Chase Trifecta: Still Worth It?! 2023

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AskSebby

AskSebby

Күн бұрын

Пікірлер: 306
@AskSebby
@AskSebby 2 жыл бұрын
💳 Sebby's Card Picks: www.asksebby.com/credit-cards Chase Trifecta blog post: www.asksebby.com/credit-card-reviews/chase-trifecta 💸 Get free stocks on Moomoo: asksebby.com/moomoo
@EricStinehart
@EricStinehart 2 жыл бұрын
Anyone else know all this information but still likes to listen because it’s calming 😂 I can listen to Sebby talk about CSR all day
@AskSebby
@AskSebby 2 жыл бұрын
Thanks :)
@CAAARRRLL
@CAAARRRLL 2 жыл бұрын
Dude tell me about it. It’s so calming and it’s also just interesting. People think I’m a weirdo for watching credit card videos and knowing all these things about credit cards and points and transfer partners and credits 😂
@KingGreen78
@KingGreen78 2 жыл бұрын
Lol i put this on while driving so it plays on my truck bluetooth 🤣🤣
@h1raiders
@h1raiders 2 жыл бұрын
His voice is ASMR quality.
@rywestmoreland6580
@rywestmoreland6580 2 жыл бұрын
Back noise lov it...
@Ron-qe4ul
@Ron-qe4ul 2 жыл бұрын
🛡CSP Trifecta. Just wish Chase would change the online grocery category to all grocery stores.
@mrdisco99
@mrdisco99 2 жыл бұрын
I think that's their concession to Instacart because they have a bunch of deals with them.
@ret4kind
@ret4kind 2 жыл бұрын
Online groceries are always marked up to offset the cost of the rewards you get. Online grocery benefit isn't much better than using credit card portals for vacation bookings since they're marked up 10% higher than directly with the hotel or airline program itself (which also offers loyalty bonuses and status).
@edwink1467
@edwink1467 2 жыл бұрын
@@ret4kind Online groceries are marked up for the convenience of having your groceries picked, packed, and delivered to your door. It has nothing to do with rewards.
@ret4kind
@ret4kind 2 жыл бұрын
@@edwink1467 Then why not offer rewards for in-store shopping?
@mrdisco99
@mrdisco99 2 жыл бұрын
@@edwink1467 they tack on a bunch of fees for that on top of the inflated prices. I guess it just depends on what that's worth to you.
@conenubi701
@conenubi701 2 жыл бұрын
"Sebby's OF" Cracked me up LMAO. Love watching these videos even though I already know everything here. Great stuff man, love to see how the channel has grown over the years
@SolidLiquidFox
@SolidLiquidFox 2 жыл бұрын
I believe is time to have 3X on ALL groceries for CSP and a full 2X for Freedom Unlimited. The landscape has changed a lot in the past couple of years. Hotel and Airline points have depreciated a lot so UR no longer goes as far it once did for transfers 🛡
@lewis20002000
@lewis20002000 2 жыл бұрын
i concur, a full 3X on both groceries and restaurants to compete with the Amex gold, and the 2X on the unlimited up to 50K to match the BBP, it's not like we're asking for too much for the AF, chase would just be matching Amex.
@superseiyan
@superseiyan 2 жыл бұрын
For those of us that don’t care about status or business class but still travel quite a bit what’s the best way to use UR points?
@SolidLiquidFox
@SolidLiquidFox 2 жыл бұрын
Hyatt is the best transfer partner. You get the best or at least solid value for your points.
@danmaruchi
@danmaruchi 2 жыл бұрын
🛡️ I’m only a college student but I love watching these videos so I can build my Chase Trifecta early!! Already have the Freedom Flex. Thanks Sebby!
@SpencerJohnsonOfficial
@SpencerJohnsonOfficial 2 жыл бұрын
I 100% agree with what you said at the end. Chase points really are for everyone where other points generally require you to use them for aspirational trips which may not be realistic for some. They're the most flexible points in the whole game in my opinion, and that's why they're still my #1 choice with Amex in second. Great video Sebby!
@superseiyan
@superseiyan 2 жыл бұрын
I looked at Amex and it seemed it’s harder to accumulate points and also was heavily geared to value via “status” or luxury travel. Chase seems more versatile in different ways to benefit from UR.
@immts6475
@immts6475 Жыл бұрын
You are the first and only guy I listen to about cards, you are info based and straight forward which I LOVE amongst fake charisma
@Legend-rq6wv
@Legend-rq6wv 2 жыл бұрын
This is better then ASMR tbh listen to you talk about how to make get more out of my chase credit card is so soothing😊
@diahinhleodoc123
@diahinhleodoc123 Жыл бұрын
I got freedom flex last month and applied for chase sapphire subsequently. got declined 3 times but I called the reconsideration line for 3 times and got it the last time. Just got approved today this morning for Chase Sapphire Card. More than 5/24 rules when I got my Freedom Flex. Thanks Sebby
@jeibercolon-marquez8435
@jeibercolon-marquez8435 2 жыл бұрын
🛡Chase Trifecta is so simple and deadly at the same time. Still rocking with it!
@multimeter2859
@multimeter2859 2 жыл бұрын
As an active duty soldier with AF waived, it'll always be good for me.
@mrdisco99
@mrdisco99 2 жыл бұрын
That's a nice perk. Definitely changes the calculus for a lot of these cards.
@mikebarnes2294
@mikebarnes2294 2 жыл бұрын
Especially since the annual fee on the Chase Sapphire Preferred is only $95 - which won't be too high of a carrying cost when you get out (and have to start paying credit card annual fees).
@brandontarabocchia756
@brandontarabocchia756 2 жыл бұрын
I’m in the guard and had the AF waived on the Amex platinum when I went on orders. But unfortunately that will come back on my anniversary year so I plan to cancel that one. I may go with the CSR and be fully in the chase trifecta and cancel my other AF cards as it’ll be cheaper in general.
@MarkReese
@MarkReese 2 жыл бұрын
Getting a guaranteed 1.25-1.5¢ per point for travel rocks ✈️
@AskSebby
@AskSebby 2 жыл бұрын
🙌
@superseiyan
@superseiyan 2 жыл бұрын
For someone that doesn’t care about first/business class but still travels a bit or likes road-trips (75% USA 25% international) what’s the best way to use UR points? Still worth it on economy tickets or day to day stuff?
@MarkReese
@MarkReese 2 жыл бұрын
@@superseiyan - For economy class / road trips / domestic travel, redeeming via the Ultimate Rewards portal with the CSP or CSR cards will likely offer good value for flights and hotels (although transferring to Hyatt for hotels can be even better on the right itineraries).
@CaseySpeaks6
@CaseySpeaks6 2 жыл бұрын
Great video per usual. The trifecta is what got me into the credit card game. Currently have the CSP for the transfer ability, mostly to Hyatt. Then I have the Amex Platinum for lounge access.
@andrewpagan
@andrewpagan 2 жыл бұрын
Love me a AskSebby video. Thanks for existing! :)
@AskSebby
@AskSebby 2 жыл бұрын
Glad you enjoy it!
@ryanfield431
@ryanfield431 2 жыл бұрын
Chase Trifecta (CSP version) + a Venture X DLC is dominating this meta.
@jeibercolon-marquez8435
@jeibercolon-marquez8435 2 жыл бұрын
100%!
@dingmingzou9866
@dingmingzou9866 2 жыл бұрын
+ BILT for free
@jpking0
@jpking0 2 жыл бұрын
Same. As amazing as I believe folks say amex is, with my location transfer partners through chase and cap1 are more beneficial (mostly united and SW hubs around us). Fingers crossed venture x maintains an AF that pays for itself, but if they do improve their portal features and functionality I’m sure it will change
@jnqt55
@jnqt55 2 жыл бұрын
can add Ritz, or to replace CSP
@kunalmishra9463
@kunalmishra9463 2 жыл бұрын
@@dingmingzou9866 It’s interesting that the Venture X and BILT came up organically - I just wrote out this long-ass comment independently lol: “I think it’s super interesting. I used to be a big Chase fan because I think when you’re running a 1 card setup, a CSR is the single easiest card across the spectrum to use and recommend - it earns well on normal spend, has great travel perks (priority pass/travel credit/lyft multiplier) and protections (VISA Infinite), can toggle between a hyper-cash-back card or full on travel monster (both of which are desirable to different types of people), and feels great to use as a heavy metal card on a day to day basis. The moment you decide you want to get a little more complicated and try using 2+ cards, I feel like the Chase ecosystem loses its luster to some degree. About to downgrade my CSR to a Freedom Flex and pretty much solely rely on two of the cards I opened this year to do everything my CSR did… but better: a Venture X (pros: cheaper, 2x on base spend, same protections and travel perks minus Lyft multipliers) and the BILT Rewards card (same dining multipliers, same and better transfer partners, and 4500 points/month from rent for me = the equivalent of $1500 of dining spend “automatically” each month). When you get into that 2 card setup (and in my case, having the no AF downgraded freedom flex on the side there for the quarterly 5% categories in…. groceries? and 5x constant for lyft as well?), I think it just about edges out the Chase trifecta (or a single CSR hoofing it alone) in every way, despite liking how versatile and elite the CSR is as a 1 card setup. For non-renters, an Amex Gold/C1 SavorOne and Venture X combo feels like it probably also comes out on top too and I’m just not sure what the value-add-over-replacement of the trifecta is if you’re going to spend money on more than 1 card (the CSR) 🤷🏽‍♂“
@gbouton2011
@gbouton2011 3 ай бұрын
CSP for years I don’t travel much, CSR when I am traveling. Also BOS based so sapphire lounge access is key
@BrooksJones
@BrooksJones 2 жыл бұрын
@asksebby I just have to say how much I appreciate your channel and what you do. Your information on the IHG CC optimization years ago is what peaked my interest and I have been loving the points game ever since. I constantly tell all of my friends about your channel because the content is so digestible. You are making a wonderful impact on so many, please keep it up!
@brathaman
@brathaman 2 жыл бұрын
🛡 I have just acquired the Amex Trifecta w/ EDP, Gold, Plat. I am enjoying so far. Thanks for the content.
@SmoothMoneyMoves
@SmoothMoneyMoves 2 жыл бұрын
Really liked the charts you created. Very good video from start to finish!
@margaretcarter4589
@margaretcarter4589 2 жыл бұрын
🛡️ Trifecta with the CSR also added world of Hyatt!!! Chase needs a card that covers gas and groceries 😊
@beerwithtiki
@beerwithtiki 2 жыл бұрын
Can you still do 1 hard inquiry for multiple credit card applications? You have a video on that?
@kamronseeram3488
@kamronseeram3488 2 жыл бұрын
Still rocking with the CSR trifecta with Freedom & FU. Just used it last week to get my 1.5x points redemption for hotels in Japan. The $90 leftover amount was covered by the $300 credit haha. Along with Marriott Bonvoy Boundless shelf card, and United Club card I have everything I need. All the lounges I could ask for (All Star Alliance airline lounges & Priority Pass) and a free 35k Marriott night, which is actually pretty useful.
@sydney2462
@sydney2462 2 жыл бұрын
The United Explorer card has me intrigued, not gonna lie, lol.
@ddsindpls
@ddsindpls Жыл бұрын
Another thing about Chase is the add on offers you can put on your credit cards - similar to Amex offers. However, when you bank with Chase you can also add these offers to your checking account debit card. Another added benefit of Chase that allows you to earn even more points.
@coldbrewer003
@coldbrewer003 Жыл бұрын
Still running the Chase quadfecta: CSP, CFU, & CF/CFF. Got the CF early on before it got discontinued. Recently signed up for CFF to take advantage of the Paypal quarter to buy a set of tires through Tirerack and paying with Paypal. I also double-dipped the earnings through the American Airlines shopping portal to earn 4x. I have done a couple of redemptions with United Polaris business, but the majority of the redemptions were through Hyatt properties. I have done this in Moab Utah, Berlin, San Francisco, Austin, & Miami.
@jbuck8338
@jbuck8338 Жыл бұрын
I like that with Chase you can still use your points profitably even if you don't fly.
@ardens-travel-guide
@ardens-travel-guide 2 жыл бұрын
🛡I had a CSP that I downgraded to a Freedom. The CSR has great travel insurance but the Gopuff and Instacart credits are too cumbersome so I find there's not quite enough to offset the annual fee to make either card a keeper for me. Unless they get some upgrades, the CSR/CSP are unfortunately year 1 only cards for me just as a way to increase my Hyatt points bank.
@bradgruver
@bradgruver 2 жыл бұрын
🛡️running the Chase trifecta and C1 bifecta, between the two I see no need for Amex ATM and really enjoy my setup
@_______._._________
@_______._._________ 2 жыл бұрын
I have the FFlex and AMEX Gold. Should I get the CSP and the VentureX OR the CSR and AMEX BBP?
@aSlimtube
@aSlimtube 2 жыл бұрын
Always look forward to you insightful videos!
@AskSebby
@AskSebby 2 жыл бұрын
I appreciate that!
@classicboy97
@classicboy97 2 жыл бұрын
leaving the first 🛡emoji! Maybe sometime you could do a video about the best transfer partners for certain cities/countries?
@E-UNIT127
@E-UNIT127 2 жыл бұрын
🛡️ Currently have the Sapphire Preferred, Freedom, Freedom Flex, Freedom Unlimited, and Ink Business Cash. Was able to Fly to NYC and Stay at the Andaz 5th Avenue for a week all for free from these cards. Hopefully can have another big trip before my Globalist status at Hyatt expires in February!
@AskSebby
@AskSebby 2 жыл бұрын
Awesome!
@jokedog
@jokedog 2 жыл бұрын
@evan, what's the reason for keeping the freedom card now that you have the Flex and unlimited? I kept mine just b/c I had it forever, but wondering when do you actual use Freedom over the others? Thanks.
@E-UNIT127
@E-UNIT127 2 жыл бұрын
@@jokedog I keep it for when I will spend more than $1500 on one of the quarterly categories. It’s also old so don’t wanna cancel it and hurt my credit. I also really only use the flex for the cell phone insurance.
@Mama_Funk
@Mama_Funk 2 жыл бұрын
🛡️ CSP and United Quest so far. Always trying to learn how to maximize! You’re the best Sebby!!
@MusicandTravel-2024
@MusicandTravel-2024 Жыл бұрын
🛡️Question so if I use the rotating categories correctly. $1500 per quarter I’m banking 150,000 Chase points per quarter?
@ecambridge4403
@ecambridge4403 2 жыл бұрын
Sebby the Goat. I’m 4/24 and and I’ve got the “best offer ever” for the CSP, Bonvoy and Freedom Unl Life is good 😎
@danpf7943
@danpf7943 2 жыл бұрын
I have now waited the 48 months and finally qualify for another Sapphire bonus! I very much would like to get the CSR with the 80k bonus. However, I am currently in 5/24 jail and will need to wait just a bit longer. I hope that 80k bonus sticks around....
@nick9940
@nick9940 Жыл бұрын
I have the unlimited and just upgraded my marriot to the ritz card. Ritz seems amazing and covers everything I want except airfare points. Is the CSP what I need to fill that gap?
@mclovin6537
@mclovin6537 2 жыл бұрын
How do we know which flight partner to transfer to? Like I don’t think I would know to book virgin air which then books me an ana flight.
@Selltheteam510
@Selltheteam510 2 жыл бұрын
Do authorized users also get their own Priority Pass membership through the Reserve like the Amex Platinum gives you?
@Clementinee
@Clementinee 2 жыл бұрын
Yep, and they can bring 2 guests and also use the $28 credit at restaurants (unlike the Platinum)
@wannabedal-adx458
@wannabedal-adx458 2 жыл бұрын
No trifecta, just CSP and Freedom. I should product change to the Freedom Flex for the drugstore category. CSP was cheaper than the CSR and I get most of the CSR benefits from my AMEX Platinum. The biggest draw for me is Chase's partnership with Hyatt. Otherwise, I am a Delta/Hilton member. Also the PYB was helpful during the pandemic, but now I don't have many UR points left. The Avenger's analogy was spot on!
@notthisbutthat
@notthisbutthat 2 жыл бұрын
I only wish they would improve the flights portal to easily do multi city travel.
@augieh3924
@augieh3924 Жыл бұрын
🛡️ Just starting my path with Chase Trifecta, haven’t held a chase card yet but have 4 AMEX cards for points. Thanks for the good info, from a loyal follower 👍
@RipVondy
@RipVondy 2 жыл бұрын
YES! Thank you for the Japan example. I needs this because I am going next year haha🛡
@missewalks8920
@missewalks8920 Жыл бұрын
🛡 I started out with FU. Should I get flex or CSP next? I also have an Amazon Prime card.
@rachelh930
@rachelh930 2 жыл бұрын
🛡Sebby, thank you so much for making this video. I am sending this to my boyfriend since I’m trying to get him to do the trifecta. Your analogies are perfect. I wish Chase would keep 5X on groceries instead of a first year perk.
@bomazero
@bomazero 2 жыл бұрын
Still rocking the trifecta 🙏 definitely still worth it to me!
@AskSebby
@AskSebby 2 жыл бұрын
Great to hear!
@dizzyg6862
@dizzyg6862 2 жыл бұрын
Chase could make both of these cards OP if they offered 1.5X on non category spend. One underrated perk of the Venture X is it can serve as your catch all card. Chase has so many great cards it’s hard to use a 5/24 slot on the Freedom Unlimited.
@javiergarnica7716
@javiergarnica7716 2 жыл бұрын
Does capital one have something like this? With there cards
@StevenLynn
@StevenLynn 2 жыл бұрын
🛡 - Started with Amex trifecta. Still have to get the business card but the Platinum and Gold have been great. Got the 150k points the other day hit the account. Working now on the 90k points intro bonus. Might try Citi again Q2 of 2023.
@williammedaris2005
@williammedaris2005 2 жыл бұрын
I always use my Sapphire reserve for my rental cars. The entire $300 travel credit paid for my rental car expenses
@ModernMoneyHabits
@ModernMoneyHabits 2 жыл бұрын
And now I start planning for my Japan trip I didnt know I wanted. Goals Life YOLO.👍
@90sono
@90sono 2 жыл бұрын
🛡 I still like the Chase trifecta system. Currently have the CSP, Freedom Flex, and Freedom. Goal is to use the points once I travel internationally because I feel it's more fulfilling to me to use them
@shercarebear
@shercarebear 2 жыл бұрын
Ok but ANA to Japan is impossible to book, at least out of IAH. Available seats get scooped up seconds after they’re available on ANA’s own site. ANA releases seats for their own program earlier than partners so I highly doubt there are any seats leftover for Virgin. If it’s really possible I’d like to see a live booking video on this before I’ve been struggling to do it.
@druiz012
@druiz012 2 жыл бұрын
3 weeks out or so there is usually business class opening up... 1 or 2 seats though... months out is definitely harder... but either way difficult especially for a couple
@druiz012
@druiz012 2 жыл бұрын
Just saw 4 tickets Nov 13, 14, 16, 20, 22, 23(6!) ANA business from IAH to NRT...
@shercarebear
@shercarebear 2 жыл бұрын
@@druiz012 Thanks, but I don't think it's realistic for most people to just up and leave for another country within a few days' notice. I would need to get at least a few months out so I can get PTO approved. But this is good to know for when I'm retired.
@druiz012
@druiz012 2 жыл бұрын
@@shercarebear yup! Very true. What I plan to do is request 3 weeks off of work and hope to get lucky! If not there are always plenty of saver seats in economy.... but that would be a bummer.
@phila1946
@phila1946 Жыл бұрын
I have had the chase Amazon card for years, and I want to transition to travel points so the three cards you recommend sound like the vehicle I need to accomplish this. In what order should I apply for these cards?
@MusicandTravel-2024
@MusicandTravel-2024 2 жыл бұрын
🛡What is the difference between Business and First class ? For next year what airline would you recommend I search for 3 business class tix. Using MR points.
@jonanderson4280
@jonanderson4280 2 жыл бұрын
I've been rocking csp for years but haven't booked a trip yet. I need to learn how to transfer UR points to different airline partners.
@lisasmith9757
@lisasmith9757 Жыл бұрын
If you already have the unlimited and flex and you get the preferred and later downgrade, can you downgrade to a second unlimited?
@chris_panda
@chris_panda 2 жыл бұрын
What would be the best option to book round trip from Los Angeles to South Korea using Chase Points? I can’t transfer points to Korean Air, or can I?
@08710909
@08710909 2 жыл бұрын
I use Lyft and doordash a lot. I save a ton of money with my CSR
@anasryadi8545
@anasryadi8545 2 жыл бұрын
🛡The onle they reason why I'm keeping my CSP is to be able to use the points earned from my freedom at 1.5x and sometimes I'd use it on some travel purchases.
@jonanderson4280
@jonanderson4280 2 жыл бұрын
CSP only gives 1.25x though
@charlesdatri2318
@charlesdatri2318 2 жыл бұрын
Hey Sebby who's the best partner with the best return on points for Coast to Coast US travel?. 🛡️
@lfernandez2527
@lfernandez2527 2 жыл бұрын
What will you consider more valuable towards points chase trifecta or venture x ?
@reddwitdreadz
@reddwitdreadz 10 ай бұрын
Hi Seb. Can we have an updated 2024 version of this vid? Thanks if you do!
@AskSebby
@AskSebby 10 ай бұрын
Soon!
@TravelBossNas
@TravelBossNas 2 жыл бұрын
🛡️ I have the trifecta. And use it when I’m not working on a sub. But I will be downgrading the CSR soon. Since I will be eligible for the bonus again next month.
@joshanderson4335
@joshanderson4335 2 жыл бұрын
I run a CSP trifecta. Most of my points go to Hyatt or hotels on the portal. Try to use other cards for flights
@mrdisco99
@mrdisco99 2 жыл бұрын
I've had the Freedom Unlimited and Freedom Flex for years and just recently got the Ink Cash (5x on internet and streaming) and CSP to complete the quad-fecta. I don't live in a big city and I don't travel often, so the CSR didn't make as much sense for me. Plus the CSP had the bigger signup bonus. I'm one of those who likes to get lots of points from everyday purchases like restaurants and groceries and then go on a big trip every few years. I have an Amex Gold, too, which fulfills a similar role, though I'm not sure how much longer I'll keep it now that I have the CSP and Citi Premier. I also have the Citi ThankYou quad-fecta (Premier, CustomCash, DoubleCash, and Rewards+) which is also pretty competitive. I'd love to see an analysis of that setup and how well you think it measures up to Chase and Amex.
@markj9346
@markj9346 2 жыл бұрын
If I cancel CSR card after 4+ years then reapply later to get bonus, what happens to my current portal points?
@jm4020
@jm4020 2 жыл бұрын
Only thing Chase is missing is a solid catch all 2x card.
@silverapple2011
@silverapple2011 2 жыл бұрын
@@M.a.7.7 That's right. Also with the CSP I believe it would be 1.88 points per $1.
@B_22_5
@B_22_5 2 жыл бұрын
@@M.a.7.7 that’s only true if you use the travel portal. For those of us that only use xfer partners it’s still 1.5X
@mrdisco99
@mrdisco99 2 жыл бұрын
Yep I use Amex BBP on "miscellaneous" for 2x transferrable points. Otherwise I'd be all in on Chase.
@Kefkiruja
@Kefkiruja 2 жыл бұрын
@@B_22_5 that completely depends on the transfer partner. In most cases you will net above 1.5x as long as they’re worth more than 1 cop.
@jm4020
@jm4020 2 жыл бұрын
@@M.a.7.7 One card catch all. Citi, Amex, heck even Cap One has one.
@matthmaroo1984
@matthmaroo1984 2 жыл бұрын
3 weeks ago I got the preferred , is it possible to switch the the reserve ? , I made a mistake.
@Indy4Cookie
@Indy4Cookie 2 жыл бұрын
🛡️Initially went for the trifecta to pay for my wife’s lasik. this totally worked out thanks to a modified double dip and pay yourself back. after watching this video tho its giving me ideas on looking at some yolo stuff 😏 thanks for the great vid sebby!
@jazzbassist
@jazzbassist 2 жыл бұрын
Booking on airline was half the price of the portal. Dunno if this is the standard but this is why I usually just pocket the cash...
@juaneguerrero8456
@juaneguerrero8456 2 жыл бұрын
What do you recommend for domestic flights?🛡
@jwupun
@jwupun Жыл бұрын
Question. Do I have to get the CSP/CSR innorder to use the chase portal for travel or hotel booking? Or is he portal just for transferring points to another card for a higher value? I just received my Freedom.
@alejandrofinol9720
@alejandrofinol9720 2 жыл бұрын
🛡. Hi Sebby! If i have had the chase sapphire for over a year now, would you recommend downgrading it to a flex and getting a new sapphire card?
@AskSebby
@AskSebby 2 жыл бұрын
Sapphire has a 48 month (4 year) rule: www.asksebby.com/credit-card-reviews/csp-calculator#:~:text=The%20Chase%20Sapphire%20cards%20are,every%2048%20months%20%3D%204%20years.
@eclectic_musafir
@eclectic_musafir 2 жыл бұрын
Running a Sapphire Preferred setup, with the OG Freedom and Freedom Unlimited. Honestly, it's a mixed bag for me, as I also have the Amex EveryDay Preferred, Amex Green, and the Bilt Mastercard, and I only use the Freedom Unlimited at Costco now. The Sapphire Preferred is my default for international purchases and rental cars, and the Freedom gets a lot of spend in most of the rotating categories. The EveryDay Preferred is my all-in-one for groceries, gas, and non-bonused spend because it's no contest with Amex doling out points like candy and transfer bonuses. 🛡
@Mr.VladCruz
@Mr.VladCruz Жыл бұрын
🛡️Hey Sebby, I’ve got Amex Gold/Platinum but thinking about closing after this given a bad customer service experience with them and high AF. Thinking about going with Chase Trifecta: is there a card you recommend starting with?
@ColdWindPhoenix84
@ColdWindPhoenix84 2 жыл бұрын
🛡️ I know I'm not using my Chase Trifecta to it's fullest potential, but even still it's a great set up. I personally don't like using points for airfare, however, you made a good point for the first class option and now I'm going to look into that. Also, I need to look into adding the Chase ink to my collection.
@ksamkim210
@ksamkim210 2 жыл бұрын
🛡 Wife just referred me to a new CSR and planning to downgrade our current CSR to FF or FU after statement date and all UR points are accounted for (referral, multipliers, bonuses, etc.) to then transfer over towards new CSR. Are we doing this right and would it be better to do Flex or Unlimited for 1st downgrade card? Thanks Sebby for all that you do!
@minime8942
@minime8942 2 жыл бұрын
Does a CC downgrade affect FICO score?
@jnaka92
@jnaka92 Жыл бұрын
Would I be getting more points if I swipe a Chase Reserve for a $200 purchase at a 1:1 ratio or should I swipe the Chase Freedom Unlimited to get 1.5% cash back on the $200 purchase and then convert that to points on the Chase Reserve?
@AskSebby
@AskSebby Жыл бұрын
Depends on category but 1.5% (1.5X) by definition should win.
@jnaka92
@jnaka92 Жыл бұрын
@@AskSebby thank you for the fast response! The category for the freedom unlimited would be considered “other” so it would just be 1.5% cash back versus 3%.
@xxxgundamxmeisterxx
@xxxgundamxmeisterxx 2 жыл бұрын
If I want to get into this, but right now do not have a chase credit cards, what would be the best credit card to obtain first?
@kenlee2923
@kenlee2923 2 жыл бұрын
I still think it is still worth it because the main perk is the transfer partners, and not all banks have transfer partners with them. I wish all banks had the same transfer partners so that I could redeem points from each of them and combine them. I think it would be sweet to combine points from different banks and pour them into a luxury vacation without the hassle of jumping through different hoops to see how you can make it all work out.
@alexthai5223
@alexthai5223 Жыл бұрын
Chase and capital one have some overlapping transfer partners iirc... Correct me if I'm wrong
@93Thel
@93Thel 2 жыл бұрын
I have the CSR, should I downgrade and re-apply to get the 80K bonus? I just paid my annual fee in June and past 48 months.
@sydney2462
@sydney2462 2 жыл бұрын
Ask for a retention offer, you never know.
@turtletrade
@turtletrade Жыл бұрын
Using Chase Quintet: CSP, Freedom Unlimited, Freedom Flex (GCs at grocery stores and gas stations when the category is active is an easy 5%), INK Unlimited, INK Cash (using free VISA/MC gift cards from Staples/Office Max able to channel most my spend @ 5% back with the INK Cash)
@nippolitica
@nippolitica 2 жыл бұрын
As I live in Japan and require that my cards have no foreign transaction fees. Unless they have changed it, the Freedoms make no sense for me, just the Sapphire Preferred, because I do most of my usage in Japan. Otherwise, I might get the cards for the other categories.🛡
@ghgilland
@ghgilland Жыл бұрын
"If you're a normal person after everyday things and more economic travel, then the Chase system beats everyone else." Couldn't agree more Sebby!
@rthilson
@rthilson 2 жыл бұрын
Even for the people who travel the United States by car it’s worth it I’ve seen 4 cpp by transferring to hyatt
@Xerodude
@Xerodude 2 жыл бұрын
🛡 I currently only have the freedom unlimited, but with the introductory bonus 1.5% on all spending(4.5% on dining/drugstores, 3% on all other categories) and the card just feels like a winner no matter what the spend is. When I do groceries I typically purchase from whole sale clubs, so always having that %3 back has me wondering why more people aren't talking about it. Is it not as good as I think it is?
@ByronChou17
@ByronChou17 2 жыл бұрын
🛡 thoughts on the two capital one starter cards? (quicksilver and savior) they are kind of similar to the freedom and freedom unlimited
@rodrigocruz501
@rodrigocruz501 2 жыл бұрын
I have a 760+ credit score and want to apply for one. Which should I apply for first ? The unlimited or sapphire? I’m not sure if I can hit the spending bonus but I do want one my first for traveling
@AW-si9oj
@AW-si9oj 2 жыл бұрын
Do the earning multipliers work for Canada? Thanks
@ocost3000
@ocost3000 2 жыл бұрын
Anyone know how to get more than 2.25% back on Sebby's OF? That's about 90% of my monthly spend.
@ozjef
@ozjef 2 жыл бұрын
Chase points are better due to their optionality, Hyatt transfer, and Ink biz card SUBs
@cliffley
@cliffley 2 жыл бұрын
First, I enjoy how you break down the videos. I've been on the chase trifecta for a very long time. My cards are Chase freedom. Chase flex and I moved over to the JP Morgan Reserve instead of the Chase Sapphire Reserve, pretty much the exact same card, just more flash. I do travel quite a bit so I have the Amex Marriott brilliant. I know this one has went up in price to $650 annually but I only use it when I go to Marriott hotels which is exclusively when I travel for business. Also, the Amex offers typically well pay for the card every year. I don't know if you've done a video on offers, but Chase offers on all their cards are pretty much trash. I find Amex offers far superior and a much better value.
@JacksonWelch
@JacksonWelch 2 жыл бұрын
How does airline status work with booking flight with miles? If I have delta status and I book a skyteam flight with miles does my status follow me?
@AskSebby
@AskSebby 2 жыл бұрын
Yes
@titopr64
@titopr64 2 жыл бұрын
🛡️ Excelente vídeo Thank You. I have the CF, CFF, CFU and CSP. I am under 5/24 but have no other Chase card to apply for. Not sure if I wanna try any of their Ink. Any toughs?🛡️
@davidandrejsin1259
@davidandrejsin1259 Жыл бұрын
Chase trifecta with CSR any day. In my opinion it's the strongest travel credit card on the market with the best priority pass and insurance benefits.
@Tony36847
@Tony36847 2 жыл бұрын
Why is the aspirational trip always Maldives/Bora Bora and never Paris or Singapore?
@AlasdairSun
@AlasdairSun 2 жыл бұрын
Rocking the trifecta but just downgraded my csp in preparation for getting the csr with that 80k bonus! Realised at the last minute though that, while I applied and received the csp over four years ago, I’m still within the four years of when I actually received the signup bonus for it meaning that I’m still ineligible for the csr bonus if I’m understanding the terms correctly? 🛡️
@aloyisgray3589
@aloyisgray3589 2 жыл бұрын
🛡️ hey can you do a video on reapplying for signup bonuses and which ones do have that availability and which ones don’t and the process to it all?
@skaie.
@skaie. 2 жыл бұрын
I should be using my Freedom Unlimited for Sebby's OF 🤔 this is good to know!
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