Do I need CSP if I have Chase Ink?

[shinedown87]

I am finishing up my first year with the CSP and the annual fee will be due soon. I applied for the card as a companion to my Chase Freedom after reading here of the advantages of transfering UR points directly to airlines. I rarely use my CSP (I don't even carry it in my wallet). Since then I have started a business and now have the Chase Ink credit card.

Would the Chase Ink allow me to transfer UR points directly to airlines like my CSP does? If I book travel through UR, do I still get the 20% discount? If so, I guess it would be best to downgrade the CSP to the no-fee version since the 2x UR points on travel and dining aren't important to me? Anything else that I might be missing?

[takeshi74]

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@shinedown87 wrote:

Do I need CSP if I have Chase Ink?

That's really your call to make based on your needs/wants/etc. I currently have both and intend to keep both as they both fill different niches.  YMMV.  Cards aren't one-size-fits-all.  It's impossible for us to tell you if you need it or not as we don't know all these details about you.  From what you've posted so far it doesn't sound like it but we can only go on what you've told us.

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@shinedown87 wrote:

Would the Chase Ink allow me to transfer UR points directly to airlines like my CSP does? If I book travel through UR, do I still get the 20% discount?

Depends on the specific version you have. Details are on the Chase site and the paperwork they sent you. Refer to: https://www.chase.com/online/business-credit-cards/ink-cash-card.htm You can click on the different cards at the top and see the benefits below.

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@shinedown87 wrote:

Anything else that I might be missing?

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No idea.  Review the terms and benefits of the CSP to see if there's anything else that might be important to you.

[scenery_guy]

On the Ink Classic, Plus and Bold you can make the 1:1 transfers. The Ink Cash does not allow it but technically collects same UR points - it's primarily the "cash back" business version except you have to request the cash back or sit on the UR points and transfer to another Ink card or CSP account then make the transfer. 

So yes, you could close the CSP and still make transfers from the Ink cards except  Cash. Make sure you open the Ink card of your choice first, then let it show up on your list of accounts then transfer the points out of CSP. 

Yes the 20% does apply with the Ink cards. 

[shinedown87]

Thanks all. I just checked and my Ink is the Chase Ink Plus World Elite, so it looks like I will get the 1:1 transfer and the 20% discount on travel booked through UR.

[CreditScholar]

The only time I would keep both is under one of two circumstances:

1. You only want to use your Ink for business-related purchases

2. Your spending on CSP bonus categories is high enough to offset the AF. At 2cpp, you'd need to be spending 5k in travel/dining which isn't that hard to do.

From a pure transferability standpoint, the Ink Plus offers the same ability as the CSP, JPM Palladium/Select, etc.