CSP vs. United

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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cowboycredit
 
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CSP vs. United

Postby cowboycredit » Sun Jul 28, 2013 8:47 pm

Hey guys,

So I travel a decent amount for work and have racked up some United miles (70,000). I'm looking for another card and it makes sense to have one where I can add to my existing miles. Should I apply for the CSP or the United Explorer card? What are the benefits of each?

I'm 23 and have a pretty young credit history (14 months). I have a Chase Freedom with a $600 CL and a Capital One Platinum with a $750 CL. My Ex score is around a 700. Would I be able to even get one of these cards?

Thanks for the help.


takeshi
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Postby takeshi » Mon Jul 29, 2013 3:27 pm

cowboycredit wrote:Should I apply for the CSP or the United Explorer card? What are the benefits of each?

You should apply for the one that sounds like the best fit for you. Details for both are on the Chase site. In a nutshell the CSP's UR points are more versatile and can be transferred 1:1 to United but the United MPE offers benefits on United that the CSP does not and a 10K mile bonus for $25K spend in a calendar year. I find both useful. You may have difficulty getting approval for either with your current CL's.

agp
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Postby agp » Mon Jul 29, 2013 5:14 pm

CSP earns UR points, which are more versatile. UA earns UA miles, so what you earn is locked in with UA. Also keep in mind that (if you spend enough money) the annual fee on the UA card can be waived, CSP, however, 99% of the times cannot.

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cbkhor
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Postby cbkhor » Mon Jul 29, 2013 5:42 pm

agp wrote:CSP earns UR points, which are more versatile. UA earns UA miles, so what you earn is locked in with UA. Also keep in mind that (if you spend enough money) the annual fee on the UA card can be waived, CSP, however, 99% of the times cannot.


How much would "enough money" be? Is this an automatic waiver for annual fees or would you need to call the Chase representatives?

Thanks.
---
AMEX BCE - $10000
Chase Freedom - $2600
Discover IT - $3900
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Citibank Diamond Preferred - $3500
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Z06Biker
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Postby Z06Biker » Mon Jul 29, 2013 7:37 pm

Another perk of the United Explorer card is the free baggage allowance, and primary auto insurance (most all other credit cards only offer secondary). And since you already have the Freedom with it's rotating 5x earning categories, I'd say you already have it figured out. Freedom for the points, CSP or Explorer for the conversion to UR points.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
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Wells Fargo Business Platinum
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djrez4
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Postby djrez4 » Mon Jul 29, 2013 9:47 pm

Z06Biker wrote:CSP or Explorer for the conversion to UR points.


To be clear, the Explorer doesn't allow you to convert UR points.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

agp
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Postby agp » Tue Jul 30, 2013 5:34 pm

cbkhor wrote:How much would "enough money" be? Is this an automatic waiver for annual fees or would you need to call the Chase representatives?

Thanks.


It is different for everyone. I used to spend $25,000 annually on the UA card alone, half of which from UA flights, and had 100% success rate of getting the fee waived. However, I have seen less spending and waived annual fee, and/or bonus miles at anniversary. You must call CSR, if you don't get anything the first time, try again.

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cowboycredit
 
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Postby cowboycredit » Tue Jul 30, 2013 7:34 pm

Thanks for all of the replies, helped a lot.

I ended up applying for the CSP and got approved today for a 6.2k CL . Really pumped!

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Z06Biker
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Postby Z06Biker » Wed Jul 31, 2013 4:35 pm

djrez4 wrote:To be clear, the Explorer doesn't allow you to convert UR points.


Good to know! My bad!

And congrats to the OP - enjoy and use wisely!
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
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