- Centurion Member
- Posts: 1145
- Joined: Sun Jan 26, 2014 3:55 am
- Location: US
I would build up UR if I were you, especially after just getting the CSP. Many can get more than $0.015/UR anyway. Of course it depends on how specifically you would redeem UR, but if it were the case for you then the CSP + Freedom combo would be a clear frontrunner over QS. The bonus categories for each and the ability to transfer points makes the combo a powerful one.
Maybe you'd prefer the straight 1.5% from QS (you like cash back, you like a conservative known rewards return over an unknown return to be determined in the future, etc.). If so there is nothing wrong with using QS for uncategorized spending, but if you're not racking up UR or planning on transferring to a partner, is there really any benefit in having a CSP for a $95 AF?
Whatever you do, make sure to put enough of your spending on the CSP to at least get the introductory bonus.
EDIT: I was amused at what Michael, nowipaco, and I have in common. My wife also doesn't like the complexities of the rewards game. I would like to add more down the road (like a straightforward Sallie Mae for gas or eventually another, more simple card for travel like an Arrival+ or Discover it Miles), but it might drive her crazy. We only have two major cards in rotation now, but she's resigned to just going along with it and using whatever I tell her. She just wants me to be the one to worry about it and make sure we never pay interest.
EX - 804 (10/16) | TU - 803 (10/16)
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now