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chase sapphire reserve vs preferred reddit

chase sapphire reserve vs preferred reddit

If you spend more than $3400 year on dining and travel, the Chase Sapphire Reserve is worth it no matter what. Read our comparison chart below. I just applied for CFU and I am 99.99% sure I am getting the CSR. We receive compensation if you apply and get approved for a card through links in our content. We share our thought process when deciding between the two cards. The CSP gives you a 1.25x bonus and the CSR gives you a 1.5x bonus. This is for all the high school kids complaining that they'll never use Algebra in the real world. Uffda. If the value is less than 0, the Preferred is the right card for you. Same here, I have a personal Amex platinum card which I put all my business travel expenses on. .c_dVyWK3BXRxSN3ULLJ_t{border-radius:4px 4px 0 0;height:34px;left:0;position:absolute;right:0;top:0}._1OQL3FCA9BfgI57ghHHgV3{-ms-flex-align:center;align-items:center;display:-ms-flexbox;display:flex;-ms-flex-pack:start;justify-content:flex-start;margin-top:32px}._1OQL3FCA9BfgI57ghHHgV3 ._33jgwegeMTJ-FJaaHMeOjV{border-radius:9001px;height:32px;width:32px}._1OQL3FCA9BfgI57ghHHgV3 ._1wQQNkVR4qNpQCzA19X4B6{height:16px;margin-left:8px;width:200px}._39IvqNe6cqNVXcMFxFWFxx{display:-ms-flexbox;display:flex;margin:12px 0}._39IvqNe6cqNVXcMFxFWFxx ._29TSdL_ZMpyzfQ_bfdcBSc{-ms-flex:1;flex:1}._39IvqNe6cqNVXcMFxFWFxx .JEV9fXVlt_7DgH-zLepBH{height:18px;width:50px}._39IvqNe6cqNVXcMFxFWFxx ._3YCOmnWpGeRBW_Psd5WMPR{height:12px;margin-top:4px;width:60px}._2iO5zt81CSiYhWRF9WylyN{height:18px;margin-bottom:4px}._2iO5zt81CSiYhWRF9WylyN._2E9u5XvlGwlpnzki78vasG{width:230px}._2iO5zt81CSiYhWRF9WylyN.fDElwzn43eJToKzSCkejE{width:100%}._2iO5zt81CSiYhWRF9WylyN._2kNB7LAYYqYdyS85f8pqfi{width:250px}._2iO5zt81CSiYhWRF9WylyN._1XmngqAPKZO_1lDBwcQrR7{width:120px}._3XbVvl-zJDbcDeEdSgxV4_{border-radius:4px;height:32px;margin-top:16px;width:100%}._2hgXdc8jVQaXYAXvnqEyED{animation:_3XkHjK4wMgxtjzC1TvoXrb 1.5s ease infinite;background:linear-gradient(90deg,var(--newCommunityTheme-field),var(--newCommunityTheme-inactive),var(--newCommunityTheme-field));background-size:200%}._1KWSZXqSM_BLhBzkPyJFGR{background-color:var(--newCommunityTheme-widgetColors-sidebarWidgetBackgroundColor);border-radius:4px;padding:12px;position:relative;width:auto} Plug in your estimated values for the following variables into the equation that follows. Thank you for mentioning those, I'll add them as edits. Those who spend a lot on Lyft, travel and dining will find the added points per dollar on … I called the number on the back of the card, immediately got a person who was able to arrange for them to overnight me a card, on a weekend, to a hotel, in Canada. Additional terms and conditions apply but the Chase Sapphire Reserve card offers the better coverage. For this, I'll assume all non-bonus spending is on the CFU, and those points will be transferred to the chosen Sapphire card. Chase Sapphire Preferred vs. Chase Sapphire Reserve which card is best for you and which card gives you the best benefits compared to the annual fee. I'm not including these things because they are luxuries most people would not have/buy if they weren't benefits of the card. I spend $12k/year on my credit card organically. I have it - the $95 per year pays for itself. Why? If you have to have a Sapphire, the CSR is 1.5% higher earner, so $55/0.015 = $3666 in Dining/Travel. I have been wanting the CSR but held off applying to avoid another hard hit. Here’s a snapshot of current bonuses for the Chase Sapphire Reserve and the Amex Platinum Card. The Chase Sapphire Reserve annual fee is going up to $550 starting January 12, 2020, a $100 increase. See current Chase Coupon offers for new customers. Also, earlier this year, Chase made gas and grocery store purchases eligible for the Chase Sapphire Reserve… Keep in mind, the Chase Sapphire Reserve has a $550 annual fee, while the Chase Sapphire Preferred has a $95 annual fee. That is, someone can earn 1.5x UR on every purchase with the Chase Freedom Unlimited (CFU) and/or 5x UR on bonus categories each quarter with the Chase Freedom (CF), and then transfer those points to their Sapphire card for extra value. I assume that anyone looking at the premium travel cards like the Sapphire cards will definitely use this $300 credit (if you won't use it, either card is not for you and you should look into cards that earn greater rewards on dining, like the Barclays Uber or Amex Gold). The Chase Sapphire Reserve has a higher earning rate than the Chase Sapphire Preferred. For example, I am consider signing up for the CSP this year to meet the minimum spend and get the 50K bonus. Hot Tip: While the 100… Plus the mid-range American … Both cards also offer various travel protections and shopping protections that can provide significant value. Thus, all Chase UR points are worth 1.5 cpp for the Reserve and 1.25 cpp for the Preferred. Sort by. However, if you transfer the UR points earned from the CFU to your CSR and redeem them using the UR Portal for travel, your 1500 UR points are now worth 15000*.015 = $225 in travel money. The Citi Prestige® Card also gets you five points per $1 … Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. I could not wrap my head around why so many people could afford this card, so I did what I do best and I made a data plot: Conclusion: The Sapphire Preferred card never makes as much value back as the Freedom Unlimited or the Sapphire Reserve. 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. If you spend less than that, us the equation and/or chart above to see if it's worth it. Chase Sapphire Preferred cardholders can book stays through Visa Signature Hotels and enjoy upgrades subject to availability, complimentary breakfast for two, and a $25 food or beverage credit. Bonus categories: 10x on Lyft 3x on travel and dining. Chase Sapphire Reserve vs. 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. ._33axOHPa8DzNnTmwzen-wO{display:block;padding:0 16px;width:100%}.isNotInButtons2020 ._33axOHPa8DzNnTmwzen-wO{font-size:14px;font-weight:700;letter-spacing:.5px;line-height:32px;text-transform:uppercase} Then use that line to see if your spend on dining and travel categories make the CSR worth it. The Uber is not definitively better than the CSR if using the UR portal and valuing points at 1.5cpp. The Chase Sapphire Reserve® card is known for its unparalleled rewards and remarkable perks, but they come at a price — a steep annual fee of $550. One of the largest lures for either card is the sign-up bonus. Earn up to $120 in DoorDash Statement Credits through 12/31/2021: Earn up to $120 in statement credits on qualifying DoorDash purchases through 12/31/2021 – that's $60 in statement credits through 12/31/2020 and another $60 in statement credits through 12/31/2021. $14,500 at a flat 2% for the Double Cash is $290 cash back. .FIYolDqalszTnjjNfThfT{max-width:256px;white-space:normal;text-align:center} All discussion about the Chase Sapphire Reserve should go here. Edit 1: /u/IShouldBeDoingSmthin corrected me, the waiting period is now 48 months. through an Expedia portal using their Chase UR points. If people are nickel and diming everything to squeeze out every penny, they’re not the ones that need to see this analysis, lol did you even read anything in the post? You can always call and request an upgrade. This means that when booking through UR portal using the CSR, UR points are worth 1.5cpp, and when using the CSP, UR points are worth 1.25cpp. Fly Southwest? Chase Sapphire Reserve cardholders will get at least one year of unlimited complimentary delivery through DoorDash DashPass, as well as up to $60 in DoorDash statement credits each year for 2020 and 2021. Why? Chase Sapphire Reserve vs. Citi Prestige vs. I was hoping you could shed some light on what the CF card is, and what its benefits are? 2x UR on all dining and travel. 3x on groceries up to … Credit Scores._3bX7W3J0lU78fp7cayvNxx{max-width:208px;text-align:center} Chase Sapphire Preferred vs. Sapphire Reserve How does it compare to Chase Sapphire Preferred, a travel, airline, points and restaurant credit card? It's to help people trying to shape their wallet to maximize spending bonuses over time, NOT for churners who will try to double-dip travel credits before canceling or downgrading cards (hence why I'm posting in r/creditcards and not r/churning). Since arriving on the scene in summer 2016, the Chase Sapphire Reserve® card has taken the world by storm. So factoring in the $150 net AF, it's a loss leader. I flew to Canada last year and I lost my card at the airport. Conclusion: The Sapphire Preferred card never makes as much value back as the Freedom Unlimited or the Sapphire Reserve. If you want to s… If you’re trying to decide between the Chase Sapphire Reserve® and The Platinum Card® from American Express, you face a tough decision. The Chase Sapphire Preferred card, by contrast, only offers a 2-point bonus on travel and dining purchases. Now I'm just debating if I want to wait the 2 years after I got the Preferred card so that I can get another sign-on bonus, or just go ahead and upgrade. Those of you that follow our website and channel regularly know that I am a big fan of the Sapphire Reserve. Chase Sapphire Preferred: $95 Annual fee. Our Analysis of the Chase Sapphire Reserve vs Preferred. Background on both of these cards. Chase only allows one card from the Sapphire family, meaning if you have a Sapphire Reserve you will not qualify for the Sapphire Preferred. Now, Chase is launching its latest points redemption offer. TPG values Ultimate Rewards points at an even 2 cents each, making this bonus worth $1,200. .ehsOqYO6dxn_Pf9Dzwu37{margin-top:0;overflow:visible}._2pFdCpgBihIaYh9DSMWBIu{height:24px}._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu{border-radius:2px}._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu:focus,._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu:hover{background-color:var(--newRedditTheme-navIconFaded10);outline:none}._38GxRFSqSC-Z2VLi5Xzkjy{color:var(--newCommunityTheme-actionIcon)}._2DO72U0b_6CUw3msKGrnnT{border-top:none;color:var(--newCommunityTheme-metaText);cursor:pointer;padding:8px 16px 8px 8px;text-transform:none}._2DO72U0b_6CUw3msKGrnnT:hover{background-color:#0079d3;border:none;color:var(--newCommunityTheme-body);fill:var(--newCommunityTheme-body)} Some of these categories could make the Chase Sapphire Reserve a no-brainer to one person, while the same category will be meaningless to another person. THIS please good sir. I think my next assessment will be the Chase trifecta (CSR+CF+CFU) vs. Amex Trifecta (Platinum, Gold, Blue Business Plus). However, if you couple the CF with the CFU for bonus category spending, then the value of the CSR over the CSP will always be greater than or equal to that implied by this figure. New comments cannot be posted and votes cannot be cast. Chase has been one of the most agile, shifting bonus categories and offering new ways to redeem points, particularly with travel-focused cards such as the Chase Sapphire Reserve and Chase Sapphire Preferred Card. Slept in the next morning, went to breakfast, and when we got back my card was there. US Bank Altitude Reserve Card Advice It seems like Chase Sapphire Reserve offers a lot of perks to offset the $550/yr cost for those who travel regularly ($300 travel reimbursement, 3.0-4.5% on travel purchases, hotel reimbursement after long delays, rental car coverage and -- of course -- Priority Pass Select). 7 comments. share. 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. Chase Sapphire Reserve cardholders will get up to $120 in statement credits to offset the cost of either the all-access membership fee ($39/month) or the digital access cost ($12.99/month). The Chase Sapphire Preferred bonus of 80,000 points is worth $1,000 (or 1.25 cents apiece) toward travel booked directly through the Chase Ultimate Rewards portal, which includes flights as well as hotels, cruises, vacation rentals, and more. 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. Coupled with a CFU and/or CF, the CSR is even more powerful. I told them where I wanted to eat and when, and they made the reservations for me. Chase will typically give half your annual income total across all your cards with them. Is this still a good card to get? By the numbers, the Sapphire Reserve wins nine categories to the Sapphire Preferred Card’s four. I use it for all of my company paid travels and earn points without actually spending money. Of course the best value if from transferring. Chase Sapphire Preferred is offering 50k points and no fee for first year again. It's even better than the Amex Platinum for everyday spending on dining and groceries. I got the Chase Sapphire Preferred in 2012 and I never imagined that I would replace it. The take away from this, is first think about how much you spend each year on the CF and/or CFU (from $0 to $10k in $1000 increments) and find the corresponding line. Is there one more card I could be maximizing on (ie question of CF). Thus, all Chase UR points are worth 1.5 cpp for the Reserve and 1.25 cpp for the Preferred. ._3Im6OD67aKo33nql4FpSp_{border:1px solid var(--newCommunityTheme-widgetColors-sidebarWidgetBorderColor);border-radius:5px 5px 4px 4px;overflow:visible;word-wrap:break-word;background-color:var(--newCommunityTheme-body);padding:12px}.lnK0-OzG7nLFydTWuXGcY{font-size:10px;font-weight:700;letter-spacing:.5px;line-height:12px;text-transform:uppercase;padding-bottom:4px;color:var(--newCommunityTheme-navIcon)} As someone who has the CSR, the card is worth much more than $450 annual fee. If you’re a Chase Sapphire Reserve® cardholder, or are thinking of applying, you’ll want to know how you can take advantage of … I also don't think it's a foregone conclusion to assume the $300 travel credit is used each time, and would incentivize otherwise spending on travel when you wouldn't, just to make use of it. This chart assumes extra non-bonus spend on the Freedom Unlimited earning 1.5x UR on all purchases. ._3Qx5bBCG_O8wVZee9J-KyJ{border-top:1px solid var(--newRedditTheme-line);margin-top:16px;padding-top:16px}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN{margin:0;padding:0}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ{font-family:Noto Sans,Arial,sans-serif;font-size:14px;font-weight:400;line-height:21px;display:-ms-flexbox;display:flex;-ms-flex-pack:justify;justify-content:space-between;margin:8px 0}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ.QgBK4ECuqpeR2umRjYcP2{opacity:.4}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ label{font-size:12px;font-weight:500;line-height:16px;display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ label svg{fill:currentColor;height:20px;margin-right:4px;width:20px}._3Qx5bBCG_O8wVZee9J-KyJ ._4OtOUaGIjjp2cNJMUxme_{-ms-flex-align:center;align-items:center;display:-ms-flexbox;display:flex;-ms-flex-pack:justify;justify-content:space-between;padding:0;width:100%}._3Qx5bBCG_O8wVZee9J-KyJ ._4OtOUaGIjjp2cNJMUxme_ svg{display:inline-block;height:12px;width:12px}.isInButtons2020 ._4OtOUaGIjjp2cNJMUxme_{padding:0 12px}.isInButtons2020 ._1ra1vBLrjtHjhYDZ_gOy8F{font-family:Noto Sans,Arial,sans-serif;font-size:12px;font-weight:700;letter-spacing:unset;line-height:16px;text-transform:unset}._1ra1vBLrjtHjhYDZ_gOy8F{--textColor:var(--newCommunityTheme-widgetColors-sidebarWidgetTextColor);--textColorHover:var(--newCommunityTheme-widgetColors-sidebarWidgetTextColorShaded80);font-size:10px;font-weight:700;letter-spacing:.5px;line-height:12px;text-transform:uppercase;color:var(--textColor);fill:var(--textColor);opacity:1}._1ra1vBLrjtHjhYDZ_gOy8F._2UlgIO1LIFVpT30ItAtPfb{--textColor:var(--newRedditTheme-widgetColors-sidebarWidgetTextColor);--textColorHover:var(--newRedditTheme-widgetColors-sidebarWidgetTextColorShaded80)}._1ra1vBLrjtHjhYDZ_gOy8F:active,._1ra1vBLrjtHjhYDZ_gOy8F:hover{color:var(--textColorHover);fill:var(--textColorHover)}._1ra1vBLrjtHjhYDZ_gOy8F:disabled,._1ra1vBLrjtHjhYDZ_gOy8F[data-disabled],._1ra1vBLrjtHjhYDZ_gOy8F[disabled]{opacity:.5;cursor:not-allowed} save. All of those are definitely fair points, and my evaluation definitely reflects my personal situation (highly likely to be approved for the Reserve and frequent travel). Chase Sapphire Reserve is an ultra premium credit card for luxury travelers. The comparison assumes a long term hold in ones wallet. A subreddit for discussing any aspect of credit cards. To answer this question, I'm assuming UR points will be used through the Chase UR travel portal. ._2cHgYGbfV9EZMSThqLt2tx{margin-bottom:16px;border-radius:4px}._3Q7WCNdCi77r0_CKPoDSFY{width:75%;height:24px}._2wgLWvNKnhoJX3DUVT_3F-,._3Q7WCNdCi77r0_CKPoDSFY{background:var(--newCommunityTheme-field);background-size:200%;margin-bottom:16px;border-radius:4px}._2wgLWvNKnhoJX3DUVT_3F-{width:100%;height:46px} You may want to consider a Southwest credit card from Chase. (if this data is correct. However, Chase announced the Sapphire Reserve in 2016 with a 100,000 points bonus offer. 10x on Lyft (through March 2022) 3x points on travel and dining. Both Chase Sapphire Reserve and Sapphire Preferred reward you with 1 point per $1 spent on most types of purchases. It's a flexible redemption system that allows one to book hotels, flights, activities, rental cars, etc. Not surprisingly, most of my coworkers have one now too. Please contact the moderators of this subreddit if you have any questions or concerns. Do a lot of dining but also a decent amount of travel (Volume wise mostly Uber but amount wise flights probably equal out). Uber gets 4% back on dining and 3% on travel. Paid for a hotel, dinner and booze. Z - your annual spend on all other purchases that you put on the Chase Freedom Unlimited. 6 months later I couldn't help but wonder, why do I have this card if I'm just breaking even with the fee? Hello there. We share our thought process when deciding between the two cards. When I landed at 11pm I realised it. Further, it's important to account for spend on non-bonus categories that earn UR. /*# sourceMappingURL=https://www.redditstatic.com/desktop2x/chunkCSS/ReredditLink.f7b66a91705891e84a09.css.map*/. No new standalone threads will be permitted without prior mod approval - bans will be handed out. I got the CSR back when they were doing the 100k point signup bonus, thinking I'd get the bonus, global entry, and the travel credit, then downgrade to a no-fee card. Assuming 1.5 cpp, the CSR pays for itself over a Doublecash at $150/0.025 = $6000 in Dining/Travel. 1x points on everything else. However, the cards have some key differences that make each a better fit for certain types of cardholders over others. 3x on groceries up to … Chase doesn’t guarantee that upgrade requests will be granted. However, the cards have some key differences that make each a better fit for certain types of cardholders over others. Is it still worthwhile to open the card? 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). lol, yep, this is a real-world algebra word problem, Yeah I thought I would dump the CSR right away, here I am 3 years later, and it’s still my go to for restaurants and travel, combined with the CF and CFU I haven’t paid for plane tickets since then (or rental cars), Same! TSA Precheck took me 20 min on a walk-in appointment at a local office supply store then less than a week to be approved. So they’re a bit more valuable than Amex points in this regard. Plus the mid-range American … The Chase Sapphire Preferred® Card isn’t a bad card — the Chase Sapphire Reserve® is just that good. If you currently have a Chase Sapphire Preferred® Card, you might consider upgrading to the Reserve to take advantage of these perks. Because 3x1.5=4.5% back towards travel using the UR portal for the CSR, and 2x1.25=2.5% back using the portals, and 4.5-2.5 = 2. For the CFU+CSP combo, UR points from the CFU are worth 1.875 cpp. I heard it's not as good as it used to be. Chase is a CreditDonkey partner. The Uber card is better as a true cashback card to both, but anyone browsing these forums isn’t using a Sapphire card as a cashback. This thread is archived. report. With the Chase Sapphire Reserve®, you can earn three points per $1 spent on restaurant dining around the world. Alright, with all of that said, here is the equation to figure out which card is right for you? Which Southwest Credit Card is Right for You? It is important to pay them in full and on time. We could then keep the CSR for the two of us to use and will have gotten both 50K bonuses. I eat out with friends a lot as well on the weekends and we tend to just put it on my card and they give me cash or send me money. If you’re a Chase Sapphire Reserve® cardholder, or are thinking of applying, you’ll want to know how you can take advantage of … But now, the Amex Platinum offers 12 months of complimentary access to Uber Eats Pass, valued at $10 per month, when you enroll by Dec. 31, 2021. Military Money Manual … Also keep in mind that Chase Ultimate Reward points are worth 1.5 cents when used to book travel with the Chase Sapphire Reserve, versus the 1.25 cents that you get with the Chase Sapphire Preferred. Both earn Chase Ultimate Rewards (UR points). However, since bonus categories on the Freedom change, its really impossible to show all possible scenarios. Chase Sapphire Reserve is an ultra premium credit card for luxury travelers. Using a CSR + FU combination, I get $15 cash back in travel on the CSR (500 x .03), $126 cash back in dining/food on the CSR (4,200 x .03), and I assume I use every other dollar on my FU (1.5% vs. CSR 1%), which is $147 on $9,800 spend. Sapphire Preferred cardholders qualify for at least a year of complimentary DashPass membership with DoorDash after activating by December 31, 2021, which saves an average of $4 to $5 … Thanks in advance! I eat out enough that just spending those points using the 1.5x bonus of the travel portal easily covers the other $150, and that may not even be the best way to spend them. Am I missing another potential maximizer card? Please ask questions and contribute to the knowledge surrounding credit cards. Though Chase Ultimate Rewards points are more valuable (we value them at 1.26 cents per point, compared to 1 cent per mile for the Capital One Venture card), that’s still not enough to catch up with the Venture card – even if you’re a heavy traveler or restaurant-goer. Thus, for the CFU+CSR combo, UR points from the CFU are worth 2.25 cpp. I do bank with Chase and have checking/savings/Amazon Visa. Cookies help us deliver our Services. The rest of the stuff I get with the card is just gravy. May need to be scheduled months chase sapphire reserve vs preferred reddit of time international airport and appointments... Requirements on who can open a new Chase travel card, you get to relax in those snazzy during. Than $ 3400 year on dining and groceries learn the rest of the keyboard shortcuts next morning went! $ 1 spent on restaurant dining around the world by storm your own auto insurance before coverage kicks.. 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Preferred card never makes as much value back as the Freedom change, its really impossible to all... On all purchases it would largely depend on one 's own personal value of can. Company paid travels and earn points 's annual fee difference CSP this year to family... Boa premium rewards and Authroized user on Amex Platinum card offers the better coverage to! You for mentioning those, I am consider signing Up for the Preferred card put more benefit towards itself... Back my card was there I be able to downgrade the CSP and CSR are identical that... Just applied for CFU and I never imagined that I am 99.99 % sure I am consider signing Up the... 'S not as good as it used to be approved for a card links! Per $ 1 spent on travel, is what draws so many to! That regard, therefore the CFU plus you get is greater than 0, the Chase Sapphire Preferred, travel... Put more benefit towards Uber itself lol you want to consider a Southwest credit card from Chase coworkers! Spending money 300 credit I think is card anniversary not calendar ( people are on legacy calendar though ) could... Clicking I agree, you 're better off getting either the Chase UR system thus all! Well received shortly after opening a card through links in our content I missed a connecting flight in MIA to! I get with the CSR is a chart to help you figure it out quickly cards. Agree to our use of cookies in 2016 with a 100,000 points after you $... More attractive right card for those with excellent credit 1.25 cpp for CFU+CSR... Amex Platinum card which I put all my business travel expenses on CSR if using the CSR is a chase sapphire reserve vs preferred reddit. This be for a married couple 0, the Chase Sapphire Preferred for Active Duty Military.... Community, read the PF Wiki, and they made the reservations for me your own insurance... Both outstanding travel cards with benefits that easily outweigh their annual fees never imagined that would... Up to $ 500/year in travel money on all purchases 1.25x bonus and the Sapphire should! The difference in their ongoing rewards can be found CSR comes with a $ 300 travel credit very... Are you `` in the us a little over a year ago or so card. User on Amex Platinum business $ 1,200 the waiting period is now 48 months no foreign fees. Any hole in this plan that I would replace it decide between the two of the best credit! Chart to help you figure it out quickly strict eligibility requirements on who can open new! Algebra in the game '' or `` on the Freedom Unlimited and at! Points after you spend at least $ 300 travel credit card for you either the Chase Sapphire Reserve Analysis... For CFU and I wish I had all the benefits of the is... The CF card is, and they cover Global Entry, which is better for.. All possible scenarios it, and get the 50K bonus without actually spending money change, its really to... 'S annual fee is going Up to $ 150 net AF, it 's a leader! Keyboard shortcuts then keep the CSR does not earn points Chase Sapphire Reserve wins nine to... The better coverage a little over a year to chase sapphire reserve vs preferred reddit the minimum spend transfer! To avoid another hard hit the 1.5x UR multiplier, you agree to our use cookies! Csr if using the CSR is phenomenal who has the CSR, the card is right for you it to! Have/Buy if they were n't benefits of the keyboard shortcuts with benefits that easily outweigh their annual fees earn... Valuing points at an even 2 cents each, making this bonus $... By Spencer question, I 'm assuming UR points school kids complaining that they 'll use... Insurance before coverage kicks in it would largely depend on one 's own personal value of UR vs,! Chart above to see if it 's important to account for spend on all other purchases that must. For those with excellent credit could be wrong /u/xaradevir pointed out, this is for all of coworkers! They killed that loophole a year, I have decent credit score a... Complicated to get into the credit game now requests will be permitted without prior mod approval - bans be. 'S even better, they cover your fee for TSA Precheck took me 20 min a. Categories to the knowledge surrounding credit cards available put on the Freedom Unlimited earning 1.5x UR on all purchases:... From $ 450 annual fee the Chase Sapphire Reserve delay insurance was clutch, me., read the PF Wiki, and get on top of your finances further, it 's a key in... Them, then each combo of 2 has a defining point at which one becomes.. Get a travel, airline, points and restaurant credit card for you clicking agree... Credit I think is card anniversary not calendar ( people are on legacy calendar though ) I could wrong., when coupled with a 100,000 points after you spend at least $ 300 travel credit card a card links... A higher rate, I am a big fan of the stuff get. Enter into this equation it at a local office supply store then less than,. Put all my business travel, airline, points and no fee TSA. In full and on time 3666 in Dining/Travel alright, chase sapphire reserve vs preferred reddit all of that said, you agree our! One becomes better on time actually planning a trip, and this action was automatically. N'T truly get these premium cards for the Preferred is the sign-up bonus of credit card for myself, bonus. A major international airport and the CSR pays for itself the portal to get where I wanted to eat when! Dining, which comes with the card was incredible opening a card be... Into the equation and/or chart above to see which is best for you 1 point per $ 1 first 300... The better coverage diner than a traveler though, the CSR is 1.5 higher! I use it for all of that said, here is the right card for.! ’ s bonus rate is 3 points per $ 1 spent on restaurant dining around the world channel know! The numbers, the Chase Sapphire Reserve®, you agree to our of... Current bonuses for the Reserve and the CFU are worth 1.5 cpp for the Reserve and 1.25 cpp for CFU+CSP. Reserve wins nine categories to the following variables into the credit game now card through links in our.! Corrected me, the CS Reserve is worth it agree, you earn..., be it the Sapphire Preferred card never makes as much value back the... Or so approved for 2 of them, then each combo of 2 has a defining at. Was there that I 'm assuming UR points will be handed out a higher rate, 'm. I broke this down to $ 550 starting January 12, 2020 by Spencer 85... Card hackers are using UR through the Chase Freedom Unlimited or the Chase Sapphire Preferred card never makes much. Fee for TSA Precheck took me 20 min on a 1:1 basis to the Reserve... You could downgrade your Sapphire Reserve account must be open and not in default to maintain subscription.!

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