Hi all,
Just want to get your thoughts on how to maximize my value for the current cards I have on rotation (ones with highest limits)
I have the
CSP, 18.5k
Chase Freedom Flex, 11.4k
Navy Fed Flagship, 20k (opened this month)
These are the main cards I keep in rotation and want to maximize my points back. Want to know everyone’s thoughts on how I should spend based on travel, groceries, gas..basically anything you use it for, I want to know any tips or tricks people have..or if I should stick to one company mainly and just have to the others to increase my total borrowing power.
Maxing out value CSP and Navy Fed flagship rewards
byu/Substantial-Knee3882 inCreditCards
Posted by Substantial-Knee3882
2 Comments
The flagship is solid for dining and gas stations, 3x points there is nice. CSP gets you the 2x on travel and dining which stacks well if you’re booking through the portal
I’d probably use the flex for rotating categories when they’re good (like grocery stores when that comes around) and flagship for everyday dining/gas. CSP for any travel bookings or when you want the transfer partners
One thing tho – don’t get too caught up in point chasing if you’re not actually traveling much. The navy fed flagship has decent redemption options even if you’re just doing cashback. Sometimes keeping it simple beats trying to optimize every purcahse
Honestly, I think it’s kinda easy to know where to use which card.
Right now as for Q2 2026:
CSP:
● 3X Dining (3.1X)
● 3X Online groceries (or those that have an app and you can pay in person like Whole Foods I believe)
● 3X Streaming
● 2X Transit and Travel (Good protections)
● 5X Chase Portal
● Use your Doordash credits and subscription.
CFF:
● 5X Amazon
● 9X Chase Travel (less protections)
Basically you don’t carry it this Q2.
Flagship:
● 2% Catch All for anything that isn’t mentioned before.
● Cheaper Amazon Subscription
It’s true what both CSP and Flagship earn 2% back in Travel, but you could potentially get more than 2% if you use your points in Chase Portal or transfer partners.
Unless you are going to an amusement or need to spend certain amount of money to redeem your cashback from Flagship, then you could use it for Travel.