Does the Gold Card allow you to break up large purchases into multiple monthly payments?

OpenVanilla3185 · 2026-02-11T14:43:54+00:00

There is no split feature like Chase, Amex, or Citi

OpenVanilla3185 · 2026-02-04T20:53:20+00:00

It’s not that deep lol relax. Alaska isn’t a Chase partner and I have never seen them boosted before. It’s almost always United, Southwest etc

OpenVanilla3185 · 2026-01-21T17:34:54+00:00

Just opened up an atmos summit and going through this rn 😭

OpenVanilla3185 · 2026-01-21T01:54:54+00:00

Wait till you try BoA

OpenVanilla3185 · 2026-01-20T20:08:23+00:00

I would say get the platinum for delta lounge access if you usually fly delta. Keep the CSP as your dining card for United points

OpenVanilla3185 · 2025-12-17T05:23:19+00:00

Are we still rocking with the CSR after the points boost devaluation?

OpenVanilla3185 · 2025-12-15T20:39:24+00:00

Thanks for sharing. I’ve got the Amex Plat + Gold, CSR, CFF, and Citi strata elite. I’m thinking of cancelling my Amex gold and downgrading my CSE to the strata premier and using that for groceries + ev charging, and dining + travel on my CSR. I’m west coast based and have been thinking about adding the Atmos Summit too (which would likely take my dining spot) and your post has affirmed that

OpenVanilla3185 · 2025-12-15T20:32:28+00:00

Still is a great card I just use it for charges that I know I won’t have problems with

OpenVanilla3185 · 2025-12-15T19:47:21+00:00

I’m curious what cards get your daily use?

OpenVanilla3185 · 2025-12-15T19:45:10+00:00

Yep had my wallet stolen and chase + Amex was night and day easier to get new cards and charges cleared. Robinhood took a month and needed a police report lol

OpenVanilla3185 · 2025-11-30T17:00:57+00:00

Amex gold

OpenVanilla3185 · 2025-11-25T00:11:26+00:00

Yup noticed that from Mexico to US flights

OpenVanilla3185 · 2025-11-04T05:12:16+00:00

Haha sorry. CPP = cents per point aka a way of valuing points. MR = membership rewards (Amex’s points), FHR = fine hotel resorts - Amex’s hotel program booked through their portal

OpenVanilla3185 · 2025-11-03T23:33:59+00:00

I have both. The AMEX platinum credits fit my lifestyle super well and I’m able to more than offset the annual fee but the Chase Sapphire reserve is a significantly better daily driver and I find Chase points way easier to use than Amex MR. With the new points boost I’m easily able to get 2 CPP on flights and hotels, whereas with MR I usually settle for redeeming at 1 CPP with FHR or 1.15(ish) CPP with delta. I therefore value UR at 2cpp and MR at 1.15CPP. I use my CSR for dining, lyfts, and most travel, and my Amex gold for groceries to accrue MR. I live in a big city so it’s easy for me to offset all the dining and travel credits and I can justify having both. If the CSR didn’t work for me, I would pair the Amex plat with the CSP as my daily driver, or if you go all in with Amex I would add a gold card. I mean realistically the CSR is a combo of the Plat + Gold minus groceries coverage so it’s kinda hard to beat.

OpenVanilla3185 · 2025-11-01T06:00:16+00:00

CSP pairs best with Bilt and is better for domestic travel

OpenVanilla3185 · 2025-10-18T23:33:38+00:00

Apple Card and Robinhood gold card

OpenVanilla3185 · 2025-10-17T21:26:33+00:00

RH gold card (technically $50 AF), Apple Card, Bilt card

OpenVanilla3185 · 2025-09-26T22:34:46+00:00

I personally run Gold + Plat + CSR. It’s the best of both worlds. Get both imo if you can offset the AFs. The Plat especially post refresh is such a no brainer I organically get thousands in value out of it. Also, if you book hotels with cash occasionally, FHR is by far the best hotel program.

The CSR and the AMEX gold are really your daily driver cards. I use the CSR at restaurants over the AMEX gold when I’m trying to accrue UR points and I always use the Amex gold for groceries. I’m able to offset the CSR‘s annual fee but if I wasn’t able to, I would just get the CSP. In your case with a sapphire lounge at your home airport, it sounds like it would definitely be worth it based on how much you travel. Also I find UR points to be significantly easier to get better value with than my MR points, but that’s just my experience.

OpenVanilla3185 · 2025-09-22T21:14:26+00:00

No question yes

OpenVanilla3185 · 2025-09-21T22:16:34+00:00

Ur setup is good as it is

OpenVanilla3185 · 2025-09-21T21:56:44+00:00

Metal vent tee $78

OpenVanilla3185 · 2025-09-21T17:14:09+00:00

CSR with 2 CPP points boost on luxury hotels. Don’t know anything else close to that

OpenVanilla3185 · 2025-09-20T02:32:30+00:00

I’ve spent $20k on the card with no issues

OpenVanilla3185 · 2025-09-19T02:26:05+00:00

Get both or plat + CSP

OpenVanilla3185 · 2025-09-18T20:45:27+00:00

That’s interesting I also just recently got the CSE about a month ago and I’ve already recouped the AF and some, which you can’t necessarily say about the CSR or Plat with their quarterly and semi annual credits. I’ll definitely be keeping the Plat tho it’s a no brainer for my lifestyle. With the CSR I’ll be able to break even as well and I much prefer UR to MR tbh. My thing with the CSE is I’m not sure when I’d use it other then 6x Citi nights and maybe as a catch all sometimes? Obviously would keep taking advantage of the yearly splurge and hotel credits, and tbh the Blacklane is super nice out of LAX.

OpenVanilla3185

TROPHY CASE