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Credit card points experts get ITT

My year on the Chase Sapphire Reserve is fast approaching. S...
obsidian area
  11/16/17
how often u fly?
Medicated hairraiser theatre macaca
  11/16/17
like twice a year
obsidian area
  11/16/17
csr may not be worth it for you
Medicated hairraiser theatre macaca
  11/16/17
yeah thats why i think i should cancel and get an uber card,...
obsidian area
  11/16/17
technically the chase points are worth more than 1:1 so even...
Excitant Cheese-eating Native
  11/16/17
i only travel twice a year tho. not sure if it's worth it
obsidian area
  11/16/17
Cop the alliant visa signature card regardless
odious fuchsia preventive strike
  11/16/17
Damn, 3% on all purchases? May have to cop that
Excitant Cheese-eating Native
  11/16/17
You still get the $300 travel credit so it's really only $15...
Excitant Cheese-eating Native
  11/16/17
his problem is that he should not have both the preferred an...
Flatulent fear-inspiring property brethren
  11/16/17
True. It's retarded to have both preferred and reserve
Excitant Cheese-eating Native
  11/16/17
...
Useless crackhouse jew
  11/16/17
i think ill cancel the preferred
obsidian area
  11/16/17
Cr
Useless crackhouse jew
  11/16/17
I also have a barclaycard arrival+. should i cancel it a...
obsidian area
  11/17/17
The reserve has a fraud $75 fee for authorized users which i...
Flushed dopamine
  11/17/17
wtf? have you looked into the uber card? it looks legit but ...
obsidian area
  11/17/17
I've read using points toward travel is a lot more value tha...
Excitant Cheese-eating Native
  11/17/17
CR - do not use chase points in the travel redemption portal...
Flushed dopamine
  11/17/17
ty, i used chase portal to redeem last time. i need to book...
obsidian area
  11/17/17
It’s more work to price stuff out and compare whether it’s w...
Flushed dopamine
  11/17/17
This is a good deal, but it is ~$0.033/pt.
glassy ceo piazza
  11/17/17
lol yeah i knew my math didnt seem right i also have book...
Flushed dopamine
  11/17/17
You need a fairly high spend for the points difference to ta...
glassy ceo piazza
  11/17/17
i don't really travel any more so i product changes into a f...
splenetic sanctuary dysfunction
  11/17/17
When you cancel, chase will refund you a prorated portion of...
crimson vibrant coffee pot den
  11/17/17
what should i cop instead?
obsidian area
  11/17/17
the blogger who suggest this is now suggesting that they may...
splenetic sanctuary dysfunction
  11/17/17
Quote: Originally Posted by touringuy View Post Is there...
splenetic sanctuary dysfunction
  11/17/17
You can downgrade the preferred to no fee regular sapphire. ...
Harsh copper nursing home mad-dog skullcap
  11/17/17
i dont have many points left after my next trip and dont use...
obsidian area
  11/17/17
Pretty sure I will cancel CSR (i have no points left) and co...
godawful ultramarine church
  11/25/17
...
godawful ultramarine church
  11/25/17


Poast new message in this thread



Reply Favorite

Date: November 16th, 2017 9:43 PM
Author: obsidian area

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: Medicated hairraiser theatre macaca

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: obsidian area

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: Medicated hairraiser theatre macaca

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: obsidian area

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: Excitant Cheese-eating Native

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: obsidian area

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: odious fuchsia preventive strike

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: Excitant Cheese-eating Native

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: Excitant Cheese-eating Native

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: Flatulent fear-inspiring property brethren

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: Excitant Cheese-eating Native

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: Useless crackhouse jew



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



Reply Favorite

Date: November 16th, 2017 9:59 PM
Author: obsidian area

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: Useless crackhouse jew

Cr

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



Reply Favorite

Date: November 17th, 2017 12:38 PM
Author: obsidian area

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: Flushed dopamine

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: obsidian area

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: Excitant Cheese-eating Native

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: Flushed dopamine

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: obsidian area

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: Flushed dopamine

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: glassy ceo piazza

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: Flushed dopamine

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: glassy ceo piazza

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: splenetic sanctuary dysfunction

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: crimson vibrant coffee pot den

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: obsidian area

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: splenetic sanctuary dysfunction

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: splenetic sanctuary dysfunction

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: Harsh copper nursing home mad-dog skullcap

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: obsidian area

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: godawful ultramarine church

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: godawful ultramarine church



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