Thanks for stopping by! 💪🏾Make sure to SUBSCRIBE if you enjoy my content! I appreciate you! And if you're looking to get the Chase Sapphire Reserve, my referral link is here: www.referyourchasecard.com/19k/T0UFKOMKJQ
I just upgraded to the reserve a little over a week ago. I booked a trip and immediately received the $300 credit. I also have the Amex Platinum, which I love but the AF’s has me shaking in my boots. I love both cards and I can see myself keeping both long term. The benefits are outstanding! I’m new to your channel and your content is outstanding!
Lol at Amex AF has you shaking!😂 I appreciate you supporting my channel and your sub! Stick around and stay in touch! I still have so much more on the way!
Honestly.. no one talks about travel and cards the way that you do. I never considered any of the things you mentioned in this video. Great info! Keep it up! Comment for the algo
Your support for my channel and content is not overlooked! Thanks for watching every vid and commenting. It really means a lot and helps me get my word out to more viewers!💪🏾
Great video Lani!! I have the CSP and have contemplated upgrading to the CSR but I use 100% of my Chase points to transfer to Hyatt which would be the same in the CSR and already have a card that has PP access (there are no PP restaurants in my home airport). On the CSP I definitely use the “online grocery” feature when paying through a grocery APP in store which is not available on the CSR so for now the CSP works, but as they say mileage may vary! Great overview again, the videos are well done!
Hey, Ryan! Thanks for sharing, and you're absolutely right, everyone's mileage may vary. Based on what you said, the CSR may not be the best card for you, and that's ok! You did your research and sounds like the CSP is the better card for you. Thanks for the feedback on my vids. I put a lot of time into each one to provide the best content I can.
Lani at this point I’m paying more attention to the editing then the info, Great job again!! I have a Costco membership but not a CSR if I did I would 100% used the Insta-cart trick.
@@CallMeLani Ah cool cool! Nevermind then. A lot of the transitions/effects look very similar to plugins I'm aware of. Thanks for the clarification and great video. Awesome thumbnail by the way 👊🏼
Thanks for the sub! I'm still a new TH-cam creator (less than 3 months), but I'm working hard to provide quality content that'll grow my channel. People like you and your supportive comments keep me motivated💪🏾. I appreciate you! You can always share with friends/family/co-workers as well to get the word out!
@@CallMeLani Definitely! Your content and perspective is amazing. -- You're the first person I've seen mention the miles benefit of using the chase portal. That alone should let folks know you're not playing around 😂. I look forward to following your journey from here on out. 😁
I got the card for 3 reasons. 1. Airport lounge access (for two) on layovers and international flights. 2. 3x points on cruise purchases. 3. Transfer points to Hyatt or airlines.
Yo! Thanks for the comment and stopping by, Luke! I've been meaning to reach out to you, but was gonna wait until after the holiday. Let's connect in 2024!
You nailed that right on the head with Newark. They suck! Caused me to miss my connecting flight. Had to wait 5 hours for the next flight and was #3 on the waitlist for that. Thank goodness, I made the cut
Getting a Sapphire card early next year depending on which one has an elevated offer first which seems like the CSP. I’m so excited to be apart of the Chase family.
Nice! Chase is a good family! I'd love to hear your experience after you get it. Stay in touch, and if you haven't done so already, make sure to subscribe! I always have more tips on the way
Just subscribed!! Thanks for all that helpful info! I’m in the process of booking a flight from RDU to BRU with my CSR through Chase Travel. There aren’t any currency exchange locations near me, so having the zero foreign transaction fee feature is going to come in handy while I’m cashless.
It really is! Thanks for the comment and the compliment! Glad you find my content beneficial! If you haven't already done so, make sure to subscribe and stay in touch! I have even more on the way!
Recently got the Preferred and I like it. I’m going to get the Reserve when I’m eligible for a welcome offer again, but I think the reserve is the most well rounded and best luxury travel card out there. That AF is a bit much for me as of now, but I plan on getting it in the future!
Dope video Lani and yes I am subscribed before you ask lol. As someone with the CSP I have been contemplating if I want to upgrade because of the scary effective $250 AF. I’ve used AskSebby’s calculator to break down my numbers to see if the CSR makes sense for me. I personally can earn enough UR points through regular spend (roughly 16,700) from both the CFF/CFU thus breaking even before using the credits 😁. In terms of credits I plan on using the $60 yearly DoorDash and one LHRC booking a year with my wife to take advantage of both the easy $300 credit and also the $100 experience credit. Great vid!
Hey, Torrence! Thanks for the compliment and comment! Haha yes, you knew I was gonna ask (because I'm on a mission!) That's a great setup! Making use of multiple aspects and keeping your AF costs down! Smart!
@@CallMeLani thanks! Definitely hope your channel grows. I should always be in the positive with my CSR AF. In true Lani fashion I’ve double-dipped my points the other day with a gas station purchase. I have my CFU linked to my Upside app to gain cash back at select stations; also that same station was one of my Chase Offers as well, which I activated. Not too shabby 😅👌🏾… I’m trying to get like you
I just got the card and I’m trying to learn how to use it. Thanks for the video. I have a lot of travel coming up this year. To meet the 60,000 can I use everyday purchases and bill such as my mortgage? Also I’m about to book a trip so I just go through the airlines? How do I use transfer partner?
Congrats on getting the card! Yes, you can use the card for everyday things as well. if you can pay your mortgage via credit card then it should work. I'd say make sure to check if there is a processing fee or not. (I can't pay mine with a credit card....). As for booking a trip, if paying out-of-pocket, you can book directly with the airlines, or through Chase's travel portal. You'll get more points paying out-of-pocket in the travel portal vs with the airlines directly. If booking with points, in your Chase Rewards acct, under travel, you'll see a list of transfer partners which you can transfer your points to, once tranferred you'll book the trip on the partner's site using the points you just transferred. If you haven't done so already, make sure to subscribe and stay in touch. Happy to continue helping you out! Also check out this video where I break down points and how to use them. th-cam.com/video/YFFZLhF6cDo/w-d-xo.htmlsi=8JZJk2XIFTMr5VLB
@@CallMeLanithanks for the info Lani! When I use the card overseas do I need to say US dollars or foreign currency? It’ll be my first time traveling to the UK. Also what are things you charge to reach the bonus points? Oh and will the $300 travel credit be applied for flights? I have a hotel and flight to book soon.and lastly, my spouse is an authorized user for an extra $75- will she be able to get the TSA as well or is it just one per account? And priority pass done each get one? Hope that makes sense lol oh and one more, would you suggest I use this card for all my grocery shopping, gas and daily expenses? Or travel only?
[cracks knucles] Ok, rapid fire! 1) Normally I would say use local currency, but UK Pound is doing better than US dollar so as long as the merchant does not charge you to convert then pay US. If they charge, pay in local. 2) all purchases will go toward welcome bonus spend. soo use it for anything 3) yes, $300 travel credit will apply for flights and anything that is considered travel by Chase 4)Global Entry/TSA credit is only 1 per account. It will not apply to your authorized user 5) Sams with Priority Pass. Only you the account owner will get it, but you can bring in up to 2 guests with you for free. So make sure you register for it and get the app 6) depends on of you have other cards. I recommend use the card for everything until you hit the welcome bonus. which based on your upcoming bookings etc, sounds like it won't ba an issue. But if you have another card that provides more rewards for dining or groceries use that. Hope that helps!@@lovealwaysjasmine
I’ve been thinking about switching from the capital one world to the chase world but not having a grocery category that’s constant is somewhat what keeps me from changing. Mainly because that’s my main spending monthly. I do love Hyatt being a transfer partner and everything else they come with though.
I feel you. I hate that Chase does not have a dedicated grocery category (maybe it'll come permanent in 2024 🤞🏾). Chase is still super valuable ecosystem for me and the Freedom Flex will have grocery in Q1'24. Appreciate you stopping by. Make sure to subscribe and stay in touch as I'll cover all the ways Chase makes changes throughout 2024. Talk soon
My question is why do you say Chase is paying $600 off your vacation, but you actually paid two $550 annual fees for a total of $1100. Therefore, Chase didn’t pay for it, you did when you paid the annual fee. Can you explain this?
Yes, That's why I say its subjective. It's no different than someone saying your annual fee is only $250 a year because of the same $300 credit. It's depends on who/how you look at it. Everyone has their own way they spin it. I personally don't take away from the annual fee as anyone will pay $550/year in AFs no matter if you use the credit or not. You still have to pay that $550 (and that includes many other benefits too). This way the $300 travel credit is fully from Chase as a card benefit. But you have to spend $300 in travel on something to receive it.
You could say we're paying for the lounges, insurances and other benefits -- worth the $550-- and getting the vacation for free. Without it, we'd have to pay for everything and get less.
I have clear and global entry. I recently flew out of Austin and the line at the TSA and clear was longer than the regular line. In other words, the people that had no special clearances got in faster than the ones that did go figure
With TSA/Clear, now that so many people have credits, I'm starting to notice that more and more as well that those lines can sometimes take longer than regular line. I will say it depends on the airport tho. Its not like that everywhere. But with all my electronics I carry and I don't want to take my shoes off, I'll drag thru it... Also if you haven't done so already, make sure to subscribe! I got more info on the way! Thanks!
@@CallMeLani I will subscribe my wife and I are older. We travel about once a month, but we generally travel at off-peak hours. So when we go the lounges are very seldom full
smart. I'm actually recording a new video now where I talk about traveling during off-peak days/months to avoid crowds. You already know! Thanks for subscribing! Stay in touch!@@DaveMartinez-o1s
Great video! My only issue is, there isn’t any Priority Pass restaurants or lounges that I can take advantage of at LAX (Los Angeles International Airport).
That being removed as a perk from this card in July 2024. Great benefit and a loss for anyone that did or could use it. Thanks for stopping by! Subscribe and stay in touch!
It does not. If you do not use it before it is refreshed by your account anniversary you will lose it. So if you planning something over a year out, just pay in advance or via down payment or partial payment. As long as the transaction codes as travel, the credit will apply. The actual date you take the trip is not relevant.
Thanks for this. There were a few things about this card I didn’t know. (And a few things I’ll add which happened after this video. 1-The CSR lounges. Boston & LGA are great. Haven’t seen JFK yet) 2- CSR is removing the $28 restaurant credit starting in July I think which suuucckksss. There aren’t enough CS lounges to make up for this) But my question is I don’t quite understand the stacking with Instacart. Using different cards. I actually didn’t know about that credit but can someone please explain a bit further?
Thanks! For sure. Let's say you have a $100 Instacart order. Right now (Q2'2024) the Chase Freedom Flex gets 5x with Amazon. so you could buy a $85 Instacart gift card from Amazon for 5pts/$, add that to your Instacart account, finish your order and pay the remaining $15 balance with your CSR (which will be removed from your statement) while this $15/month offer is still going on.
@@CallMeLaniah, okay so you could be maximizing points and decreasing your instacart bill. I have a regular Freedom (I think - barely use it) but I’ll check this out. Thanks for the clarification!
I would have to disagree with you on that night in Miami at the Intercontinental being free. You paid for the $300 in your annual fee so not technically free. I use to load up my Fast Trak account to use up the $300 in travel credit. You said you fly out of SFO so I’m sure you are aware of FastTrak. I did that during covid when I wasn’t traveling. Since then I downgraded my Reserve and applied for and got the welcome bonus on the Preferred. Most of the benefits you mentioned are available for free on tons of other cards. Priority Pass, Global Entry, Insurances etc. I just was not getting the value of $550 annual fee or $250 actual annual fee. Maybe in the future things will change but as for now all my bases are covered with other cards and all my cards combined do not add up to $550 or even $250 annually
Hey, jaymeez! great to hear from you again. Yeah, I know FastTrak. I was in Bay Area last week! 2 things here. 1) Awesome that you realized that your situation changed and you reevaluated your setup. Smart move! 2) regarding the travel credit, that's why I say its subjective. Each person see's it their own way. I don't consider my AF as $250 as I will pay the $550 for all the benefits including the $300 credit. The difference is, if I don't spend anything on travel with the card, I still have to pay $550/year. So because I look at it that way, I say I saved (or chase paid) that $300
I’ve avoided this card because it does not pay for itself. Have you found a way for the card to pay for the remaining $250 after the &300 travel credit.?
You could say the Lyft Pink/Instacart/DoorDash membership credit cover that, but I personally don't think of it like that. The other benefits help me justify that value (for me) as I use almost all of them. I've saved myself thousands of dollars from those benefits just this year alone. I appreciate the comment. And there's nothing wrong with avoiding it. If it doesn't work for you, then it doesn't work for you. Happy to hear you're doing your research! Make sure to subscribe as I have more vid to help find the right card coming in the near future!
I think you glossed over how powerful having Hyatt as a travel partner is with chase. I’ve gotten 21 stays in 2023 with Hyatt on reward stays with three nights in Tokyo as an example. The thing about Hyatt vs other hotel partners is you can get reward night stays for as little as 6500 points vs 60,000 at a place like Marriott. But good job on the other stuff.
@@jgennitti Please explain how you get 21 Hyatt stays every year with the Sapphire Reserve card. I do not count the sign on bonus or the amount of spend that I would need to put on the card to generate enough points for a hotel stay as covering the cost of the card. In your example of 21 award nights @6500 points per night you would need 136.5K points per year. There are better ways for me to utilize those points than spending night at a Hyatt Place hotel. I’m not knocking anyone who uses the card. I just don’t see how to recoup the remaining $250 of the annual fee after using the annual travel credit of $300.
It’s not just off the bonus, you earn points by using the card through the year. Im just saying what I did last year with my card. plus I use the other chase cards to earn more points that have $0 annual fee and transfer to my sapphire. You need the sapphire card in order to send points to Hyatt. 6500 points is essentially $65. If I wanted to get the same room with cash it would be close to $200 a night plus resort fees. Thats what I use my card the most for. There are very few card that let you use Hyatt and all charge an annual fee. You also make it up on airport lounges. To get that perk is a $400 value. You can get the sapphire preferred card for $99 instead if the annual fee is too high on reserve, but you won’t get airport lounge access, but can still transfer points to Hyatt. It all comes down to if you travel a lot. If you don’t, it’s not worth it.
@geauxrun - Two points that were not highly emphasized in the video. 1) Airport lounge access, to me, in invaluable. Even if I am traveling economy, I can access the lounge with the Chase Saphire Reserve card. Over a year of traveling (I'm semi-retired and travel a fair amount) by eating and drinking in the lounge for free versus buying food at airport restaurants I save much more that the $250 effective annual fee ($550AF minus the $300 travel rebate equals an effective annual fee of $250). The lounge is a much better place to spend a layover when you factor in better wifi (usually), more comfortable furniture and environment, food and drink, AND not having to use a public restroom that 5,000 people have used in the last hour. The lounge restrooms are normally nicer and better maintained. Some lounges have quiet rooms and shower facilities. 2) Hyatt points are much more valuable than other hotel points, since the number of points required for a free night's stay at Hyatt is much lower. Transferring points to Hyatt also allows me to work toward elite status with Hyatt, giving me access to their club lounge (room upgrades, free breakfast, happy hour including booze, soft drinks and heavy hors d'oeuvres). So, airport lounge access and transferring almost all my points to Hyatt are the two biggest perks in my opinion. Cheers!
Depends on which benefits you're going to gain from the upgrade. If you're planning to use it for the travel portal boost or travel insurance, then I'd say yes.
Haha! You're right that is a good perk as well! Appreciate that, Juan! Make sure to subscribe if you haven't done so already. I'll have some purchasing tips/tricks coming in a future video!
@@CallMeLani ok, thanks for letting me know! Just so I understand better, if I were to get approved say in December of this year, would another $300 credit be available the following month in January? I'm curious if this will be available for that one occurrence to help offset that first annual fee? Hopefully my question made sense. Thank you for your help and time!
Nice! Congrats! Not a bad limit either. If you haven't done so already, make sure to subscribe and stay in touch as I have more on the way about this card and others I pair with it. Appreciate you and the comment.
Hey, DC (awesome username btw). I don't have a Ritz, but there's no harm in this card not working for you. I'm not mad at it! You gotta do hat's best for you and your setup.
The CSR is a great card, but to say that room is "free" is just misleading. You simply just pre-paid it with the annual fee. The card is great in that you get value back after paying the annual fee if you use it correctly, and the other benefits it has.
Hey, Julio! I appreciate your opinion and feedback. Everyone looks and spins AFs differently. Some would say its "technically" $250, or that the Amex Gold is "essentially" $10/year after the food credits. It's still just a credit. This is why I say in the video, its "subjective" depending on how you look at it. Then go on to explain how it truly works and explain the proper process. But regarding the AF, I'll pay $550/year. That's non-negotiable.
@CallMeLani I like how you explain this. You did call it a credit when you explained it too. I wonder if this person goes on Sebby or Ben's page and say it's misleading when one of them says the annual fee is $10 on the Amex gold or the venture ends up pay you? I bet you he doesn't. It's no different. Plus you said subjective twice in this video. Keep it up
@user-ml5bz2cg9p There is a difference saying the effective annual fee is $250, vs saying a $300 room is free. One is lowering the effective annual fee if you were going to spend the 300 anyways(key on SPENDING it), and one is saying the room is free.
Hi Lani, your video was very informative. I just got approved for Chase Sapphire Reserve. I also have Chase Freedom Ultimate. My family of 4 is planning in going to Philippines in December 2024. I'll be buying the plane ticket soon as it opens. Since I don't have points yet and the cost estimate is roughly $10k round trip, what's your strategy? I'm new to travel points. Pls advise. Thank you :)
Hi, Guadalupe! Congrats on your new card! Once you get used to it, I'd like to hear your thoughts about it and how you use it for your family. As for your question, The 1st thing I recommend is buy your tickets using the card as you'll ensure you hit that welcome bonus. 2nd, assuming you'll be paying all cash due to not having points, you can still use the Chase travel Portal to book those tickets. This way you'll 5pts/$ vs. just 3 and your $300 credit will still apply. Also know that even if you have just a few points already from your Unlimited card, you can move those points to your Reserve card and do a split booking in the travel portal and get the 1.5ct/pt still. Split means use some points and some cash. This could save you as well depending on how many points you have.
Bro.... im sorry, I didn't get the Instacart stack. Explain it more? Flex has Amazon right now at 5% so get an instacart gift card for the total price of my order minus $15.01 that my reserve gives me and????
Correct. In this case. Buy the Instacart GC from Amazon for total price of cart - $15.01. Add the the gift card to your IC account and pay for your card with the GC+the CSR. The remaining $15 on the CSR will be removed from your statement. This way you get the 5% from the flex and still save $15
@@CallMeLani Dude.... wow I get it....... As another commenter said you should find a way to make these tips into a "sheet" that you update as offers come and go. I think patreon is a good platform for this ;) I hope you follow through, cant wait to subscribe for more of these hacks!
@@CallMeLani Hey! I just did this with doordash credit as well! Amazon 5x on flex for the remainder of my $5 reserve credit. I have some gift card monies left but rinse and repeat next month. Love it!
Hi, thanks for this video. I’m a bit confused about how you’d get frequent flier miles from the Chase travel portal. You’d be paying with the flight with the CSR or would you be paying with a dedicated airline card that gives you miles?
Hi, Sylvia! Thanks for stopping by. As for your question, you pay with neither. I use Chase Points to pay. When you do this, Chase pays for the ticket for you (i.e. with cash), meaning it is not an award ticket with United, thus you're eligible to earn miles when you fly. Hope this answers your question. Subscribe and stay in touch!
So let me get this right so you used $300 credit for a room. The room was just for barley one day before a cruise 😅. That's a complete waste of that credit. Yes waste..
I respect your opinion, but saving $300 is saving $300 no matter how you look at it. Also the room was over $700 to start, after status and discounts then the credit. It was a good deal. Thanks for the comment
I get that a lot. But I travel so much, that downgrading or canceling would hurt me more than help me. So I just always hold onto it. Also, my Player 2 has the Preferred. Thanks for the comment. If you haven't done so already, make sure to subscribe and stay in touch! I appreciate you!
People talking about the "fee"... This type of card is not for "You". If you're a heavy spender, the benefits you get from this card far exceeds it's fee.
Thanks for stopping by! 💪🏾Make sure to SUBSCRIBE if you enjoy my content! I appreciate you!
And if you're looking to get the Chase Sapphire Reserve, my referral link is here: www.referyourchasecard.com/19k/T0UFKOMKJQ
I just upgraded to the reserve a little over a week ago. I booked a trip and immediately received the $300 credit. I also have the Amex Platinum, which I love but the AF’s has me shaking in my boots. I love both cards and I can see myself keeping both long term. The benefits are outstanding! I’m new to your channel and your content is outstanding!
Lol at Amex AF has you shaking!😂 I appreciate you supporting my channel and your sub! Stick around and stay in touch! I still have so much more on the way!
The more I learn about the Sapphire Reserve, the more I consider upgrading my Sapphire Preferred. Thanks for sharing why you love this card!
Appreciate you stopping by and supporting. If it makes sense for you, I totally recommend this card
Nice video, Lani.
Kicking it off, Keith! I really appreciate your support! Thanks! This will be going to a good cause
This video came at a great time, i've been thinking about getting the Chase Sapphire Reserve next year. Great points in here!
Thanks, Olivia! Glad it is helpful and informative for you. Thanks for your comment!
Oh wow. You're dropping gems. My card arrives today so I'm trying to learn in anticipation to getting it. I just liked this video. 👍🏾
Congrats! Always more gems on the way. Subscribe and stay in touch! Appreciate you!
Appreciate you and will do.
This video = GEMS. So much good perspective, and considerations to ponder.
Everybody needs to watch this video.
Apprecite you stopping by, Key! Stay in touch!
Honestly.. no one talks about travel and cards the way that you do. I never considered any of the things you mentioned in this video. Great info! Keep it up! Comment for the algo
Your support for my channel and content is not overlooked! Thanks for watching every vid and commenting. It really means a lot and helps me get my word out to more viewers!💪🏾
@@BrandonJones-d1o came here to say this! One of the best videos on this card
@@Herdivinestory Thank you! I appreciate it!
Watched it again and wow this is the ultimate strategy video !!
Thanks for the hacks and use cases
Thanks Key!
Great video Lani!! I have the CSP and have contemplated upgrading to the CSR but I use 100% of my Chase points to transfer to Hyatt which would be the same in the CSR and already have a card that has PP access (there are no PP restaurants in my home airport). On the CSP I definitely use the “online grocery” feature when paying through a grocery APP in store which is not available on the CSR so for now the CSP works, but as they say mileage may vary! Great overview again, the videos are well done!
Hey, Ryan! Thanks for sharing, and you're absolutely right, everyone's mileage may vary. Based on what you said, the CSR may not be the best card for you, and that's ok! You did your research and sounds like the CSP is the better card for you. Thanks for the feedback on my vids. I put a lot of time into each one to provide the best content I can.
Lani at this point I’m paying more attention to the editing then the info, Great job again!! I have a Costco membership but not a CSR if I did I would 100% used the Insta-cart trick.
I don't know if that's a good or bad thing Abdullahi 😂 but always appreciate you stopping by with your support
Great video, Lani! This really helped out. I also noticed quite a few plugins that you used to edit this video. Do you edit in FCP by chance?
Hey, Dylan! Glad to help! I don't edit alone, but I use Premier Pro. Always happy to talk tech. Subscribe and stay in touch!
@@CallMeLani Ah cool cool! Nevermind then. A lot of the transitions/effects look very similar to plugins I'm aware of. Thanks for the clarification and great video. Awesome thumbnail by the way 👊🏼
You just got a super sub! I'm legit mad you don't have more subscribers. We'll have to change that 🎉
Thanks for the sub! I'm still a new TH-cam creator (less than 3 months), but I'm working hard to provide quality content that'll grow my channel. People like you and your supportive comments keep me motivated💪🏾. I appreciate you! You can always share with friends/family/co-workers as well to get the word out!
@@CallMeLani Definitely! Your content and perspective is amazing. -- You're the first person I've seen mention the miles benefit of using the chase portal. That alone should let folks know you're not playing around 😂. I look forward to following your journey from here on out. 😁
I like your delivery a lot man appreciate it Hope you get to a million subscribers one day!
Appreciate you right back!🙏🏾💪🏾Thank you!
I got the card for 3 reasons. 1. Airport lounge access (for two) on layovers and international flights. 2. 3x points on cruise purchases. 3. Transfer points to Hyatt or airlines.
3 very good reasons, IMO!
Bro, your editing is 🔥🔥🔥🔥. Great content too 🫡
Yo! Appreciate you stopping by, Sledge! You ready to hit that sub button yet!? Lol!
@@CallMeLani hahaha, I thought I was already subbed but, I got you. Keep this 🔥🔥🔥🔥 content coming
But are You subbed to ine though hahaha
Yes I am!!
Been binging CC vids lately and your video had so much info nobody else mentioned. Subbed!
💪🏾 Appreciate that! Glad to hear that the work I put into my content resonates well. Thanks for the comment and stay in touch!
Great video about my favorite card 😄😄🎉🎉🎉
Appreciate it! More to come! Subscribe and stay in touch!
I got to take notes. Very well done.
Thanks! Subscribe and stay in touch! I appreciate it!!
Hey Lani.....another outstanding video.....thank you for keep on sharing your knowledge with us!
Appreciate you! 💪🏾
Just subscribed, comment for the algorithm. Great info in both Chase Reserve videos!
Thanks so much for subbing and the compliment! Really appreciate it.
Great video, Lani! I’ve had my eye on this card for a while!
Yo! Thanks for the comment and stopping by, Luke! I've been meaning to reach out to you, but was gonna wait until after the holiday. Let's connect in 2024!
@@CallMeLani absolutely!!
You nailed that right on the head with Newark. They suck! Caused me to miss my connecting flight. Had to wait 5 hours for the next flight and was #3 on the waitlist for that. Thank goodness, I made the cut
I have plenty of stories/memories in Newark lol
Lani, I love how you alway provide point stacking on your videos. Where the heck did you get your shirt? I love it.
Haha! I got it from an Urban Outfitters. I had to cover the last word with my mic 😂
You’re my favourite credit card TH-camr with the best tips and point stacking hacks
Appreciate that! Appreciate you as well!💪🏾
I should be sleep but I’ve been binging on CC videos and your content resonates the most with me. I’m subbing!
This is a great comment to start the day with! Thank you very much, Nala! Much appreciated 🙏🏾
Getting a Sapphire card early next year depending on which one has an elevated offer first which seems like the CSP.
I’m so excited to be apart of the Chase family.
Nice! Chase is a good family! I'd love to hear your experience after you get it. Stay in touch, and if you haven't done so already, make sure to subscribe! I always have more tips on the way
Amazing video ! Outstanding on every level ! Well done in every respect !
Most informative, thoroughly researched ! Kudos to you !
Thanks a million for this!! Glad you enjoyed it and that it was helpful!! Talk soon!
Just subscribed!! Thanks for all that helpful info! I’m in the process of booking a flight from RDU to BRU with my CSR through Chase Travel. There aren’t any currency exchange locations near me, so having the zero foreign transaction fee feature is going to come in handy while I’m cashless.
Thanks so much for stopping by and subscribing! Yes, the no foreign transactions fee is so valuable while in different areas! Have a great trip!
Appreciate you right back. Enjoy your trip and stay in touch
thorough, professional, and easy watching...
Appreciate that, Steve! Hit that subscribe button if you haven't done so already and I'll continue to bring these 3 aspects to every video. Talk soon!
IMO it's still the best card on the market. Your channel is great, real hax.
It really is! Thanks for the comment and the compliment! Glad you find my content beneficial!
If you haven't already done so, make sure to subscribe and stay in touch! I have even more on the way!
🙌🏾🙌🏾🙌🏾 i’ve had the card for some time now, and i still learned a lot. thank you
You are so welcome! That's not even everything haha! More is on the way!
Auto magically. Love it. Great vid!
Appreciate it, Beau!
Recently got the Preferred and I like it. I’m going to get the Reserve when I’m eligible for a welcome offer again, but I think the reserve is the most well rounded and best luxury travel card out there. That AF is a bit much for me as of now, but I plan on getting it in the future!
Nothing wrong with the Preferred. Especially if that's better for you and your setup at the moment
Dope video Lani and yes I am subscribed before you ask lol. As someone with the CSP I have been contemplating if I want to upgrade because of the scary effective $250 AF.
I’ve used AskSebby’s calculator to break down my numbers to see if the CSR makes sense for me. I personally can earn enough UR points through regular spend (roughly 16,700) from both the CFF/CFU thus breaking even before using the credits 😁. In terms of credits I plan on using the $60 yearly DoorDash and one LHRC booking a year with my wife to take advantage of both the easy $300 credit and also the $100 experience credit. Great vid!
Hey, Torrence! Thanks for the compliment and comment! Haha yes, you knew I was gonna ask (because I'm on a mission!) That's a great setup! Making use of multiple aspects and keeping your AF costs down! Smart!
@@CallMeLani thanks! Definitely hope your channel grows. I should always be in the positive with my CSR AF.
In true Lani fashion I’ve double-dipped my points the other day with a gas station purchase. I have my CFU linked to my Upside app to gain cash back at select stations; also that same station was one of my Chase Offers as well, which I activated. Not too shabby 😅👌🏾… I’m trying to get like you
💪🏾 Not too bad!! I just that similar move at the gas station yesterday!
new subscriber here! i love my chase card 😍
Thanks for stopping by (and the sub), Courtney!
Wow man who does your thumbnails this one looks great!
Haha! Thanks Chad! I'll be reaching out to you soon
Hi! I'm also interested in knowing who does your thumbnails. Thank you!
Great list. Thanks for sharing
Thanks for watching! Make sure to subscribe and stay in touch! I appreciate you!
I just got the card and I’m trying to learn how to use it. Thanks for the video. I have a lot of travel coming up this year. To meet the 60,000 can I use everyday purchases and bill such as my mortgage? Also I’m about to book a trip so I just go through the airlines? How do I use transfer partner?
Congrats on getting the card! Yes, you can use the card for everyday things as well. if you can pay your mortgage via credit card then it should work. I'd say make sure to check if there is a processing fee or not. (I can't pay mine with a credit card....). As for booking a trip, if paying out-of-pocket, you can book directly with the airlines, or through Chase's travel portal. You'll get more points paying out-of-pocket in the travel portal vs with the airlines directly. If booking with points, in your Chase Rewards acct, under travel, you'll see a list of transfer partners which you can transfer your points to, once tranferred you'll book the trip on the partner's site using the points you just transferred.
If you haven't done so already, make sure to subscribe and stay in touch. Happy to continue helping you out! Also check out this video where I break down points and how to use them.
th-cam.com/video/YFFZLhF6cDo/w-d-xo.htmlsi=8JZJk2XIFTMr5VLB
@@CallMeLanithanks for the info Lani! When I use the card overseas do I need to say US dollars or foreign currency? It’ll be my first time traveling to the UK. Also what are things you charge to reach the bonus points? Oh and will the $300 travel credit be applied for flights? I have a hotel and flight to book soon.and lastly, my spouse is an authorized user for an extra $75- will she be able to get the TSA as well or is it just one per account? And priority pass done each get one? Hope that makes sense lol oh and one more, would you suggest I use this card for all my grocery shopping, gas and daily expenses? Or travel only?
[cracks knucles] Ok, rapid fire!
1) Normally I would say use local currency, but UK Pound is doing better than US dollar so as long as the merchant does not charge you to convert then pay US. If they charge, pay in local.
2) all purchases will go toward welcome bonus spend. soo use it for anything
3) yes, $300 travel credit will apply for flights and anything that is considered travel by Chase
4)Global Entry/TSA credit is only 1 per account. It will not apply to your authorized user
5) Sams with Priority Pass. Only you the account owner will get it, but you can bring in up to 2 guests with you for free. So make sure you register for it and get the app
6) depends on of you have other cards. I recommend use the card for everything until you hit the welcome bonus. which based on your upcoming bookings etc, sounds like it won't ba an issue. But if you have another card that provides more rewards for dining or groceries use that.
Hope that helps!@@lovealwaysjasmine
@@CallMeLani yay omg you’re awesome! Thank you for all your help! I really appreciate it 😊
I’ve been thinking about switching from the capital one world to the chase world but not having a grocery category that’s constant is somewhat what keeps me from changing. Mainly because that’s my main spending monthly. I do love Hyatt being a transfer partner and everything else they come with though.
I feel you. I hate that Chase does not have a dedicated grocery category (maybe it'll come permanent in 2024 🤞🏾). Chase is still super valuable ecosystem for me and the Freedom Flex will have grocery in Q1'24.
Appreciate you stopping by. Make sure to subscribe and stay in touch as I'll cover all the ways Chase makes changes throughout 2024. Talk soon
My question is why do you say Chase is paying $600 off your vacation, but you actually paid two $550 annual fees for a total of $1100. Therefore, Chase didn’t pay for it, you did when you paid the annual fee. Can you explain this?
Yes, That's why I say its subjective. It's no different than someone saying your annual fee is only $250 a year because of the same $300 credit. It's depends on who/how you look at it. Everyone has their own way they spin it. I personally don't take away from the annual fee as anyone will pay $550/year in AFs no matter if you use the credit or not. You still have to pay that $550 (and that includes many other benefits too). This way the $300 travel credit is fully from Chase as a card benefit. But you have to spend $300 in travel on something to receive it.
You could say we're paying for the lounges, insurances and other benefits -- worth the $550-- and getting the vacation for free.
Without it, we'd have to pay for everything and get less.
Because "free" sounds better and gets views.
The point he is making is you used 2 years worth of credit for 1 vacation trip. So 1 big trip vs 2 small trips.
Why does Chase make it so difficult to view your travel credit balance?
Great information, but the strategically placed microphone is my favorite thing about this video😆
You noticed that!? 😂 Hit subscribe! I got more t-shirts on the way!! Lol!
gems, thank you for this!
haha! you're welcome. glad you enjoyed it. Make sure to subscribe as I have even more on the way. I appreciate your comment!
And thank you for the video very informative
You're very welcome!
Oh, yeah, please do a VID for all the CCs you don’t plan to delete
next one is coming soon!
@@CallMeLani Looking forward to it!
I have clear and global entry.
I recently flew out of Austin and the line at the TSA and clear was longer than the regular line. In other words, the people that had no special clearances got in faster than the ones that did go figure
With TSA/Clear, now that so many people have credits, I'm starting to notice that more and more as well that those lines can sometimes take longer than regular line. I will say it depends on the airport tho. Its not like that everywhere. But with all my electronics I carry and I don't want to take my shoes off, I'll drag thru it...
Also if you haven't done so already, make sure to subscribe! I got more info on the way! Thanks!
@@CallMeLani I will subscribe my wife and I are older. We travel about once a month, but we generally travel at off-peak hours. So when we go the lounges are very seldom full
smart. I'm actually recording a new video now where I talk about traveling during off-peak days/months to avoid crowds. You already know! Thanks for subscribing! Stay in touch!@@DaveMartinez-o1s
Great video! My only issue is, there isn’t any Priority Pass restaurants or lounges that I can take advantage of at LAX (Los Angeles International Airport).
That being removed as a perk from this card in July 2024. Great benefit and a loss for anyone that did or could use it. Thanks for stopping by! Subscribe and stay in touch!
Lani. I’m in Italy. Don’t see Lyft options only Uber. What am I missing??
I'm not sure if Lyft operates in all parts of Italy. They may not be available
Hey bossman! Just subbed. Got approved and waiting for mines in mail. 70k bonus not 100k lol. Want the vision pros to hit my minimum spend
Yeah that Vision Pro will def help hit that welcome spend!😂 I want to try it out. I appreciate the sub. I appreciate you! Stay in touch!
@@CallMeLani pull up! Igu, I have to take scheduled breaks to go back to reality
Did you go to the branch? I only see 60K sub. Is this a targeted offer?
How does travel credit carry from a travel purchase over a yea4 out? I don’t carry a balance
It does not. If you do not use it before it is refreshed by your account anniversary you will lose it. So if you planning something over a year out, just pay in advance or via down payment or partial payment. As long as the transaction codes as travel, the credit will apply. The actual date you take the trip is not relevant.
Thanks for this. There were a few things about this card I didn’t know. (And a few things I’ll add which happened after this video. 1-The CSR lounges. Boston & LGA are great. Haven’t seen JFK yet) 2- CSR is removing the $28 restaurant credit starting in July I think which suuucckksss. There aren’t enough CS lounges to make up for this)
But my question is I don’t quite understand the stacking with Instacart. Using different cards. I actually didn’t know about that credit but can someone please explain a bit further?
Thanks! For sure. Let's say you have a $100 Instacart order. Right now (Q2'2024) the Chase Freedom Flex gets 5x with Amazon. so you could buy a $85 Instacart gift card from Amazon for 5pts/$, add that to your Instacart account, finish your order and pay the remaining $15 balance with your CSR (which will be removed from your statement) while this $15/month offer is still going on.
@@CallMeLaniah, okay so you could be maximizing points and decreasing your instacart bill. I have a regular Freedom (I think - barely use it) but I’ll check this out. Thanks for the clarification!
You're welcome
great insight, sub easily earned
Appreciate it!
I would have to disagree with you on that night in Miami at the Intercontinental being free. You paid for the $300 in your annual fee so not technically free.
I use to load up my Fast Trak account to use up the $300 in travel credit. You said you fly out of SFO so I’m sure you are aware of FastTrak. I did that during covid when I wasn’t traveling. Since then I downgraded my Reserve and applied for and got the welcome bonus on the Preferred.
Most of the benefits you mentioned are available for free on tons of other cards. Priority Pass, Global Entry, Insurances etc. I just was not getting the value of $550 annual fee or $250 actual annual fee. Maybe in the future things will change but as for now all my bases are covered with other cards and all my cards combined do not add up to $550 or even $250 annually
Hey, jaymeez! great to hear from you again. Yeah, I know FastTrak. I was in Bay Area last week! 2 things here.
1) Awesome that you realized that your situation changed and you reevaluated your setup. Smart move!
2) regarding the travel credit, that's why I say its subjective. Each person see's it their own way. I don't consider my AF as $250 as I will pay the $550 for all the benefits including the $300 credit. The difference is, if I don't spend anything on travel with the card, I still have to pay $550/year. So because I look at it that way, I say I saved (or chase paid) that $300
What cards are you currently using?
I’ve avoided this card because it does not pay for itself. Have you found a way for the card to pay for the remaining $250 after the &300 travel credit.?
You could say the Lyft Pink/Instacart/DoorDash membership credit cover that, but I personally don't think of it like that. The other benefits help me justify that value (for me) as I use almost all of them. I've saved myself thousands of dollars from those benefits just this year alone. I appreciate the comment. And there's nothing wrong with avoiding it. If it doesn't work for you, then it doesn't work for you. Happy to hear you're doing your research!
Make sure to subscribe as I have more vid to help find the right card coming in the near future!
I think you glossed over how powerful having Hyatt as a travel partner is with chase. I’ve gotten 21 stays in 2023 with Hyatt on reward stays with three nights in Tokyo as an example. The thing about Hyatt vs other hotel partners is you can get reward night stays for as little as 6500 points vs 60,000 at a place like Marriott. But good job on the other stuff.
@@jgennitti Please explain how you get 21 Hyatt stays every year with the Sapphire Reserve card. I do not count the sign on bonus or the amount of spend that I would need to put on the card to generate enough points for a hotel stay as covering the cost of the card.
In your example of 21 award nights @6500 points per night you would need 136.5K points per year. There are better ways for me to utilize those points than spending night at a Hyatt Place hotel.
I’m not knocking anyone who uses the card. I just don’t see how to recoup the remaining $250 of the annual fee after using the annual travel credit of $300.
It’s not just off the bonus, you earn points by using the card through the year. Im just saying what I did last year with my card. plus I use the other chase cards to earn more points that have $0 annual fee and transfer to my sapphire. You need the sapphire card in order to send points to Hyatt. 6500 points is essentially $65. If I wanted to get the same room with cash it would be close to $200 a night plus resort fees. Thats what I use my card the most for. There are very few card that let you use Hyatt and all charge an annual fee. You also make it up on airport lounges. To get that perk is a $400 value.
You can get the sapphire preferred card for $99 instead if the annual fee is too high on reserve, but you won’t get airport lounge access, but can still transfer points to Hyatt. It all comes down to if you travel a lot. If you don’t, it’s not worth it.
@geauxrun - Two points that were not highly emphasized in the video.
1) Airport lounge access, to me, in invaluable. Even if I am traveling economy, I can access the lounge with the Chase Saphire Reserve card. Over a year of traveling (I'm semi-retired and travel a fair amount) by eating and drinking in the lounge for free versus buying food at airport restaurants I save much more that the $250 effective annual fee ($550AF minus the $300 travel rebate equals an effective annual fee of $250). The lounge is a much better place to spend a layover when you factor in better wifi (usually), more comfortable furniture and environment, food and drink, AND not having to use a public restroom that 5,000 people have used in the last hour. The lounge restrooms are normally nicer and better maintained. Some lounges have quiet rooms and shower facilities.
2) Hyatt points are much more valuable than other hotel points, since the number of points required for a free night's stay at Hyatt is much lower. Transferring points to Hyatt also allows me to work toward elite status with Hyatt, giving me access to their club lounge (room upgrades, free breakfast, happy hour including booze, soft drinks and heavy hors d'oeuvres).
So, airport lounge access and transferring almost all my points to Hyatt are the two biggest perks in my opinion. Cheers!
I’m considering upgrading the CSP but I won’t be able to get the sign up bonus. Still worth it?
Depends on which benefits you're going to gain from the upgrade. If you're planning to use it for the travel portal boost or travel insurance, then I'd say yes.
AH. This is an old Vid. CSR is doing away with the $28.00 credit is “bye, bye, bye”
haha, yeah thats over now
Nice review. Thanks!
Appreciate it!
Hi! Only one guest is allowed to the Lounge? Is the authorized user allowed to bring a guest?
The primary cardholder can bring 2 guests with them. AUs are eligble for Priority Pass select membership
Have you heard or seen of any data points of people beating 1/48?
I have not. Even with product changing, I have not heard of anyone beating 1/48
Might be good to add a text on the video that the priority pass restaurant credit is ending in a month or two.
One thing you missed did the extended warranty. Man I have gotten so much shit paid off cause they crapped out. 😂
Haha! You're right that is a good perk as well! Appreciate that, Juan!
Make sure to subscribe if you haven't done so already. I'll have some purchasing tips/tricks coming in a future video!
Will the 300 annual credit start the first month of approval for the card?
Hi, DB. Yes, it will. Available right away. Thanks for the question. Hit subscribe and stay in touch. More Chase content on the way soon
@@CallMeLani ok, thanks for letting me know!
Just so I understand better, if I were to get approved say in December of this year, would another $300 credit be available the following month in January?
I'm curious if this will be available for that one occurrence to help offset that first annual fee?
Hopefully my question made sense.
Thank you for your help and time!
No. Your $300 rolls over with your account anniversary, NOT the calendar year. So your $300 would reset every December
How long did it take you to get your priority pass in the mail after activation?
2ish weeks. Not too long
I just got approved for it today with a 24k cc limit 😬
Nice! Congrats! Not a bad limit either.
If you haven't done so already, make sure to subscribe and stay in touch as I have more on the way about this card and others I pair with it. Appreciate you and the comment.
I have the CSP + Ritz-Carlton for $545 total and unlimited free authorized users. I think that's better than the CSR.
Hey, DC (awesome username btw). I don't have a Ritz, but there's no harm in this card not working for you. I'm not mad at it! You gotta do hat's best for you and your setup.
I think the Lyft, Instacart and Door dash credit is underrated, and I never end up using the CSP hotel credit. Definitely down for Ritz+CSR
Does this credit work with booking flights?
Yes, the $300 travel credit can be used for booking flights.
@@CallMeLani Thank you.
Do you have to have a chase bank account to get this card?
No you do not. Appreciate the question and you stopping by. Subscribe and stay in touch! Talk soon!
Thank you :)
You're welcome! Thank you for subscribing and your support! Stay in touch!
Your referral link isn't working
Updated. Thanks for letting me know! www.referyourchasecard.com/19m/676XNF654W
The CSR is a great card, but to say that room is "free" is just misleading. You simply just pre-paid it with the annual fee. The card is great in that you get value back after paying the annual fee if you use it correctly, and the other benefits it has.
Hey, Julio! I appreciate your opinion and feedback. Everyone looks and spins AFs differently. Some would say its "technically" $250, or that the Amex Gold is "essentially" $10/year after the food credits. It's still just a credit. This is why I say in the video, its "subjective" depending on how you look at it. Then go on to explain how it truly works and explain the proper process. But regarding the AF, I'll pay $550/year. That's non-negotiable.
@CallMeLani I like how you explain this. You did call it a credit when you explained it too. I wonder if this person goes on Sebby or Ben's page and say it's misleading when one of them says the annual fee is $10 on the Amex gold or the venture ends up pay you? I bet you he doesn't. It's no different. Plus you said subjective twice in this video. Keep it up
@user-ml5bz2cg9p There is a difference saying the effective annual fee is $250, vs saying a $300 room is free. One is lowering the effective annual fee if you were going to spend the 300 anyways(key on SPENDING it), and one is saying the room is free.
Hi Lani, your video was very informative.
I just got approved for Chase Sapphire Reserve. I also have Chase Freedom Ultimate. My family of 4 is planning in going to Philippines in December 2024. I'll be buying the plane ticket soon as it opens. Since I don't have points yet and the cost estimate is roughly $10k round trip, what's your strategy? I'm new to travel points. Pls advise. Thank you :)
Hi, Guadalupe! Congrats on your new card! Once you get used to it, I'd like to hear your thoughts about it and how you use it for your family. As for your question, The 1st thing I recommend is buy your tickets using the card as you'll ensure you hit that welcome bonus. 2nd, assuming you'll be paying all cash due to not having points, you can still use the Chase travel Portal to book those tickets. This way you'll 5pts/$ vs. just 3 and your $300 credit will still apply. Also know that even if you have just a few points already from your Unlimited card, you can move those points to your Reserve card and do a split booking in the travel portal and get the 1.5ct/pt still. Split means use some points and some cash. This could save you as well depending on how many points you have.
Thank you so much! I truly appreciate your insight. :) Happy Holidays! @@CallMeLani
Bro.... im sorry, I didn't get the Instacart stack. Explain it more? Flex has Amazon right now at 5% so get an instacart gift card for the total price of my order minus $15.01 that my reserve gives me and????
Correct. In this case. Buy the Instacart GC from Amazon for total price of cart - $15.01. Add the the gift card to your IC account and pay for your card with the GC+the CSR. The remaining $15 on the CSR will be removed from your statement. This way you get the 5% from the flex and still save $15
@@CallMeLani Dude.... wow I get it....... As another commenter said you should find a way to make these tips into a "sheet" that you update as offers come and go. I think patreon is a good platform for this ;) I hope you follow through, cant wait to subscribe for more of these hacks!
abosultely. I'm still working on building my channel up. But stay tuned!
@@CallMeLani Hey! I just did this with doordash credit as well! Amazon 5x on flex for the remainder of my $5 reserve credit. I have some gift card monies left but rinse and repeat next month. Love it!
@@lisander-lopez NICE!
No more restaurant for priority pass
Correct, that ended in 2024
Hi, thanks for this video. I’m a bit confused about how you’d get frequent flier miles from the Chase travel portal. You’d be paying with the flight with the CSR or would you be paying with a dedicated airline card that gives you miles?
Hi, Sylvia! Thanks for stopping by. As for your question, you pay with neither. I use Chase Points to pay. When you do this, Chase pays for the ticket for you (i.e. with cash), meaning it is not an award ticket with United, thus you're eligible to earn miles when you fly.
Hope this answers your question. Subscribe and stay in touch!
Oh, okay- so you'd enter your airline flyer account number at checkout so that the miles get credited to your airline account, right?
@@CallMeLani
correct. Pay with your Chase points, and enter your airline details as normal in checkout@@nysy97
Lol last segment literally same thing doordash while in lyft
All the time haha!
So let me get this right so you used $300 credit for a room. The room was just for barley one day before a cruise 😅. That's a complete waste of that credit. Yes waste..
I respect your opinion, but saving $300 is saving $300 no matter how you look at it. Also the room was over $700 to start, after status and discounts then the credit. It was a good deal. Thanks for the comment
I'm surprised you haven't downgraded and reapply for the intro bonus after 48 months.
I get that a lot. But I travel so much, that downgrading or canceling would hurt me more than help me. So I just always hold onto it. Also, my Player 2 has the Preferred.
Thanks for the comment. If you haven't done so already, make sure to subscribe and stay in touch! I appreciate you!
@CallMeLani how so? If you worried about the points you can always apply for the CIBP to keep the points.
Next Up...2024
You already know! Make sure to subscribe and stay in touch (if you haven't done so already) and let's get it!💪🏾
Rip PPR going away on this card.
Yeah. Not a deal breaker for me, but no one ever like to hear they're losing a benefit
BOY STOP PLAYING!!!!
My mind is officially and completely BLOWN!!!
Haha! Thanks, Linda! Make sure to subscribe and stay in touch! More is on the way!
@@CallMeLaniDONE
People talking about the "fee"... This type of card is not for "You". If you're a heavy spender, the benefits you get from this card far exceeds it's fee.
I agree. The Benefits and insurances are slept in and can easily cover more value than the $250
I’m sorry, but regardless of whether you plan, you still get $300 lol
Correct