- Centurion Member
- Posts: 3969
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
One thing to keep in mind...if you're using UR points to buy travel for 20% off, and you plan to keep the card past the first year, you may be better off with an Arrival-type card.
The appeal of UR points is that you might not have a lot of them, but each point can go a long way through transfers...as in 2+ cents per point. If you're not going to go for maximizing UR value and will settle for 1.25 cents per point through 20% off UR travel, then you may be better off earning more points with something like an Arrival+.
If you redeem for 20% off travel, then the CSP acts like a 2.5% cash back card for travel and dining, and a 1.25% card for everything else. Even the no-AF Arrival has 2.2%* on travel and dining, and 1.1%* on everything else. For me, that difference in rewards probably wouldn't justify a $95 AF.
*Edit: Technically, the Arrival cards do earn slightly more, but I won't get into that here. 2.2% and 1.1% are close enough to the real figures to illustrate my point.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt, SPG
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech