CCGuy88 wrote:Typically I have a $300-600 balance I pay in full on the Freedom every month with a 2.9k limit (they gave me a 1k auto cli after a year).
For that amount of spend you probably want to look at a cash back card. What are your major spend categories? How much non category spend? If there's a lot of the latter then a 1.5% or 2% card on all purchases may be the way to go.
CCGuy88 wrote:But I see the point alot of members are saying. It seems like you have to book a ton of flights and many purchases to make the CSP work.
You don't have to book a lot of flights but a significant amount of spend is required to accrue enough UR points to redeem and to get well beyond offsetting the AF. I've had about $26K each year on mine and even that's not really a whole lot but a good portion of that is at 2x plus I have other UR cards earning at 5x. One also has to be able to redeem for options that maximize UR point value. Cash back is an option but it is only $0.01/point. Accruing the UR points with the CSP itself is faster if one has a lot of spend in categories that are not simply 1x but dining and travel are broadly defined.
CCGuy88 wrote:What do you suggest I should do?
First determine your priorities. Then define your needs/wants and use that to select a card that suits those needs/wants. Your approach is scattered so it's no wonder that you're a bit confused.
Does the sign on bonus matter more than your ability to earn rewards in the long run on your spend? Focusing on the bonus is what got you to the CSP which doesn't seem to suit you...
Running the numbers for your spend would help to give you a better idea of the rewards you'd stand to earn and the difference from one card to another. While you're getting 5% on the Freedom for category spend you're getting 1% on non-category spend. If you're looking at a 2% cards as a possibility how much is that difference in dollars? Understanding that may help you in determining if the $ are really worth the effort to you.