Best Credit Cards 2023: Chase Tier List (Ranking from BEST to "Worst")

[@AskSebby]

💳 Sebby's Card Picks: www.asksebby.com/credit-cards

[@FlintIronstag23]

🌞Chase is wasting the CSR's potential. Two simple upgrades could put in on top. 1: Make dining 4X since the CSP and Freedoms also offer 3X dining. That would also make in competitive with the Amex Gold in that category. 2: Add hotel status to the card. Adding Hyatt Discoverist and/or IHG Platinum as a perk of the card would help it compete with the Amex Platinum.

[@earljaycaoile5071]

Hotel status would step on Chase’s own hotel cards. Higher and/or more multipliers would be better. 4x dining and travel plus groceries would totally kill the Amex Gold and get the Platinum sweating

[@xerichen]

I would upgrade my CSP to the CSR if it was how you described it!

[@RobertTorres_]

I wish they would add just even a 2x for groceries

[@MattClausen]

For $550, I would hope for Explorist…

[@Alvin_1914]

This is the way!

[@rydizzle19]

Need this for AMEX! Great video

[@deandre7743]

Need a mega tier list for all the major cards

[@druiz012]

The gateway is good because its no annual fee, and gives you access to more saver awards. That is a pretty good perk as I was able to book 8 (yes 8!) RT to Peru for 320k points and $500... would have been $7200 out of pocket and without the Gateway card the cheapest flights were coming in at 44k each way... which would have been 704k miles... or about 1cpp...

[@elenakalliste]

🫠 kinda thought you might have ranked the Hyatt card as S tier when you were taking about. Definitely agree with all your S tier choices though 👏

[@user-el4su7tl6f]

Appreciate the hard work you put into these, I know these videos require a lot of research. We need one for all the major credit card players

[@SealtheDealTravels]

I think I'd put the IHG cards at A-tier for the 4th night free benefit when booking on points. It really buffs the value of IHG points and have easier threshold than Marriott/Hilton's 5th night free.

[@danielturner8798]

I was thinking that too. Just getting started with IHG, but for my travel needs I’ll be able to do a lot more four night stays than five night stays.

[@AdamBA380]

Yeah I don’t get why so many rate the Marriott and Hyatt cards but not the IHG cards, especially given that Marriott caps the top up on the annual free night, whereas IHG does not.

[@SuperVeganShark]

IHG also gets some small United credits iirc.

[@texassecession6422]

But you don't need IHG cards for booking on points.

[@danielturner8798]

@@texassecession6422 - you need the status from the card to get four nights for the price of three.

[@SpencerJohnsonOfficial]

🫠 Seeing the Southwest Priority card in S-Tier makes me think about this card more seriously. Thanks to your videos I've come to understand that it's really the only SW personal card that makes sense, and flying out of Austin mostly makes SW my most frequently used airline (domestically that is)... I may need to consider this one when I'm back under 5/24. Great video all around Sebby!

[@fiveiron40]

You might be able to get this card even over 5/24. I believe they changed the rules when it comes to some of their co-branded cards. I got the SW Priority in July of 2021 while at 6/24

[@SpencerJohnsonOfficial]

@@fiveiron40 That's a good DP for sure! I know it doesn't always work, but if it did that would sure be nice.

[@ramonsuarez1051]

I think the S Tier super power for this one is companion pass, which I think Sebby explained in another video how to easily get it.

[@edogg2832]

@@fiveiron40 interesting. I tried to get it February while I was at 5/24 (SW would have made me 6/24) and was denied. Although, I had just earned the welcome offer on my CSP so that could have been a factor as to why I was denied

[@Augustin54]

I have the card and I get value from it for sure but calling it S tier and “broken” seems a little off to me. Yeah they “pay you” $30 to keep it and the upgraded boardings are worth $150ish a year IF you use them all but you can really get outsized value and i dont really end up using the card at all as the multipliers are covered by trifecta etc.

[@tivsma]

Hyatt has become our favorite, even though the status given with the card isn't great. We just booked 3 nights in a $800 a night suite in San Antonio, paying 27,000 (9000/night) points for an upgrade, and only $250 a night cash for the suite. We also booked 4 nights in the Eliza Jane NOLO right before the points valuation change in March, spending 39,000 points for a stay that would have cost us $1500 now. Excellent points value, and in combo with utilizing the Chase Reserve's multipliers to build points quickly and move them over to Hyatt, and only a $95 annual fee, it is the best value out there. We've gotten 2 free night awards this year already and will be getting a 3rd once we hit the "5 brand stays" later this year. And those 3 free nights are in addition to all the free nights we get with regular points earning. Next I also love my Hilton $450 card for the annual free night, and $250 resort credit, which we always use together. Virgin in Vegas has upgraded us as Diamond members to Ruby tower suites every time we've gone and spending the $250 on food and drinks there is a lot of fun, easily giving us a $500 or more night out for "nothing". I really do like the Diamond status with Hilton. The AmEx Platinum card comes in last, although not least, as I feel the points are worth a lot less, and we don't live in the US full time so don't get to make use of the "coupons". But I Love the Centurion lounges, and the airline credit, as well as the $200 annual hotel credit, Saks etc, we still save over $2000 a year with this card making the annual fee worthwhile. These 3 cards make up our travel-trifecta and save us thousands every year while provideding us with a better travel experience overall.

[@fataznboi911]

IHG premier is easy A Tier if you can take advantage of 4th free night in combination with legacy IHG Rewards Select Credit Card that gives 10% rebate on points. I buy points with the 100% bonus and makes most of my stays at 40% cheaper compared to cash booking.

[@ramonsuarez1051]

I would think if Marriott Boundless is A then IHG Premier should be A too because the benefits on the IHG card are better. I think what might be holding it back are IHG's portfolio compared to Marriott and low points value.

[@jaymedina3142]

I think pouting the annual fee on the squares that shows each cards name would have been helpful.

[@PK_GlobalTravels]

Hi Sebby. Can you please do a video comparison on travel portals like Amex, Chase, and others. To compare price with tax/fee, selection availability, rewards and loyalty. Whether to book entire trip like flights+hotels to get better multipliers on such as Amex or Chase, or book directly for status. For me, I would rather book entire trip on my Platinum to get 5X and get better pricing package for international travel, but hotel loyalty can't be added. Also i will lose out on the benefits from FHR or Hotel Collection Hmmm. Is it me or the cost with taxes/fees is higher on Amex portal when booking separate? Seems that when booking directly with Hilton the taxes/fees is much lower. Love to hear you analysis and Thank you.

[@danielturner8798]

I’m inclined to put Aeroplan into A tier actually, given the benefits of the 25K tier in the first year+ (lounge passes, e-upgrade credits, etc.). Definitely easy to overlook those perks!

[@divakarjain4006]

🫠Awesome video! Looking forward to seeing a similar one for Capital One and Amex. Would also be nice to see a short one at some point comparing the main competitors across issuers.

[@FalconNipps]

How would you farm Lifetime statuses? Hilton: Hilton Aspire + $200,000 Maximum or 3+ aspires for 1000 nights? Marriott: Marriot Brilliant+business for 15 years or get all cards for free nights? any other chain that offers?

[@ramonsuarez1051]

My S Tier list from other issuers: VentureX, Altitude Reserve, and Wyndham Earner Business.

[@rodelmedia6184]

how do you get your S-Tier from Alt Reserve?

[@ramonsuarez1051]

@@rodelmedia6184 effectively 4.5% unlimited with digital wallets is a super power.

[@mrb152]

Amazon was giving 10% back on gas for a bit. They offer than randomly, I suppose to get you to use it outside of Amazon, but wow 10% back was crazy high for gas.

[@rachaelkinsley5035]

That coupon book comment! I live overseas but have access to American cards and I'm looking at benefits of non Chase cards like just straight up coupons. It'll make me spend more on things I don't need.

[@KingNeu]

W video!🙏🏽 you should do this for Amex if you haven’t already.

[@kevinyang3006]

I just got the freedom unlimited 2 weeks ago and have reached the welcome bonus. I have another big purchase soon and want to take advantage of the freedom flex welcome bonus. How long should I wait? I have a great credit score so I should be accepted but I don’t want to apply too soon (I’m also nowhere near 5/24)

[@AskSebby]

Generally 1-3 months between cards is fine if you're not pushing against your Chase credit limit ceiling (~50% of your income as a credit limit cumulative across all Chase cards).

[@d05wtt]

Back in the day, the Red Carpet Club was quite nice in the sense that it was empty and quiet. It was a good place to relax from a long flight. Only way to get access was status or if you bought business class or first class seats or paid the club fees. Ever since credit cards started giving access to the lounges, it got noisy, crowded, and it isn’t anything special anymore. Every Dick, Jane, and Bob can get in. It defeats the purpose of what they were intended…for long distance travelers or status members to refresh and relax before continuing on their journey. It’s quieter at the gate than the lounges now. Also, I think if the Explorer card gives 2 tickets to the regular club, the Quest card should have 2 tickets to the Polaris lounges. There are lounges that are quite exceptional. For example, the lounge in Hong Kong…pretty nice. The food, the free drinks…feels like a premium club comparably to the lounges in the States.

[@lscott9263]

CSR just needs to make the 550 fee an effective fee of 50 bucks or less with worthwhile travel credit additions or increase to the travel credit; because their doordash and other partner credits are garbage.

[@Lawrence_McKnight]

I’ve been waiting a long time for an Update! Thx Shebby!

[@voldymore69]

content with the csr carlton combo; dont trust hyatt since their vegas deal is over. have the freedoms for points if needed

[@thejokerspeaks]

Late game for me with Chase, just got the Ink Premier 6 months ago, and applied for the IHG Premier last night. I like the Hyatt card better, but we rarely stay there. IHG is replacing Wyndham as our backup to Hilton. The 4th night free point redemption with IHG will come in handy when visiting family out of town.

[@AskSebby]

Interesting! I feel like Hyatt's footprint weirdly works for Mandy and I while IHG has fallen off. Might also be situational (i.e., have stayed a few times at the Tommy in LA if we need to be in the WeHo area).

[@thejokerspeaks]

@@AskSebby I haven't stayed at Hyatt since 2015, which was the Regency in New Orleans. We have the Regency in Salt Lake booked this winter for a concert, before heading to Park City. Once in awhile they make sense, but I can just buy the points w/o a card. IHG, I find their beds reliable in comfort at the mid tier level. I am also getting .75 cpp pretty consistently, so if I spend $20K on the card, the earning is almost as lucrative as SPG used to be.

[@jshawsworld]

Would place ihg premier in A tier: 4th night free rather than 5th night in hilton or marriott; $50 united travelbank credit can help offset $89 annual fee; find that ihg points generally are worth more than hilton. Would move all the ink biz from A to B; the biz version clearly isn’t as good as the personal sapphire version. United Biz card’s club passes have actually been pretty useful to me, esp United many times has a whole terminal to itself, with only United Club lounge available and walking to other terminals is far (like LAX). It also gives 5K miles if you hold a personal United credit card to help offset the $99 annual fee

[@EthanPatrick_CreditCards]

🫠 P2 and I have about 15 Chase cars and the nice thing is that they have so many solid options, it’s easy to get value with the even basic cards (besides Disney lol) But there’s plenty of higher value cards to be had for anyone advanced in the game. I like Chase for those reasons.

[@MichaelCarrPilot]

Wondering why your "terrible" starts with green and goes to the good cards in orange/red. For a visual, seems better to have that the other way around?

[@AskSebby]

That's actually a really good point! Those are the defaults on tiermaker.com (which I agree, doesn't really make sense)

[@JDWilde]

I would like to comment about the Sapphire no AF variant, as I have it. One of the reasons I keep it is because I get Dash Pass for free. I've thought about closing it and opening a CSP or CSR, but honestly I don't have any aspirational travel trips planned yet, so I'd rather just keep getting Dash Pass for free in the meantime lol

[@emmapeel4299]

THANK YOU! I was hoping you would di a refresh on these! ♥️♥️

[@De_Guatemala]

Yes, Ritz Carlton is S. This Christmas I booked a $1,569 Westin Maui room using the 85K certificate. That alone is more than 3 times the $450 annual fee.

[@AskSebby]

Nice!!

[@samharner2023]

Thank you Sebby!! Could you make a tier list credit cards for American Express as well?

[@AskSebby]

On the list :)

[@JakeSpradlin2]

Glad to see the Chase Trifecta into A status! This is my current setup; and I’m working to the SUB on the CSP 🫠Thanks Sebby, and Happy Chase Day!

[@rvf2k]

Being early is fun!

[@AskSebby]

🙌

[@NFace23]

i'm sure it's been said but fyi you don't need prime for the Amazon card. Having Prime just makes the cash back 5%. Without Prime, it's 3%.

[@snegrn]

Kinda shocked how high you ranked the SW Priority. I primarily fly out MDW, so this card definitely fits me.

[@AskSebby]

Usually a fan of any card where you're getting net positive of the annual fee each year :)

[@00177454419]

I just flew through Midway a couple of days ago. I've never seen one airline dominate one airport the way Southwest dominates Midway.

[@ramonsuarez1051]

Does the companion pass hack still exist? I would think that would push it into S Tier.

[@Clementinee]

If Midway had a lounge or at least a PP resturant, it would be the most convenient airport ever

[@suzanneshort2825]

can you recommend a credit card for people who like to use package tours and tour operators? I have Citi premier card, but it doesn’t specify ‘other travel’.

[@AskSebby]

Maybe the Amex Green if it's via a third party travel site? kzbin.info/www/bejne/eqfKdX2racmnZ7c Green T&C: www.americanexpress.com/us/credit-cards/card-application/apply/supplementary/terms/american-express-green-card/36182-9-0

[@jmbwashi]

🫠Nice video list. Very good honest and practical comments. Will you be doing one of these on AMEX? Or did I miss it?

[@AskSebby]

Amex coming soon!

[@jasonevjen8895]

Flying annually for a few monthseach year to Mexico and The United Quest card has saved so much on bag fees BUT outside of the US where United employees are less familiar with bag policy/credit card perks, I have had to show the card details to United workers that I do get two free bags per person even when I book with miles. They kept telling me I could only get free bags when I booked paid the 100% of the tickets with the card and not points.

[@CalbyNg]

I really want the Ritz card! But 9/24 😢

[@ramonsuarez1051]

I would put CFU as B tier. It would be A if it was 2X on everything. Every other travel ecosystem offers 2X non-category, so the CFU is the weak link in the trifecta.

[@JoeGugel]

CFU with CSR multiplier is a 2.25% minimum value on all purchases.

[@ramonsuarez1051]

@@JoeGugel I have the CSP and I only use points for transfer partners. I also noticed lately that the portal prices are oftentimes not competitive.

[@reneecopeland1095]

😊 good review. Much appreciated!

[@liberumx8900]

🤠Ecxellent video Sebby as always. Thank you for educating us.

[@TheAMEXBoss]

Sebby man Imma need you to stop suggesting cards be nerfed lol. We got enough going on with the constant changes to benefits and miles going on lol. Incredible video!!!!

[@Mochi2021]

Argh Sebby. Stop talking about the RC. You’re going to ruin it for us! 😂

[@AskSebby]

🤐

[@stefanwolfe6876]

I need the business one now, lmao I stg I’m refreshing my noti 😂

[@joec4720]

Would it be possible to do a video on spending in a week for you and what cards you use in what situation?

[@BillyBlakeington]

I heard horror stories of the Amazon card so I'll never get it. Apparently they charge interest now from the date of purchase

[@Frosty-cg8xf]

disagree on the student card ranking. It might not seem great on paper but the extra chase credit line as well as upgrade potential on it makes it a solid B-

[@docsays]

i would rank the Flex & CSP in S tier. Even as standalone cards they offer so much for NO AF or LOW AF!

[@SM-yt8bs]

What do you mean by "overpowered" and "broken"?

[@rkxz99]

🫠lots of time and effort into this video but BA card tier is way off relative to Southwest Priority card. You missed the key money-making benefit of the BA card, its $200 biz and $100 econ credit on US originating flights to or via London booked with the card. You have to book multiple travelers separately on one ways but many of us points folks do anyways (only downside is usual IRROPS on two PNRs and seat assignments aren’t free on BA in advance anymore so increases likelihood you’ll have to pay). It’s also a calendar year max of $600 so easy to track and, for those who look at it this way, potentially “gameable” or overpowered a single annual fee. Given everyone transfers to BA this is actually potentially usable a number of times, especially if booking for family.

[@TJNinneman]

Just signed up for the Boundless last week with the intent on upgrading to the Ritz. Crossing my fingers it's still around in a year 😬

[@AskSebby]

👊🪵 (knock on wood!)

[@DougYuen]

🫠 Good stuff! I mostly agree, except for the SW cards as S tier, because I don't like to fly SW. I think Hyatt is the last Chase card I'm going to get for a while (it will put me at 5/24). I'm planning to apply in December. My thinking is to have the maximum amount of time to hit the $15k calendar year spend for the 2nd free night, while having it line up with the anniversary free night. I'm not sure if I'll actually spend $15k/year on the card after the first year, but I want to maximize my options.

[@richardnettina3154]

IHG Premier's 4th night free and Free night cert is worth about $200 for $99 and Aeroplan's PYB at the same rate as CSR make them A tier. Amazon should be D (If you do not have prime, then you aren't getting any value out of the 3% at Amazon and Whole Foods. And if you aren't spending that much at Amazon, then there are much better cards). Bonvoy Bountiful is an F. $199 for 4x Bonvoy points is terrible. WoH Business card is barely better, say a D tier, only because you can build for status. In either case, you can have the IHG Premier and IhG Premier business for the same price and have two free nights..

[@snowdoggieii]

Well CSR has intro bonus right and jpm reserver doesnt?

[@alexkokkola]

What about the Slate Edge?

[@TomsRaw]

Can you explain the 15 elite nights on the ritz?

[@max1cp]

Sorry but freedom unlimited cannot be an A tier while Freedom Flex exists. They are competing cards and Flex is just better. Not to mention that there are better other cards like Active Cash etc.

[@kevinyang3006]

For the chase trifecta, which card should I get first?

[@davidw2739]

It looks like the Bonvoy Boundless has a 3 FNA SUB right now. Might be my next card, as I am interested in the Ritz-Carlton Card too.

[@voldymore69]

hope u didnt apply yet cause its actually 5night now

[@davidw2739]

@@voldymore69 I didn't. Had an unexpected large purchase come up so I went with one of the Inks.

[@RandyMichigan]

Shop Through Chase can be a valuable feature as well. 👾 (I couldn't find the melted face emoji.)

[@Lei-ib1ok]

@Sebby, I hope you’re doing okay. I have a question, I have a Hilton Surpass credit card and my husband is an additional member. If I decide to upgrade to Aspire , will I still get all the benefits offered as a new card? Or will it be better for my husband to open a new card and add me as a member to get the offer? Thank you and I will appreciate your response.

[@edward5pointoh]

Just in time as I’m out of 5/24 this year ! Thanks sebby

[@ladakn]

🫠 no mention of the old IHG Select card. Wonder where that would be rated in today's age.

[@tezt3740]

hey sebby, i dont know if im in pre amex jail...amex pre approved me boc (business line of credit) got it..then 2 weeks later they want verification of business...which is weird I have 5 busness cards and hit all bonuses and have $0 balance/ member since 2018....nothing is frozen it just a message on the boc page? is that normal?

[@NickFaulkner]

Great content!

[@sschwartz1488]

Did we miss the Hilton cards?

[@AskSebby]

This is a Chase tier list. Working on Amex one! 🙃

[@HelloAngie101]

Can’t get Ritz Carlton anymore, the last time they gave out is 2022……. 😢😢😢😢😢😢

[@AskSebby]

Seems possible as of May 2023: www.flyertalk.com/forum/chase-ultimate-rewards/2064760-ritz-carlton-visa-infinite-available-pc-bountiful-boundless-refreshed-09-22-a-36.html (unless I'm missing something)

[@dls0001]

Wondering why you didn't put the Hilton Honors Surpass on your list? Curious on where it would fall.

[@Grassrose]

It's Amex, not chase 😊

[@dls0001]

@@Grassrose Ahhhh...I get it now. Thanks!

[@Love2Cruise]

United miles at 1.25 CPP? When I was looking at UA redemptions last week, it was definitely not that high. More like 0.8 to 1 CPP. Using UR points through Chase travel portal was better at 1.5 CPP (CSR).

[@Zerog461]

If you could only get one a tier travel card would it be the CSR or Amex Platinum?

[@tommyray17]

I’m curious, what card do you normally use at Costco if you don’t have the Citi Costco card?

[@veezhang6988]

I would definitely rank OG freedom higher than flex. Nearly everyone with a CF/CFF has a CFU in their wallet so those other categories do not matter much, but CF being usable in Costco is definitely big.

[@Clementinee]

only important for people who go to costco, and maybe costco/sam's club are more popular in other cities but here almost no one goes there

[@tasadem20]

get a C1 card if you shop at Costco. I am happy with my C1 Venture X.

[@docsays]

nah, i still prefer the Flex over the OG freedom because it is a WMC with cell phone insurance. plus the Flex comes with 5% on travel via chase portal, 5% on lyft, & 3mths free on door dash & instacart with reduced fees thereafter.

[@andrescast]

You forgot Chase Slate Edge, Sebby

[@RipVondy]

Does anyone know if Chase cards or any other credit cards outside of Amex affect the Amex 2/90 rule?

[@Alvin_1914]

🫠 Happy 5/24 Day Sebby . I always enjoy these videos. You're not too harsh on Disney at All. There is so much potential with a partnership with Disney that could be further explored. I like this list . I have a few of the "B" cards to round out my setup. I hope the Chase Interns are reading the comments and update the CSR. I've been in the game long enough to receive both a 100k offer on the CSR and CSP and I honestly think the CSP is better situated for me at this point. Essentially the CSP is what I buy mobile groceries with and it maximizes the purchase I make on the CFF. other than that Travel goes on Amex Platinum, Food on the the Amex Gold and catch all on the Venture X. Everyone's needs are different and as you say "YMMV". Ultimately, I appreciate the work you put into these videos as they have allowed many of us to unlock travel at a more affordable price point!

[@AskSebby]

Thank you! I appreciate that :)

[@mastrkents]

8:42 I don't understand, I thought WN operated a point-to-point, so they claim they don't have hubs?

[@AskSebby]

Usage of "hubs" here is more so = "has a large presence vs. small presence" :)

[@vividpaulus]

Do Chase business cards count towards the same pool of 5/24 as personal cards? Or do personal cards and business cards have separate pools?

[@rodelmedia6184]

Biz: you have to be under 5/24 to be approved. Approval does not add as 5/24.

[@gchewa284]

Wish Chase had a year-round grocery multiplier…

[@JoeGugel]

Disney credit cards make no sense. I got the debit a couple years ago after looking at those options. Surprised they haven't changed anything.

[@MannyCovington]

My S Tier Chase Cards: Ritz Carlton Card, Southwest Priority, WoH Card

[@AskSebby]

Great list!

[@worldtraveler8372]

What do you enjoy about the Ritz Carlton Card for it as an S Class?

[@MannyCovington]

@@worldtraveler8372 the 85k cert, priority pass unlimited guests + restaurant access, $300 airline incidental credit

[@druiz012]

​@@worldtraveler8372Ritz Carlton is S tier for the $300 airline incidental credit that includes seat upgrades, a 85k free night that can be topped off up to 100k, and the best Priority pass possible with restaurants, unlimited priority pass lounge guests and U Unlimited guests at the new Logan Sapphire lounge and all the up coming locations. Pretty easy to get way more than $450 in value.

[@druiz012]

​@@MannyCovingtonI was writing whole you responded! 😅 but I 100% agree with you. How about the SW priority? I agree with he WOH and obviously the Ritz Carlton but I NEVER fly SW so I haven't looked into it at all... lol

[@dwalker6868]

Thank you

[@thetruthmakesfree]

Sebby, is Hyatt a good hotel card? Or is Hilton better? Or should I get both ? because I like to travel.

[@tasadem20]

If you are under 5/24, go with Chase first, get as much as you can. Then move to C1 and then jump into Amex. Hyatt is get it and forget it type of card, free night hotel certificate is pretty good for $95 AF

[@robmax55]

Is it me or did he speed up his playback?

[@AskSebby]

That's my normal talking speed, but I do add cuts for sections that feel slow (sometimes too aggressively).

[@kevinManhattan]

So I just used hyatt annual certificate on a LA hotel when nightly was $515!!! Thanks Sebby. I started this all because of your channel! Let's go Sebb!!!🫠🫠🫠

[@AskSebby]

Awesome!!

[@snegrn]

Hey, Sebby! Just wanted to let you know Virgin Atlantic is offering 30% additional points if you transfer your MR points. Didn't know if this is video info worthy though.

[@bigdaddygucciabg836]

If I have freedom can I have freedom flex too?

[@rodelmedia6184]

you can have mulitple via product changes

[@screamingiraffe]

I'm surprised A.S rated the CSR A along with the PRIME card, totally different use cases and the CSR in my opinion is the best card for travel, hands down.

[@AskSebby]

Different use cases but "A" for their cohort of cards. Unnecessary example: Shaq and Kobe are both S-Tier but did different things.

[@johnny_ma]

🫠 finally someone that doesn’t drool over the CSR and calls it the best card ever…

[@kimberlychin1996]

😶‍🌫I can't find the melted face haha

[@RipVondy]

🫠Any word on when Credit Card consultation will return? Plus great video.

[@WhiteoutSnowy]

Not sure if you heard about this but got a letter from chase saying my Starbucks card will be converting to OG freedom visa sometime in July … personally I welcome this change because now I can use it at costco with 5% rotating categories :)

[@kevinManhattan]

First 3?

[@AskSebby]

🥈

[@TrumpetGapper]

🫠 Sebby, I’m 100% with you on the Disney Cards. As a avid Disney Parks expert though many families use the 6 month 0% financing for trips. These families are people who go multiple times a year, think 4+ times a year. This way they can book the room and as of late ticket and park reservations (although this is kind of no more…) ahead of time to get the resort and room at least 6 months further out than maybe they could afford. Disney people talk about this ALL the time. Most of these people are also not in our groups though so burning a 5/24 slot is def not worth it and why I still would push people away if they are in the game. Cheers!

[@Mosarezaiee]

😊

[@Grassrose]

I agree with your ratings. We started with Amex, and the only Chase cards we have are Amazon Prime and Hyatt. I have mixed feelings about missing the CSP bonus (we're at 7/5), but we're pretty much end-game and not churning and burning, so the cards we have all have jobs, and we get a lot of value out of them. I love Hyatt hotels in general, and the staff treated us like VIPs even before we got our meager Discoverist status with the WoH card. It pays for itself with the free night, which we use at the DFW Hyatt Regency, a $200+ hotel. I can usually redeem the points at 2cpp. The elite nights generally don't matter to me, because I don't travel enough or spend enough on the card to reach the next status. I'm happy with Discoverist. We only carry the card when we've booked Hyatt, to spend on hotel incidentals. It has one job. 🙂 We spend thousands of dollars per year on Amazon, so of course we have Prime. We only use the Prime card for Amazon purchases. It too has one job. Our carry cards are Amex Gold and Venture X. Our other sock drawer cards are Platinum, Citi AA Platinum MC, and Delta Gold.

[@AskSebby]

I need to check out the DFW Regency. Looks nice from the outside every time I walk! Since you're at end game, maybe Citi Custom Cash for 5% for any remaining holes? Otherwise you seem well positioned :) www.asksebby.com/credit-card-reviews/citi-custom-custom-cash

[@Grassrose]

@@AskSebby I deleted my initial reply, because I had a brain glitch and commented about the San Antonio Riverwalk HR, which I love. I'd be interested to see reviews of both Hyatt Regencies.

[@fastfreddie6572]

Here’s to Chase cards and downgrades. 🥃🥃🥃

[@Brianpeckin]

The American Express Platinum is still better because you get that toe sucking perk

[@AskSebby]

🤣🤣🤣