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I've had it since the initial 100k sign up bonus and it's a great card. Always use the $300 in travel reimbursements within the first couple months of the calendar year which helps cover the $450 annual fee. To get value from the remaining $150 fee, I try to take advantage of the lounges and personally value each visit as $10 and you can usually bring anyone on the same ticket into the lounge as well. The 1.5x value booking through Chase is great, as I have other Chase cards that I use and I can easily transfer points earned from those into the sapphire account and get the 1.5x value. Hotel and flight options on Chase aren't the best but you can score some pretty decent deals. Also.. 3x points on restaurants and travel expenses really helps rack up points if you do a lot of traveling for work. Also the $300 travel reimbursement is based on a calendar year so if you sign up in Nov, you get $300 through December and then another $300 starting Jan.
Would it be worth it if I just upgrade from CSP to CSR without getting the bonus points?
Rsm1. My advice is to get a new csr card and the related bonus. Then call chase to downgrade your csp to the chase freedom unlimited (with no annual fee). For all dining and travel, use the csr. For everything else, use the freedom and get 1.5x. You can then freely transfer your points from your freedom to csr.
One other perk that most don’t take advantage of is you get national car executive status, which is nice if you travel for work a lot. My last few cars: Infiniti QX60, Chevy Camaro SS, BMW X3, Cadillac XT5
🤔🤔 don't they have a 50k points offer going right now for CSR? Any bonus points you can get would be worth it and I don't think having the CSP would preclude you from getting the bonus points since they are getting that $450 fee from you upfront.
Have it and like it. Helps that we’re irresponsible DINKs that spend a ton of money on travel and restaurants so the points stack up very quickly.
I use this as my primary card and love it (for all the reasons mentioned by others). Despite the fee you really rack up the points quickly. I live in nyc so most of my cc expenses are food or travel related anyway (my oven is used for storage let’s put it that way). I estimated my credit card usage and compared cards to determine what’s best for me and this card basically nets me $1,400 in benefits a year, which was significantly higher than any other card I could find. Highly recommend.
Yeah about 35% of what I spend is on dining another 10% is travel so this card rewards where I spend the most money @SA1