CSP - How much to account for the annual fee?

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Postby takeshi » Wed Jan 29, 2014 8:35 am

sez wrote:Would you consider around $5k to $6k on traveling and restaurants a decent amount?

I wouldn't consider it decent but I put about $25K through my CSP in 2013. It's not really up to us. You can do the math for cash back redemptions and determine if that works for you. I'd suggest looking at the transfer partners and seeing what you could do with the associated points. Generally speaking, transferring yields better returns but see how your spend would work out for you.

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Postby MrMosby » Thu Jan 30, 2014 9:01 pm

It's not necessarily that cut an dry, it depends what you are looking for.

If you are strictly looking for reward points I would get a Chase Freedom if you don't have that already. That combined with the CSP is a pretty good combination because you get the 7% points dividend on the CSP (10% on the Freedom if you are a Chase Checking customer), 2% on Dining and Travel, 3% on Dining the first Friday of Every Month, the 5% Rotating Categories, and 1% on everything else. There is also some perks in there too.

If you are looking for travel perks and don't mind paying a fee you could look at the Ritz. It's 5 points at Ritz/Marriott, 2 points for travel and dining, 1 point for everything else, and a slew of other perks. (I got rid of my Amex Platinum for this because it was slightly cheaper, and a lot of the same perks)
Everyday Preferred $45K | Amex Platinum NPSL | Delta Platinum $30K | Chase Sapphire Reserve $74.5K | Discover IT $42K

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