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Me the next time I’m going through TSA

Off Topic :
1) When Does a software engineer start financial planning for retirement since the our Career span is only 15-20 years on average.
2) How much and which schemes to invest to mitigate the risk?
3) How much do we need for retirement?
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You need the reserve or preferred in order to have transfer them to ultimate rewards (so you can transfer to travel patterns or redeem on chase travel portal) otherwise it’s just cash back points I think
Other cards are still UR, you just don’t have the ability to transfer points to travel partners. And you lose the 50% multiplier when transferring points to the CSR for the Chase travel portal.
I’m trying to justify as well. There is still $300 of travel credit which is now expanded on what it can be used for. So after using this the cost of the card is in effect, $250.
Correct me if I’m wrong, but I believe the points go father when redeeming using the CSR as opposed to the other cards (higher multiplier), so if you have a lot of points in your account, it may make sense to redeem them prior to cancelling/downgrading
CSR gets redemption bonus (50% more if redeemed through portal plus transfer partners). Travel spending bonus for CFU and CFF are limited to the travel portal which has limitations (3rd party booking eliminates hotel rewards/elite earning, changing flights can be more restricted, prices can be higher, etc.).
Keep your CSR and get CFU and/or CFF. The CSR certainly took a devaluation with the new card offerings but the overall “Chase trifecta” may have actually improved
But you don’t have to hold on to the CSR all along the way you could just reapply when you’re ready to use the points
Would also like to know
It depends if you have a large stock pile of UR points or not
I am thinking of cancelling
Did they change something with the CSR?
Worth it to downgrade to CSP and keep that for transferring points