CSP & AMEX GOLD

[Anonymous]

Hi, 

I've had both the amex gold and CSP for a while now. I was wondering if anyone can help me out whether it makes sense to use both the amex gold and/or CSP at the same time or close one account? I want to maximize both cards to make the annual fee worth it..

I also have the chase freedom unlimited as I would like to use that along with the CSP to get some major cash back. 

Thanks 

[simplynoir]

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@Anonymous wrote:

Hi, 

I've had both the amex gold and CSP for a while now. I was wondering if anyone can help me out whether it makes sense to use both the amex gold and/or CSP at the same time or close one account? I want to maximize both cards to make the annual fee worth it..

I also have the chase freedom unlimited as I would like to use that along with the CSP to get some major cash back. 

Thanks 

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Think you just answered your own question there. Drop the Gold and keep the CSP/FU combo you have. MR points are horrible for cash redemptions unless you have the Schwab Plat. With UR points they're a flat 1ct/pt if you redeem for cash. Just use CSP for dining/travel and FU for everything else.

[longtimelurker]

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@simplynoir wrote:

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@Anonymous wrote:

Hi, 

I've had both the amex gold and CSP for a while now. I was wondering if anyone can help me out whether it makes sense to use both the amex gold and/or CSP at the same time or close one account? I want to maximize both cards to make the annual fee worth it..

I also have the chase freedom unlimited as I would like to use that along with the CSP to get some major cash back. 

Thanks 

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Think you just answered your own question there. Drop the Gold and keep the CSP/FU combo you have. MR points are horrible for cash redemptions unless you have the Schwab Plat. With UR points they're a flat 1ct/pt if you redeem for cash. Just use CSP for dining/travel and FU for everything else.

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But also, if cashback is really what you want, close both Gold and CSP to remove the AF, and get one of the free 2% everywhere cards.

[wasCB14]

And consider the CSR. Depending on your account age, you may be able to PC your CSP to CSR.

Or PC your CSP to a 5x Freedom (not the Unlimited). Some people have reported this as a complex process. You might be eligible for a bonus on CSR as a new account.

CSR offers better rewards and travel protections than CSP for a net AF that is only moderately higher.

[Anonymous]

I might consider doing that 

[Anonymous]

I did forget to mention that I do also travel and eat out a lot. So I'll take airline trips sometimes throughout the year, and I always take the subway. 

[NRB525]

So, is your reference to “cash back” only generalized, what you mean to say is “travel rewards” ?

[RicHowe]

I have both CSP and AMEX Gold as well.

I use AMEX Gold for 4X MR Points for Restaurant/Grocery Spend and Airline credit.

I use CSP for Primary CDW when renting cars, Citi Access tickets and such.

For me, both cards suit their purpose. But I'm also more of a MR person who derives benefit from the AMEX program.

[simplynoir]

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@NRB525 wrote:
So, is your reference to “cash back” only generalized, what you mean to say is “travel rewards” ?

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This. OP is confusing me now.

[Anonymous]

calculate your points yourself here https://www.thepointcalculator.com/Home

you are asking people to make a decision for you without knowing how you spend, its usually not a good way to make a decision.