Chase Sapphire Preferred or Reserve? CSP has a higher bonus right now, 80k v 60k. Should I do CSP then upgrade to CSR later down the road?

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Don't upgrade, you won't get both bonuses. Get the CSP right now, then in a year get the CSR separately. Also if you do that, in a year downgrade the CSP to the Chase Freedom or Chase Sapphire to avoid having to pay multiple annual fees

If you "sleep" on those 80k points until a year from now when you open a CSR separately, you'll be able to redeem them for travel at 1.5x per point. (80k + 60k) x 1.5 = $2100 towards travel in a little over a year

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I guess I did it 4 years ago

Go for amex platinum

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Yes. Just don’t expect both bonuses

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Do the preferred unless you value peloton.

I think there’s a 4 year cool down between the two and not sure if you can upgrade and get the bonus - may need to cancel and apply for the reserve

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You can downgrade the preferred card and then apply for the reserve. You would get both bonuses. Would love to refer you to the reserve.

Why lose 20k points if you want to upgrade later anyway? Just get the CSR it’s worth it

I’d be losing the 20k points if I go CSR first. That’s why I was saying go CSP first to get that extra 20k then go to CSR.

Amex platinum FTW

You don’t loose the points, they are the same value when redeemed with each card. I would recommend pairing either with the freedom unlimited

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