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Now that I've even done more research between the 2 - I wasn't thinking of applying for both because of some overlap of benefits... right?
I like the concierge service of the Palladium - but I don't think it offers better reward points than the CSP... am I correct in that assumption?
If I get both, then I get to have both feed into UR, right? I get to also utilize CSP initially because of the 40,000 bonus points after first $3K spending. The Palladium, on the other hand, requires 100K spending to get 35,000 points - I don't spend that much per year so that's a moot point for me.
Plus, CSP has no annual fee the first year...
Not sure if this is a viable option of applying for both - but if I were to apply to only one, would you go for the Palladium or the CSP?
Thanks!
If you don't spend $100k+ per year, I don't think the palladium is for you.
@Dustink wrote:If you don't spend $100k+ per year, I don't think the palladium is for you.
Agreed.
What would be the purpose of the Palladium card for you? Do you fly internationally in premium cabins frequently (if not, but it is your goal, you'll get there faster with CSP+Freedom+Ink or Bold...you can open chase checking as well to get further bonus UR points)? Do you fly privately often? What exclusive experiences are you looking to book via concierge? Do you fly BA in full-fare J often? Are you in an industry which legitimately requires you to impress clients by pulling out a card made of palladium?
If the answer to the majority of those questions was no (and since you charge less than 100K a year, I'm going to guess thats the case), then you're better off with CSP, Freedom, Ink or Bold, and checking. You definitely don't need both CSP and Palladium.
It sounds like the CSP is certainly the card that works better for you. The Palladium is a fine card but geared towards upper end spenders that doesn't sound like you've gotten to that level yet. (not picking, your way ahead of me!)
Plus, as heavily debated here, you can't just apply for Palladium. You need to have a private banking relationship and your private banker faxes the app in for you
Thanks guys - I read everything on my other thread... but the other thread did not discuss CSP.
The one thing I like about the Palladium is that it has concierge services for reservations and I like that I can go into private lounges at airports. We do quite a bit of domestic (and Maui) travelling, but not so much international. We do not fly private jets. Our expenses probably hit around $50-60K a year on credit cards alone... but not $100K to hit the 35,000 point bonus. I can stomach the $595 AF, but prefer a smaller fee of course.
I'm just not sure what the Palladium offers on top of the CSP other than the concierge and lobby access/united access.... aside from the flash of the Palladium card itself.
@a3quit4s wrote:Plus, as heavily debated here, you can't just apply for Palladium. You need to have a private banking relationship and your private banker faxes the app in for you
Yes, I know that already - I am a Private Client at Chase.