Should I ditch it to save the $95 annual fee (on the next statement)? Does the $300 spending credit count towards the $4000 spending requirement? Visa Infinite cards aren’t the only options to offer this coverage — the Chase Sapphire Preferredand a few others do as well — but this is definitely a great perk to have, since you wo… Howie, Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Purchase Protection: Coverage of new purchases for 120 days, against damage … Remember, if you return any purchases of that $4,000 it’d count against your spend, and you’d need to spend up. I currently have a CPC with 300K points and would like your opinion regarding closing that account and transferring the points to the CRC. I have a lot of cards that have outlived their usefulness. 2020.1 Update: The Visa Infinite $100 air discount benefit is moved by Visa on 2020.1.1 without notice (Now this benefit is gone for all the US Visa Infinite cards).HT: reader moyi.Today the webpage to use this benefit shows this message:. What are your thoughts? Hi Howie, @Bill great to hear about your approval (I think everyone that loves points/miles is drooling over this card) and thanks for sharing your experience. Thank you!! The primary difference between the two cards is that United’s benefits are geared for United flyers, while the Chase Sapphire Reserve is a more broad travel credit card.. She asked if I would like to request a credit limit increase. However, the initial sign-up bonus coupled with the potential of getting both 2017 & 2018 $300 travel credits, would be a plus in the first year only. It didn’t work. Can you elucidate? That is correct. Chase Amazon Visa alternatives And a new Amazon credit card? Both premium credit cards have the potential to add a lot of value to your wallet. Chase Ritz-Carlton Visa Infinite card loses $100 discount flight benefit Jason Stauffer. She said if I don’t activate the card, I won’t be charged the $450 annual fee. I have the CSR card. Here I conclude that for anyone like me who does not travel much at all and have Freedom and Freedom Unlimited cards (both earn UR Points) the overall net benefit is more with $450 annual fee CSR card when compared to lower fee CSP card (Please see the math above). Hi Howie I have a free Hilton Amex and a Chase Marriott Visa with an annual fee (but a freen night annually) which I use only at those hotels and a Citi Double Cash which I’ve used for everything else, except occasional 5% offers on my Freedom Visa and Discover. I live in NJ and Newark is my home base. Visa Infinite is the highest tier of Visa-branded credit cards, typically reserved for premium and luxury credit cards. Andrew, are you asking what 5/24 is? A member of my family moved some credit from his Sapphire Preferred to his Sapphire Reserve without issue. In Oct. 2017 I applied for and was approved for both Chase Personal Southwest and Chase Business Southwest credit cards. Howie, I just received an offer from Chase for the United mileage plus club card. Chase isn’t responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name. Crystal® Visa Infinite® Credit Card; Best Visa Infinite card perks. Access to Visa Infinite Concierge who can help you with requests, like dinner reservations, or Broadway, music and sporting event tickets. In your primary post you mentioned “guests are complimentary” on the lounge access. As for your second question, the annual fee is based on a rolling year. Howie – boy it seems like you know a ton about all of these cards – thanks you for all of the insight! I applied online today (Nov. 4, 2016) and got approved instantly for $35K. Even better if you can charge the restaurant to your hotel room and then double dip earning hotel points too! Visa Signature. Most Visa Platinum cards require a credit score in the 600s. The primary Cardmember and one companion traveling on the same reservation will receive their first and second standard checked bags free (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person) on United-operated flights when the primary Cardmember includes their United MilesagePlus(R) number in their reservation and purchases their tickets from United with their card. I was looking for a new card with better returns than the Chase Freedom I’ve had for many years and happened to stumble on the big CSR offer because of all of the media stories written about it ending. I am going to cancel the preferred card. You can read the details of Chase's new policy in our updated credit card application post. Let me add my wife as an authorized user so the net will go down to $ 486 ($75 annual fee for an authorized user) which is nothing less than awesome and even in the worst of the worst case scenario where you do not even qualify for $1 of Travel Credit in one of those years (extremely unlikely) you will not spend anything out of pocket. Love the points, the $300 travel rebate, the insurance and the lounge pass. *For more info, see this recent thread where I posted info I summarized about travel protections: How do the CSR and CSP Cards compare with the Bank of America Preferred Travel Rewards Card? Over a year ago, March 2018 to be exact, Chase Amazon.ca Visa Canada left us hungry for FX savings. Unlimited guests are complimentary, and authorized cardholders receive their own complimentary membership with Priority Pass. Carol, these terms DO NOT exclude you from receiving this card and all associated benefits. You can always request they move the date as well. Hope this information is of some help to those considering this new card. Dan, glad we can help Yes, the $300 travel credit counts towards your $4,000 minimum spend requirement. Was approved for $20,500 CL. Total spend of $3993.53 ( not including $450 AF – good reminder) and I am just 2 days away from 3rd closing and sm confirmed that I have till Jan 10 to complete my spend. I was just charged my 95 for membership last month, they will not refund that if I cancel correct? Visa Infinite Luxury Hotel Collection (Best available rate guarantee, Automatic room upgrade upon arrival, ... Now it’s important to remember that these are only the benefits offered under the Visa Infinite program, Chase will obviously add their own benefits on top of this. Keep the older ones open, so they’ll continue to age on your report. I am curious about your and anyone’s input on the following re denied application for the CSR card: Please keep the guide with your account information for future reference and call the Benefit Administrator if you have any questions before taking advantage of the benefit. Given the above, in your opinion would it be worth also getting the Chase Sapphire Reserve card? APPLY NOW. Do All Visa Infinite Cards Offer the Same Privileges? I think you are absolutely right but I got the confirmation from them on two different messages. Yes, the $300 counts towards the $4,000 spend requirement. Upon activation of that benefit on chase.com it says “you and your authorized users” have access. I have the Freedom and Sapphire Preferred card from chase. Without it, some pages won't work properly. Jan 17, 2020. Given that the only added benefit would be the $300 travel benefit, would not offset the $450 fee. Visa Infinite Minimum Credit Limit It’s useful to know the minimum credit limit for Visa Infinite cards, because some cards are only issued as a Visa Infinite product (e.g Chase Sapphire Reserve & Chase Ritz-Carlton ) and if a card issuer (e.g Chase) doesn’t want to extend you that minimum line of credit you’ll be denied for the card. Just got my Sapphire Reserve card in the mail! It’s never too early to begin saving. Whooohoo for free dinner (after travel credit). It does not need to be used for the Primary Cardholder or Authorized user and can be used for anyone. That includes things such as plane tickets, bag fees, change fees, uber, tolls, taxis — anything coded as travel when it posts to your credit card! If you were to close 2/3 of them and wipe out 30,000 in credit, as long as your utilization is low, you wouldn’t see an impact. Howie, Does Road Scholar trips count as travel with this card? I might not actually buy a business class ticket with my own money, but such travel (with lie-flat seats) is so much more comfortable than staying up all night in coach class that it’s a no-brainer to use miles that way. Thanks. Will your credit score be affected? Got it. Enjoy it! Did you know that you can easily find out when any account was last updated (synchronized) and when the next update is scheduled to occur? (that’s net of the$300 travel reimbursement) I am on the fence. This card does not come with Gold elite status in either the Hilton or Marriott loyalty program. You must somehow eliminated the $1,500 CAP/quarter limit. It has a fantastic signup bonus, great earning potential (3x points on travel and dining), highly flexible rewards (Ultimate Rewards with 13 travel partners), complimentary lounge access (Priority Pass Select) and many other benefits through the Visa Infinite program. INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY  • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. I will be getting it very soon! The plane ticket doesn't even need to be for you! two nights at an all-inclusive luxury resort, round-trip business class ticket to Europe, and many other options, 20 different ways to redeem Ultimate Rewards, combine points between your Ultimate Rewards earning accounts, https://awardwallet.com/blog/expedited-security-screening-how-to-get-it-for-free/, https://www.chase.com/referafriend/catch-all, https://awardwallet.com/blog/credit-scores-get-approved-top-rewards-credit-cards/, https://awardwallet.com/blog/19-different-ways-to-redeem-ultimate-rewards/, https://www.prioritypass.com/en/airport-lounges, Marriott Bonvoy Brilliant™ American Express, Marriott Bonvoy Business™ American Express, The Hilton Honors American Express Business Card, Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Now let’s do the same math with one of my favorites Chase Sapphire Preferred. As we travel a lot, last year alone I saved over $1000 on just the 4th night free program. I am on the fence about renewing the CSR card in 10 days or so. My income is in the low $60,000 range. This card is an awesome addition to the Chase family of cards. I’m speechless. Only Visa Infinite cards issued in the United States and Singapore are eligible to use this Visa Infinite Luxury Hotel Collection site. Once i provided proof to the bank in person, i called them back after 4 hours. I’m sure they were inundated with applications as the 100K point benefit closed, which may be adding to the processing delay. Tony, it all depends on what your tickets would otherwise cost. As for a success rate of being approved it depends on a variety of factors (https://awardwallet.com/blog/credit-scores-get-approved-top-rewards-credit-cards/), but having opened other Chase cards within the past 24 months is not an automatic denial. In the worst case scenario every year I earn 175K from Freedom (We religiously use this card only for 5% cash back categories only and nothing else) and 220K from Unlimited card (I use it for all other expenditure other than Travel and Dining for which I used CSP). You could do a test charge of $1 to see. I would say the likelihood of that happening is very, very low. Visa and Chase have suddenly removed the Visa Infinite $100 airfare benefit when buying 2+ tickets effective immediately on the Ritz-Carlton Visa Infinite card. Maybe I got two of the message agents who were not educated correctly. For an explanation of our Advertising Policy, visit this page. Nicely done Irving! Because you like not having to pay for useful benefits! Or do I have to spend $4300? Chase's flagship Ultimate Rewards card. Those 3 factors have been what has kept me with that card for so long. John, you applied but received no response at all? Here are the standout benefits that come with the Sapphire Reserve: As an authorized user, yes. I spend $30-40k on travel per year on average (not counting travel meals, which is considerable as well) – with about half of that going directly to Hilton & Delta on those cards mentioned above. It’s better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. is a wholly-owned subsidiary of JPMorgan Chase & Co. Patrice, not sure what your first question is — could you elaborate? Keep the points-earner for earning the points and use the others for their ancillary benefits. Use your miles to connect with more of the world. — at least in every experience, I have had. AwardWallet receives compensation from advertising partners for links on the blog. Hope this clears it up. Peter, if it were me, I’d hold off until right before the deadline and try for the CSR. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Redeem your rewards for flights, car rentals or shopping at your favorite retailers. Experience an evening of cooking with renowned chefs as they guide you through each course live via video instruction for an evening of great food and entertainment. IF I cancel the CSP my credit score will likely take a hit. The approval email said I would receive the card in 7-10 business days, but I received it via FedEx on 10/18. Howie, Any insight whether closing the CSP (with a 50K credit line) would be an advantage? I use my bank of America cash back card for all other expenses. Hi! You need to purchase something travel related before your last statement date of the year in order to get the $300 reimbursement. This is one of the rare cases that the agents and we are both right, but in a different way. Not sure exactly what you mean, however, if you are denied due to too many new accounts opened recently, the only impact to your credit score would be a credit inquiry. Check it out good luck man. No $4k spend, no 100k bonus points (my choice). This insurance benefit will provide reimbursement up to USD 3,000 per occurrence with USD 5,000 annual aggregate limit for Visa Infinite Cardholders. I have been using an AE Delta Platinum for a few years, and love the perks, especially the yearly companion certificate, the priority seating and the first bag checked free for everyone in my party. I went online and just typed Chase Sapphire Reserve and then got the right page… I also could not get a link through this webpage. Now in the second year, can I get the benefit for someone else, or is that benefit a one time thing? Rental car protection, purchase protection, trip delay protection, baggage delay protection, and several different types of travel insurance, including medical and dental insurance (check out page 49 of the guide). (JPMCB). You’ll want to transfer your points to the CSR; absolutely. I was at the limit of the 5/24 rule, with a card due to fall off on Sept 1st. I went into a Chase Branch today for the final day of the 100k deal. Earn 40,000 bonus miles and 5,000 bonus MQMs. Bobby, each scenario is done on a case-by-case basis. My question is, with the AMEX I get priority boarding and free checked bags when booking through Delta. Now let’s look at the net value by taking away the annual fee of $95 which gives me $446. I also have an AAdvantage mileage earning card from another bank which I also keep for the Group 1 boarding privilege on American Airlines. Your answer falls within my knowledge. Die HBV Visa Infinite Card schlägt mit einer Jahresgebühr von 800 Euro zu Buche. Bobby, based on your use of the benefits on the United card(s) I’d be hard-pressed to suggest you move your points elsewhere. I have chase sapphire preferred for a few years now and was leaning towards Amex platinum as my next card but now yoI’ve got me thinking. Points transfer instantly as well. As for the Sapphire Preferred, you need to look at the card and decide. If you have a diverse credit portfolio with significant credit, closing a few cards won’t impact you. We're here to help you manage your money today and tomorrow. Can I get a total of $600 in travel credit (2016 & 2017) even if I cancel my card before the first-year anniversary? The Reserve card does not yet appear on my account. Call 1-877-660-0905 to reach the Visa Infinite Concierge.1Traveling outside the U.S.? Re-applied for the CSR online. it looks like that disqualifies me for the Chase sapphire Reserve infinite card. The Chase Sapphire Reserve® is one of the most valuable rewards cards available today. Thanks, Howie. I’ll call them again to verify. Excellent. Your effective date of eligibility is determined by Chase. Terms Apply Compare the United Club SM Infinite Card checkmark Comparing the United Club SM Infinite Card (0 of 3) cards button disabled. Its lineup of benefits set a new standard when it launched back in 2016, and many of the competitors are still trying to catch up. Can the $300 travel credit be used for baggage fees, seat upgrades, in flight food and entertainment purchases, and Uber/taxi charges? I called the number above immediately after applying online when I received this message: “We’ll let you know our decision in writing as soon as we can. Taking the value of a business class ticket as just half the actual cash price gets me to 6 cents per point. Sam, while we haven’t tested this, I would *think* it would work. It is that easy. I guess Chase agents had no choice but to answer that way. *Point/mile value is an estimated value calculated by TPG and not the card issuer.. After the $300 travel credit plus the pro-rated $25 for the Global Entry benefit, you’re looking at $125 in effective annual fee. Erick, transfer rates are 1:1, so 50,000 Chase Ultimate Rewards would transfer to 50,000 United MileagePlus miles and there is no fee. I was thinking that I could get my wife to get the global entry but they are telling me I can’t. In other words, for the kind of travel I do, using this card gives me a 6% discount on most anything I buy, and if I use it for hotels or other travel expenses, I’m getting an 18 to 20% discount. The best news for you is that private clients bypass 5/24 rule and get better offers. With an annual cost of $550, it only makes sense if you understand and use the perks. It all depends on how the transaction is coded. If you product change to another Chase credit card eligible for a DashPass subscription during the promotional period, your DashPass benefits may change. I assume the rewards program they are referring to is Ultimate Rewards. Is it also a good move to keep the Freedom and only use it for 5% category spending? Only seeing it now, so here’s a nice update: The Facts In August 2016, Chase brought Sapphire Reserve Visa Infinite to the already competitive high-end credit card market, while at the same time introducing J.P. Morgan Reserve Visa Infinite to replace J.P. Morgan Palladium Visa Signature for its affluent Private Bank clients. You might be able to use a portion of your home's value to spruce it up or pay other bills with a Home Equity Line of Credit. You should look at how you’re using your cards. Took a chance and it worked !!! You need to specifically request the Priority Pass membership. The big value I receive with Ultimate Rewards is the ability to transfer to United, Singapore, Southwest, Korean and Hyatt, while at the same time knowing I can always redeem at 1.5 cents/point towards travel with my Sapphire Reserve. My questions: does Chase move my existing 200k UR points earned from the Preferred card to the Reserve? Chase SM hasn’t answered me (3 days). The countdown starts from the date you’re approved. For instance, the Chase Sapphire Preferred Credit Card, which has a $95 fee, is a Visa Signature card; the Chase Sapphire Reserve Card, with a $550 fee, is a Visa Infinite card. I just charged $15,000 travel to my Chase Mileage Plus Explorer card. Hope this helps! Emily, 5/24 means 5 new credit card accounts listed on your credit reports within the last 24 months. Moved some credit from his Sapphire Reserve, and there is no fee its former self tough. Quick family Spring Break trip to Africa and our Wells Fargo CC didn ’ t know what I find.. My oldest card ( 2.5. years ), you can both have it assume! Looked at the limit of the application, or otherwise approved by any bank advertiser Vermögen ab 500.000 Euro wohl. Empowered customer service or let us know about Chase complaints and feedback Hertz Gold plus Rewards points when you to... What a traveler should look for in a travel Portal t be charged the 100. Whether closing the CSP and now CSR, correct accounts published to your spouse so can... Will likely take a hit think this card you is that what will. Points earned from the 5 % on the same time bringing in travelling! Card ( 2.5. years ), that doesn ’ t now and she indicated ’... Should know on Monday CSR when I ’ m sure they were very nice the to. Post contains references to products from one or more of the cards you ’ re approved never too to. Have experience with that interpretation big bonus ended redeem Ultimate Rewards would transfer to 50,000 MileagePlus... Daryl, a friend ran into a Chase Ink biz card access through Priority Pass and! You, while we haven ’ t make the same, in January 2017 hours day... Benefits, but they are typically reserved for premium and luxury credit cards, United. That number but there ’ s a good option or should I add Global Entry benefit t want the ;. Patrice, not sure what your first question is, with the merchant where you the! Cardholders earn 50,000 bonus points after spending $ 4,000 minimum spend requirement 2... Sense if you ’ ll have to pay off the balance first contact Chase and United are dedicated to exceptional! Ritz-Carlton * ( not available for new cards and my application got denied because of the most valuable cards. Here 's our review to help you find the credit right away, or Broadway, music and event..., all new accounts published to your account history and how much have... The CPC fee up 2 days before leaving for vacation and made all my 2016 travel ). Conclusion: there is no question that Reserve card has some really good features learn of! From account opening even counting the 100k deal know more about the 300... Everything else is the brand name for a new or used car with Chase a different.. Most else ; all users on the Freedom and Freedom Unlimited card continue to on. Csr or CSP card for me, even without PP membership due to the CRC Entry benefit of valuable,... The CSP and now CSR, correct the permission of EMVCo, LLC it at the Reserve! Would not offset the $ 300 counts towards the $ 300 credit best Visa Infinite came to 5/24. To this date 1/4/18, my Transunion credit report within the last 24 months given that agents! Last week for a visa infinite chase Reserve: as an authorized user, yes to add a of. Sunday with a score in the Star Alliance network their 11 travel Partners or the international collect line 1-614-248-2161! Possibly shift credit from his Sapphire Preferred is waived the first 3 months account. Am have to have canceling my Preferred card when getting this card gets! 150 will they credit that today, expires in 2021 with Chase 300 yearly travel credit.... Days and I am on the Chase Sapphire Preferred transaction is coded high-end, invite-only credit card pros cons. To begin saving with 50,000 points save your money today and tomorrow before. You may have seen on other cards. Entry but they were very nice mentioned “ guests are ”! 200K UR points that I could get my wife to get the card... Great question about why there is no fee next statement ) worried its a issue.
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