ? Any inputs are appreciated. TIA #GCP #TAM #Interview #Google

like

My students eventually get bored and restless when it comes to a classroom routine esp towards the end of the year. How can I keep things interesting but also consistent?

likehelpful

Can someone help me understand the BCG post-MBA Consultant role? Do consultants manage junior associates as part of the role?

likefunny

Does anyone have agent contact info who can book visa appointments in India?

funnylike

So...any guesses to what’s in this Holiday Mystery Box?

I am unable to manage my work and GMAT preparation. I work in IT Risk Advisory and the work culture (India 🙄) and hours are crazy (10-12 hours avg). I am behind my targets as per my study plan (targeting ~750) - can only manage to get in 1-2.5 hours of prep daily/alternate days, I try to study on weekends but it's difficult as I am burnt out from the work. Need advice from people who have faced and cracked this. I like my work and would prefer to grow and be a top performer as well

like

For those who have made/making the move from FDD over to FP&A, how do you address the lack of financial modeling skills in interviewing? Seems like a big gap when at Manager or above level when that’s one of the biggest parts of the FP&A function.

likehelpful

I just had to get a Covid test. I’d rather get the shot every week than that swab. I can’t imagine doing weekly testing!

likefunnysmart

Chicago area EA Fishes! I am backfilling my current role at Paradigm Healthcare. It is an EA role, with some HR responsibilities and a path to Chief of Staff. DM me if interested in specifics.

like

Currently interviewing for PE Blackrock, Blackstone and JPM IBD roles. Can anyone confirm what other companies are using pymetrics?

like

Anyone work at guidehouse and willing to chat and offer potential referral? Looking into healthcare project manager roles and have MPH with 3YOE. TIA!

funny

Outsourced IA /RA vs. Internal Audit - how’s the job differ? Why choose one path over another? WLB? I have 2 offers one at a consulting firm and one at a bank, just trying to understand the big differences as both seem like potentially good roles and comp is comparable. Also at the consulting firm I met a few people that left industry for consulting (which seems counterintuitive for me coming from external audit). Can someone help me understand why go back to consulting after industry?

like

RSM senior con salary range in tier 1 or 2 city? In their technology consulting. Thank you.

likehelpful

Anyone at okta willing to chat. I’ve used the product before and was impressed and now I see an interesting role I’d like to hear more about

like

Thoughts on MorganFranklin consulting? -pay -culture, etc I heard pay is same as big 4 with an extra profit share bonus. Culture is more self starter, less rank and file like big 4.

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the Fishbowl app

Get realtime notifications and see
what's happening in your industry
from the palm of your hand.

For account settings, visit Fishbowl on Desktop Browser or

General

Legal