Why do people love CSR? Isn’t it max 1.5% cash back (on travel)? Why wouldn’t you just use a 2% cash back card for everyday spending?

I understand the benefits of having the card (lounge, etc.), but why use it for your everyday spending?

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4.5% if you use it for pay yourself back or Chase travel portal redemption

Pair that with a Chase Freedom Unlimited or Freedom Flex and a points transfer, and you can get functionally 2.25% back on everyday spend and 7.5% on the rotating categories

This is not including the lounge, rental car insurance, trip protection, etc.

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It really depends on your spending habits and whatnot. Amex Plat has higher fees but way more credit options which may or may not be worthwhile to you. CSR/Amex also have different travel partners in their ecosystem (ex: Amex and Delta are big), so that’s up to personal choice too.

Yeah restaurants and Ubers / Lyfts are 3x points. Idk where this 1.5 came from

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Lyft is like 10% now

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My everyday spend is on their big point earners. In NYC about 90% of discretionary spend is out

Csr has 3x points on travel and food. If you use it on their travel portal that is a 4.5 cent value. You can also transfer to partners if you think that's worth more

What are the biggest point earners? What should I use it for?

I love it for the trip delay insurance. Flight cancelled due to weather = free $500 in restaurants, hotels, cabs and toiletries with minimal hassles.

I didn’t know about this! That’s big

Points and cash back cards are two different things. Points cards generally have very bad earn rates when redeemed for cash back when compared to pure cash back cards, *but* if you’re into playing the points game, points can be worth far more than cash back.

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