NOTE: The Chase Sapphire Terrace lounge will be closing in March 2025, so that will impact my value from the card in year 2. However, I hope AUS brings back a better Chase lounge soon. 🎁 25k Subscriber Giveaway Entry Form: spencerjohnsoncards.com/25kgiveaway
As an Austin area resident, that lounge shutting down will likely lead to me downgrading. It wasn’t great but it still provided value. I could see them opening another in the future but I’m sure that will be 2-3 years at the earliest.
@@brentcrow5633 That's fair! While it'll be a hit in value for me, it's not enough for me to immediately downgrade, but it'll definitely impact my total monetary value next year.
@@Adiscretefirm I believe it has to do with the Terrace lounge being a temporary lounge that they were testing in Austin. Since it's not a staple product in their network, I assume it wasn't prioritized. I could be wrong tho!
Underrated perk of Lyft Pink is the free first 45 minute on their bike share. I was able to get around Chicago on Divvy & New York on Citibike without having to pay anything extra.
I had the CSR two times, 48 months each time after the SUB, then cancelled and applied for a new Sapphire. Last year I got my 3rd SUB, and chose the CSP, because my Ritz-Carlton gives Sapphire Lounge access and an 85K AFN.
Love this card! Like you, I book a lot of domestic flights and hotels and having that 1.5x guaranteed with redemption is nice. Surprised at how difficult it can be to even get 1.5 with transfers with hotels. Keep up the good work!!
@ yea for Hyatt. But I also book Marriott, IHG, Hilton. Hyatt isn’t always available to book with points, nor is it everywhere. 1.5cpp it’s a fantastic fall back
I completely agree! Hyatt spoils us with the great redemption rates, but outside of that, the portal always seems to provide better value with the CSR. Thanks for watching!!
My husband and I are super fans of the CSR as well! We’ve yet to visit a Sapphire lounge, but with all the perks & benefits I don’t feel like I’m missing out. When we do get the chance to stop by a lounge I’m sure it’ll be the icing on the cake 🤗
That’s awesome to hear Jess! The lounge access is definitely nice, but it’s also great to know that it’s not a mandatory thing to have to get positive value from the card.
Love the CSR. Especially for the Lyft Pink credit! I use the Divvy bikes in Chicago as my primary mode of transportation in the warmer months so I love getting the membership free! Thanks for the video Spencer!
I just got the Sapphire Reserve, it is my 1st ultra premium credit card. As an Austin resident I was really disappointed to read that the Chase Lounge at Austin-Bergstrom was closing. I am hopefully that the new Chase lounge there will open sooner rather than later.
I love the travel credit. It is so easy to use even when you don't travel. It is good for taxis and parking garages and other things that you don't have to travel for.
My current lineup includes the Venture X, SaverOne, and CSP. I’m planning to upgrade the CSP to the CSR since my home airport is getting a Chase Lounge next year. However, I still have two years or so before I’m eligible for the signup bonus again. Should I just upgrade now?
One complaint I have is using the chase travel portal. I would love to use it but there seems to be some limitations vs booking direct. Such as bags when it comes to flights
Appreciate this video! The 1.5cpp floor is a big attraction for me as someone who does a lot of last minute domestic travel as well as someone who doesn’t like to jump through the transfer partner hoop on every booking. I’ll be upgrading my CSP. I recently jumped on the USBAR fomo wagon and picked it up before it was discontinued. What’s your thoughts on using the CSR alongside the USBAR?
I’m glad you found value in it! I love the 50% boost for my use cases as well. Good move on the USBAR as well! Hopefully it comes back around in the future. I’d probably use the USBAR as my catch all and then the CAR for everything else in your case. Let me know how you like the combo!
@@SpencerJohnsonOfficial Appreciate the reply Spencer! I'm optimistic it will be a simple but powerful combo. I'm thinking CSR for dining and travel, USBAR for catch-all Apple Pay and VX as catchall for everything non Apple Pay. Throw in a flex for 5% rotating categories and Ink Cash for 5% gift cards and I should be pretty well covered in 3 ecosystems for domestic, international and hotels. As always, keep up the great work and thanks for the value you add!
2:35 yes you do need a $10k limit. I PC’d from preferred to reserve over the phone and I had to request a credit limit increase and get to over 10k before they’d let me PC.
Do you think the Ritz Carlton would be a better card than the CSR? Based on the lounge access and better PP membership? I was thinking the Ritz with CSP would be a good duo.
Unless you live in Austin like he does. The Chase Terrace doesn't accept RC card. If most of your travel is booked through their portal the bonus might matter
I use the setup you mentioned RC Card, CSP, and also CFF and CFU but I live in Miami and could care less about the Chase lounges until we get one in Ft Lauderdale or MIA
It all depends on how you value the other perks. With the terrace lounge closing in March of 2025, I’ll have to evaluate this for myself. However, since I utilize the heck out of the 50% points boost, I still see a need for the CSR unless my strategy changes. It’s an interesting debate for sure!
The RC card is a good perks card to hold. As an actual usable earnings card it sucks because you’re getting Marriott points. (Unless that’s what you prioritize)
Is it worth it to pay 500 dollars for only going to mexico? We dont rent hotels. We dont eat outside food. The part in mexico random uber ride. No renting car. The part of mexico there no usa stores.
Since you’re such a Chase Fan, would you consider consolidating accounts/funds into JP Morgan Chase in order to qualify for Chase Sapphire Banking or Chase Private Client?
If I had enough money to qualify for one of those accounts then maybe so! It depends on what real return that gives. I keep all of my savings invested or in a HYSA which returns way better than any Chase account in my experience.
@@SpencerJohnsonOfficial JPMorgan offers a high yield savings account through their Wealth Management side. It's FDIC insured. Let me know if this helps.
In 2020 it jumped from $450 to $550, but we haven’t seen anything since. If they did that though, I’d expect some new credits to help offset the higher annual fee.
9:08 I also live in Austin. Having the Sapphire lounge is a nice feature; however, most of it is outside (hence, Terrace in the name). The vending machine food is surprisingly tasty and has been well stocked. The bar is disappointing…drinks are canned. Hours of operation are also limited, 10a-7p (as of last visit).
You shouldn’t have to wait long at all. You could probably even do it same day if you wanted, but I’d probably wait a few days just to ensure everything gets updated on their backend and you don’t have to go through reconsideration.
It’s one I’ll add one day, but it’s not one that fits my goals right now as I’ve discussed in other videos. I do plan on adding the Amex Business Platinum next year though for its massive offer and 35% points rebate feature.
I just got a freedom card and business ink within a day. Think I’m gonna go for this one next, still in between this and Citi Advantage Executive (because of the lounges and I fly AA non rev).
Wow that’s impressive! Be careful with your velocity, especially as it comes to your Chase 5/24 status, but I’m glad you’re able to get the cards you need right now!
AMEX has a 49 dollar statement credit if you spend 98 or more on walmart+ but its half off meaning its 49 bucks? Would Walmart+ end up being free or am I just tripping
4:58 Call me Lani shared that if you book United airlines thru the Chase travel portal, it’s considered as a cash paid transaction, i.e. you earn United frequent flyer miles. Have you tried this?
That’s true of any airline. Portals are same as cash from the airline side so put in your frequent flyer number to your loyalty program of choice and enjoy. The same is not true for hotels, sadly.
I had the CSR and product changed it to the CSP earlier this year in April. Then in October I product changed it back to the CSR. Didn't know that was possible but the representative let me do it.
It would’ve made me more hesitant for sure! However, I’d still get a ton of positive value from the card, especially with that 50% points boost, so I’d likely still have it.
I did a comparison of the CSR, VX, and Plat recently if you wanna check that out! I’ll definitely make a video down the line when I’m considering downgrading the VX.
Can I downgrade my CSP to Freedom Flex after the first year that I receive my welcome bonus, then reapply after 48 months or do I need to keep the CSP for the full 48 months then downgrade and reapply to get the welcome bonus again ?
Don't really care about Sapphire lounges since I fly out of Miami. I roll with American Airlines Executive MC and Amex Plat....I do roll with a chase trifecta of the CSP, CFF, and CFU
Yeah, Miami is an airport where a vanilla Priority Pass will do fine given their 2 Turkish lounges you can access with it. For me personally though CSR is a pretty big value prop as fairly frequently fly/connect to Boston on JetBlue and they have a Sapphire Lounge a short walk form JetBlue's gates.
@@AbesCreditPointers JFK is a lot more of a chore to access the Chase Sapphire Lounge via flying JetBlue though as it's in a separate terminal from the JetBlue gates and they're not connected airside so you have to go through the long TSA security line both to get to the lounge and then get to your gate.
Same here! I’m always happy to see them refresh cards in a good way, so fingers crossed on that even though it’s not a mandatory for me to get plenty of value from it.
Chase would be great if they had a card that actually provided a good multiplier on groceries. The 1.5 cents per point in the portal is priceless and really helps a lot. Last time I was in Austin the Chase Sapphire Terrace was closed because of rain and their indoor area is a joke, so small. I'm headed to Austin next week so I hope the weather is good enough to try out the Sapphire Terrace before it goes away in March. I literally upgraded to the CSR because of the priority pass restaurants and then they dropped that benefit, and now with the Sapphire Terrace going away, It made me decide I will be downgrading when the annual fee hits. After weighing my Chase Sapphire Reserve, Venture X and Amex Platinum.... My conclusion was that I'll only keep the Amex Platinum because it provides the most value.
I completely get where you’re coming from! I’d love to see a more permanent grocery category, but as Bill mentioned, the Freedom card limited time offers can come in clutch there. As for the Terrace lounge, it’s not as nice as a staple Chase lounge product, but I’m definitely not complaining about having access to it until March. I’m glad you’ve found a card that works better for you though! Thanks for sharing your thoughts Luis!
I don't see how you come out so far ahead on your EAF after you remove the 50% boost from the equation. Using the monetary value list (16:23) the EAF is -$46.64 no?
The Amex gold is easily my favorite card. That Dunkin and resy credit is a huge W for me. Uber eats and grub I use every month as a cheat meal lol. Which puts me at a net positive. Also the 4x on groceries and dining is huge. I just got approved for the amex platinum RIP on the 695 AF.....I may cancel it after year one but we will see. the 199 clear credit is nice plus I use hulu so the entertainment credit is nice the airline fee is easy to use since my mom uses the united lounge and pays for wifi and me as well. overall big value for me. and the biggest reason is the transfer partners. ANA as a transfer partner is a huge deal to me as I travel to japan for vacation. Cathay if I decide to use JAL. the only thing I dislike about the platinum is the hotel credit only applies to the more expensive properties on their hotel portal.
That’s awesome Brandon!! Finding a setup that works best for you is what we all try to do here, so I’m really glad you’ve been successful there. Thanks for sharing your experience with us!
In my experience, they prorate your annual fee on the CSR if you paid the CSP fee recently. It seems like they may refund you the CSP annual fee first based on the other comment here though.
Hopefully someone can clarify about the $10k limit. I don't meet that with my CSP, don't have other Chase cards to transfer from, and locked in Chase jail, lol.
I’d definitely look into asking for a credit limit increase if you can! 5/24 shouldn’t impact that. Or you can call Chase directly and ask about this when trying to product change.
DPs show it’s a requirement for Chase as it applies to the Ritz Carlton card too. You need a min $10K. The same should apply to the CSR because of Visa Infinite. The only Visa infinite that doesn’t have this $10K rule is the USBAR and another card I can’t remember.
@ Won’t be able to post a link to the article but check out Frequent Miler’s reporting on it. The title of the article: “Chase partially tanks “pay partial” trip cancellation insurance”
Thanks for bringing that to our attention! That doesn’t ruin the card for me by any means, especially because it’s a niche case in which you wouldn’t be covered, but it’s good to be aware of for sure. Luckily the card still has arguably the best protections in the game despite that partial change. I appreciate you being here so early btw! 🥉
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NOTE: The Chase Sapphire Terrace lounge will be closing in March 2025, so that will impact my value from the card in year 2. However, I hope AUS brings back a better Chase lounge soon.
🎁 25k Subscriber Giveaway Entry Form: spencerjohnsoncards.com/25kgiveaway
As an Austin area resident, that lounge shutting down will likely lead to me downgrading. It wasn’t great but it still provided value. I could see them opening another in the future but I’m sure that will be 2-3 years at the earliest.
I was just going to comment to this effect, sorry.
@@SpencerJohnsonOfficial what's the story behind the terrace being the only Chase lounge that didn't give entrance to the Ritz card?
@@brentcrow5633 That's fair! While it'll be a hit in value for me, it's not enough for me to immediately downgrade, but it'll definitely impact my total monetary value next year.
@@Adiscretefirm I believe it has to do with the Terrace lounge being a temporary lounge that they were testing in Austin. Since it's not a staple product in their network, I assume it wasn't prioritized. I could be wrong tho!
Underrated perk of Lyft Pink is the free first 45 minute on their bike share. I was able to get around Chicago on Divvy & New York on Citibike without having to pay anything extra.
This perk is only available at certain locations. I’m in LA, huge city, and not available.
That’s great if you’re in a location that provides that benefit, that’s for sure!
I had the CSR two times, 48 months each time after the SUB, then cancelled and applied for a new Sapphire. Last year I got my 3rd SUB, and chose the CSP, because my Ritz-Carlton gives Sapphire Lounge access and an 85K AFN.
That’s awesome! Thats a great way to keep earning UR points while maximizing value through the Ritz card at the same time.
Love the vids. U helped me get a 761 score and get approbed for 3 cards. About to get a 4th.
That's so great to hear! I really appreciate your support, and congrats on your new cards!
Love this card! Like you, I book a lot of domestic flights and hotels and having that 1.5x guaranteed with redemption is nice. Surprised at how difficult it can be to even get 1.5 with transfers with hotels. Keep up the good work!!
Odd comment considering it's difficult to get less value than that when answering to Hyatt.
@ yea for Hyatt. But I also book Marriott, IHG, Hilton. Hyatt isn’t always available to book with points, nor is it everywhere. 1.5cpp it’s a fantastic fall back
I completely agree! Hyatt spoils us with the great redemption rates, but outside of that, the portal always seems to provide better value with the CSR. Thanks for watching!!
My husband and I are super fans of the CSR as well! We’ve yet to visit a Sapphire lounge, but with all the perks & benefits I don’t feel like I’m missing out. When we do get the chance to stop by a lounge I’m sure it’ll be the icing on the cake 🤗
That’s awesome to hear Jess! The lounge access is definitely nice, but it’s also great to know that it’s not a mandatory thing to have to get positive value from the card.
Love the CSR. Especially for the Lyft Pink credit! I use the Divvy bikes in Chicago as my primary mode of transportation in the warmer months so I love getting the membership free! Thanks for the video Spencer!
Heck yeah man! That’s awesome. The Lyft Pink membership is definitely a perk I’m happy to have and wouldn’t have known about without getting the card.
Austin Airport is losing the Sapphire Lounge in March
Yep! That’s in the pinned comment. It’s unfortunate but it was never meant to be a permanent lounge so hopefully they end up making a bigger one soon.
I just got the Sapphire Reserve, it is my 1st ultra premium credit card. As an Austin resident I was really disappointed to read that the Chase Lounge at Austin-Bergstrom was closing. I am hopefully that the new Chase lounge there will open sooner rather than later.
@ I read it’s more than likely a new one will open in the future. It was always meant to be a temporary location.
Thank u I just found out the Austin is closing :(
@@JoshuaVisi Definitely unfortunate timing! However, hopefully you'll still get plenty of value from the card without that lounge in the meantime.
Nice! I love the direction this channel is going in.
Thank you so much for saying that Mark! I’ve been trying to be very intentional with each upload, so that’s great to hear you say.
Thank you Spencer! I've been trying to decide if I should apply for the CSP or the CSR. Great video!
I love the travel credit. It is so easy to use even when you don't travel. It is good for taxis and parking garages and other things that you don't have to travel for.
Absolutely! I have a video breaking down the differences between the two if you want to watch that before finalizing your decision.
@@SpencerJohnsonOfficial I will watch it! Thanks again!
My current lineup includes the Venture X, SaverOne, and CSP. I’m planning to upgrade the CSP to the CSR since my home airport is getting a Chase Lounge next year. However, I still have two years or so before I’m eligible for the signup bonus again. Should I just upgrade now?
One complaint I have is using the chase travel portal. I would love to use it but there seems to be some limitations vs booking direct. Such as bags when it comes to flights
I haven’t run into any issues with that at all, but I also never check a bag, so there’s that 😆
I wished Lyft pink was extended beyond 2 years. I probably will continue to use it and pay for it but id like to continue it's value from the card
Agreed! But at least you get it 50% off in year 3 I guess.
What if travel lounges are less important to me but I still travel and dine out frequently. Does CSR still make sense?
Great overview of the card and happy to see you are getting great value from the CSR! Keep up the work brotha!🫵
Much appreciated mi hermano! I appreciate your support as always 🫡
Def a keeper. Great vid, Spencer!
Agreed. Thank you Lani!
Appreciate this video! The 1.5cpp floor is a big attraction for me as someone who does a lot of last minute domestic travel as well as someone who doesn’t like to jump through the transfer partner hoop on every booking. I’ll be upgrading my CSP. I recently jumped on the USBAR fomo wagon and picked it up before it was discontinued. What’s your thoughts on using the CSR alongside the USBAR?
I’m glad you found value in it! I love the 50% boost for my use cases as well. Good move on the USBAR as well! Hopefully it comes back around in the future. I’d probably use the USBAR as my catch all and then the CAR for everything else in your case. Let me know how you like the combo!
@@SpencerJohnsonOfficial Appreciate the reply Spencer! I'm optimistic it will be a simple but powerful combo. I'm thinking CSR for dining and travel, USBAR for catch-all Apple Pay and VX as catchall for everything non Apple Pay. Throw in a flex for 5% rotating categories and Ink Cash for 5% gift cards and I should be pretty well covered in 3 ecosystems for domestic, international and hotels. As always, keep up the great work and thanks for the value you add!
@@rdj333 That sounds like a great plan! Definitely keep me updated. Thanks so much for the kind words as well!
2:35 yes you do need a $10k limit. I PC’d from preferred to reserve over the phone and I had to request a credit limit increase and get to over 10k before they’d let me PC.
Thanks so much for confirming!!
Do you think the Ritz Carlton would be a better card than the CSR? Based on the lounge access and better PP membership? I was thinking the Ritz with CSP would be a good duo.
Unless you live in Austin like he does. The Chase Terrace doesn't accept RC card. If most of your travel is booked through their portal the bonus might matter
@@Adiscretefirm Terrace closing 3/25
I use the setup you mentioned RC Card, CSP, and also CFF and CFU but I live in Miami and could care less about the Chase lounges until we get one in Ft Lauderdale or MIA
It all depends on how you value the other perks. With the terrace lounge closing in March of 2025, I’ll have to evaluate this for myself. However, since I utilize the heck out of the 50% points boost, I still see a need for the CSR unless my strategy changes. It’s an interesting debate for sure!
The RC card is a good perks card to hold. As an actual usable earnings card it sucks because you’re getting Marriott points. (Unless that’s what you prioritize)
Is it worth it to pay 500 dollars for only going to mexico?
We dont rent hotels.
We dont eat outside food.
The part in mexico random uber ride.
No renting car.
The part of mexico there no usa stores.
I've been using CSP for traveling and it has helped rack up alot of UR pts.
That's great! Maybe one day the CSR will make sense for you.
@ maybe but the AF is expensive
Since you’re such a Chase Fan, would you consider consolidating accounts/funds into JP Morgan Chase in order to qualify for Chase Sapphire Banking or Chase Private Client?
If I had enough money to qualify for one of those accounts then maybe so! It depends on what real return that gives. I keep all of my savings invested or in a HYSA which returns way better than any Chase account in my experience.
@@SpencerJohnsonOfficial JPMorgan offers a high yield savings account through their Wealth Management side. It's FDIC insured. Let me know if this helps.
Love your videos
Thank you so much man!
I sw that they were gonna close the chase sapphire terrace lounge in austin.
Yep! That’s reflected in the pinned comment. Hopefully they’ll bring a permanent Chase lounge to Austin tho!
Great video Spencer! Has Chase ever increased their annual fees on these Sapphire cards? Or do you see that coming in the future?
In 2020 it jumped from $450 to $550, but we haven’t seen anything since. If they did that though, I’d expect some new credits to help offset the higher annual fee.
Thanks Spencer!
Thank you so much for watching today man! 🥈
9:08 I also live in Austin. Having the Sapphire lounge is a nice feature; however, most of it is outside (hence, Terrace in the name). The vending machine food is surprisingly tasty and has been well stocked. The bar is disappointing…drinks are canned. Hours of operation are also limited, 10a-7p (as of last visit).
Yep!! It’s a great place to stop in for a quick bite/drink but not super extensive. Hopefully they replace it with a better one in Austin soon!
7:13 I have difficulty using Lyft Internationally. Seems Uber has made some ‘deals’ with taxi services. What’s your experience?
Agree, no Lyft in Mexico.
I’ve generally had to use Uber abroad as well. Having an account with both Uber and Lyft is key!
It’s been more than 4 years since I’ve had a CSP/CSR. IF i were to downgrade, how long do I wait before I can reapply for the CSR?
You shouldn’t have to wait long at all. You could probably even do it same day if you wanted, but I’d probably wait a few days just to ensure everything gets updated on their backend and you don’t have to go through reconsideration.
Spencer I really love your channel. Why don’t you have the Amex platinum?
It’s one I’ll add one day, but it’s not one that fits my goals right now as I’ve discussed in other videos. I do plan on adding the Amex Business Platinum next year though for its massive offer and 35% points rebate feature.
@ thanks so much for responding. I really love you channel. Found it a few weeks ago
@@kamkarter8821 Of course! I truly appreciate your support.
Amazing vid!
Good work as usual
Thanks so much as always!
when you book through the portal do you get a good receipt that can be used for Travel Expense? I have heard it is difficult
They provide a summary screen you can screenshot if you needed. Since I always pay in points, I haven’t tried emailing myself a receipt or anything.
Thanks!
I just got a freedom card and business ink within a day. Think I’m gonna go for this one next, still in between this and Citi Advantage Executive (because of the lounges and I fly AA non rev).
Wow that’s impressive! Be careful with your velocity, especially as it comes to your Chase 5/24 status, but I’m glad you’re able to get the cards you need right now!
AMEX has a 49 dollar statement credit if you spend 98 or more on walmart+ but its half off meaning its 49 bucks? Would Walmart+ end up being free or am I just tripping
4:58 Call me Lani shared that if you book United airlines thru the Chase travel portal, it’s considered as a cash paid transaction, i.e. you earn United frequent flyer miles. Have you tried this?
That’s true of any airline. Portals are same as cash from the airline side so put in your frequent flyer number to your loyalty program of choice and enjoy.
The same is not true for hotels, sadly.
Colin answered it just how I would’ve! The strategy you described is exactly what I was talking about doing with SW.
I had the CSR and product changed it to the CSP earlier this year in April. Then in October I product changed it back to the CSR. Didn't know that was possible but the representative let me do it.
That’s great to know! Thanks for the data point Tommy.
If you had a centurion lounge or capital one lounge would you still have gotten the CSR?
It would’ve made me more hesitant for sure! However, I’d still get a ton of positive value from the card, especially with that 50% points boost, so I’d likely still have it.
You should make a video of the comparisons between the CSR and the Venture X!
I did a comparison of the CSR, VX, and Plat recently if you wanna check that out! I’ll definitely make a video down the line when I’m considering downgrading the VX.
Can I downgrade my CSP to Freedom Flex after the first year that I receive my welcome bonus, then reapply after 48 months or do I need to keep the CSP for the full 48 months then downgrade and reapply to get the welcome bonus again ?
You don’t have to keep the CSP for the full 48 months. The rule only applies to when you received the bonus on a Sapphire card last.
I wish sapphire lounges were applicable for me. I’ve always wanted this card but instead applying for CSP before the limited time offer expires
I get that! Hopefully they continue to expand the network over the coming years.
Don't really care about Sapphire lounges since I fly out of Miami. I roll with American Airlines Executive MC and Amex Plat....I do roll with a chase trifecta of the CSP, CFF, and CFU
That makes a ton of sense! Gotta use the setup that works best for you.
Think idk if ft laud or Miami has a turkish lounge. I think I can access with the reserve.
Yeah, Miami is an airport where a vanilla Priority Pass will do fine given their 2 Turkish lounges you can access with it. For me personally though CSR is a pretty big value prop as fairly frequently fly/connect to Boston on JetBlue and they have a Sapphire Lounge a short walk form JetBlue's gates.
@@bencalebrod in my family they always vacation to New York soo hahaha.
@@AbesCreditPointers JFK is a lot more of a chore to access the Chase Sapphire Lounge via flying JetBlue though as it's in a separate terminal from the JetBlue gates and they're not connected airside so you have to go through the long TSA security line both to get to the lounge and then get to your gate.
I prefer the CSR over the Plat daddy and VX. I just hope in the future offer more credits to offset the reminding $250 annual fee.
Same here! I’m always happy to see them refresh cards in a good way, so fingers crossed on that even though it’s not a mandatory for me to get plenty of value from it.
CSR for the win! Our kids like it for the Apple bonus 🤣🤣🤣 Thanks for the info + video!
Hahah I feel that man! My whole business really appreciates those Apple bonuses 😂 Thanks for watching as always!
Chase would be great if they had a card that actually provided a good multiplier on groceries. The 1.5 cents per point in the portal is priceless and really helps a lot. Last time I was in Austin the Chase Sapphire Terrace was closed because of rain and their indoor area is a joke, so small. I'm headed to Austin next week so I hope the weather is good enough to try out the Sapphire Terrace before it goes away in March. I literally upgraded to the CSR because of the priority pass restaurants and then they dropped that benefit, and now with the Sapphire Terrace going away, It made me decide I will be downgrading when the annual fee hits. After weighing my Chase Sapphire Reserve, Venture X and Amex Platinum.... My conclusion was that I'll only keep the Amex Platinum because it provides the most value.
The freedoms have had for several years new card sign up bonus with x5 in groceries and gas for first year. Im on year 3 of this offer.
I completely get where you’re coming from! I’d love to see a more permanent grocery category, but as Bill mentioned, the Freedom card limited time offers can come in clutch there. As for the Terrace lounge, it’s not as nice as a staple Chase lounge product, but I’m definitely not complaining about having access to it until March. I’m glad you’ve found a card that works better for you though! Thanks for sharing your thoughts Luis!
I don't see how you come out so far ahead on your EAF after you remove the 50% boost from the equation. Using the monetary value list (16:23) the EAF is -$46.64 no?
that's 550 - (300 + 185.5 + 81.14 +30) = -46.64
You got the right idea, but gotta include the value from all the points I earned as well!
The Amex gold is easily my favorite card. That Dunkin and resy credit is a huge W for me. Uber eats and grub I use every month as a cheat meal lol. Which puts me at a net positive. Also the 4x on groceries and dining is huge. I just got approved for the amex platinum RIP on the 695 AF.....I may cancel it after year one but we will see. the 199 clear credit is nice plus I use hulu so the entertainment credit is nice the airline fee is easy to use since my mom uses the united lounge and pays for wifi and me as well. overall big value for me. and the biggest reason is the transfer partners. ANA as a transfer partner is a huge deal to me as I travel to japan for vacation. Cathay if I decide to use JAL. the only thing I dislike about the platinum is the hotel credit only applies to the more expensive properties on their hotel portal.
That’s awesome Brandon!! Finding a setup that works best for you is what we all try to do here, so I’m really glad you’ve been successful there. Thanks for sharing your experience with us!
Let’s say I have the CSP for 14 months then product change to CSR. Am I charged the $550 right after paying the $95 fee?
I had the same situation. I was refunded the $95 and then charged the $550
In my experience, they prorate your annual fee on the CSR if you paid the CSP fee recently. It seems like they may refund you the CSP annual fee first based on the other comment here though.
Hopefully someone can clarify about the $10k limit.
I don't meet that with my CSP, don't have other Chase cards to transfer from, and locked in Chase jail, lol.
You may be able to request an increased credit limit
I’d definitely look into asking for a credit limit increase if you can! 5/24 shouldn’t impact that. Or you can call Chase directly and ask about this when trying to product change.
DPs show it’s a requirement for Chase as it applies to the Ritz Carlton card too. You need a min $10K. The same should apply to the CSR because of Visa Infinite.
The only Visa infinite that doesn’t have this $10K rule is the USBAR and another card I can’t remember.
Chase is building a lounge at LAX. Hopefully it gets opened soon.
That’ll be great!!
Chase nerfed the most important and useful travel protection on the CSR which is pretty significant.
Which protection is that
@
Won’t be able to post a link to the article but check out Frequent Miler’s reporting on it. The title of the article:
“Chase partially tanks “pay partial” trip cancellation insurance”
Thanks for bringing that to our attention! That doesn’t ruin the card for me by any means, especially because it’s a niche case in which you wouldn’t be covered, but it’s good to be aware of for sure. Luckily the card still has arguably the best protections in the game despite that partial change. I appreciate you being here so early btw! 🥉
@ Good video. Love your channel.
Which one?
Get an Amex platinum bro
I’ll get one for the SUB at the very least one day.
never say never
Gotta throw (probably) in there for that reason!
Let's gooo
🫡🫡
😊
The reigning champ! 👑
Spencer is gonna be nice about it and ASK y’all to subscribe. I’m not: you better subscribe.
Hahah I appreciate you a ton man!! We’re getting real close to 25k which is super exciting.