We use the CSR, CSP, and Biz Ink cards. Spend $120K+/ yr on them while trying to maximize points e.g. 5x gift cards at office supply stores w/ Ink, CSR dining/travel, etc. The main benefit for us has been using the CSR travel portal at 1.5x points to fly family/friends to visit us and each other which is mostly int’l. My CSR will renew at $550 shortly. The new paradigm is too annoying to contemplate. With that, if I keep it as is, it looks like I might still benefit with 1-2 $1-$2K flights / year which would cover AFs (only a cursory analysis).
My question is even with the degradation of point value (1.5x travel multiplier going away and just realized the 3x dining is going away as well), what am I missing? With our type of spend and use of the rewards (travel), do I totally nix Chase UR and if so, what is the simpler and more valuable program to move to?
Thinking a bit more, let’s say I realize $3-$4k in travel between points and multipliers currently. I see many pushing to 2% cash back cards that would likely realize a similar return.
To further complicate the issue (or just delay a year), I will NOT renew CSR at $795 in 2026.
Thanks in advance to those who have done the hard analysis!
Edit I earn Marriott/Hilton points and AA/OneWorld miles via work travel so the flights via the travel portal are my biggest benefit.
Are Chase UR no longer worth it? Do I switch my whole CC strategy?
byu/WheresPapa inCreditCards
Posted by WheresPapa
7 Comments
I’m moving to Team Cashback. Points have gotten extremely difficult to use and/or bad redemptions besides Hyatt.
In all honesty, buying the cheapest flight / or flight that works best with my schedule is a much easier decision than having to search for hours for a good points redemption. Points that are sitting in your account are losing value and could’ve been spend elsewhere immediately or in your brokerage.
1. 3x dining is not going away
2. 1.5x multiplier still valid for points earned before Oct 26 2025 until 2027
Given you’re renewing at $550, can you find $250 in value in the new credits over a year?
Assuming you could, I’d let it renew and prioritize burning any existing point balances, then downgrade/cancel after your first $795 renewal.
The 3x dining is not going away. But yeah for you sounds like a premium travel card is not worth it
$1k-$4k on flights a year is definitely not enough on its own to justify the CSR (before or after refresh) over a cheaper card
You mention nothing about using any of the card’s benefits other than the (cancelled) 1.5x, or any transfer partners. Those would be the reason to keep it
3X dining is still a thing, so that’s not a concern. You’ll lose the broad 3X travel multiplier but get a 4X airfare and hotel multiplier – that might be a net gain or a net loss, depending on how much you spend on those vs other travel spend.
Chase replaced the 1.5cpp broad travel redemption with a 2cpp redemption on only some hotels and flights. You can shop within the portal and try to find those options but it does make things harder. Outside of that, Chase points are still really valuable when transferred, especially to Hyatt. No one else that I’ve seen has easier paths to better than 1cpp of value.
BoA might be a good option if you have $100k you’re willing to invest with them to get Platinum Honors.
I already started my transition to team cash back. Waiting to use my $50 hotel credit on my CSP next week, when it renews, so I can then downgrade the CSP and get my full annual fee refund.
I’m sitting on 1.5 million points. I pretty much only travel to Japan and domestically. I have a flexible schedule but still found it hard to find good redemption to use for business/first class over the last 4-5 years. I plan to just dump it all at 1.5c/pp through the portal and just cancel the card after.
Swapping to team cashback via BofA PR / CCR fidelity and venture X for lounge access since I fly into DCA/IAD often.