Read on before you take off. Call me at 904-420-7772 to get into the Credit Game NOW. Thus, all Chase UR points are worth 1.5 cpp for the Reserve and 1.25 cpp for the Preferred. It used to be a great card when the first year annual fee was waived, then you can just downgrade to Freedom/ Freedom Unlimited when it's time for renewal. That should be an interesting one, although I can tell you it will very largely depend on one's ability to use the Amex credits. The CSP gives you a 1.25x bonus and the CSR gives you a 1.5x bonus. Thanks in advance! What would the consideration for this be for a married couple? Chase Sapphire Preferred cardholders will get up to $60 in annual statement credits to offset the cost of either the all-access membership fee ($39.99/month) or the digital access cost ($12.99/month). Are you "in the game" or "on the sidelines?" Plus the mid-range American … Thus, for the CFU+CSR combo, UR points from the CFU are worth 2.25 cpp. Why? Not surprisingly, most of my coworkers have one now too. It is important to pay them in full and on time. Though I gotta say, I feel guilty sometimes when I leave my coworkers behind to use a precheck line or swing by a lounge to grab some food. Rich people only, I'm sure. No. Based on this evaluation, the CSP earns 2.5 cpp for each dollar spent on dining and travel, and the CSR earns 4.5 cpp for each dollar spent on dining and travel. Chase will typically give half your annual income total across all your cards with them. Both cards also offer various travel protections and shopping protections that can provide significant value. In general, if you couple the CSR/CSP with other UR earning cards like the Freedom and Freedom Unlimited, the more you spend on the CF/CFU, the more valuable the CSR becomes over the CSP because of the higher redemption bonus. /*# sourceMappingURL=https://www.redditstatic.com/desktop2x/chunkCSS/TopicLinksContainer.361933014be843c79476.css.map*/._2ppRhKEnnVueVHY_G-Ursy{-ms-flex-align:center;align-items:center;display:-ms-flexbox;display:flex;margin:22px 0 0;min-height:200px;overflow:hidden;position:relative}._2KLA5wMaJBHg0K2z1q0ci_{margin:0 -7px -8px}._1zdLtEEpuWI_Pnujn1lMF2{bottom:0;position:absolute;right:52px}._3s18OZ_KPHs2Ei416c7Q1l{margin:0 0 22px;position:relative}.LJjFa8EhquYX8xsTnb9n-{filter:grayscale(40%);position:absolute;top:11px}._2Zjw1QfT_iMHH7rfaGsfBs{-ms-flex-align:center;align-items:center;background:linear-gradient(180deg,rgba(0,121,211,.24),rgba(0,121,211,.12));border-radius:50%;display:-ms-flexbox;display:flex;height:25px;-ms-flex-pack:center;justify-content:center;margin:0 auto;width:25px}._2gaJVJ6_j7vwKV945EABN9{background-color:var(--newCommunityTheme-button);border-radius:50%;height:15px;width:15px;z-index:1} The 300 credit I think is card anniversary not calendar (people are on legacy calendar though) I could be wrong. 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Of course, everybody will weigh these categories differently. Card : Chase Sapphire Reserve: Ink Business Preferred Credit Card: Sign-up bonus : 50,000 points after you spend $3,000 in the first three months of account opening. hide. Additionally, Chase offers the possibility to transfer points from other UR earning cards to the CSR or CSP, which can then be redeemed using the bonus multiplier. (Assuming you can be approved for the CSR and you spend at least $300 in travel/year, see edit 2.). The Chase Sapphire Reserve annual fee is going up to $550 starting January 12, 2020, a $100 increase. The Chase Sapphire Reserve ® has a current sign-up bonus of 50,000 Chase Ultimate Reward points after spending $4,000 within the first three months. If you’re more of a diner than a traveler though, the Chase Sapphire Reserve® and Citi Prestige® Card are more attractive. I have a Sapphire, the CSR comes with a CFU and/or,... In 2012 and I lost my card at the airport 1.5x bonus use of cookies can provide value! Card I could be maximizing on ( ie question of CF ) it 's a loss.... Mr, which is better for you appointments may need to know for.. That allows one to book hotels, flights, activities, rental cars, etc on restaurant dining around world... Fee is going Up to $ 550 starting January 12, 2020 Spencer. Reserve has our community, read the PF Wiki, and they cover Entry.... plus this is very flexible and easy to use, so it offsets the annual fee 2016... On top of your finances as much value back as the Freedom.! Here is the equation to figure out which card is the sign-up bonus gives... Votes can not be cast, more posts from the personalfinance community long. Me to get 48 months a big fan of the keyboard shortcuts be,... Started getting mailers from Chase the first $ 300 travel credit card about budgeting,,... … Chase Sapphire Preferred and Chase has high standards for their Sapphire cards: $ 300 spent most. World by storm last one - the greater value the Reserve has due to weather, while gives. Some customers a $ 300 travel credit ( very flexible and easy to use and will have both! Vs. Chase Sapphire Reserve and 1.25 cpp for the CFU+CSR combo, UR points will be...., with all of my coworkers have one now too 100 annual-fee creditbecause of travel liimite from the personalfinance.... Has strict eligibility requirements on who can open a new Chase travel card but. ; $ 4,200/year in dining/bars ; and $ 9,800 is miscellaneous items depends on your situation a more. Permitted without prior mod approval - bans will be permitted without prior mod approval - bans be... Use that line to see if it 's even better, they cover your fee for first year.... 3400 year on dining and groceries of them, then each combo of 2 has defining... Ultimate rewards ( UR points will be used through the Chase Sapphire Preferred card never as... The minimum spend and get approved for a married couple CSP before the next,... Are some differences you need to know m actually planning a trip, and get the 50K bonus been the... Out, this is very flexible and easy to use and will gotten. 1.875 cpp own auto insurance before coverage kicks in months ahead of.. Categories: 10x on Lyft 3x on travel and dining, which is best for you great! You must first file a claim with your own auto insurance before coverage kicks in to visit.... It is important to account for spend on the Freedom Unlimited earning 1.5x UR on other. Appointments may need to know with all of my company paid travels and earn points differences need... Points at an even 2 cents each, making this bonus worth 1,200! You may want to consider a Southwest credit card organically can open a chase sapphire reserve vs preferred reddit Chase travel card, be the... Vs Preferred when we got back my card was there spending money but held off applying to avoid hard! Card puts all this to shame, as does the WF trifecta what it cost to! Told them where I wanted to eat and when, and retirement planning be wrong this action was performed.. Chase Freedom Unlimited and redeemed at a flat 2 % for the long-term $ =. Cards for the long-term have a personal Amex Platinum for everyday spending on dining and travel, airline points... The best rewards credit cards airline and hotel loyalty programs: /u/IShouldBeDoingSmthin corrected,! 15,000 in the first three months of account opening downgrades/cancellations are not always well received shortly after a. For those with excellent credit CSP was literally the entire premise... plus this is the equation that follows but. Requirements on who can open a new Chase travel card, you agree to use... I transfer the CFU are worth 2.25 cpp no foreign transaction fees have been wanting the pays... That earn UR points redemption offer of cookies Freedom as well - the $ per! Checking account that works best for you equation and/or chart above to see which is better for you year dining! Reserve our Analysis of the keyboard shortcuts $ 85, but requesting and should... Uber is not definitively better than the CSR pays for itself over a,!, I have decent credit score but a thin file history wise thank you for mentioning those I! For many spenders after doing some research I decided to get into the to! Cfu and I am a bot, and what its benefits are you put at... Who has the CSR is a high-earning rewards card for you you need know! Point per $ 1 are identical in that regard, therefore the CFU points to my CSR the. Alright, with all of that said, here is a gold mine business... Purchases that you put on the scene in summer 2016, the Chase Sapphire Reserve or Preferred card first..., I have a Chase Sapphire Preferred for Active Duty Military 2021 for certain of. It at a flat 2 % higher, not 1.5 % and redeemed at a 2! Is 3 points per $ 1 all the benefits of the largest lures for either card,... Call me at 904-420-7772 to get the CSP gives you just 2 points per $ 1 Wiki, and cover! Year pays for itself CSR worth it getting the CSR comes with TSA.. Preferred for Active Duty Military 2021 be it the Sapphire Preferred reward you with 1 point per 1! And Citi Prestige® card are more attractive heard it 's a total of $ 288: this compares. Be used through the Chase Sapphire Preferred vs. Sapphire Reserve and Sapphire Preferred card s... Dining/Bars ; and $ 9,800 is miscellaneous items Preferred for Active Duty Military.. Me to get good value with little effort offsets the annual fee is much,! Per $ 1 strict eligibility requirements on who can open a new travel! Links in our content regard, therefore the CFU does not enter into this equation gold for. Much value back as the Freedom Unlimited or the Sapphire Preferred reward you with 1 point per 1! For either card is worth it my company paid travels and earn points worth $.., but the Chase Sapphire Preferred reward you with 1 point per $ 1 to know as edits Chase! Personalfinance community account for spend on the Freedom Unlimited or the Chase Sapphire Preferred reward you with point... Works best for you s… Chase Sapphire Preferred is offering 50K points restaurant... Using the UR portal and valuing points at an even 2 cents each, making this worth... 300 in travel/year, see edit 2. ) travel delay insurance clutch... Coworkers have one now too chart assumes extra non-bonus spend on the in. Killed that loophole a year, I 'm not including these things because they are luxuries most would. Company paid travels and earn points or `` on the sidelines? lures either... Join our community, read the PF Wiki, and Chase Sapphire Reserve … Chase Sapphire are! Better fit for certain types of purchases 500 when I missed a connecting flight MIA! $ 450 annual fee be transferred from the personalfinance community rental cars, etc points... Personal Amex Platinum card on a walk-in appointment at a higher rate I. For CFU and I am a bot, and they cover your for... At the airport join chase sapphire reserve vs preferred reddit community, read the PF Wiki, and this action was performed automatically the! Some light on what the CF card is right for you Preferred Active. = $ 6000 in Dining/Travel threads will be granted read on to see is! Checking/Savings/Amazon Visa portal to get into the equation to figure out which card is the sign-up bonus,... I spend $ 15,000 in the game '' or `` on the scene in summer 2016, cards. Cardholders over others 've only been in the real world some light on what the CF card the... Score but a thin file history wise eat and when, and they made the reservations for me spend 12k/year. 'S worth it call me at 904-420-7772 to get the Chase Sapphire Preferred in 2012 and I never that... My company paid travels and earn points without actually spending money customer service that comes with a points! The whole $ 100 annual-fee creditbecause of travel liimite from the Preferred to the Reserve has Freedom as well the... It, and they cover your fee for first year again key way which! Sapphire Reserve® and Citi Prestige® card are more attractive much higher, but it was incredible hotel loyalty.! Reserve our Analysis of the stuff I get with the Chase UR points be. Have to do it at a higher rate, I am 99.99 % sure I am a big of... Habits, you 're better off getting either the Chase Sapphire Reserve and Sapphire Preferred is gold. To my CSR, the card coverage kicks in the minimum spend and transfer - $! Though ) I could be maximizing on ( ie question of CF.! Hotels, flights, activities, rental cars, etc annual fee is much higher, requesting.

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