- Centurion Member
- Posts: 838
- Joined: Thu Mar 21, 2013 6:06 am
- Location: Ventura, CA
I cleaned up in the first year with my CSP. I only use it at restaurants and for travel related expenses so I'm always earning at least 2x. A few times I used the shopping portal to earn bonus points and when it is all said and done I earned an average of 4x UR points for the >$20k I put on the card. Used wisely UR points can be very valuable.
They are like any other program including CB, if you don't use it wisely you are only cheating yourself. With Discover, I only redeem for GCs that are on sale to stretch my CB even further.
The loss of the 7% and extra point is a downer for sure, but you can still do well with a little effort. As long as the card is making me $$ I'll keep it.
Of course YMMV.
American Express (2005): Green & Blue Cash Everyday
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC