Chase CSP to CSR upgrade??

[barthooper]

IMO it's worth it even without the SUB due to the higher earning on travel and 1.5x multiplier via buying through the UR portal if you're not going to transfer to travel partners. The CSR's fee is barely more than the CSP when factoring in the travel credit (making it $150) which is extremely versatile and tolls or parking garages count for it as well in most cases.

[Anonymous]

If you travel or dine out at all, it's worth it.

Basically the difference in the two cards is $55 a year; counting global entry it's $35 a year.  Not even counting the different redemption rate at the chase portal that you wouldn't have access to with the CSP, $35 is ~2333 a year on travel and dining (or <$200 a month).

[wasCB14]

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@Anonymous wrote:
Do you think it’s worth it to upgrade? I have decent travel and dining spend. I’ll use all benefits except overlap with Amex Hilton on Priority pass.

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Which one do you have...Surpass, Aspire, or the Hilton Business Amex?

[Anonymous]

Aspire.

[wasCB14]

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@Anonymous wrote:
Aspire.

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How you value Hilton points vs. URs is also worth considering.

Flights, car rentals, and restaurants earn 7x with Hilton Aspire. I'd much rather have 3x URs and might even take 2x URs, but I very rarely stay at Hilton.

[Anonymous]

Agreed. I think I’ll call Amex and see if they’re willing to give me a retention offer when my card renews in February. If they don’t give me an offer or it’s not worth it, I’ll downgrade to the no annual fee card and upgrade my CSP to keep travel benefits.