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Credit card points experts get ITT

My year on the Chase Sapphire Reserve is fast approaching. S...
copper state
  11/16/17
how often u fly?
Mahogany property
  11/16/17
like twice a year
copper state
  11/16/17
csr may not be worth it for you
Mahogany property
  11/16/17
yeah thats why i think i should cancel and get an uber card,...
copper state
  11/16/17
technically the chase points are worth more than 1:1 so even...
carmine useless brakes
  11/16/17
i only travel twice a year tho. not sure if it's worth it
copper state
  11/16/17
Cop the alliant visa signature card regardless
excitant roommate
  11/16/17
Damn, 3% on all purchases? May have to cop that
carmine useless brakes
  11/16/17
You still get the $300 travel credit so it's really only $15...
carmine useless brakes
  11/16/17
his problem is that he should not have both the preferred an...
Angry twisted plaza skinny woman
  11/16/17
True. It's retarded to have both preferred and reserve
carmine useless brakes
  11/16/17
...
Vigorous pungent church corn cake
  11/16/17
i think ill cancel the preferred
copper state
  11/16/17
Cr
Vigorous pungent church corn cake
  11/16/17
I also have a barclaycard arrival+. should i cancel it a...
copper state
  11/17/17
The reserve has a fraud $75 fee for authorized users which i...
cerise jewess
  11/17/17
wtf? have you looked into the uber card? it looks legit but ...
copper state
  11/17/17
I've read using points toward travel is a lot more value tha...
carmine useless brakes
  11/17/17
CR - do not use chase points in the travel redemption portal...
cerise jewess
  11/17/17
ty, i used chase portal to redeem last time. i need to book...
copper state
  11/17/17
It’s more work to price stuff out and compare whether it’s w...
cerise jewess
  11/17/17
This is a good deal, but it is ~$0.033/pt.
Sable Mischievous Lodge Athletic Conference
  11/17/17
lol yeah i knew my math didnt seem right i also have book...
cerise jewess
  11/17/17
You need a fairly high spend for the points difference to ta...
Sable Mischievous Lodge Athletic Conference
  11/17/17
i don't really travel any more so i product changes into a f...
onyx international law enforcement agency
  11/17/17
When you cancel, chase will refund you a prorated portion of...
violent digit ratio
  11/17/17
what should i cop instead?
copper state
  11/17/17
the blogger who suggest this is now suggesting that they may...
onyx international law enforcement agency
  11/17/17
Quote: Originally Posted by touringuy View Post Is there...
onyx international law enforcement agency
  11/17/17
You can downgrade the preferred to no fee regular sapphire. ...
spectacular haunted graveyard
  11/17/17
i dont have many points left after my next trip and dont use...
copper state
  11/17/17
Pretty sure I will cancel CSR (i have no points left) and co...
smoky casino
  11/25/17
...
smoky casino
  11/25/17


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Reply Favorite

Date: November 16th, 2017 9:43 PM
Author: copper state

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)



Reply Favorite

Date: November 16th, 2017 9:43 PM
Author: Mahogany property

how often u fly?

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705177)



Reply Favorite

Date: November 16th, 2017 9:44 PM
Author: copper state

like twice a year

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705180)



Reply Favorite

Date: November 16th, 2017 9:44 PM
Author: Mahogany property

csr may not be worth it for you

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705187)



Reply Favorite

Date: November 16th, 2017 9:48 PM
Author: copper state

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)



Reply Favorite

Date: November 16th, 2017 9:49 PM
Author: carmine useless brakes

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)



Reply Favorite

Date: November 16th, 2017 9:59 PM
Author: copper state

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)



Reply Favorite

Date: November 16th, 2017 9:44 PM
Author: excitant roommate

Cop the alliant visa signature card regardless

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705184)



Reply Favorite

Date: November 16th, 2017 9:47 PM
Author: carmine useless brakes

Damn, 3% on all purchases? May have to cop that

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705206)



Reply Favorite

Date: November 16th, 2017 9:46 PM
Author: carmine useless brakes

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.

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705197)



Reply Favorite

Date: November 16th, 2017 9:51 PM
Author: Angry twisted plaza skinny woman

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)



Reply Favorite

Date: November 16th, 2017 9:52 PM
Author: carmine useless brakes

True. It's retarded to have both preferred and reserve

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705244)



Reply Favorite

Date: November 16th, 2017 9:59 PM
Author: Vigorous pungent church corn cake



(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705314)



Reply Favorite

Date: November 16th, 2017 9:59 PM
Author: copper state

i think ill cancel the preferred

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705309)



Reply Favorite

Date: November 16th, 2017 9:59 PM
Author: Vigorous pungent church corn cake

Cr

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34705315)



Reply Favorite

Date: November 17th, 2017 12:38 PM
Author: copper state

I also have a barclaycard arrival+.

should i cancel it and just use CSR?

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34709796)



Reply Favorite

Date: November 17th, 2017 12:40 PM
Author: cerise jewess

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)



Reply Favorite

Date: November 17th, 2017 12:41 PM
Author: copper state

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)



Reply Favorite

Date: November 17th, 2017 12:46 PM
Author: carmine useless brakes

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)



Reply Favorite

Date: November 17th, 2017 12:49 PM
Author: cerise jewess

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.

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34709889)



Reply Favorite

Date: November 17th, 2017 12:53 PM
Author: copper state

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)



Reply Favorite

Date: November 17th, 2017 12:56 PM
Author: cerise jewess

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)



Reply Favorite

Date: November 17th, 2017 12:56 PM
Author: Sable Mischievous Lodge Athletic Conference

This is a good deal, but it is ~$0.033/pt.

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34709940)



Reply Favorite

Date: November 17th, 2017 12:58 PM
Author: cerise jewess

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

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34709956)



Reply Favorite

Date: November 17th, 2017 1:04 PM
Author: Sable Mischievous Lodge Athletic Conference

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.

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34710015)



Reply Favorite

Date: November 17th, 2017 1:05 PM
Author: onyx international law enforcement agency

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/



(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34710038)



Reply Favorite

Date: November 17th, 2017 1:07 PM
Author: violent digit ratio

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)



Reply Favorite

Date: November 17th, 2017 2:11 PM
Author: copper state

what should i cop instead?

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34710669)



Reply Favorite

Date: November 17th, 2017 2:24 PM
Author: onyx international law enforcement agency

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)



Reply Favorite

Date: November 17th, 2017 2:39 PM
Author: onyx international law enforcement agency

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.

https://www.flyertalk.com/forum/chase-ultimate-rewards/1738798-chase-product-change-card-conversion-downgrade-upgrade-keep-cancel-2016-onward-40.html

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.

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34710872)



Reply Favorite

Date: November 17th, 2017 2:17 PM
Author: spectacular haunted graveyard

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)



Reply Favorite

Date: November 17th, 2017 2:30 PM
Author: copper state

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)



Reply Favorite

Date: November 25th, 2017 11:43 PM
Author: smoky casino

Pretty sure I will cancel CSR (i have no points left) and cop this:

https://www.valuepenguin.com/capital-one-venture-rewards-credit-card

(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34772585)



Reply Favorite

Date: November 25th, 2017 11:48 PM
Author: smoky casino



(http://www.autoadmit.com/thread.php?thread_id=3799900&forum_id=2#34772624)