- Centurion Member
- Posts: 3959
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Vermonster wrote:One additional thing to add to the Freedom/CSP is that if you have a Chase checking you get an additional 10% of your points at the end of the year. So really your 5% becomes 5.5% and the 1% on everything else is 1.1%. It isn't much but it can add up to a small bonus ever year. I also like the CSP's "Travel" rewards. It covers a lot more of what I do in a normal year. Plus there is the 20% bonus for redeeming UR points on travel with the CSP.
For me the Freedom and CSP compliment each other very nicely. Where as the ED and PRG seem to overlap a bit. Unless you are spending hundreds a week at a grocery store, I don't thing the ED is really needed.
Freedom's 10% bonus is ending soon. You'll get a bonus in early 2016 for 10% of points earned in 2015. There will be no bonus for 2016 spending. I'll take it while it lasts, though.
I also really like the broad definition of travel for CSP.
I think the ED is pretty unexciting. The EDP is great for some people (I'm considering one - I cook more than I eat out, and I like to feed myself/guests well). EDP and Platinum make for a high-AF, but potentially excellent, everyday and travel combination. PRG really seems to be turning into more of an airfare/travel perks card than an everyday spending card.
Edit: Most of my spending goes to URs. If I replaced Sallie Mae with an EDP, then that would give me a good balance of URs and MRs.
I need to see what I could get as far as a bonus for EDP...or if PC rules have relaxed and I could PC my BCE into an EDP.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May