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Credit card points experts get ITT
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Date: November 16th, 2017 9:43 PM Author: concupiscible property pocket flask My year on the Chase Sapphire Reserve is fast approaching. Should I cancel it to avoid the large yearly fee and cop the uber card? I already have a Preferred but never use it. Should I call Chase and tell them I was to change my Reserve into a freedom account? (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705169) |
Date: November 16th, 2017 9:43 PM Author: Smoky Soul-stirring Space Boiling Water how often u fly? (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705177) |
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Date: November 16th, 2017 9:44 PM Author: concupiscible property pocket flask like twice a year (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705180) |
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Date: November 16th, 2017 9:44 PM Author: Smoky Soul-stirring Space Boiling Water csr may not be worth it for you (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705187) |
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Date: November 16th, 2017 9:48 PM Author: concupiscible property pocket flask yeah thats why i think i should cancel and get an uber card, no? (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705212) |
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Date: November 16th, 2017 9:49 PM Author: contagious french dysfunction technically the chase points are worth more than 1:1 so even though you are getting 4% back on the Uber card for dining you will get more than that redeeming for travel related shit using your CSR points (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705222) |
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Date: November 16th, 2017 9:59 PM Author: concupiscible property pocket flask i only travel twice a year tho. not sure if it's worth it (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705304) |
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Date: November 16th, 2017 9:44 PM Author: Green chest-beating heaven Cop the alliant visa signature card regardless (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705184) |
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Date: November 16th, 2017 9:47 PM Author: contagious french dysfunction Damn, 3% on all purchases? May have to cop that (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705206) |
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Date: November 16th, 2017 9:46 PM Author: contagious french dysfunction You still get the $300 travel credit so it's really only $150.... It's not that much spending to cop $150 worth of points.
That said, I may cancel mine next year and do AMEX Plat just to cop the intro bonus. |
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Date: November 16th, 2017 9:51 PM Author: Ocher irradiated hall police squad his problem is that he should not have both the preferred and reserve. the annual fee difference between the 2 is like 60 bucks once you remove the travel credit, but the preferred offers nothing the reserve doesn't. (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705233) |
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Date: November 16th, 2017 9:52 PM Author: contagious french dysfunction True. It's retarded to have both preferred and reserve (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705244) |
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Date: November 16th, 2017 9:59 PM Author: bonkers persian feces (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705314) |
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Date: November 16th, 2017 9:59 PM Author: concupiscible property pocket flask i think ill cancel the preferred (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705309) |
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Date: November 16th, 2017 9:59 PM Author: bonkers persian feces Cr (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705315) |
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Date: November 17th, 2017 12:38 PM Author: concupiscible property pocket flask I also have a barclaycard arrival+.
should i cancel it and just use CSR? |
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Date: November 17th, 2017 12:40 PM Author: sapphire lodge The reserve has a fraud $75 fee for authorized users which is just ridiculous. I called and asked for them to remove the charge for my wife and they refused. I am considering cancelling. (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34709812) |
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Date: November 17th, 2017 12:41 PM Author: concupiscible property pocket flask wtf? have you looked into the uber card? it looks legit but i need credit card mastermen to get ITT. paying the CSR annual fee seems fraudlies (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34709815) |
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Date: November 17th, 2017 12:46 PM Author: contagious french dysfunction I've read using points toward travel is a lot more value than having a cashback card. So that alone probably makes it a wash. Then throw in the other perks of CSR if you actually use any of them and it's probably a better value than the Uber card. (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34709862) |
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Date: November 17th, 2017 12:49 PM Author: sapphire lodge CR - do not use chase points in the travel redemption portal. that is just lazy. you can get 4 or more cents per point redeeming for certain travel.
EX: you used to be able to cop an amtrak ticket same day for 4500 points from NY to DC. That would often be like a $150 ticket. Thats like 16 cents a point. |
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Date: November 17th, 2017 12:53 PM Author: concupiscible property pocket flask ty, i used chase portal to redeem last time. i need to book a trip this weekend, and i wont use chase portal (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34709908) |
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Date: November 17th, 2017 12:56 PM Author: sapphire lodge It’s more work to price stuff out and compare whether it’s worth transferring points to a FF or hotel partner but you can get much more value out of the points. (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34709935) |
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Date: November 17th, 2017 12:56 PM Author: Flesh address This is a good deal, but it is ~$0.033/pt. (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34709940) |
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Date: November 17th, 2017 12:58 PM Author: sapphire lodge lol yeah i knew my math didnt seem right
i also have booked some $900 a night hotel rooms (Andaz Maui is amazing) for 25,000 points, so similar valuation |
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Date: November 17th, 2017 1:04 PM Author: Flesh address You need a fairly high spend for the points difference to take care of the additional yearly fee between the CSP/Freedom.
It can be worth it if you care about/take advantages of the card perks--travel and rental insurance, lounge access, price matching on purchases, etc. |
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Date: November 17th, 2017 1:05 PM Author: peach bull headed public bath i don't really travel any more so i product changes into a freedom and opened up a BOA premium rewards card. If you have over 100k with BOA/Merril the rewards are the best out that as far as I can tell.
https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/
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Date: November 17th, 2017 1:07 PM Author: trip very tactful office messiness When you cancel, chase will refund you a prorated portion of the annual fee. Thus, if your annual fee is due in dec, you should use up your $300 travel credit in Jan ASAP and then cancel. Chase will then refund you 10-11 months of the annual fee and you actually come out ahead after factoring the $300 travel credit. (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34710051) |
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Date: November 17th, 2017 2:11 PM Author: concupiscible property pocket flask what should i cop instead? (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34710669) |
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Date: November 17th, 2017 2:24 PM Author: peach bull headed public bath the blogger who suggest this is now suggesting that they may also pro rate the travel credit benefit. (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34710770) |
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Date: November 17th, 2017 2:39 PM Author: peach bull headed public bath Quote: Originally Posted by touringuy View Post Is there a possibility of the 2018 travel credit getting clawed back if you downgrade/PC immediately after receiving the credit? Is it possible? Yes.
That said, Chase doesn't really have a history of clawing back points.
May the force be with you!
Having said that, Chase has recently developed new policies to discourage customers from engaging in actions such as this.
From what I've read, many customers intend to do just what you've outlined. |
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Date: November 17th, 2017 2:17 PM Author: Pontificating hell You can downgrade the preferred to no fee regular sapphire. CSR, AFTER $300 credit, still worth it for the priority pass ($90 value) and 1.5x redemption if you still have lots of ur points. (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34710714) |
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Date: November 17th, 2017 2:30 PM Author: concupiscible property pocket flask i dont have many points left after my next trip and dont use priority pass (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34710815) |
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Date: November 25th, 2017 11:43 PM Author: Pearl field Pretty sure I will cancel CSR (i have no points left) and cop this:
https://www.valuepenguin.com/capital-one-venture-rewards-credit-card |
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Date: November 25th, 2017 11:48 PM Author: Pearl field (http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34772624) |