Not sure if it matters to you, but keep in mind there is no downgrade path to a no annual fee card from the Plat if you decide you don’t want it. You would have to outright cancel.

I would be cautious with overvaluing the Plat credits. GrubHub/UberEats pickup food prices are higher than the items are when you buy through the restaurant directly, so it’s not 1:1. First year, the credits won’t matter as much because of the welcome bonus.

CSP is a low risk card since you can always downgrade after the first year while keeping the credit line open for free. Welcome bonus is great, and the 3% on dinning adds another way to earn more points that the Plat doesn’t have.

Using the renovation spend for the CSP makes a lot of sense, because it’s just a higher rate of spend for the welcome bonus than the Plat.