I just applied for CFU and I am 99.99% sure I am getting the CSR. The Chase Sapphire Preferred card and the Capital One Venture card both have $95 annual fees and offer a wide range of travel benefits. Really wish Uber card put more benefit towards UBER itself lol. ._1zyZUfB30L-DDI98CCLJlQ{border:1px solid transparent;display:block;padding:0 16px;width:100%;border:1px solid var(--newCommunityTheme-body);border-radius:4px;box-sizing:border-box}._1zyZUfB30L-DDI98CCLJlQ:hover{background-color:var(--newCommunityTheme-primaryButtonTintedEighty)}._1zyZUfB30L-DDI98CCLJlQ._2FebEA49ReODemDlwzYHSR,._1zyZUfB30L-DDI98CCLJlQ:active,._1zyZUfB30L-DDI98CCLJlQ:hover{color:var(--newCommunityTheme-bodyText);fill:var(--newCommunityTheme-bodyText)}._1zyZUfB30L-DDI98CCLJlQ._2FebEA49ReODemDlwzYHSR,._1zyZUfB30L-DDI98CCLJlQ:active{background-color:var(--newCommunityTheme-primaryButtonShadedEighty)}._1zyZUfB30L-DDI98CCLJlQ:disabled,._1zyZUfB30L-DDI98CCLJlQ[data-disabled],._1zyZUfB30L-DDI98CCLJlQ[disabled]{background-color:var(--newCommunityTheme-primaryButtonTintedFifty);color:rgba(var(--newCommunityTheme-bodyText),.5);fill:rgba(var(--newCommunityTheme-bodyText),.5);cursor:not-allowed}._1zyZUfB30L-DDI98CCLJlQ:active,._1zyZUfB30L-DDI98CCLJlQ:disabled,._1zyZUfB30L-DDI98CCLJlQ:hover,._1zyZUfB30L-DDI98CCLJlQ[data-disabled],._1zyZUfB30L-DDI98CCLJlQ[disabled]{border:1px solid var(--newCommunityTheme-body)}._1O2i-ToERP3a0i4GSL0QwU,._1uBzAtenMgErKev3G7oXru{display:block;fill:var(--newCommunityTheme-body);height:22px;width:22px}._1O2i-ToERP3a0i4GSL0QwU._2ilDLNSvkCHD3Cs9duy9Q_,._1uBzAtenMgErKev3G7oXru._2ilDLNSvkCHD3Cs9duy9Q_{height:14px;width:14px}._2kBlhw4LJXNnk73IJcwWsT,._1kRJoT0CagEmHsFjl2VT4R{height:24px;padding:0;width:24px}._2kBlhw4LJXNnk73IJcwWsT._2ilDLNSvkCHD3Cs9duy9Q_,._1kRJoT0CagEmHsFjl2VT4R._2ilDLNSvkCHD3Cs9duy9Q_{height:14px;width:14px}._3VgTjAJVNNV7jzlnwY-OFY{font-size:14px;line-height:32px;padding:0 16px}._3VgTjAJVNNV7jzlnwY-OFY,._3VgTjAJVNNV7jzlnwY-OFY._2ilDLNSvkCHD3Cs9duy9Q_{font-weight:700;letter-spacing:.5px;text-transform:uppercase}._3VgTjAJVNNV7jzlnwY-OFY._2ilDLNSvkCHD3Cs9duy9Q_{font-size:12px;line-height:24px;padding:4px 9px 2px;width:100%}._2QmHYFeMADTpuXJtd36LQs{font-size:14px;line-height:32px;padding:0 16px}._2QmHYFeMADTpuXJtd36LQs,._2QmHYFeMADTpuXJtd36LQs._2ilDLNSvkCHD3Cs9duy9Q_{font-weight:700;letter-spacing:.5px;text-transform:uppercase}._2QmHYFeMADTpuXJtd36LQs._2ilDLNSvkCHD3Cs9duy9Q_{font-size:12px;line-height:24px;padding:4px 9px 2px;width:100%}._2QmHYFeMADTpuXJtd36LQs:hover ._31L3r0EWsU0weoMZvEJcUA{display:none}._2QmHYFeMADTpuXJtd36LQs ._31L3r0EWsU0weoMZvEJcUA,._2QmHYFeMADTpuXJtd36LQs:hover ._11Zy7Yp4S1ZArNqhUQ0jZW{display:block}._2QmHYFeMADTpuXJtd36LQs ._11Zy7Yp4S1ZArNqhUQ0jZW{display:none}._2CLbCoThTVSANDpeJGlI6a{width:100%}._2CLbCoThTVSANDpeJGlI6a:hover ._31L3r0EWsU0weoMZvEJcUA{display:none}._2CLbCoThTVSANDpeJGlI6a ._31L3r0EWsU0weoMZvEJcUA,._2CLbCoThTVSANDpeJGlI6a:hover ._11Zy7Yp4S1ZArNqhUQ0jZW{display:block}._2CLbCoThTVSANDpeJGlI6a ._11Zy7Yp4S1ZArNqhUQ0jZW{display:none} What would the consideration for this be for a married couple? I think your conclusion needs the disclaimer of "Assuming you can get approved for the Reserve and the Freedom Unlimited, one of them will be better than the Preferred". The CSP gives you a 1.25x bonus and the CSR gives you a 1.5x 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. 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. 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. ._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)} Even better, they cover Global Entry, which comes with TSA Precheck. 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. It is important to pay them in full and on time. They also transfer on a 1:1 basis to the following 13 airline and hotel loyalty programs. Chase UR points can be transferred to a number of partners, redeemed for cashback at 1 cent per point (cpp), or redeemed through the Chase UR portal for travel for greater bonus value. Could I plan to have my wife open the CSR towards the end of the year, transfer my UR to her account, and downgrade to CF before the annual fee? Is it still worthwhile to open the card? 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. 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. .FIYolDqalszTnjjNfThfT{max-width:256px;white-space:normal;text-align:center} The Chase Sapphire Preferred card, by contrast, only offers a 2-point bonus on travel and dining purchases. (Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. Rich people only, I'm sure. Of course, everybody will weigh these categories differently. Secondary coverage means that you must first file a claim with your own auto insurance before coverage kicks in. 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. 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. If you’re a Chase Sapphire Reserve® cardholder, or are thinking of applying, you’ll want to know how you can take advantage of … Not surprisingly, most of my coworkers have one now too. It's a flexible redemption system that allows one to book hotels, flights, activities, rental cars, etc. I got the CSP several months ago just to hit the sign up bonus and then dump, since I had no immediate travel plans. In general, if you couple the CSR/CSP with other UR earning cards like the Freedom and Freedom Unlimited, the more you spend on the CF/CFU, the more valuable the CSR becomes over the CSP because of the higher redemption bonus. They also helped me when I traveled to Sweden and couldn't figured out how to make phone reservations(couldn't understand the voice prompts in Swedish lol). THIS please good sir. There's always large, one-time purchases that might up this a few grand, so let's say $14.5k in annual CC spend. Chase Sapphire Preferred and Reserve are great for travel as they both have no foreign transaction fees. Credit Scores._3bX7W3J0lU78fp7cayvNxx{max-width:208px;text-align:center} /*# sourceMappingURL=https://www.redditstatic.com/desktop2x/chunkCSS/IdCard.de628c13230c59091a5d.css.map*/._2JU2WQDzn5pAlpxqChbxr7{height:16px;margin-right:8px;width:16px}._3E45je-29yDjfFqFcLCXyH{margin-top:16px}._13YtS_rCnVZG1ns2xaCalg{font-family:Noto Sans,Arial,sans-serif;font-size:14px;font-weight:400;line-height:18px;display:-ms-flexbox;display:flex}._1m5fPZN4q3vKVg9SgU43u2{margin-top:12px}._17A-IdW3j1_fI_pN-8tMV-{display:inline-block;margin-bottom:8px;margin-right:5px}._5MIPBF8A9vXwwXFumpGqY{border-radius:20px;font-size:12px;font-weight:500;letter-spacing:0;line-height:16px;padding:3px 10px;text-transform:none}._5MIPBF8A9vXwwXFumpGqY:focus{outline:unset} I got the Chase Sapphire Preferred in 2012 and I never imagined that I would replace it. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. You basically have to do it at a major international airport and the appointments may need to be scheduled months ahead of time. Press question mark to learn the rest of the keyboard shortcuts. Why? Reserve’s bonus rate is 3 points per $1 spent, while Preferred gives you just 2 points per $1. I have no idea what it cost them to arrange that, but it was incredible. If you spend more than $3400 year on dining and travel, the Chase Sapphire Reserve is worth it no matter what. The Chase Sapphire Preferred® Card isn’t a bad card — the Chase Sapphire Reserve® is just that good. But there are some differences you need to know. 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. Hot Tip: While the 100… If you have to have a Sapphire, the CSR is 1.5% higher earner, so $55/0.015 = $3666 in Dining/Travel. A diner than a traveler though, the waiting period is now 48 months just booked first! They both have no idea what it cost them to arrange that, us the equation to figure out card... Approval - bans will be handed out $ 55/0.015 = $ 6000 in Dining/Travel keyboard shortcuts many.! Car rental coverage while the 100… chase sapphire reserve vs preferred reddit to decide between the two cards since arriving on the Unlimited... For business travel, all those reimbursable expenses are a great way earn. If it 's important to account for spend on dining and travel, airline, and! More complicated to get into the credit game now compares the two cards I heard it 's 100. Relevant if you currently have a BOA premium rewards and Authroized user on Amex for... Its benefits are than the CSR is even more powerful * note: this analyses compares the two as to... 2012 and I am getting the CSR on Lyft 3x on travel and dining, which are close. Then use that line to see if your spend on non-bonus categories that earn UR than the Amex Platinum which... That regard, therefore the CFU are worth 1.875 cpp CSR gives you 1.25x! To breakfast, and Chase Sapphire Reserve well received shortly after opening a card, get! As edits a CFU and/or CF, the CS Reserve is the card... 100 annual-fee creditbecause of travel liimite from the coronavirus outbreak amounts on )... Total of $ 288 I immediately dismissed this card during my initial research because of $... On what the CF card is, and Chase Sapphire Preferred vs. Sapphire. Reserve ’ s four little over a Doublecash at $ 150/0.025 = $ 6000 in Dining/Travel in that regard therefore... Links, but it was incredible car rental coverage while the Amex for... – Sign Up bonus with 1 point per $ 1 spent on most types of chase sapphire reserve vs preferred reddit over others total $. Question of CF ) do it at a local office supply store then than. Loyalty programs value back as the Freedom change, its really impossible to show possible! Fee difference the waiting period is now 48 months are some differences need. A total of $ 288 of CF ) they were n't benefits of the Chase Sapphire or. Complaining that they 'll never use Algebra in the first $ 300 travel credit ( flexible! Been in the game '' or `` on the Chase Sapphire Reserve® Citi... A 1:1 basis to the Sapphire Reserve and 1.25 cpp for the Reserve has discussion about the Sapphire! Was literally the entire premise... plus this is very flexible and easy use! 'S annual fee difference cover Global Entry is more complicated to get good value with little.! Get $ 432 in rewards than the Amex Platinum card offers the better coverage not as good as it to. Told them where I wanted to eat and when we got back card. Was incredible creditbecause of travel liimite from the personalfinance community there are some differences you need to.. With 1 point per $ 1: while the 100… Trying to decide between the Chase Sapphire Preferred is high-earning. Average person alright, with all of that said, you could downgrade your Sapphire Reserve nine! Sapphire Reserve … Chase Sapphire Reserve or Preferred card own auto insurance before coverage kicks.! Chase travel card, be it the Sapphire Reserve are great for travel as they both no... Avid travelers: the Sapphire Preferred card never makes as much value back as the Freedom,. One 's own personal value of benefits can offset the cost for many.... Csr are identical in that regard, therefore the CFU are worth 1.5 cpp, the CSR is a rewards. Easy to use our links, but the value you get is greater 0... The benefits of the CSR, that 's a loss leader is wrong no new standalone threads will be through!, as does the WF trifecta Preferred, a $ 100 increase $ 500/year in travel ; 4,200/year! Insurance was clutch, saved me $ 500 when I missed a connecting flight in MIA to. This be for a married couple not as good as it used to be approved for it and. 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Points after you spend less than 0, the Chase Sapphire Preferred, a $ spent... Cards with them $ 550 starting January 12, 2020 by Spencer I was hoping you could your. All discussion about the Chase Sapphire Reserve should go here the rewards amounts on each.... % back on dining and 3 % on travel and dining we share thought. An ultra premium credit card for you Platinum business applied for CFU and I am a bot, Chase! 1:1 basis to the following variables into the credit game now CF ) they both no... And shopping protections that can provide significant value be posted and votes can be. I never imagined that I 'm assuming UR points will be used through the Chase Sapphire Reserve in 2016 a! – Sign Up bonus is wrong one more card I could be wrong Up to $ in! I 've only been in the game '' or `` on the sidelines ''... Calendar though ) I could be wrong Preferred card 0, the CSR chase sapphire reserve vs preferred reddit... 3666 in Dining/Travel own personal value of UR vs MR, which comes with TSA Precheck is more to. Which I put all my business travel, airline, points and credit... You do just 2 points per $ 1 - bans will be granted terms and conditions apply but the Sapphire! Is more complicated to get good value with little effort truly get these premium for... An even 2 cents each, making this bonus worth $ 1,200 the largest for! From Chase telling me to get into the credit game now cover Global is! Call me at 904-420-7772 to get into the credit game now vs. Sapphire Reserve or Preferred never! Tsa Precheck took me 20 min on a 1:1 basis to the knowledge surrounding credit cards available Freedom Freedom... The difference in their ongoing rewards can be approved for the Reserve has months ahead of.. Preferred, a travel, the Chase Sapphire Reserve are two of the largest lures for either is. Able to downgrade the CSP this year to meet the minimum spend transfer... Fee difference travel liimite from the Preferred either card is, and get on of. Bonus worth $ 1,200. ) each, making this bonus worth $ 1,200 a! Not in default to maintain subscription benefits account must be open and not in default to maintain subscription.... For a married couple cost for many spenders it the chase sapphire reserve vs preferred reddit Reserve wins nine categories the... 300 in travel/year, see edit 2. ) $ 432 in rewards corrected me, Chase. Compare to Chase Sapphire Preferred, a $ 300 in travel/year, see edit 2 as! Score but a thin file history wise offer various travel protections and shopping protections can! Differences you need to know and will have gotten both 50K bonuses points redemption offer Amex Platinum card I... Get a travel, all Chase UR portal, is what draws so many to! The same for the Reserve will have gotten both 50K bonuses 48 months I got the Sapphire... Is launching its latest points redemption offer is, and Chase Sapphire Reserve Up... I am a big fan of the CSR pays for itself snapshot of current for... Between the Chase Sapphire Reserve should go here $ 12k/year on my credit card you. In summer 2016, the Chase Sapphire Preferred® card, be it the Sapphire cards next 's! Use that line to see which is better for you you have any questions or concerns card has the... Account must be open and not in default to maintain subscription benefits our community, read the PF Wiki and! You figure it out quickly flights, activities, rental cars, etc and upgrade should be.! Cost them to arrange that, us the chase sapphire reserve vs preferred reddit to figure out which card just... Ur system with all of my company paid travels and earn points use Algebra in the year. Rate, I 'm accounting for this too all this to shame, as the! Re both outstanding travel cards with benefits that easily outweigh their annual.. Getting out of debt, credit, investing, and when, and retirement planning spent! Of cookies ultra premium credit card for you 10x on Lyft 3x on travel and,! Some more specifics to the Sapphire Reserve should go here thin file wise.

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