ฝัง
- เผยแพร่เมื่อ 29 ก.ย. 2024
- Credit card points and miles
Yes....you heard me.....Chase credit cards suck. In this video I talk about why I think Chase cards suck!!
Please click LIKE and SUBSCRIBE if you found this video informative and/or Entertaining.
Apologies for shaking the table so much during my rant. I need a more stable table.
Thank you for support!!
0:00: Intro
0:25: Personal Cards
1:06: SUBs and Bonuses
2:45: Category overlap
3:34: Grocery and gas categories
5:01: How I would make the cards better
8:06 5/24
9:16: Outro, Like, Subscribe, Leave a comment
inks are only good Chase cards. Maybe they got a decent Cpl cobranded. Maybe.
Thank you very much for watching. I really appreciate you.
For the SUBS, Inks are good cards. A couple are decent earners. The trifecta sucks if you are looking for major categories being covered.
Thanks again for watching man.
I’ve been beating this drum for a bit. Need to get louder.
I know you have. You have been the loudest of the squeaky wheels for sure. I couldnt agree more.
I don’t understand complaining about 5/24. Just garden for damn year. My last application was October of 2023 and won’t be applying this year. 2 credits application per year preferably spread over six months and you won’t have a problem.
Hello. Good morning. Thank you very much for watching, I really appreciate it.
I agree with you...if you are someone that wants to be in Chase's ecosystem and a new Ink sub every quarter or 6 months, gardening is the way the to go for sure.
Im at 9/24 and dont care about 5/24, but so many others live scared of it.
Thanks again for your support and watching. It means a lot.
Have an awesome day!!
@@JonsCreditAndTravelone of my regrets starting in the early credit journey was that I was reckless applying & had no idea about 5/24 and how valuable, flexible and great sign bonuses Chase pts had. I’ve obtained over 21 cards since then but closed 10. Now, I about getting quality over quantity and cards that meet my lifestyle and spend. Awesome content by the way!!
I love it!! Quality is more important than quantity. I agree. We all have credit card regrets...yours truly included.
Very valid concerns and I think I’ve echoed some of the concerns you shared. I think Chase won’t offer grocery and gas station purchases as a permanent reward category as long as they continue to use it as a marketing tool to attract new cardholders. They should really be feeling the pressure now though.
@ItsMeCJ hey CJ. Good evening, sir. I appreciate you watching man. I totally agree with you 100%.
@@JonsCreditAndTravel 🙌🏾 🙌🏾
I agree! I wouldn’t touch a Chase product with a ten foot pole.
Thank you for dropping by and watching. Your support means a lot.
Good cards for sub/bonuses. Beyond that, very mid in my humble opinion.
Finally somebody on TH-cam says it! Chase cards are worse than their competition across the board. They just pay out big referral bonuses and sponsor content creators, so they get talked about the most.
Hey Erik. Thank you for stopping by and watching. Your support means a lot!!
I cant really add anything of value to what you just said. Same page my friend.
Thank you again. Hope you come back.
This video is 🔥🔥🔥🔥 oh yeah, I agree. I've always had this take but the fan boys give Chase no reason to change. This is your best video so far
No lies told, Sledge.
Thank you Sledge!! Means a lot from you...truly. Your support is so awesome!!! Thank you for the critique. I felt very comfortable for the first time today. Glad you could see it.
LMAO/24 proves Chase is Chase just more reason to shop for credit elsewhere!
@@shawn.credit 💯
Chase offers me nothing I can’t get elsewhere, all the while denying me cards for 5/24. I built my 56 card profile around avoiding Chase and grabbing approvals elsewhere. Are Chase cards good, yes some are very useful but are they worth losing sleep over NOPE. A Chase denial is another opportunity for another bank to approve you with open arms!
Hey Shawn. Good day to you. I really appreciate you droppign by and watching. Your support means a lot.
I totally agree with your comments. Yes they have some good cards. If I were a Southwest/Hyatt fan, I would not be at 9/24. But Im not so it doesnt matter.
Fifty six cards? Man I would love to talk to you further. Thats amazing!!
Thanks again for stopping by. And seriously, would love to talk more.
Have a great day!!
The capital one duo is honestly better than chase trifecta
Thank you for watching. I really appreciate your time and your support.
I would agree 100% with that.
You are correct!
Hi Deborah. Good morning. Thank you for taking the time to watch. I really appreciate that.
The only cards that chase offers that are good are the ritz, CSR, the Marriott boundless, Hyatt, and ihg. Solely for the free nights for a 95 AF. You can redeem those nights for. $200 and get status bumps. The reserve is good for the the flex credit and lounge if you’re near one but after that it’s kind of bad compared to the Amex plat, and the ritz is chase’s best card. Without the ritz, chase is shit.
Hey. Thank you for stopping by and watching. I really appreciate that.
I cant really argue with anything you said. I agree.
Amazon card? yay or nay
Hey Josh. Good day to you.
If the Amazon card fits your needs, sure. Great card for someone that shops a lot in the Amazon ecossytem.
Definitely spot on that as a set of everyday use cards, Chase cards are below average. Great for SUBs and the occasional special purchase, but mostly shouldn't see daylight
Good day to you sir. Thank you so much for stopping by and watching and commenting.
I really cant add anything more of value to what you said. I agree 100%.
Thanks again. I really appreciate you.
@@JonsCreditAndTravel of course. Enjoy the work you're putting in. Keep it up 💪
Them are strong words!!!!
Irrefutable truth as I see it 🙂
Thank you for watching Dugroz. I appreciate the support.
You aren't lying, unfortunately. One note for everyone - If you enjoyed this video, this is the normal content Jon provides. Be sure to subscribe and let him know you like his unique take.. Chase has just become a necessary evil and have not been forced to upgrade because everyone still gets it. I am guilty of it with the 10+ credit cards in my household. Love the phrase of the "new hotness" 😁
Dameyon much respect to you sir! Jon is great!
Hey Dameyon. Good evening sir. Thank you for the kind words. Your support means a lot sir.
Yeah Chase is the cargo ship on the ocean that takes forever to turn..and this shit hasnt begun the turn yet.
And Im glad I got you to laugh a bit too.
Thank you again sir. Very kind of you.
If this card sucks why are people so crazy about JP Morgan AKA Chase ??
Jon what you think about the Citi custom or Citi strata?? Over the chase card as a replacement set up
@@Anthonyjones-pq4ff Hey Anthony. Good evening to you. i think they are both better cards for earning for sure. Cant go wrong with those cards for earning.
Lets go! Good video, Jon. Thank you for having an authentic opinion on Chase.
Nell!!!! Good to see you here man. I appreciate your support. Thank you sir.
I can only be who I am and what I see.
That means a lot sir. Thank you!!!
Freedom Unlimited can’t be 3X at least not long term. They’d lose money or need to institute an annual fee. 1.5X is a joke and they should meet the market at 2X. Wells also for some reason won’t do grocery bonus too. Wells has a decent lineup with no AF but the partners need to be upgraded. 5/24 can be a drag but I thinks it’s good in that it forces you to track your velocity and gameplan.
Hey AP!! Thank you for watching and your support. It means a lot man.
I cant say I disagree with anything you said at all. I think you are right. And if I cared about 5/24, I wouldnt be 9/24 now lol.
Thanks again man. I really appreciate you brother.
Welp. NOw sorry WF has a 5/24 rule. Which I think they’ll retract in 12-18 mos.
Other than the ink line up, Chase doesn’t interest me too much. While I’m way over 5/24, I can see their utility but there is a lot of better competition in my opinion.
Agree on the 5/24 rule 😂
What up Xavier. Thank you for watching brother. I really appreciate you good sir.
Yeah man I dont disagree with anything you have said. Im 9/24 so...meh. No Inks in my future anytime soon.
Thanks again for the support brother. I really appreciate it.
Thank you for this very informative video ! You got yourself a new subscriber 🤙
Hey Jeohvany!!! Thank you for watching, subscribing, and the kind words. I really appreciate the support. Thank you.
Jon dropping the hot take! Great video brother!
I like some parts of Chase cards, but totally get your point of view man. I can't remember the last time I spent consistently on the Freedom Unlimited...I actually have three other catch all cards now LOL (BBP, VX, USBAR). I don't spend much on the CSP either. Freedom Flex has seen a good chunk of dining spend this quarter - and this quarter is great - but is otherwise dormant for 1/2 to 3/4 the year.
It seems like all the personal Chase cards I actually want are out of reach (5/24) for now! United, IHG, for the perks; but wouldn't spend on them much after the SUB.
Josh man!! Thanks for dropping by and supporting. It means a lot brother!!
Yeah....exactly my point. So many other greats cards out there that trump Chases cards. Beyond a SUB, I just cant be a fan of them until they change.
Thanks again brother. Means a lot that you stopped by.
Nothing wrong with telling it like it is. Keep it up. Fan boy videos have ran their course.
Hey Eddie. Thank you for watching. I really appreciate it.
Just telling it how I see it. Thats all you will ever get from me.
Thanks again!
Boy does that mic sound good!
Thank you sir. Thank you for the help with the purchase.
I have the Chase trifecta if I had a do over I wouldn’t. Citi trifecta is just plain better. Or make a trifecta that works for you as a. Individual
Good evening sir. Hope you are well. Thank you for watching.
Citi has good earning cards. And having a hybrid set up to me is the best scenario.
Thank you very much for your support. It means a lot.
American Express 💕 ,.. Don’t Live Life Without It 🥇🍻
As an Amex fanboy, Amex is far from perfect...believe me. I will be ranting about them soon too. With that said though, I agree 100%!!
Thank you for watching. I really appreciate your support.
Hey Jon good video! I think you nailed the frustration that a lot of us in the hobby have with Chase and there anemic bonus categories. And not having a card with a permanent gas and grocery category is just sad😢 I agree with your opinion that the autograph card by Wells Fargo is a good card however you have the same problem with no grocery category. I personally like the Chase ecosystem and will continue to use their cards for a variety of reasons however, because of Chase’s shortsightedness, it’s caused me to have to embrace other ecosystems as well as part of my daily spend. The card that I found to cover all of the gaps and that actually is also a pretty decent ecosystem is the city strata premier it’s got three times gas and groceries as well as restaurants and travel it’s a pretty solid card, all the way around because of that I think it is still better than Wells Fargo as an option if your goal is to completely optimize your return on spend. I was a little surprised that you did not mention the premier card. Anyway great video hope you have an awesome evening
Hey Sean. Good day to you sir. Hope you are doing well.
This was a really thoughful reply. I appreciate it.
You are right, the Strata Premier is a great card that covers the gaps of Chase short comings. I also agree it is better than the Autograph card when it comes to groceries too. I am an Amex fanboy obviously as you well know and although Im not a fan of Citi, the Premier is a great, even keeled card.
Great reply Sean. Thank you. I look forward to more from you in the future. Have a greaty day!!!!
Can you elaborate why you feel the Wells cc lineup is the way to go now? I have the CFU and was going to get the Flex next but after watching your video I am intrigued. I am skittish and skeptical to start a partnership with WF with their questionable history as a bank. I know that was then and this is now but you don't really go into detail in this video as to why you feel the WF cc's are the way to go now instead of Chase can you do a video and answer this or answer it here? I would b most appreciative. While I wait for your response I am going to go look at the WF Active Cash and Journey. Autograph Journey is not in the realm of possibility for me just yet. I know I threw a lot at you here so answer what you can when you can. Thanks! Love your content and thanks for answering all my emails about BILT, yes I am that guy LOL!
Hello. Good day to you. Hope you are doing well. Thank you for watching. I appreciate your time and support.
I understand the apprehension with doing business with Wells Fargo. But if everyone would do a bit of digging, no one would do business with Chase, BoA, etc either with things they have done in the recent past.
I think the personal line of cards with Wells are better earners overall than Chase. The one thing Wells cards are missing unfortunately (still) is a grocery category on a card. The regular Autograph card alone is 3X on dining, gas, transit, streaming, phone, and travel. The Journey is the card geared toward travel more with 5X hotels, 4X airlines, 3X on other travel categories and dining with a $50 credit on airline purchase. The Active Cash is their 2% catch all. I will stick with those cards and not include the newly reelased Attune card. In my estimation, that makes the Wells lineup a more effective earning platform (if they would just get their act together with groceries). There can be debate on transfer partners, etc. But I was speaking purely from a nearning point of view.
Hope that answers most if not all of your questions.
Thank you again very much for watching and your support. It means a lot.
They have too much overlap, weak multipliers, and the 5/24 rule. They have the most straightforward approval requirements, and are churn-able. If it wasn’t for the subs then most people probably would look elsewhere.
Hey! Thank you so much for stopping by and watching. I really appreciate you.
I agree 100%. If it were not for subs, their cards are very mid for sure.
I appreciate your support. Thank you so much.
Great video Jon! Chase cards are NOT for spending on! I got the 5x gas and grocery offer 2 years ago, and hsven't swiped more than a few hundred dollars since. 5/24 is what keeps them in demand! Thanks for the video!
PhilMo!!! Thank you for your support as always
See....you made my point for me 😁
My credit score is excellent but experience with Chase is traumatic, not recommended 👎🏼
Hello. Thank you for watching. I appreciate your support.
Im sorry to hear that. Hope things are better.
Agree! Yet, I find myself on the Ink train. Great video Jon!
Hey Brandon. Thank you for watching man. I really appreciate the support.
The Ink cards are a bit different but not. Definitely better SUBs for sure. Everyday personal earning.....eh.
Thank you again man. I really appreciate you dropping by.
This one hurt a little bit Jon 💔 but I get it. As a Hyatt and United guy, my only real options are Chase and Bilt. Earning on Chase cards in year 2 and beyond does suck, but dammit I’m going to enjoy the ride while it’s still fun (unless Wells Fargo gets their act right on their transfer partners, then Chase can kick rocks lol)!
Tariq!!! Thank you so much for stopping by and watching man. It means a lot. Thank you!!!
I knew this one would hurt. I totally understand where you are coming and bases on our many convo's, it makes a lot of sense for sure (heck I am partly responsible for turning you to the United cards...which arent bad cards for the perks). Enjoy the ride while you can and get those UR points man. If they serve you well, go for broke. They just suck badly as earners for optimizing spend.
Appreciate you again man. Thank you good sir!!
Great point of view! I still recommend Chase cards to people cause of 5/24 and the flexibility with UR points, but long term the cards aren’t great. I’m okay with the flex, the unlimited needs to be 2x, and the sapphires need travel to be bumped up 1x and maybe have another credit/benefit
Hey Cody. Thank you for watching good sir. I appreciate it.
Yeah I get it...5/24 has everyone scared to death....except for me (9/24 and dont care). But I really do get it. Decent cards to start with but long term for spend optimization, sock drawer them. They are garbage until Chase changes...and that wont happen because of 5/24. I do think its cool you get value from the FF. I was using it for 7X dining until I started getting 14X dining with my Amex Gold card. The FF went back in the sock drawer. I fear we are stuck with what we have from Chase. And thats why I dont value my relationship with them.
I really appreciate you support and thoughts Cody. Thank you man.
A very straightforward and fearless critique of the Chase boogeyman. They can certainly do better... which makes them even worse. Good luck with your channel - subscribed!
Thank you for watching and your support. That means a lot. And the kind words too. Thank you!!
Just being honest as I see it.
Thank you again for the support and encouragement!!
I agree Jon! I am deep in UR/Hyatt and I have gotten good value but I think I would also go WF and Capital1 to start. I would still get Chase cards but not as high priority. I do hate 5/24 as well. Good video.
Thank you for watching, I really appreciate your support.
Chase can definitely do infinitely better with just a few simple tweaks....but they choose not to.
Hope you drop back by again soon. Again, thank you!!
My Son, this video was 🔥! Thank you for sharing your thoughts and insights with all of us! Great job! ❤️
Te amo papa!!! Thank you, dad. Glad you enjoyed it. I appreciate your support so much. Love you!!
The point of the Chase cards is to churn the ink cards, get the points and go on free vacations. That's about it.
Good day to you. Hope you are doing well. I get that and thats a good point and a good way for those that value Chases partners. I cant argue with you there. That is why my focus was on how horrible the personal cards are.
Thanks again for stopping in and watching. I really appreciate you.
Have a great day!!
Thank you Jon for sharing your u filtered thoughts. U made so really good points about chase. I am currently in chase jail and I'm trying to get back in for the ink cash....it's just such a good SUB...when chase is giving out ur points i just wanna grab and transfer out for travel....but u are right Chase should really do better....but they won't
Hello. Good evening!!! Thank you very much for watching. I really appreciate it.
Ah yes....good ole Chase 5/24 jail. Im sorry you are dealing with that. That Ink Cash offer is really good and I dont blame you.
Chase s too comfortable to make any changes any time soon.
Thank you for watching and subscribing. Thank you so much.
Just add a Mobile Wallet Category…
Agree 100% Matt!! Even that would be a vast improvement!!
Thanks for your support! I appreciate it.
Hello, i think you are giving good info, but need a better background to add interest. Maybe a plant or something on the desk corner on your right side of the video, also something on your back right shoulder and film with the door shut. Repeating the same issues like gas a few times so you might need a scrip or try editing. I have been watching a bunch of these videos as I have decided to branch out on my point game. I spend about $700K a year for my business, so I need more spread. thank you for your point of view, and time.
Hello. Good afternoon. Hope you are doing well. I really appreciate the time you took to watch and the critique/advice. I appreciate that feedback alot.
Hope you are able to maximize your spend. A lot of great cards.
Have a great evening!!
I respect your opinion, but also disagree. I get value from my CSR. But that's just me in my world. Great video, Jon! You made some valid arguments here!
Lani!!! Appreciate you support as always Thank you for dropping by.
I totally respect that view. I agree that the higher end travel cards do give great value for certain situations.
I appreciate you always Lani. Thank you. Your support means a lot to me.
I agree. There is various categories overlap! I’ll be applying for the ink cash later this fall and honestly just glad there’s at least a 2x Gas UR multiplier lol.
Keep up the grind Jon!
Hey Ron. Thank you for watching sir. I really appreciate sir.
The Ink Cash is one of Chases best biz cards. If I were going to get an Ink, that would be the card I would go after. But 9/24 :)
Thank you again for watching. I truly appreciate it.
Really good video Jon. The more I get into cards the more Chase lets me down.
Hey RJ. Thank you for watching. It means a lot to see you here.
They are very lackluster to say the least.
I look forward to watching your new video.
Thanks again for stopping by. I appreciate it.
HEY DONT TALK ABOUT… oh just the personal cards, ok good 😂😂😂
Hell yeah Jon! I think over time and getting deeper in this game, you try to find what’s truly worth while with your spend, which hotels and airlines you care for and people just make a decision on which cards make the most sense.
For you it’s Amex and maybe Wells, for me it’s a million Ink cards and eventually everyone’s paths align I think.
Great style and setup Jon, and love the parting message!!
Anthony!!! Thank you for dropping by brother. It truly means a lot man.
Yeah I agree with you....we all have our sweet spot for our spending and what we value when traveling. I think a lot of us are more similar than different...we just take a different path to get there and thats ok.
And thank you man. I appreciate the kind words. Always try to be positive 😁
Pretty much what I said. There's a lot of people have this thing where everything has a fit what they want but there's so many cards out there and people ignore the transfer partners. The ink cards now will we. Like to have more of course but as I was saying in one of my posts was like I want the Platinum. It just doesn't fit me right now and it doesn't have to just like the reserve I have to preferred reserve doesn't make sense right now. The city cards don't make sense to me especially the one that's capped
Dont get the cards that dont make sense for you. The Plat isnt for anyone. Mine is going to get a workout this year. I will definitely get benefit from it. Use the cards that makes sense for you.
@@JonsCreditAndTravel It's the same statement when people complain when a card doesn't have grocery
@@Brianpeckin I get it.
Sadly, if it aint broken, don't fix it. unless you think it is broken.
Michael!!! Thanks for stopping by and supporting. Means a lot to me.
Yep...that's pretty much Chase's mantra. Sums it up perfectly!
I agree with you 100% Jon! I've been saying that.. 1.5 is lousy as hell.
That's why I use WF as my core set up for now w the Autograph & the Active Cash.
I can't bare the feeling of getting less than 2:1$
Hello good sir!! Thank you for stopping by and watching. It means a lot.
WF is strong and can be even stronger if they fully execute. I think they are on to something.
Thanks gain for your support. It means a lot to me.
@@JonsCreditAndTravel always a pleasure Jon.
Btw, WF just released a new card. Go check it out
@@JonsCreditAndTravel always a pleasure Jon!
Btw, WF just released a new card w 4% cash back. Check it out!
People are keep getting their cards. They don't need to do anything when they are already the leader. The priority of business is to maximize profit.
Hey Tim. Thank you for watching. I appreciate the support.
I cant disagree with anything you have said. You are 100% correct.
Thanks again for the support. I really appreciate it.
@@JonsCreditAndTravel we need more contents like this to call out Chase so more people can learn and to show Chase that they are not invincible
We are out here. My friend Matt Clausen has put put a few videos as well about Chase and what needs to change.
Good video Jon and I completely agree. As my boy Sledge would say, 5/24 is 🗑🗑🗑 and so is having to get sapphire cards just to have access to their transfer partners
Hey Kodi! Thank you very much for watching man. I really appreciate it.
I cant add anything of value to this statement. Well said. I agree.
Thanks again for your support.
I agree with SOME of your comments. First off, the 1.5% card is an absolute joke, with the Robinhoods of the world out there. Secondly, I loooove my freedom flex. 7% on restaurants this quarter? 5% on Amazon this quarter, which I can redeem for 1.5X? How about the Amazon prime card, which pays 5% cash back year round (but cannot be redeemed for points 😢). And I believe the freedom flex paid 5% for groceries last quarter (didn’t own the card then, damn). I think a combo of the discover it card and the freedom flex card with their rotating categories should cover you about half the year for gas and groceries. I agree with you about the 5/24 rule, it is very gestapo-like. Anyway, those are my thoughts. I still haven’t pulled the trigger on the bilt card, but when I do, I’ll use your link. Cheers from the other John R with an h!
Good day to you John R LOL. Hope you are having a quality day and I appreciate you watching and commenting.
I respect that you love the FF. I dont. Rotating catergories for me are not good. I prefer fixed categories but thats just my opinion. If you get great value from temporary categories, I respect that. Sounds like you have a set up of rotating cards that work. I love hearing these different points of view. Good stuff other John R :)
Let me know when you do pull the trigger on the Bilt card so I can personally thank you!!
Have an awesome day my friend!
What's up Jon! Invading your crib. I'm not sure I agree with Chase cards sucking. I've had some great luck with those cards. It would be great if they would have a permanent grocery category. I would say that Chase should definitely make some changes to their bonus categories. 2.5% on CFU would be dope!
Rod!!!!! It is great to see you here sir. Thank you for dropping by and your support. Much appreciated!!!
I know it is not going to be a popular opinion. Just my take on how mid level at best I think Chase cards are and how they could be fire with just a few tweaks. I can appreciate those that find value with them though. I just have issues with Chase not doing better than they can. I 100% agree with the CFU being a fire card if it were 2.5% catch all.
Thank you so much for watching good sir. I appreciate it.
Get to the point.
Hey Jim. Good evening sir. Hope you are doing well.
Thanks for watching. I appreciate your support.
I tried to be as succinct as I could be. 😁
I was kind of with you until you said to change the CFF. I’m totally not with you there. The CFF is one of the best cards in my wallet and it’s the only card I would have multiples of.
Hello. Thank you for your support and watching. I really appreciate you. Thank you.
We can agree to disagree. I hate rotating categories and have thought about closing it to be honest. With that said, everyone finds value in different things and I respect it.
Thank you for stopping by and watching.
Earning wise I agree. Subs are excellent on Chase cards though. Player 2 just beat 5/24 and got the elevated sub on the CSP and I get 10k referral.
Hey Bruce. Thank you for watching. I really appreciate the support. Thank you so much.
I agree....Good subs. Beyond that, very mid cards if even maybe slightly below mid.
Thanks again man. I really appreciate you stopping by.
I'm thinking about getting the IHG premier personal card next.
With 5x on gas and 3x on non-category purchases... at .5 to .8 cents per point value, I think it makes sense as my primary card on these categories. Certainly beats the freedom unlimited.
Hey. Thank you for watching. I really appreciate it.
Yes those categories definitely beat the FU for sure.
i totally understand that the chase personal cards don't have great earnings multipliers. i don't really recommend the CFU lol. it's why churning the inks is so important, because sign up bonuses are way more valuable than good multitpliers. all in all i enjoy getting some UR points
Hey David. Thank you for stopping by and watching. It really means a lot to me.
Yeah I agree with you. If/when I get under 5/24 (doubtful). I might plow through the Inks once. But Im also not a Hyatt or Southwest fan either so UR points dont mean a lot to me. But for those that do care and get that value, I totally understand and I fully agree that subs are the way to go with Chase cards.
Thanks again for the support. It means a loit that you watchec. Thank you!
Agree with you Jon! In terms of all the overlap and the small range of categories compared to other issuer cards. The quarterly FF categories are a little annoying as I cant always maximize on every quarter. I am on the ink train though so cant complain there haha. I do think Chase does give good flexibility w points and a great ecosystem just want to see them make some card improvements.
Hey Darius. Good day to you. Hope you have been well. Thank you for watching.
Yeah I understand that the Ink train can be powerful. I feel that most people wont go down that path though and will get just the CFU and/or the CFF and the CSP or CSR and that's it. That's why I focused on those cards in particular.
You are right though.....the Ink subs can definitely be a lot of points and a card or 2 have decent multipliers for sure. I guess the flexibility is good. Im not a fan of Southwest of Hyatt though so UR points dont mean much to me currently. But for those that are full on Chase and can get on the Ink train, thats the only power the Chase ecosystem has in my opinion.
I really appreciate you dropping by man. Thank you for the support.
I totally understand and you're right not many ppl go the ink route. Currently Hyatt is high on my redemption list for UR pts rn due to some future bookings I haven't mentioned yet 🤫 haha but I find myself in Marriotts more often. Just hope the opportunity to run through ink cards stays around for a lot longer 😅 it's like a cheat code if u can use it lol
Hey Darius. I get it man. Thats why I mentioned Hyatt. It makes a lot of sense and I hope you get all the value you are seeking in that space. Good luck brother!!
Agree 5/24 is great for marketing!
But Chase has been good to me, and they have some very good cards in their arsenal for regular people who want just a single card.
I’d love if you could rank each large bank by who has the best offerings. It’s sounding like maybe Wells is your number 1!
Hi Key!! Thank you so much for watching. I really appreciate your support.
Dont get me wrong....I earned about 150K UR points through SUBs, beyond that, they dont earn very well and are definitely not good for spend optimizers. Now for someone that wants one card and doesnt care, yeah I can see someone having the CFU and thats it.
I think WF is on to something and can be a powerhouse if they fully execute. But no, my #1 is Amex.
And dont worry....Im taking Amex to task as well. Just because im their fanboy doeent mean Im not going to roast them too.
Thanks again Key. I really appreciate you in my comments every time.
Interesting perspective Jon regarding Chase. While I agree that Chase needs to refresh their cards, particularly the CSR and need to add a permanent 3x multiplier on groceries, I would not say Chase sucks. I would argue that it’s probably the easiest ecosystem to transfer points to partners, particularly Hyatt. Nevertheless nice contrarian video 👍
Juan is in the building!! Thank you for the support good sir. I appreciate it.
I understand where you are coming from and it makes sense. Can you elaborate on Chase being the easiest ecosystem to transfer points in? Asking because I really didnt see a difference in level of difficulty when I transferred all of my Chase points out recently to the experience I have had transferring Amex points out to a partner. Would like to know more. I get that Hyatt is the latest hotness with Chase and that's why its so popular. I myself have never stayed at a Hyatt and have no plans to. No value there for me. But I totally get why so many others like yourself get that value. I appreciate you sharing man. Thank you very much for the support good sir!!
@JonsCreditAndTravel thanks for the reply Jon. Let me clarify - easiest ecosystem in the sense for someone who does mostly domestic travel or Hyatt redemptions. Hope that clarifies any confusion.
Hey Juan. I appreciate the added context. Thank you. And that makes a lot of sense. I would agree with that.
Thanks again man. I really appreciate it.
Chase is the best.. if you need groceries go gold which is trash.
Hello. Thank you for watching.i appreciate your time. Gold is actually the best grocery card for my use case. 4X is Chase 1X. Easy decision. But I'm happy that you get value from Chase. Thank you again for watching. Have a fantastic day.