CSP $95/125 AF?

[Incredulous]

I was lurking through flyertalk forums when I noticed some people posting about a $125 AF version of the CSP. Are the benefits for this one any different from the $95 programme?

[09Lexie]

The sign up bonus is higher with the $125 AF. 

[Kenny]

Sounds terrible if you plan on keeping it after the sign up bonus.

[wHiTeSoL]

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@KennyS2006 wrote:
Sounds terrible if you plan on keeping it after the sign up bonus.

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True but awesome if you were planning on cancelling before the year is up anyways. (DW will cancel when I pick mine up next year)

[longtimelurker]

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@KennyS2006 wrote:
Sounds terrible if you plan on keeping it after the sign up bonus.

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Not really.  The additional bonus was 10K UR.  As some people value a UR around 2c, this is $200 extra, and the annual fee is $30 more.   So from that view, keeping it for 6 years would still leave you ahead.

[Incredulous]

It's seems so strange to me that they would have another version of the card with the only difference being the AF and signup bonus!

[longtimelurker]

Might be a marketing trial to see if people will pay the increased fee.

[FinStar]

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@longtimelurker wrote:

Might be a marketing trial to see if people will pay the increased fee.

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+1

All lenders will experiment at one point or another with a variety of products.  Not surprisingly, individuals will either see a value or simply apply for them.

[Kenny]

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@longtimelurker wrote:

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@KennyS2006 wrote:
Sounds terrible if you plan on keeping it after the sign up bonus.

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Not really.  The additional bonus was 10K UR.  As some people value a UR around 2c, this is $200 extra, and the annual fee is $30 more.   So from that view, keeping it for 6 years would still leave you ahead.

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Well, you go ahead and have fun doing that.

[FinStar]

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@KennyS2006 wrote:

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@longtimelurker wrote:

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@KennyS2006 wrote:
Sounds terrible if you plan on keeping it after the sign up bonus.

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Not really.  The additional bonus was 10K UR.  As some people value a UR around 2c, this is $200 extra, and the annual fee is $30 more.   So from that view, keeping it for 6 years would still leave you ahead.

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Well, you go ahead and have fun doing that.

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For anyone with disposable income, and as longtimelurker pointed out, the $125 AF is really a drop in the bucket and still retaining a positive value on the card in the long term.