CSP vs CSR, both or one?

Anonymous · ‎08-21-2016

At this point, is it even worthwhile to have a CSP along with a CSR? It looks like CSR is better in every single category, minus the slightly higher annual fee (95 vs 150). What do you guys think? For those with CSP applying for the CSR, what are you planning to do with your CSP?

Anonymous · ‎08-21-2016

C$R AF is $450.

NRB525 · ‎08-21-2016

@Anonymous wrote:
C$R AF is $450.

C$R wide-ranging travel credit is $300. If you were going to spend $300 on various hotels and flight snacks anyway, it's prepaid in that case.

Plus the 3 UR points instead of 2 with CSP

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Anonymous · ‎08-21-2016

Depends on your spending. If you travel a lot then it makes sense to have CSR and not CSP. If you think $450 is too much to pay for the 2nd year, then you can downgrade to CSP.

I think just get either CSP or CSR. You don't need both.

BeeH11 · ‎08-21-2016

I would not suggest having both. If you can justify the AF and use the benefits of the C$R then I would go with that one. If you don't travel that much, maybe the CSP if better for you.
I plan on applying for the C$R and downgrading my CSP to a FU. Eventually I will get the Freedom as well but have to wait for another new account to fall off (I'm 4/24 right now).

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jsucool76 · ‎08-21-2016

I'd suggest both for year one, if you can meet minimum spend for both bonuses. Then downgrade the CSP to a FU, and also have a regular freedom. Max earning potential.

Anonymous · ‎08-21-2016

@jsucool76 wrote:
I'd suggest both for year one, if you can meet minimum spend for both bonuses. Then downgrade the CSP to a FU, and also have a regular freedom. Max earning potential.

Best response.

DaJagman · ‎08-21-2016

Hopefully I can get approved and depending on my SL I can convert my CSP to Freedom and maybe move some of my credit line over if needed

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kdm31091 · ‎08-21-2016

@jsucool76 wrote:
I'd suggest both for year one, if you can meet minimum spend for both bonuses. Then downgrade the CSP to a FU, and also have a regular freedom. Max earning potential.

Well, looks like OP already has the CSP, so this is more a question of keeping both in the long run.

There's nothing CSP does that CSR cannot do so if you get CSR I'd close or PC the CSP.

Anonymous · ‎08-21-2016

@kdm31091 wrote:
@jsucool76 wrote:
I'd suggest both for year one, if you can meet minimum spend for both bonuses. Then downgrade the CSP to a FU, and also have a regular freedom. Max earning potential.
Well, looks like OP already has the CSP, so this is more a question of keeping both in the long run.

There's nothing CSP does that CSR cannot do so if you get CSR I'd close or PC the CSP.

+1