I have been having this internal debate for a little while… I love the Amex Gold and use it for all my dining spend and grocery spend, and love the 4X. I also have Bilt and CSP, along with CFU. I use Bilt for rent mostly, and use CFU as a catch-all, but don't really use CSP for much. But, for booking flights, I've seen a lot of luck with UR points via JetBlue. I like to do a lot of domestic travel.
So, now, I am trying to decide: as someone who easily uses all of the Amex Gold credits, should I value 3x points on CSP more than 4x points on Amex Gold for dining? I spend around $600/month on dining, and around $200/month on groceries. I could use the Amex Gold as a primarily grocery card (other than the credits), and start using CSP as my dining card.
What are people's thoughts on this? Amex and Chase points are valued very similarly, but do some people still lean to use Chase more? Thanks!
For 2026: Amex Gold 4x Dining vs CSP 3x Dining?
byu/unpaul inCreditCards
Posted by unpaul
9 Comments
Chase has been nerfed into the ground. Amex is better in every way, and I find it hard to imagine people justify Chase over AMEX atp.
I wouldn’t hold any Chase card with an AF.
Honestly I’d stick with the Gold for dining – that extra 1x adds up fast with $600/month spend. You’re looking at an extra 7200 MR points per year just from dining alone
If you really want more UR points just put some other spending on the CSP instead of moving your best earning category
> do some people still lean to use Chase more
Chase UR valued over Amex MR primarily because of Hyatt transfers, for those that use them. To a lesser extent due to United transfers (which can often be accomplished via United partners with Amex MR).
As for JetBlue, Amex to JetBlue is 5:4, but if you’re getting 33% more dining points with Gold vs CSP, that makes up for it and more.
The biggest determination factor of this are transfer partners. Points are useless if you can’t find a place to use them. I currently have CSP, checked AMEX partners and to be honest, I could not think of a place to use them.
I agree though, CSP kind of sucks now. I’m looking forward to BILT 2.0! Also, check citi if you haven’t already
The CSP only has 3x for online groceries which is stupid. Pair the Amex with Rakuten and you will get points quickly
Depends on the redemptions you want to do.
You can do the comparison yourself on [https://www.richwithpoints.com](https://www.richwithpoints.com) based on your spend. It’s probably going to depend on whether or not you use the Gold’s credits, and if you want to transfer points to Hyatt.
People who want to use different credit cards for different purchases (minmax) can get 3% using cash back for free -or- 5% on the first $500, so with minmaxing purchases I think cash back always comes out ahead. ( https://www.reddit.com/r/CreditCards/wiki/best_cash_back_cards_by_category )
A wide variety of dining-type purchases might count sometimes as dining on a Bank of America Customized Cash, Citi Custom Cash or Chase Freedom Unlimited that might not always count as dining with American Express from what I’ve seen.
Some people compare credit cards credits to a coupon book, but when I was in school the coupon books we sold provided *actual discounts* which these credit card credits don’t seem to offer.
This is why (even though I don’t minmax) I think cash back is likely optimal for minmaxers.
Does that all make sense?
It looks to me like JetBlue points transfer from Amex at 250:200
200/250=0.8
0.8×4=3.2
So the Amex is 3.2 JetBlue points and not 4