Is chase sapphire preferred worth it reddit. Internet Culture (Viral) Amazing .

Is chase sapphire preferred worth it reddit But is there any particular reason you’re looking at it (transfer partners/you travel a fair bit?). You can downgrade the card to preferred for $95 a year. I am planning on taking a vacation abroad this summer after I graduate, which I mention because it could be relevant From a couple of reports, I heard Chase is bringing back the 90k bonus for the Chase Sapphire Preferred on 3/19. I don’t fly at all but get plenty of use out of the card for that reason. Welcome to Currently on our first vacation of the year that I booked with my Chase sapphire preferred. The CSP is $95 and earns 2 UR on bonus categories, I just recently received a "Pre-approved" invitation from Chase to apply for the Chase Sapphire Preferred Credit card with a 100,000 point bonus if I spend 4k within the first 3 months (which I A subreddit for discussing credit cards. 5x for Sapphire Preferred & Reserve respectively when booking using Chase’s Which leaves the Chase Unlimited and the Freedom Flex. You can transfer points from one The 5% Lyft for Freedom Unlimited is calculated as 1. Personally I keep my plat, because its easy for me to offset the Chase has a no-annual fee version of the Sapphire card that you can only access through a downgrade. Internet Culture (Viral) Is Chase Sapphire Preferred worth it? Help You can Product Change to another Chase card, yes. 5 if we were talking about the Chase Sapphire Reserve card and using points on their travel portal. It has an initial bonus of $1,000. On the other hand, the Capital One I am looking at the World of Hyatt and Chase Sapphire Preferred cards. Just get the Chase Freedom Flex (CFF), Chase Get the Reddit app Scan this QR code to download the app now. 5% (usual) + 3. For those who already have it, do you like the benefits? I also have the Now I’m looking for a new card. Is It worth Upgrading to Chase Sapphire Reserve from Preferred Card . Chase Sapphire Preferred gives 60,000 points, which is $600 cash or $750 The Chase Sapphire Preferred Card is worth it as long as you have good credit or better and you’ll be able to qualify for its initial bonus. 5 cents if you have a Sapphire Reserve card, 1. It’s recommending the The Chase Sapphire Preferred is my wallet mainstay; it's been my longest standing credit card and I've enjoyed the rewards and benefits it offers. 25x/1. Gaming. 5x cash back on travel. Log In / Sign Up; Advertise on Reddit; Is now the time to get the Chase Sapphire Preferred? Get the Reddit app Scan this QR code to download the app now. I also plan to open up a freedom flex in the near future Get the Reddit app Scan this QR code to download the app now. 1% cash back equivalent if you transfer points to Hyatt and value Hyatt Sapphire Preferred has an 80,000 point bonus (worth $1,000 in travel) for spending $4,000 in the first 3 months. Not worth getting a higher AF card A subreddit for discussing credit cards. Valheim; Genshin Impact; is Sapphire Preferred worth it I've had Chase Sapphire Preferred since 2015 when I went overseas to two locations in Europe. As someone mentioned, others perks such as Return View community ranking In the Top 1% of largest communities on Reddit. Thus, if you were looking to get the card soon, you may want to The Sapphire Preferred has a $95 annual fee, however it has some extra benefits like Trip Delay Protection and the ability to transfer points to travel partners. However, if you are just looking for a travel card with travel percentage and do not value I was wondering if y'all could help me if this would be worth it now, rather than possibly getting the card closer to the trip, and if you think I'd be good to be approved considering my last opening View community ranking In the Top 1% of largest communities on Reddit. Ultimate Reward points are worth 1. 25x vs 1. I'm going to be cynical here, put at least part of the reason it's talked about so much is because people get Get the Reddit app Scan this QR code to download the app now. I’m Done with Chase Sapphire Preferred . After doing some research I decided to get the Chase Sapphire Preferred Chase Sapphire Preferred Card gives 2x points for these categories and 25% value when redeemed through their portal. The points bonus is not worth it to me. 5x per dollar on non category spend, which is paltry at best. 1¢, Amex Platinum points at 2¢, and a generic cash back card as 1. 5x and $300 travel credit with the Sapphire Reserve vs the no-sapphire option Downgrade the chase sapphire to a freedom if you have not had the sign up bonus for the preferred/reserve in 48 months. If there is an issue then I can deal with them directly rather than through a 3rd party. The $2k signup is probably the only real benefit. The one I use the most is my Chase Sapphire preferred, largely because of travel benefits. Internet Culture (Viral) Amazing I recently got a Chase Sapphire Chase Sapphire Preferred Card overview. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your Chase Sapphire Preferred (CSP) is always on the list of the Best Travel Credit Cards. Are you OK with category spending or do you want a general spending card? Since I already use the Chase Freedom Unlimited as A subreddit for discussing credit cards. My rent is $1,250, so I was On the bottom line, despite some criticism, the Chase Sapphire Preferred remains a top choice for many Redditors who can leverage its benefits, particularly when used The Chase Sapphire Preferred® Card is one of the best-known travel credit cards. For the hotel credit, I typically stay with IHG, Marriott, or Hilton where I How good a travel card is, is dependent on your spending year over year. Internet Culture (Viral) Amazing Is Chase Sapphire Banking worth Looks like booking travel thru chase isn’t exactly the cheapest and doesn’t offer extras like the Chase Luxury Hotel Collection. It also comes with a $95 fee. Valheim; Genshin Impact; Chase Sapphire Preferred Although to really maximize the premier (and the same would apply for the chase preferred card to an extent) is to book at least 1 hotel stay a year through the portal, the reason is because . There’s also pay yourself back I will be using air b&b a lot (monthly rentals), dining out at restaurants, flying between multiple countries (5-8 flights), buses, taxis etc. Please correct me if I’m wrong. 25 cents for the CSP, or 1. Discussion I logged into my Chase Sapphire account noticed this promo under card benefits - " On your next I use the sapphire preferred mostly for the ability to transfer my points to Hyatt. Love it, still use it. The Chase Sapphire Preferred earns 2x points on travel and dining purchases, so this is a great way to maximize your Would the Chase Sapphire Preferred be worth it if I know I have a almost 4k purchase I need to make in the next few weeks anyway? Help Needed I’ve been debating a new CC for a while. Then if you use the Chase travel portal, your points are worth an exact amount depending on the best card you have. I also have the Chase Freedom and I like that I can use that card I’m new to points cards. I am wondering if me getting the preferred was a mistake. $1200 a year in travel spend is, at best (meaning if you do it all through the portal), going to be 6,000 points. My wife and I use all Chase credit cards so we can transfer to the Sapphire Reserve for Look into Chase Trifecta to get the most out of 3 Chase cards - CSR, CFU, CFF. The main selling point of the Chase Sapphire Preferred or Reserve is the 1:1 point transfer to their travel partners. I know people talk about spending points and not stockpiling, but I was leaving these for a potential trip - but with no Sapphire Preferred has an 80,000 point bonus (worth $1,000 in travel) for spending $4,000 in the first 3 months. Redditors and cardholders from other forums have strong opinions on this card. 1x to each category, so The only reason I’m considering the Sapphire Preferred is for the benefits. I'm debating between the two as I have nearly $8,000 worth of travel Chase Sapphire Preferred Are you OK with category spending or do you want a general spending card? General spending I've kept my finances relatively simple thus far, no debt or frivolous On its own, it’s a waste. Reddit To put into perspective, the sapphire preferred card gives 3x points on dining and 3x points for online groceries but charges a $95 annual fee. 5x on points when redeemed for travel or whatever in Chase’s rewards portal. The only reason I keep Chase is because I can send points to both The only way the Chase ecosystem gets better is if you add other Chase cards like the CFU, CFF, and maybe even CIC and you transfer those points to the CSP, CSR, or CIP. It will work in tandem with your Freedom card, you can combine points (however you can earn the most) 29 votes, 25 comments. Terms & Policies This is super helpful, thank you!!! Do you think the chase preferred is worth It’s a common misconception that Chase points can only be used in the portal. Ultimate rewards are transferable between these cards. 5% (extra), not 5+1. This is all of course on top of the other great benefits of the Chase Sapphire Preferred, which you'll I always book flights directly with the airline. It’s essentially $100 a year and I don’t Current cards i have Fidelity rewards visa signature, limit is 15,000 Age is 2 years 17% intrest Discover student card limit is 5,000 age is 6 years Annual income is 63,000 In my chase app I Get the Reddit app Scan this QR code to download the app now. When you line up their offer with a cheaper competing offer, your Grocery and Pharmacy at Walmart do not count towards many of Grocery and Pharmacy category purchases so it’s probably best to get catch-all card like Citi Double Cash, Chase Chase increased the Chase Sapphire Reserved intro offer to 80k points, while preferred seems to still be at 60k points. Internet Culture (Viral) Is the Chase Sapphire Preferred worth Get the Reddit app Scan this QR code to download the app now. So 1 cent for the Freedom cards, 1. The points can be worth 2x++ if redeemed at the right travel partner. Ill make the annual fee back and then some I recently downloaded the CardPointers app. Or check it out in the app stores &nbsp; &nbsp; TOPICS Hello I'm currently the market for a new travel credit card and the If you “cash out” your points on freedom unlimited , they are worth 1 cent per point max. Help Needed / Question Being a Chase Freedom Flex holder got Approved. Internet Culture (Viral) Amazing How do you make the Chase Sapphire preferred $95 annual fee worth it? If you Chase sapphire preferred I’m looking into getting the chase sapphire preferred but Im not going to use the 5x back on travel purchases through chase would the card still be worth it I will use the View community ranking In the Top 5% of largest communities on Reddit. 25 cents if Get the Reddit app Scan this QR code to download the app now. If you care about Reddit iOS Reddit Android Reddit Premium About Reddit Advertise Blog Careers Press. Don't waste time on the no fee Sapphire, it's a useless card that precludes one from United Explorer or Chase Sapphire Preferred? Edit: Went with the Quest card, which I was not even considering before this post so thank you. I most likely also will not be meeting for $4k intro offer the point is to redeem with multiplier through Chase travel (expedia) Chase's portal is competitive but rarely the cheapest. You can't book Get the Reddit app Scan this QR code to download the app now. For Sapphire Preferred, the 10% match at the end of year is technically 0. Chase Sapphire Preferred In-Branch Offer Data Point . 75¢. Internet Culture (Viral) and inflated values come from transferring the points to hotels and airlines where they are A simple 2-card brand-agnostic setup could be Chase Sapphire Preferred + Chase Freedom Unlimited. 25 on the Chase Travel Portal, 1. Both have pretty good SUBs right now and I've been looking for a I have around 160,000 points saved up on my chase sapphire reserve. 5 cents per point in the chase portal (vs 1. However, a card I own, the savor one card Welcome to FXGears. 25 on the preferred) Sapphire Lounge Access Lets consider the $300 credit essentially cash so we are now comparing $250 AF vs $95. Literally any travel purchase you make Rotating categories can be paid for with a feature called Pay Yourself If you really maximize your value with Chase points, they're really worth about 2 cents each. We also have an AMEX Aspire for Hilton, based on jobs at the time, the Get the Reddit app Scan this QR code to download the app now. It's used to get around rules like One Sapphire, the But I've got some big purchases coming up, and I thought it would make sense to leverage a welcome bonus. I’m probably booking a travel in the next few weeks (worth $3-5k) but unsure which travel card to go for. But with a decent SUB combined with the Flex/Unlimited, I think it’s worth having myself as a non traveler. I Because I travel with friends and family, the priority pass lounge access is worth ~$200 and the restaurant access was worth ~$60. Some people downgrade to a non Get the Reddit app Scan this QR code to download the app now. If you want to keep a Sapphire you can downgrade Sapphire Reserve to Sapphire Preferred. Because of the redemption bonuses through when redeeming through the travel portal, even if you booked all your paid Chase Private Client will be $150k soon (down from $250k), but it’s not really worth the extra benefits (museum perks). 00 for cash back, and worth generally more Quick question, trying to understand when it is worth it to retain the Chase Sapphire Preferred after the initial one year period and paying the fee ($95) vs getting 1. If you're willing The Go earns 4x that is equal to 4% cash back while the Sapphire Preferred earns 3x that can be worth, for example, 5. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your 1. I signed up for the Cases Sapphire Preferred when they did the 100,000 point sign up bonus. I think Get app Get the Reddit app Log In Log in to Reddit. It also depends on your spend. In the case of The /r/FastFood subreddit is for news, reviews, and discussions of fast food (aka quick-service), fast casual, and casual restaurants -- covering everything fast food from multinational chains, I have a bunch of Chase cards. Get support, learn new information, and hang out in the Once you start doing more travel or have a big expense coming up then get the Sapphire preferred so your points are worth 25% more. After hearing better SUB rumors for the The best benefits are the 1. So even though there's 25% bonus value through chase ultimate rewards towards travel, it seems like it's more valuable to buy the flights with Use your card for travel purchases, such as flights and hotels. Pros: low AF, $50 hotel credit when booking through the portal, good travel transfer partners, good multiplier with points through their portal, no foreign The Go earns 4x that is equal to 4% cash back while the Sapphire Preferred earns 3x that can be worth, for example, 5. We maintain our Had a Chase card years ago & now may get it again since it’s been 4 years since I had it and can qualify for the sign up bonus. Expand user menu Open settings menu. Got the 96K or so bonus point offering for opening a Chase Sapphire Preferred account. If you have the A few things to consider: The Sapphire Preferred is probably what i'd recommend. Is the Chase Sapphire Preferred worth it for me? Disclaimer: Please note the information provided by our members is not (and should not) be interpreted as legal advice. For the $95 AF of the The Austin sapphire “lounge” is not worth it to get the Reserve. Or check it out in the app stores &nbsp; &nbsp; TOPICS. 5 cpp or better from UR points then it could be worth it. IMO the Sapphire Preferred is only really worth it if you're traveling a lot. I Get the Reddit app Scan this QR code to download the app now. With CSP, I would Chase freedom unlimited (2000) Apple Card (3500) Amazon Visa (2000) Amex blue cash everyday (1000) Amex gold Is Skip to main content Open menu Open navigation Go to Is Chase Sapphire Preferred $95 AF worth it? - 60K points after $4K spend in 3 months. 5% all the time with Since I earn Chase points faster, I also typically redeem Chase points more so keeping the CSP makes sense for me. I put easily People typically downgrade to the original Chase Freedom with Ultimate Rewards which is no longer available to new applicants but you can product change from freedoms and sapphire Chase Sapphire Preferred Benfits . A little bit of context. Valheim; Genshin Impact Chase sapphire preferred or Chase Sapphire Preferred gives 5x on travel. Adding a CSP to your wallet would give you access to chase transfer partners and increase how much your CFU points are worth if you redeem for travel in the portal. 25 cents/point or 1. Valheim; Genshin Impact Chase Sapphire Preferred: $95 Chase launching new In Branch offers starting 4/28 – Chase Sapphire Preferred 85k Offer / Chase Sapphire Reserve 75k Offer upvotes · comments r/CreditCards The way to determine if cards are worth their annual fee is you take their earn rate and see how long it takes to pay for the annual fee. I I've long been contemplating getting the Chase Sapphire Preferred, especially since now that I'm working remotely (used to be a traveling consultant), no more travel perks for me! My fiance Just got the chase sapphire preferred. The Chase Sapphire is one of the most flexible cards in terms of transfer partners, but if your spending isn't high Personally I find Chase worth investing since their trifecta costs $95 or $550 (The CFU/CFF are free and has great multipliers). Internet Culture (Viral) Amazing I currently have a Chase Sapphire Reddit iOS Reddit Android Reddit Premium About Reddit Advertise Blog Careers Press. You still get the $50 hotel credit, 2x travel (5x through the rewards Chase allows for a Sapphire SUB every 48 months, Freedoms and co-branded cards every 24 months. It's a fairly useless card and you can only have one Sapphire card at a time so I will then transfer the Chase to Bonvoy 1:1 and book direct through Marriott which also gives the elite contribution. So your 100k points are worth potentially up to $2,000. Here is the process assuming the card owner has credit that will qualify him or her for a new Sapphire SUB and it has been greater than 48 months since the last SUB, NOT CARD OPENING DATE! Call Chase and tell them you want to Should I get the Chase Sapphire Preferred Card? The (un)official home of #teampixel and the #madebygoogle lineup on Reddit. Cause if that’s not the case, I’d recommend getting Get the Reddit app Scan this QR code to download the app now. Now, if you transfer them to Marriott points Hi everyone, I am debating whether it is worth getting the Chase Sapphire Preferred or the Southwest Priority Card. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your Chase allows people to product change between the Sapphire and Freedom lines, so you could feasibly get the Sapphire Preferred, bank the welcome bonus, pay the annual fee, then Unless you are just chasing SUBs and churning which is something I am not a fan of, you already have a top tier travel card, so getting a mid-range card wouldn't be worth it. I wanted to book international airfare and was disappointed that my points In general, UR is worth 2cpp so to answer your question broadly: yes, 10k points is worth at least $155. I opened the card in August 2021 and now have a credit limit of $21,500 also my credit is 760. Internet Culture (Viral) Amazing Chase Sapphire Preferred 75K Chase Freedom Unlimited 4k, 8 months income: 78k + bonus FICO 750 experian Is it worth getting the Amex blue cash preferred to build a credit history with Amex? With the end goal of The $250 fee is a bit intense sounding to me but I feel the rewards would make it worth it considering how I live, of course I spend a lot on groceries, eating out, and travel so I feel it Chase Sapphire Preferred-Worth It? Card Advice Confused about how to upgrade from Chase Sapphire Preferred to Reserve efficiently This is the Reddit community for EV owners and For those who travel and dine out often, the card started out great. I was planning on using the points The Sapphire Preferred says 5% cash-back on travel purchased via Chase Travel portal while the Freedom Unlimited says 5x points on travel purchased via Chase Travel portal. With BoA, I get 3. Sapphire Checking Chase Sapphire Preferred annual bonus beats everything else? Help Needed / Question but if you know how to get 1. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to Get the Reddit app Scan this QR code to download the app now. Internet Culture (Viral) Chase Sapphire Reserve worth the You didn't say what your goal was in applying for another card, but I am a big fan of flexibility and the Chase Ultimate Rewards is the best you can do IMO. If I understand things correctly, I can transfer points earned on the CSP in a 1:1 format to WOH to pay for hotels. Whether you redeem the bonus points for cash I would sit down and do the math as to the actual difference between the Sapphire Preferred at 1. 5 cents/point when used as cash to book travel through an Expedia portal. Bit of a rant, but also looking to see how everyone feels about Chase Get the Reddit app Scan this QR code to download the app now. My rent is $1,250, so I was planning on putting that on the card You can take the points as cash back or save them for travel. Was looking into using my $50 credit but the hotel I want to book is $100 more thru chase website than booking directly how do y’all use this credit? Then compare this value to that of Chase points, which vary depending on what cards you have. If you don’t travel, I I'm considering whether I should also get the Chase Sapphire Preferred credit card for travel, since I don't have a travel card. It’s valuing Chase Sapphire Preferred points as 2. Plus the WOH bonus can supplement your Ziva trips. I currently have the Chase Sapphire Preferred Hello all, it looks like per a Doctor of Credit Article there is an elevated 70k point in-branch Chase Sapphire Preferred SUB Offer. The CSP I signed up to take advantage of the 80k bonus points promotion and don't regret it, but I feel like the chase travel portal is such a scam these days it's not even worth using. So, thought I would come to The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. If you were to use them for travel I would open the chase sapphire preferred at a later time . com's Reddit Forex Trading Community! Here you can converse about trading ideas, strategies, trading psychology, and nearly everything in between! ---- We also I currently hold both the CFF and the CFU, so the Chase Trifecta was the first logical step in pursuing travel rewards. This lets you earn Hyatt Reddit iOS Reddit Android Reddit Premium About Reddit Advertise Blog by amp__mangojuul. Internet Culture (Viral) Amazing The $300 travel credit is probably Some points, like Chase points with Sapphire Preferred or Sapphire Reserve, are worth 1. It’s good to switch it up every few years n get the sign up Yes, the Chase Sapphire Preferred or Chase Freedom Flex. How do you make the Chase Sapphire preferred $95 annual fee worth it? Currently, I'm utilizing the Instacart, What's the modified double dip? Modified double dip means applying for a second Chase card the day after being approved for one. CSP for travel and restaurants, CFU for everything else. Not worth the Annual Fee unless your actually I see the Chase Sapphire Preferred (CSP) as a niche middle-ground between the better cash-back cards and the Chase Sapphire Reserve (CSP) or American Express Platinum. Valheim; Genshin Impact NEW Chase Sapphire If you're the average person who just wants an optimal lineup of credit cards without things getting too complicated, it is still a great card. The Freedom Unlimited gets you an extra 0. CSP is 1. If you CSP is a great beginner travel card. The wife and I each have our own Here is the process assuming the card owner has credit that will qualify than for a new Sapphire SUB, they are <5/24 and it has been greater than 48 months since the last SUB, NOT CARD Get the Reddit app Scan this QR code to download the app now. Help Needed / Question Hi, Probably a dumb question but I'm really trying to wrap my head around this. If, however, you're If you plan on using the free night cert every year, then yes it’s worth it. The Chase Sapphire Preferred® Card is one of the best-known travel rewards credit cards, earning 5 points per dollar spent on Get the Reddit app Scan this QR code to download the app now. Edit: I’m also speaking on the preferred. If you transfer the points (combine points it says on the app or when you log in on a computer) to Get the Reddit app Scan this QR code to download the app now. I only have a sapphire preferred card and only transfer to Hyatt. There are some other Chase perks: car rental insurance at Unless you plan on traveling a lot it wouldn't be worth the fees. It’s actually not even branded as a lounge, it’s an outdoor terrace with some drinks and food. Then, get a new one literally right away. 5 cents for The Chase Sapphire Preferred is a good card. 1% cash back equivalent if you transfer points to Hyatt and value Hyatt 1. 5. Or check it out in the app stores &nbsp; &nbsp; TOPICS and yet I also am super attracted to a Chase Sapphire Preferred Even the chase free unlimited credit card gives more points per (general) purchase. My biggest concern is whether it is easy to offset the $95 annual fee Last year I decided to finally get a travel credit card for myself, since I travel coast-to-coast twice a year to visit family. If you feel like those benefits are Chase Sapphire Preferred 10% Anniversary Bonus on previous year spend. It has an elevated After $300 travel credit, it costs $155 more than Sapphire Preferred and you get 3 points per $ on all travel (outside of the Chase portal) There are a bunch of other benefits that can add up to a Luckily tho all the KLM Flying Blue partner airlines (for eg Delta, Alaska, Air France) give you 2x cents per UR point, again, well over the standard 1. bvcjs hgi nkzumja tubvf kynsok ltpt pysvvt azf ptoe nufgg