i myself isn't a huge spender to be able to rack up massive points annually. my annual spend probably barely justifies the CSP's AF. heck, i will barely make the required spend for the signup bonus (will meet it though). but i've decided that i will keep the card because even though im not a big spender, DW and i do like taking the kids to eat out several times a week and take them on mini-holidays throughout the year. and every couple of years, we usually fly out of the country to visit her family. and i my CSP will be my go to card for all of these. of course will adjust the use of cc depending on what needs to be purchased (airline cc for airfare, etc). so even though i can't charge huge sums of money on the card the earn a gazillion points each year, in my head, im thinking i will benefit from it in the long run from what i'm going to use the card for.
but that's just me though 
I can get as many as UA miles i want at 2.1-2.3 cent, so each ur ponts worth 2.2 Cents to me, exactly same as Barclay's earning
EX819 1HP|TU797 1HP| EQ(Fico8 BankCard)841
@TravellingNomad wrote:i myself isn't a huge spender to be able to rack up massive points annually. my annual spend probably barely justifies the CSP's AF. heck, i will barely make the required spend for the signup bonus (will meet it though). but i've decided that i will keep the card because even though im not a big spender, DW and i do like taking the kids to eat out several times a week and take them on mini-holidays throughout the year. and every couple of years, we usually fly out of the country to visit her family. and i my CSP will be my go to card for all of these. of course will adjust the use of cc depending on what needs to be purchased (airline cc for airfare, etc). so even though i can't charge huge sums of money on the card the earn a gazillion points each year, in my head, im thinking i will benefit from it in the long run from what i'm going to use the card for.
but that's just me though
if you don't spend a lot, there are many other cards that will benefit you more, in both the short and long term.
there's really no point in accumulating points over several years. devaluations happen every 2-4 years. therefore with a small spending, and constant devaluations going on, you may never have enough points for that "dream" vacation.
@enharu wrote:
@TravellingNomad wrote:i myself isn't a huge spender to be able to rack up massive points annually. my annual spend probably barely justifies the CSP's AF. heck, i will barely make the required spend for the signup bonus (will meet it though). but i've decided that i will keep the card because even though im not a big spender, DW and i do like taking the kids to eat out several times a week and take them on mini-holidays throughout the year. and every couple of years, we usually fly out of the country to visit her family. and i my CSP will be my go to card for all of these. of course will adjust the use of cc depending on what needs to be purchased (airline cc for airfare, etc). so even though i can't charge huge sums of money on the card the earn a gazillion points each year, in my head, im thinking i will benefit from it in the long run from what i'm going to use the card for.
but that's just me though
if you don't spend a lot, there are many other cards that will benefit you more, in both the short and long term.
there's really no point in accumulating points over several years. devaluations happen every 2-4 years. therefore with a small spending, and constant devaluations going on, you may never have enough points for that "dream" vacation.
Hopefully we use the points in time before the next devaluation. Wife wants to take a family trip either to Australia or Philippines sometime next year. With the CSP, i plan on keeping it at that level for two years. Dont mind paying the first AF hit. Believe it or not...thats how long i allow myself to see if a cc is worth it for me to keep or not. In the past ive just close it down. i never knew one could downgrade his cc until becoming a member here. With that said...if after using whatever points we accumulate for our planned major trip i dont see it working for me anymore, i will pc to the no AF version.
But can you tell me what cards you think may work for me?