Credit Cards Discussions
Chase Sapphire

Sorry if this is the wrong bowl - but CSR credit card holders how do you guys spend your points?

I’ve accumulated over 100k and not sure how to best use them. I read that I shouldn’t use it to pay down balances but it’s mighty tempting…

I have CSR for the bonus points. Do y’all think the Amex Platinum is also a good choice for their large sign-up offer and benefits? I travel a bunch usually and expect to start again in the near future (hopefully)

Do you think your company has a strong CSR wing and genuinely wants to make a difference?

Chase Sapphire Reserve vs Amex Platinum? Opinions? Leaning towards Amex, but the Visa CSR will be accepted in more places

Would getting a master's elevate my profile in any way? I've always wanted one but been told that its not valuable in comms or pr – its only worthwhile if I plan to teach. I'm 5 yrs into my career with LOTS of diverse experience, but I'm at a standstill and not heading in a direction i'd like. My ideal scenario is to get a masters in something that would help me get into CSR or D&I comms/pr. If a master's is a no, then what other credentials are desirable when hiring someone 5-yrs in?

How to convince friends that chase or Amex cards are just greater than any other card. I don’t get why people all just don’t have the CSR if they spend any sort of money. Literally pays for itself and then some

Lyft pink membership expiring soon (from CSR). Should I renew or get a new card that offers it? Will be using Uber/Lyft a lot in the next few months, and rly liked the free bike/scooter rides..

I’m downgrading my Chase Sapphire Reserve soon since my husband has one too. What’s the best Chase card to downgrade it to? I already have the Freedom and Freedom Unlimited. Thanks!

Can’t decide between Chase Sapphire Reserve or Preferred. I like the 100k bonus for preferred, but mainly wanted a travel card and lounge access/global entry. Thoughts?

amex platinum >>>> csr if you think about it

Ok. Me again. Thanks all for the help.
Currently have CSR, wife as authorized user.
The plan:
Step 1 - Wife applies for CSP & earns 100k points
Step 2 - I get freedom unlimited (CFU) & earn 25k points
Step 3 - I move my current points to CFU and cancel the CSR
Step 4 - I apply for CSP and earn 100k points
Step 5 - Wife applies for CFU and earns 25k points
Step 6 - Wife cancels her CSP and carries only the CFU going forward
Step 7 - I upgrade the CSP to CSR and carry CSR and CFU

Chase Sapphire vs. Citi Premier?

Worth getting the Chase Sapphire Reserve with travel being minimal now? Currently have the Freedom Unlimited but considering Sapphire Preferred due to the lower annual fee and similarity to CSR

I have CSR and decided a few days ago to add freedom unlimited for day to day expenses, particularly groceries. Two cards is a big step for me, but the pairing seems easy and worth it.

But, after hanging out with you masterminds, I'm now aware that I should also take advantage of the CSP sign up bonus.

How do I get the CSP sign up points, add the freedom unlimited, and then get back to a CSR + freedom unlimited pair.

Also, I'm married. Wife is on my CSR, and that's the only card we have.

Worth renewing CSR? Value prop seems nerfed in comparison to CSP / Freedom, especially given fee increase to $550

CSR vs Amex platinum? Which one is better??

I am starting to miss seeing "how many miles/points should I ask" and "CSR vs Amex cards" posts. 😀

Want the simple times back.

Can you have both the CSR and the freedom flex?

I have a CSR, but thinking of getting a new “0% apr for x months” card to use for kitchen reno project. Contractor charges 3% for cc transactions, but I’d rather put it on a no-interest cc than take $$ out of my investment accounts. Am I crazy? If not, what 2nd cc should I get?

I was one of the first people to get a CSR when it first came out - can I downgrade to a CSP and get the CSP bonus? Or how do I take advantage of the 100k CSP signup bonus?

I mistakenly canceled my CSR instead of downgrading. I have a Chase Freedom Unlimited and a basic citi master card

What card do you recommend I apply for, CSR again or the Amex? I am currently planning on making a few home office purchases and tend to spend more on food and travel

To confirm - I can downgrade my CSR to a CFU (even tho I already have one) then apply for CSP? Following I would have 2 CFUs (note: I already have 1 of every card in their lineup)

Considering downgrading csr to go for csp signup bonus. Two questions: will my af be prorated? And after I earn the bonus, can I upgrade back to csr?

pair csr with amex gold?

what are the best 2 credit cards to pair? i’m thinking csr and amex gold bc i grocery shop a lot and travel (outside of covid) quite a bit

Been recently using the Hilton honors app to book hotels for work. Thinking about using the Chase portal with my CSR instead. Thoughts or input on this?

Airline delay caused me to miss my connection from international to domestic - had to stay overnight at ORD and fly out this AM. Will chase sapphire preferred cover my expenses since my flight was missed due to an airline issue? (My flight delay meets the 12hr threshold)

Anyone have experience with the Trip Cancellation/Trip Interruption Insurance for Chase Sapphire Preferred?

I have the Sapphire Reserve (it seems I'm supposed to refer to it as the CSR here). And I have always been resistant to juggling multiple cards. But as my grocery spend increases I'm suddenly aware of this whole pairing concept.

Is it accurate that if I get the free Flex Unlimited I can get 5% on groceries (for a year), 3% on drugstores, and 1.5% on everything else, AND I can transfer those points to my CSR account and effectively get 7.5%, 4.5%, or 2.25% back on my spend?

Currently holding both the Chase Freedom Unlimited and Chase Sapphire Reserve (opened >48 months ago). What’s the best play to obtain CSP sign up bonus without dinging my credit?

Is there a card better than Chase sapphire?

CSR now gives 10x for booking through the portal for hotels, but I’ve heard we won’t get Bonvoy points if we book through portal because it’s booked through 3rd party? Is that true? What about nights towards status?

Can someone give the TLDR OF new changes in CSR? Doesn’t seem anything has changed significantly. What am I missing?

Currently, I’ve got CSR, Amazon Rewards, BoA which gives me 3% groceries/4.5% dining, and a 2% from Fidelity. Are there other cards I should have to maximize points (major spends are travel, dining, groceries)? I considered Blue Cash Preferred, but at about $300/month on groceries, I ~break even on the annual fee compared to my BoA card (unless I did my math wrong). CFU seems only marginal benefit if I redeem for travel. Debating if the Freedom Flex is worth for potential of 5% back.

Chase Sapphire Reserve paid for my Precheck 5 years ago. Will it pay for renewal too? Or is it just a one-time benefit?

I’m looking for advice on diversifying types of debt. Is that smart/good? What should I look into? If not, what can i do to increase my credit score other than pay on time? I currently just use my csr card for everything. 26m TC around 140. Thanks!!

Can I downgrade a CSR to a CSP?

Is it worth it to get the Amex platinum for the points if you already have csr? Have some big spend items coming up so will meet the spend minimum but hard to stomach paying $1200 total in annualfees.

Best cards to get for points maximization? I currently have the CSP (planning on upgrading to CSR when travel resumes), BoA Customized Cash with Platinum rewards level (currently using my highest tier back on dining (4.5%) but will likely change to online shopping when I upgrade the CSP, and get 3% back on groceries), Amazon Rewards, and a Fidelity 2% Cash back.
I don’t drive and thus gas isn’t an important factor. Major spends are probably groceries, dining, and travel.