Although I do really want to stay in Chase's ecosystem, I think the Chase Sapphire Reserve is still too similar to the Chase Sapphire Preferred to justify an upgrade for me. The fact that you can transfer out to travel partners with the CSP for a fraction of the effective annual fee makes it hard to justify the CSR right now in my opinion. For the welcome bonus alone, I could see this card definitely being worth it, but I just wish they would make it a more competitive luxury travel card than it is. Great review John!
Sometimes at bank branches they offer you more points. Near me, for the Sapphire Preferred, they were offering a total of 75k bonus points instead of the 60k offered online
Love the review for this card! I’m not too big on the Reserve either, however , the 80k sign up bonus is too righteous to pass up, if under 5/24 and there’s been no Sapphire bonus received in 48 months. Chase UR points are AMAZING for Hyatt but the card is average at most everything else with a high annual fee. The Preferred is the best option for most of the everyday user of Chase.
The reason why I pick my CSR over the AMEX platinum is the $300 travel credit that can be used on any and everything travel vs the platinum’s $200 travel incidental that can only be used on one specific airline per year. I prefer the credit flexibility.
Tried CSR but when I had a small claim, their customer service was mostly outsourced and really bad. Happy with my decision as I stuck with my Plat that has awesome customer service.
I used to love the CSR, but 80.000 is too small when compared to the AF. All the add-on perks do not justify the AF unless you use those services. When I had the CSR, I didn't use it for anything else other than the travel protection, priority pass, dining (when it was one of the few cards with 3x back, while most cards only had 2x or 1x back at the time), and 1.5x redemption. 80k isn't an all-time high when you consider it used to be 100k and when the AF was 450.
I am very disappointed in their rental car offerings. For example, I tried book a car in Cody Wyoming. Chase offered no cars, there ( while the rental car websites have plenty). Example #2: I booked a car for one week in Hawaii, only to realize that other companies were offering the same class of car for $200 less.
At jfk terminal 4. Global entry is closed at 8:30 pm so is Clear so you have to get in that long arse line …. You do get the benifit after get too the top of the line…yea I was surprised too
I currently have a 3 card set up, the Blue Cash Preferred, Chase Freedom Unlimited and the Costco Visa Card. Works pretty well and my thought behind it was I can always get the Gold Card at a later date when I see myself spending more on food when either I get a girlfriend or family, as I am single right now. So for my spending habits, it just makes sense for me to get the Gold later. I dont travel too much other than 2ish times a year at most domestically, so it doesnt make sense, but I am open to it in the future and maybe by then AMEX would have refreshed or updated the card with better perks or benefits. If not, I might look at the Capital One Venture X as my first high end card. CSR might be too much for me, i might stick with the CSP in the future
@@LK_EBM instacart offer us free delivery (once per month) with chase card; you are right, they inflate the price, at least 30% + junk fees, even with coupon of 50% , it's still not lucrative to shop. instacart does not allow to return nor exchange, you are at the mercy of the shopper.
Unsure what my next move should be. I've had a CSP for near a decade (was auto-upgraded) but never received a sign on bonus. I recently brought this up to Chase and their response was, "sorry, bonuses are for new customers only." Needless to say I was pretty upset for being penalized for loyalty. Thinking about downgrading my CSP and apply for a CSR... Or just leave Chase all together. Any advice?
I just subscribed to your channel! Hooray! 😇I’ve been using cc for years and with FICO 847 but comes to freebies I’m a complete idiot! Quick question, will you be able to make a video - step by step, transfer points (Chase) to book a business class from ORD to KUL via Tokyo (non stop)?
I have a similar question. Got it when it first came but did not downgrade yet. Can I downgrade then immediately apply for it again for the bonus? Are there rules I should follow for the best chances of getting approved again?
Great questions! If it has been 48 months since you received your last Sapphire bonus - then yes you can apply again and get the bonus again. Best of luck!
You have to have or make per year $800 in rewards to make that effective $205 extra over the Preferred worth it. And I only average $30/month in rewards not accounting in sign up bonuses so will only be worth it first hear for me since it will likely be my last Chase card bc it will close off my Trifecta.
Can I update an existing slate card to the Sapphire reserve and the other question is if I convert can I get the bonus or do I have to apply like new account.
The Instacart 15 dollar a month credit through 2024 is 180 per year. I believe you missed that. The door dash and gopuff may not be as easy to use for everyone, but Instacart should be applicable across the board. That a 70 dollar effective fee.
Hi Susan - no worries! It all comes back to everyones travel preferences and lifestyle. I personally still love both those cards!! Amex and Chase have the 2 most valuable points in the game!
I have had this card for 5 yrs now. Just wondering, can I downgrade my card to a Chase freedom and apply for a new Chase sapphire reserve to get new stash of 80k points?
Sucks that I got my sapphire preferred a little over a year ago. I also have the unlimited. Should I pivot to Amex or Capitol one until I’m eligible to receive the chase sign up bonuses again?
I have this card , it's my first premium card. But the customer service sucks despite a $550 annual fee my card gets blocked repeatedly when i travel, and i have to spend 20 international minutes and play 20 questions just to unblock it over a $2 Uber purchase. They always immediately transfer me to India and they don't care or understand what I'm saying. $550 to play roulette on if I'm going to embarrass myself on a date when paying for a meal
Hi John! Do you think Sapphire Reserve will offer 100,000 points in 2023? What about the Sapphire Preferred? It's only offering 60,000 point s right now.. Thanks for your help:)
Hi Debbie! I don't think it is likely we will see 100K from either as something public available - maybe a targeted mailer. But even then at 100K the card would be losing money for Chase. I like it at 80K right now and if you think the annual fee is too high you can always downgrade it from the CSR to CSP in 1 year time. Hope that helps!
It's puzzling that you think Hyatt is such a great transfer partner while you demonstrated in this video that you can get about 10 times more value for your points by transferring to airlines.
Hyatt is the best value play for hotels, as for Airlines you'll always get better absolute value due to there being 10 - $20K business and first class flights to be had
@@johnsfinancetips agree that it's the best value among the hotel options but you can do sooo much better paying cash for the hotel and using points for the $10k+ premium cabin flight that you'd never buy for cash in a million years
@@LK_EBM I don't think so. He doesn't use his referral links, but he probably does partner with banks to talk about credit cards, and in return, the banks would give him perks. He isn't the only one who does this because so many others do it, like Nerd Wallet, The Point Guy, and so on. They all get something for promoting products. It isn't all bad, either, since the client also gets something. This isn't the only channel that talks about credit cards, but every TH-cam creator promotes something like "open an account and get 20 dollars or extra stocks or 100 credits," since they don't do this for free.
You forgot to mention the Boston airport Chase lounge coming soon. Stephanie's only good for United Airlines. If you are flying Delta Airlines then no Priority Pass lounge or restaurant in Terminal A. Also the Priority Pass information is usually a few years out of date. Chase Sapphire Reserve also good for beginners that do not know how to make the most of transfer partners because they at least get 1.5X bump. The $300 travel stipend is very liberal compared to AMEX travel stipend.
@@linlinpan3150 im talking about using a Credit card to pay the monthly Morgage payment while getting rewards or a percentage cash back for it not using a Card to pay it all off at once
Although I do really want to stay in Chase's ecosystem, I think the Chase Sapphire Reserve is still too similar to the Chase Sapphire Preferred to justify an upgrade for me. The fact that you can transfer out to travel partners with the CSP for a fraction of the effective annual fee makes it hard to justify the CSR right now in my opinion. For the welcome bonus alone, I could see this card definitely being worth it, but I just wish they would make it a more competitive luxury travel card than it is. Great review John!
Sometimes at bank branches they offer you more points. Near me, for the Sapphire Preferred, they were offering a total of 75k bonus points instead of the 60k offered online
That sucks. I got a Barclay card earlier this year for 50k points, then 3 months later the bonus went up to 80k. Lame
Love the review for this card! I’m not too big on the Reserve either, however , the 80k sign up bonus is too righteous to pass up, if under 5/24 and there’s been no Sapphire bonus received in 48 months. Chase UR points are AMAZING for Hyatt but the card is average at most everything else with a high annual fee. The Preferred is the best option for most of the everyday user of Chase.
CSP actually had a 100k bonus last year.
The reason why I pick my CSR over the AMEX platinum is the $300 travel credit that can be used on any and everything travel vs the platinum’s $200 travel incidental that can only be used on one specific airline per year. I prefer the credit flexibility.
Tried CSR but when I had a small claim, their customer service was mostly outsourced and really bad. Happy with my decision as I stuck with my Plat that has awesome customer service.
John is my gateway credit guru to the credit game.
You mentioned leaving Codes for car rentals.
The global entry interview upon arrival trick only works if your flight arrives during their banker's hours.
If your home base is PDX, CSR PP gives you great value. The only reason I still have CSR.
The fact that you have to pay for an authorized user on top of the $550 is a massive knock
I used to love the CSR, but 80.000 is too small when compared to the AF. All the add-on perks do not justify the AF unless you use those services. When I had the CSR, I didn't use it for anything else other than the travel protection, priority pass, dining (when it was one of the few cards with 3x back, while most cards only had 2x or 1x back at the time), and 1.5x redemption. 80k isn't an all-time high when you consider it used to be 100k and when the AF was 450.
Your computer set up is fire
Thank you!! the 36in curved screen is amazing!
Capital one Venture X already has all these benefits and earnings by default with same signing bonus and $300 credit.
Yup, love the Venture X!
Agreed
Capital One points are terrible. No domestic airlines or decent domestic hotels. Best system is Chase or AMEX. Pick one and stick to it
@Tommy / another thing is the 300 on Capital One is limited to their portal while chase allows you to use it on almost anything travel related
My favorite perk on the CSR is the $300 credit!
I am very disappointed in their rental car offerings. For example, I tried book a car in Cody Wyoming. Chase offered no cars, there ( while the rental car websites have plenty).
Example #2: I booked a car for one week in Hawaii, only to realize that other companies were offering the same class of car for $200 less.
Excellent breakdown on benefits. Thanks!
Freakin love this video!! Is there any way you can do an in-depth one like this for the Chase Preferred? Thank you!
Looking for that car rental discount codes mentioned at the beginning…
Hi John! Do you think it’s better to have Platinum or Chase Sapphire Reserve?
Plat better if you can use the perks that offset annual fee
Plat for sure.
What is the platinum? Is that the Amex ?
Hey, that's a great questions - I think it largely depends on what you value. Plat is great for their lounges while CSR I like to max my UR value
At jfk terminal 4. Global entry is closed at 8:30 pm so is Clear so you have to get in that long arse line …. You do get the benifit after get too the top of the line…yea I was surprised too
I currently have a 3 card set up, the Blue Cash Preferred, Chase Freedom Unlimited and the Costco Visa Card. Works pretty well and my thought behind it was I can always get the Gold Card at a later date when I see myself spending more on food when either I get a girlfriend or family, as I am single right now. So for my spending habits, it just makes sense for me to get the Gold later. I dont travel too much other than 2ish times a year at most domestically, so it doesnt make sense, but I am open to it in the future and maybe by then AMEX would have refreshed or updated the card with better perks or benefits. If not, I might look at the Capital One Venture X as my first high end card. CSR might be too much for me, i might stick with the CSP in the future
Am I the only one that got 80k bonus point offer for the CSP?
Hey John, I am getting Instacart plus and $15 statement each month with CSR. Y didn’t u mention it?
What do you use it for? Seems like a hassle to use. Prices also seem inflated
@@LK_EBM instacart offer us free delivery (once per month) with chase card; you are right, they inflate the price, at least 30% + junk fees, even with coupon of 50% , it's still not lucrative to shop. instacart does not allow to return nor exchange, you are at the mercy of the shopper.
Thank you for the review!
Do you still have the link for the car rentals?
Would you consider doing a video from a place that you paid for using points or rewards?
Unsure what my next move should be. I've had a CSP for near a decade (was auto-upgraded) but never received a sign on bonus. I recently brought this up to Chase and their response was, "sorry, bonuses are for new customers only." Needless to say I was pretty upset for being penalized for loyalty. Thinking about downgrading my CSP and apply for a CSR... Or just leave Chase all together. Any advice?
I just subscribed to your channel! Hooray! 😇I’ve been using cc for years and with FICO 847 but comes to freebies I’m a complete idiot!
Quick question, will you be able to make a video - step by step, transfer points (Chase) to book a business class from ORD to KUL via Tokyo (non stop)?
No Annual Fee for active duty military! Wooo
Do you if this qualifies for spouses?
@@instillments yes for spouses they dont get annual fee as well
I'm so glad you titled this "honest review". I was getting tired of all the dishonest reviews.
I am arriving in Houston IAH from International travel. How can i request for the global entry interview? Thanks for the tip.
What are you waiting? Go enjoy somewhere!
I got the CSR when it was first introduced. Kept it a few years and downgraded to the CSP. Am I eligible for the 80,000 if I re upgrade again?
I have a similar question. Got it when it first came but did not downgrade yet. Can I downgrade then immediately apply for it again for the bonus? Are there rules I should follow for the best chances of getting approved again?
Great questions! If it has been 48 months since you received your last Sapphire bonus - then yes you can apply again and get the bonus again. Best of luck!
@@johnsfinancetips is there an amount of time I should wait between downgrading and reapplying?
Capitol One Venture X does the same 300 dollar credit also automatically
Unfortunately not, the Capital One credit must be used via their travel portal
You have to have or make per year $800 in rewards to make that effective $205 extra over the Preferred worth it. And I only average $30/month in rewards not accounting in sign up bonuses so will only be worth it first hear for me since it will likely be my last Chase card bc it will close off my Trifecta.
Can I update an existing slate card to the Sapphire reserve and the other question is if I convert can I get the bonus or do I have to apply like new account.
how does chase sapphire card compare to Bank of AmericaPremium Rewards Elite credit card??
The Instacart 15 dollar a month credit through 2024 is 180 per year. I believe you missed that. The door dash and gopuff may not be as easy to use for everyone, but Instacart should be applicable across the board. That a 70 dollar effective fee.
Idk y everyone misses that credit
Plus $5 per month from doordash and now you're at a $10 effective annual fee... Not counting any value for the free Instacart and doordash memberships
$5 Doordash sounds like a hassle to use lol
@@LK_EBM for the people that already use door dash and instacart its a easy win
@@LK_EBM it's automatic if you use DD. if you don't then it kinda useless
Priority Pass will let you take $56 off if you have someone with you. $28 each! All with your one PP card.
Is the $28 per visit to a priority pass lounge?
@Kijestic Productions thanks, and how many times can you go to those restaurants and use the $28 voucher?
@munchees Unlimited.
@@k1mcheenoodle Unlimited.
Dang I have Amex rose gold and just got the Safire chase and at the end you said not to. I just became an empty nester and want to travel ? 😮
Hi Susan - no worries! It all comes back to everyones travel preferences and lifestyle. I personally still love both those cards!! Amex and Chase have the 2 most valuable points in the game!
@@johnsfinancetips thank you John but I guess I don’t know how or understand really what to do next 🙋🏻♀️
What do you think of the new us bank shopper cash card? 6% at major retailers seems big
I have had this card for 5 yrs now. Just wondering, can I downgrade my card to a Chase freedom and apply for a new Chase sapphire reserve to get new stash of 80k points?
If you had a sapphire bonus longer than 48 months ago, then yes you can downgrade and get the bonus again. Best of luck and thanks for the question!
Sucks that I got my sapphire preferred a little over a year ago. I also have the unlimited. Should I pivot to Amex or Capitol one until I’m eligible to receive the chase sign up bonuses again?
Is it really that better to transfer to airline points?
Everyone talks about Qsuite and Doha, but Nothing in DOHA unless it’s a stop over but the qsuite is nice. Lol
I thought the museum was really cool, also got a Wow Suite upgrade at the W Doha so that was amazing too
I have this card , it's my first premium card. But the customer service sucks despite a $550 annual fee my card gets blocked repeatedly when i travel, and i have to spend 20 international minutes and play 20 questions just to unblock it over a $2 Uber purchase. They always immediately transfer me to India and they don't care or understand what I'm saying. $550 to play roulette on if I'm going to embarrass myself on a date when paying for a meal
What are JFTs?
omg 1milion reward pionts is insane 😅
Hi John!
Do you think Sapphire Reserve will offer 100,000 points in 2023? What about the Sapphire Preferred? It's only offering 60,000 point s right now.. Thanks for your help:)
Hi Debbie! I don't think it is likely we will see 100K from either as something public available - maybe a targeted mailer. But even then at 100K the card would be losing money for Chase. I like it at 80K right now and if you think the annual fee is too high you can always downgrade it from the CSR to CSP in 1 year time. Hope that helps!
Where are the car rental discount codes ?
Wish they included verbo and air bb
How does bro have this many points lol😅
He earned tons of points by us using his referral links
Just been doing this a lot - also the business cards EIN and SSN. Referrals have been a small portion till recently
How do you have 1.4mil UR? Burn em with PYB at least.
Venture x is way better with the 2% on everything
if you are ACTIVE DUTY military - Chase will waive the Annual Fee...
So does Amex Platinum
I thot you will not mention Venture X 😂😂😂🤣🤣🤣
Venture X was better when it had the hotel credit and 100k points. Now it isn't as shiny.
It's puzzling that you think Hyatt is such a great transfer partner while you demonstrated in this video that you can get about 10 times more value for your points by transferring to airlines.
Hyatt is the best value play for hotels, as for Airlines you'll always get better absolute value due to there being 10 - $20K business and first class flights to be had
@@johnsfinancetips agree that it's the best value among the hotel options but you can do sooo much better paying cash for the hotel and using points for the $10k+ premium cabin flight that you'd never buy for cash in a million years
How did you earn so many UR points? That's amazing!
A lot probably came from referral bonuses. We're paying for his vacations lol
@@LK_EBM I don't think so. He doesn't use his referral links, but he probably does partner with banks to talk about credit cards, and in return, the banks would give him perks. He isn't the only one who does this because so many others do it, like Nerd Wallet, The Point Guy, and so on. They all get something for promoting products. It isn't all bad, either, since the client also gets something. This isn't the only channel that talks about credit cards, but every TH-cam creator promotes something like "open an account and get 20 dollars or extra stocks or 100 credits," since they don't do this for free.
Flexibility 👑
😀😀😁😁😍😍👍👍Order Today
Get the capital one venture card!!!
You forgot to mention the Boston airport Chase lounge coming soon. Stephanie's only good for United Airlines. If you are flying Delta Airlines then no Priority Pass lounge or restaurant in Terminal A. Also the Priority Pass information is usually a few years out of date. Chase Sapphire Reserve also good for beginners that do not know how to make the most of transfer partners because they at least get 1.5X bump. The $300 travel stipend is very liberal compared to AMEX travel stipend.
Can't wait for that Sapphire lounge!! Ya Delta I like the outpost Sky Club with Amex Plat
@@johnsfinancetips People had suggested going through security twice but that is not possible in several airports such as Tampa.
Had a question John, whats a good card to use to pay off our Mortgage and get cashback/rewards?
You can't pay a mortgage with a credit card
@@linlinpan3150 im talking about using a Credit card to pay the monthly Morgage payment while getting rewards or a percentage cash back for it not using a Card to pay it all off at once
😮
@@Alkemist369 You can only pay a mortgage with debit or bank withdrawal.
@@AG-mm9wn Thank you for clarifying I didnt know that
bro 1.4 million? holy shit man wtf...how???
he might have help from photoshop.
you are amazing
You blink really slow
haha - happy to help!!
You forgot the 15$/month credit on instacart