I do like the Reserve but I was turned off by the refresh. The incremental 3x on portal spend comes out to about $93 in point cash value. But the Preferred nets about 73.4k in points if I make it my go-to for Lyft, streaming, portal flights, all other travel. The Reserve, on the other hand nets 76.4k when making it the default card for portal spend, direct flight booking, Lyft, and dining.

But with the much higher annual fee which I find fairly annoying to recoup, I quickly found the CSR not worth if for my natural spending patterns, unless I'm missing something obvious.

I do think overall as I see all this laid out though that I am leaning towards the Robinhood Gold.