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CSP better for dining spend than Forward?

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icyhot
Valued Contributor

CSP better for dining spend than Forward?

Is 5 TYP really better than 2 UR? I don't seem to use my TYP for anything besides select and credit, and that doesn't seem to have a high redemption value. UR seems to have way better transfer partners that I actually use (Amtrak, Marriott). Would the CSP really be suboptimal for dining against the Forward, especially when I put all my travel spend on the CSP too?
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 1 of 32
31 REPLIES 31
Anonymous
Not applicable

Re: CSP better for dining spend than Forward?


@icyhot wrote:
Is 5 TYP really better than 2 UR? I don't seem to use my TYP for anything besides select and credit, and that doesn't seem to have a high redemption value. UR seems to have way better transfer partners that I actually use (Amtrak, Marriott). Would the CSP really be suboptimal for dining against the Forward, especially when I put all my travel spend on the CSP too?

I'd still keep it.

Message 2 of 32
Anonymous
Not applicable

Re: CSP better for dining spend than Forward?


@icyhot wrote:
Is 5 TYP really better than 2 UR? I don't seem to use my TYP for anything besides select and credit, and that doesn't seem to have a high redemption value. UR seems to have way better transfer partners that I actually use (Amtrak, Marriott). Would the CSP really be suboptimal for dining against the Forward, especially when I put all my travel spend on the CSP too?

Do you have a Premier/Prestige?    If not, and you redeem UR for travel, then using CSP for dining might be better, as without the higher cards, the TYP are worth a max of 1c.  So if your redemptions give you more than 2.5c per UR, use that instead.

Message 3 of 32
leoment
Frequent Contributor

Re: CSP better for dining spend than Forward?


@icyhot wrote:
Is 5 TYP really better than 2 UR? I don't seem to use my TYP for anything besides select and credit, and that doesn't seem to have a high redemption value. UR seems to have way better transfer partners that I actually use (Amtrak, Marriott). Would the CSP really be suboptimal for dining against the Forward, especially when I put all my travel spend on the CSP too?

In my opinion, yes.  If you select methods of redemption that give you 1cpp (like SL/Mortgage checks), it's value becomes much more clear.  I even considered getting the prestige card (which I truly don't need) because it would've boosted my redemption from 5% to 8% when used on AA flights!

800+ across all three (via FAKOs) has been achieved! Current goal - Get down to 6 cards in total - sitting with 8 currently.
Message 4 of 32
icyhot
Valued Contributor

Re: CSP better for dining spend than Forward?

No I don't have a premier or prestige, I'm leaving room for one more AF card in my portfolio an it'll be a hotel card. Nixon, I'm still keeping it, just will move the main spend to another card
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 5 of 32
rlx01
Established Contributor

Re: CSP better for dining spend than Forward?

5 TYP could be worth 50c in the dollar with the right redemption.

2 points for dining is available on pretty much every card. Premier/Prestige, PRG from June 1, etc etc. The CSP is still a great card, but there's now plenty of competition.

I'd be all over a Forward.
Message 6 of 32
icyhot
Valued Contributor

Re: CSP better for dining spend than Forward?

Yeah but I've pretty much used all my TYP.....I have 167 now.....itd be forever to spend to reach a good amount. Plus I have an AF on the CSP, might as well spend more on that one
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 7 of 32
Pitt570
New Contributor

Re: CSP better for dining spend than Forward?

i have been using my csp for everything since my wife and i make a trip to hawaii every year i try to get as many points as i can through the year we always used hers until i just got mine over a month ago and i personally if you like to travel this is the go to card my thoughts

PSECU $20k | Navy cash rewards $22K | Navchek $15k | BBVA NBA 4.5K | Discover it $1.5K I Chase CSP $12.5K | Cabelas Visa $1K | Chase Slate $3.5k | Lowes $20k || Paypal SC $2K Home depot $8K |Chase united mileage plus explorer 17K | PenFed Promise 12.5K | PenFedPlatinum 20K | Navy Go rewards $4.5K
Message 8 of 32
rlx01
Established Contributor

Re: CSP better for dining spend than Forward?

I don't really know why the AF changes anything, but it's up to you. Smiley Happy

I'll trade you the Forward for something else Smiley Wink
Message 9 of 32
icyhot
Valued Contributor

Re: CSP better for dining spend than Forward?

Cuz you know you gotta get enough rewards to "justify" it, so they say. Lol.
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 10 of 32
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