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Congrats!
You'll want to PC to CSR no doubt. It's really only $55/year more in annual fee as long as you use the travel credits, etc. But CSP is a great way to cache up some URs until you do!
Congrats! Enjoy the freedom and continue to do well.
@Anonymous wrote:
Congrats on both cards. I had the same two on my wish list this year. I would definitely PC to the CSR next year. The $450 immediately goes to $150 with the $300 travel credit every year. On top of that you also get a few other benefits that easily justify the extra $55 you will spend over the CSP.
Definitely. I have yet to meet anyone who has a CSP who should stick with CSP after doing a fast napkin math analysis. Even those who only travel once or twice a year appear to be able to make it worthwhile because of the higher earn rate and higher redemption rate.
I'd say theoretically the only folks who should stay with CSP are those with almost no travel or dining spend. 3X on dining (4.5% towards travel) means $2750 a year spent on dining covers the $55 difference in fees. So if you spend $230/month average on travel+dining combined, CSR wins -- assuming you spend at LEAST $300 annually on travel to use the free redemption credit.
It isn't complicated math, so sticking to CSP is leaving money on the table for almost everyone but the rare few who stay at home and never eat out!
Congratulations!!
Be patient on the AMEX. If you want the 3X CLI, I would recommend for you to read the following http://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/td-p/18110...
It has LOT of good information.