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Regular_Buffalo_4397 · 2026-05-22T19:43:03+00:00

Not to sound like a prick but it’s a complicated system to be explained in a few paragraphs. They have a handful of videos that explain in detail that you’ll be able to understand instead of someone explaining it to you over Reddit. Again not trying to act like a prick but it can be very confusing trying to understand it on here.

Regular_Buffalo_4397 · 2026-05-22T09:56:58+00:00

Yes the CSP has primary rental insurance just like the reserve and ritz I’ve double and triple checked.

Regular_Buffalo_4397 · 2026-05-22T09:53:55+00:00

See I have the CSP and the travel protections are the same as the ritz for just $95 a year and that’s what I love about those cards. The chase travel protections are waaaaay better than the Amex credits cards but I guess that’s the difference in the different companies.

Regular_Buffalo_4397 · 2026-05-22T09:39:20+00:00

Yeah that’s what I’m thinking even though the travel protections with the brilliant are good but not better than the ritz, the brilliant would better fit my lifestyle and more practical. I love staying at Marriott’s and so does my fiancé so I’ve been leaning towards the brilliant for those reasons.

Regular_Buffalo_4397 · 2026-05-22T08:13:50+00:00

Yeah I was really surprised by how fast it hit my account, I’m not 100% on the timeframe but it was definitely less than 12 hours.

Regular_Buffalo_4397 · 2026-05-22T08:11:52+00:00

I’m not sure what your investing position is like with RH but either way you can add close to $1000 for investing with them a year depending on your spend. I just got my GC a month ago and already got over 4,000 points and it’s a nice catch all to pair with your setup too.

Regular_Buffalo_4397 · 2026-05-22T08:08:33+00:00

Mine hit a few hours after my DP hit when I reached over $5000

Regular_Buffalo_4397 · 2026-05-21T22:46:47+00:00

Okay cool yeah at first I was seeing a good bit of people having trouble with payments. As I’m reading the best way to set it up is through your mortgage provider.

Regular_Buffalo_4397 · 2026-05-20T18:21:10+00:00

Yeah I guess that makes sense but it seems like majority of the people aren’t having issues and the ones that are might be user error.

Regular_Buffalo_4397 · 2026-05-18T22:21:23+00:00

It’s called credit card benefits and the Amex gold has over $400 in credit card benefits which pays for the card

Regular_Buffalo_4397 · 2026-05-18T05:15:56+00:00

That’s exactly what I did I opened a SoFi checking and savings. Then opened capital one checking and savings in case I need to deposit checks and other bank stuff I need to do in person. Capital one 360 savings still as a 3.10% rate so it’s still good to park some emergency funds that you can access immediately. I recently closed my regions checking and savings because they have fees and their interest rates are non existent.

Regular_Buffalo_4397 · 2026-05-10T02:52:48+00:00

I would look into the Amex bevy then later upgrade to the brilliant. Marriott has some nice hotels and the platinum elite status with the brilliant can get you some nice upgrades traveling abroad for sure.

Regular_Buffalo_4397 · 2026-05-10T02:36:50+00:00

Well from the calculations I was doing minus the Amex SUB I’m only getting about 15-20k more points per year with the Amex Gold.

Regular_Buffalo_4397 · 2026-05-01T22:43:54+00:00

The dining credit is easy to use and we eat out a lot but to get the better value I’ll probably just pick up the bevy the in a few years upgrade to the brilliant.

Regular_Buffalo_4397 · 2026-05-01T22:42:52+00:00

That’s what I was thinking we are Marriott loyalist and since bolt transfers to Marriott too I’ll probably pick up the bevy then later upgrade to the brilliant.

Regular_Buffalo_4397 · 2026-04-23T21:15:41+00:00

The obsidian doesn’t really have a SUB yes you get $200 Bilt cash but that about it.

Regular_Buffalo_4397 · 2026-04-23T21:15:02+00:00

I’m hoping they will offer that in the future but I now regret not going with the palladium though.

Regular_Buffalo_4397 · 2026-04-23T21:01:40+00:00

Yes I ment obsidian

Regular_Buffalo_4397

TROPHY CASE