6 MUST KNOW Chase Credit Card Tips & Tricks

In this video, we’re looking at 6 Chase credit card tips and tricks that anyone who has Chase credit cards needs to know! Credit cards like the Chase Sapphire Preferred, Chase Freedom Flex, Chase Freedom Unlimited, and many more have many great benefits and features, so this video shows how to take advantage of them.
Whether you’re looking to earn more Chase Ultimate Rewards points or you’re looking to better optimize your Chase Trifecta setup, this video will have some useful tips to get more out of your Chase credit cards. Over the years, I’ve opened 8 credit cards with Chase, so I’ve learned how to get more value from them as I built my credit score while earning Ultimate Rewards Points to travel for free. Hopefully the Chase credit card tips in this video will be useful for anyone else that’s looking to do the same!
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The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Daniel Braun is not a financial advisor. This video is for entertainment and educational purposes only, it is not financial advice.
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[@coreyw5981]

Chase just waived my first $95 annual fee for sapphire, for coming in to a physical location to apply

[@javianjohnson8746]

ok, WHAT?! I think I'll be making a trip to a Chase branch instead haha

[@CloudSky_]

Did you ask them?

[@matthmaroo1984]

@@javianjohnson8746 I just got the fee waved too

[@xLoganWong]

1st year on Sapphire Preferred is usually waived, it depends on the SUB

[@coreyw5981]

@@CloudSky_ no it just happened to be a special i didn't even know about

[@jonny4509torres]

I’ve known about the in branch fee waivers for a while, and you’re the first youtuber I see mention it. I respect the transparency, thanks Daniel 👍🏼

[@MattWelterOfficial]

Chase seems to be changing their welcome bonuses pretty frequently, so like you said in Tip #1, it's definitely going to be worthwhile to try to optimize this. For instance, if you spend a lot of money on Gas, then it'll be good to lock in that bonus on the Freedom Cards! Referral bonuses can also give you a ton of points, and it's definitely something I try to maximize if I have some friends who are interested in getting cards that I already have. The downgrade options with Chase is definitely a huge +, and makes the CSP or CSR even more valuable. Great video as always Daniel!

[@MannyCovington]

These tips are great for maximizing value with Chase! When done right, you get access to so many more things than you thought previously!

[@javianjohnson8746]

Definitely agree Manny! I see a lot more trips in my future now lol

[@lucasg.t.6746]

Got pre-approved for CSR right before studying abroad in Australia, and it definitely led to some epic trips on points! Having CFU prior has helped too 🤑🤑

[@robertnelson1362]

You have helped me a lot thank you just got approved for the chase sapphire preferred yesterday

[@jelloMadison]

I was targeted and got 80k points and first year fee waived by going into a physical location. Here in the Bay Area, Chase is on every corner.

[@PointsInbound]

Those referral tips are great, too bad none of my friends believe me when I tell them about how cool creditc cards can be.😆

[@coreyw5981]

Ugh tell me about it🙄. Even when i try to tell people about SoFi's more mature checking account they make me out to be a crypto bro or doing a pyramid scheme

[@boogeymanw9643]

How did you splti your spending between Chase and Amex? They all cover the same basic everyday stuff except Groceries.

[@jaevonhaywood]

Downgrading to the "Chase Freedom with Ultimate Rewards" allows to downgrade to the original freedom card (before unlimited and flex) and I know for that card, you are allowed to hold multiple of.

[@SpencerJohnsonOfficial]

Tip #4 is a really solid one that people need to consider doing more of! Being able to get back in line for those welcome bonuses on your Chase cards is a no brainer as long as you plan on being under 5/24 (which is hard to do sometimes haha). Thanks for all the tips Daniel! These are really helpful for us Chase lovers out there.

[@Jes1919]

Hi Spencer. I am a college student and planning to get new credit cards. I was thinking to get Fidelity 2%, Citi Custom Cash, Capitol one x, and Savor. I like capitol one, and I have my retirement/brokerage accounts at fidelity. Venture x is a great travel card and like the savor as a good everyday card with no Manuel fee. What do you think of this setup?

[@SpencerJohnsonOfficial]

@@Jes1919 I think that’s a really solid setup! Getting 2x back with your fidelity card on every purchase is a solid backbone for your setup, and then having the Cap1 Venture X as your travel card, the Citi Custom Cash for a flexible 5x card (probably for gas) and the Savor one for all other purchases is really solid! Do keep in mind that the Venture X gets you 2x back on every purchase so technically you may not need the fidelity card unless you’d like that cash back in your brokerage account instead of having the option to use it for travel. Overall you got a great idea though and I like what you got going on!

[@Jes1919]

@@SpencerJohnsonOfficial thanks oh for the advice. What you recommend instead for the fidelity 2%. Also, do you have endothermic setup that is better?

[@Jes1919]

@@SpencerJohnsonOfficial Good-morning, what other card would you recommend to switch with fidelity to make sense with my setup?

[@SpencerJohnsonOfficial]

@@Jes1919 Everyone’s setup is going to be different and there’s no one setup that’s best at the end of the day. I think you have the right idea overall!

[@javianjohnson8746]

ok 5:10- 5:42 oh my goodness this man is a mastermind genius...

[@MarkReese]

The Chase ecosystem is likely the best overall rewards program 🏆💳🏆 Thanks for sharing these tips man! You planning on Chase Card #9 soon? 😁

[@Jes1919]

Hi Reese. I am a college student and planning to get new credit cards. I was thinking to get Fidelity 2%, Citi Custom Cash, Capitol one x, and Savor. I like capitol one, and I have my retirement/brokerage accounts at fidelity. Venture x is a great travel card and like the savor as a good everyday card with no Manuel fee. What do you think of this setup?

[@MarkReese]

@@Jes1919 - Is your goal to earn a mix of travel rewards & cash back rather than focusing on 1 type of rewards? Do the cards make sense for the areas in which you spend your money?

[@Jes1919]

@@MarkReese all of them do besides fidelity. Venture x has 2x on everything. What would be a good 4th card for my setup?

[@Jes1919]

@@MarkReese I have a discover it card currently as a student

[@MarkReese]

@@Jes1919 - I don't tell people what cards to get. Rather, you should get the cards that help you achieve your goals.

[@Yddor1]

The chase trifecta is my next goal in terms of CCs. I only have two CCs at the moment, with the oldest one being 6 months old. What do you recommend to do to improve my chances on getting approved one?

[@MalakiDaniel]

I know i aint Daniel but i just got into the chase trifecta this year, just a month ago completing it with the Reserve (that fee is heftyyy😂) but idk when your trying to get a credit card but the more age you have on your portfolio the better, i see you said 6 months is your oldest account so id say to wait for another 6 months if you want because the older the better imo. Definitely go for the Flex or Unlimited first (Unlimited was my first, the Flex 5% categories are gonna be Walmart and Paypal for Oct-Dec if you get the flex instead) when you apply for the card, if you happen to live with anyone that works, you can put their income in along with yours in your Gross Annual Income to help get a better chance at getting a higher limit which is what I did. Get those easy signup bonuses with those two cards, pay in full and on time every month and you’ll have good standing with Chase to then give you a really good chance at getting instantly approved for either the Preferred or Reserve, whichever one suits you more. As long as your credit is in good standing overall you should have no problem getting into the Chase Ecosystem like I did, I’m telling you its so worth getting the trifecta

[@FinancialFreedomMadeSimple]

I love those tips, gonna max out my card.

[@elbori4365]

FYI, chase does a double hard inquiry for their cards. You should mention that

[@WeAllWeGot333]

Double hard can you explain that a bit ?

[@Jojo.255]

Thanks for your help! Just got my first Chase Freedom Unlimited at $2500!

[@Daniel_Braun]

Nice, that's a great card to have! Thanks for watching 👍

[@JthaRealist]

Aye jojo, I have a question!

[@mitchellwach5796]

Thanks for a great video! Simple but important facts!

[@gabieeefreshh]

I got a better intro offer on points by going and applying at the bank!! It was 30k points over what was offered to me on my app!

[@nisomer]

Point #3, but isn’t it true that if I downgrade to a chase freedom card, I am no longer able to transfer to travel partners?

[@BigTInTheMorning]

What makes chase better or competitive to Amex and Capitalone?

[@cyraxes8722]

Points are worth more with chase and they have more transfer partners to airlines, Hotels, etc.

[@alexfischetti2609]

Hey I currently have 1 credit card I have a credit score in the low 700s and want to get the chase trifecta. I'm looking at the flex and the unlimited. I'm wondering if I should go for the ink business unlimited to get the 90k bonus points ( I'm going to need to buy a car soon and plan to use it for a down payment) and use the flex to cover the dining and drug store purchases instead of having 2 cards that give the same bonuses and then get the sapphire preferred to complete the trifecta. Please let me know what you think and if there is any down side to this plan.

[@johnbrown6044]

I have the Chase Sapphire Preferred. I currently have 72,000 points I haven’t used. If I downgrade my card to a no annual fee chase card, do I lose all my points?

[@Moi_81]

You will be able to keep your points.

[@loganboyd]

What if you and your spouse share a Chase Checking account. Should the spouse open their own checking account and have their own Chase login before accepting a referral link and applying for a card in their name?

[@jamesyu613]

I love chase cards they have the best cuz of there chase trifecta.

[@chrisv4920]

Cool video Daniel, you answered my question in regards to tip #3 particularly 08:49, so let’s say I have the chase trifecta (cfu, cff and csp) my only option in this scenario if I want to downgrade that csp would be the OG freedom card. But let say 48 months have past after downgrading the csp and there is a new CSP sign up bonus, what would a good move be at that point? Would it be to upgrade the OG freedom card for the csp or apply just apply? and play the game all over🔄? Thanks just wondering 😅

[@LK_EBM]

You can downgrade and get multiple off the same card. It's easy. Downgrade your CSP, and reapply for the CSP. You'll end up with 4 cards now

[@cyraxes8722]

Note that in order to have the bonus offer you must reapply. Simply upgrading the card won't allow you to receive a bonus. But downgrading will allow you to keep points you already have

[@anandr1385]

@@cyraxes8722 and even if you get a targeted offer, it’s not even close to the reapplication offer

[@matthewalvarez9619]

If you apply for the unlimited and freedom flex at the same time, do you get to take advantage of both sign on bonuses?

[@elmeralvarado6754]

I have the chase unlimited card already, should I get chase flex or chase sapphire next for the chase trifecta?

[@jman52494]

Are there any obvious go-to cards after completing a chase trifecta? Figure it’s probably more dependent on personal spending and any travel loyalties but not 100% sure.

[@AmazinMusicNYC]

Besides credit score Does your income Pay a part in getting approved for Freedom flex card ??? My score is between 606 to 655 I work part time

[@rlf26]

how can you get another freedom flex i was told you can only have one at a time?

[@millennial_talk]

What's the difference between a sapphire reserve and sapphire preferred

[@christinalove1309]

How long to wait to get the flex? or the preferred. I was approved for the ultimate.

[@Chevy2Tyme]

Chase recently changed my Freedom to a Freedom Unlimited card. I didn't ask for this; I just received an email & they worded it as "we've upgraded you." Is there any benefit to me, for them having done that?

[@chrisruggieri7345]

Yes now you have access to boufem and a monthly houldeez increase

[@ednewell7825]

With regards to number 5, I wasn’t aware they would give you the option to move credit within that application process. Is that new?

[@rlf26]

amazing daniel thanks i just watched again!

[@jimohare3133]

I see an offer for a "$100 savings card" through your CardPointers" link. What is that exactly?

[@emcro]

I can help with that one, I'm the developer of CardPointers! It's a nice bonus on top of the discount I set up for Daniel's subscribers -- it's an electronic savings card which can be used through a 3rd party site which I've been working with for about a year, and gives you discounts on hotels and vacation activities when booked through their site, so it's pretty easy to get the full $100 value out of it. I hope you'll love the app and extension, too!

[@jmzlp12]

Can you upgraded on the chase cards? I have the freedom card and would like the freedom unlimited of the flex. I also have the slate card and would like to upgrade to sapphire preferred.

[@dumbdumbcowboy]

i wanna open my first credit card with chase but i kept getting denied

[@carybtyd]

Hi Richard have you checked your credit report lately? It is so important to know what is on your credit report. And don't forget the 5/24 rule they will not budge from that. Also it doesn't matter how excellent or exceptional you score is they will deny you access.

[@rlf26]

hey thanks for a very educational video. just a few days ago chase came out with a new 5% cash back on groceries on the freedom unlimited on your first year however i have just signed up a few weeks before that .what is the best way to ask chase to grant me that courtesy as well since i signed up just days before?

[@jamesstaines2811]

Hey Daniel, I have a question about store credit cards. I have a Macy's and jc penny's credit card that I never use, and I've read that canceling them is a bad idea. Would you agree that I should keep them?

[@allthingzac]

It’s says on my app I’m already approved is that means I don’t need to apply ?

[@christinalove1309]

I thought chase did a soft pull for the pre approval?

[@DeSoAnna]

Do you have a video on the original chase freedom card? If so, can someone link it for me please? Can’t seem to find one and that’s the card I have. Thank you!

[@ImKeeday]

Man $4000 over 3 months is hard since I can’t use the card for rent and I don’t really buy many luxuries.

[@cameronfeucht2881]

Does anyone know if you can “downgrade” a freedom unlimited to a freedom? I was hoping to be able to get the signup bonus and no APR on a new freedom unlimited.

[@sudhisira]

Is it possible for a person to refer their spouse or son/daughter and get the bonus points, even if their mailing addresses are the same as that of the referring person?

[@d0uble_O]

hi daniel.. i dont have any credit cards other than store only cards.. im pre-approved for the Safire Prefered, Fredom Unlimited and the Flex. Which one should i get??

[@danielcastaneda6293]

Freedom unlimited! No annual bonus, 200 dollar sign up bonus after 500 spent in the first 3 months (easy af) and 5% back on gas! Best card ever!!!!

[@Sleepyjoe30]

Not chase related but I just recently started my credit card journey and I just want to know. Does capital one only let you have two cards? I just have the platinum and quicksilver

[@MalakiDaniel]

Yes

[@Sleepyjoe30]

@@MalakiDaniel well that’s trash. Thanks for the help

[@stevegarcia1374]

Just completed the trifecta. My CLs are CFU - 10.7K, CSP - 15.2K and CFF - 1.6K. Do you have any idea why the CL for the CFF is significantly lower than the others?

[@Jay-L]

Was the CFF the last card for your setup?

[@docsays]

Its called maximum risk exposure. Typically a lender will extend credit based on your income & history of spend. If you’re not using your available credit they’re unlikely to extend more.

[@stevegarcia1374]

@@Jay-L Yes sir, it was the last.

[@stevegarcia1374]

@@docsays Thank you! I suppose I could probably ask Chase if I could take some of the spending limits away from the others to increase the CFF, correct?

[@docsays]

@@stevegarcia1374 - yup, just call em & tell em you want to do a credit re-allocation between your cards. I do it all the time

[@floodercw]

Thanks for the great introduction for Chase credit cards😉 I just came to the States for 1.5 years, and still under 5/24. I'm now waiting for better welcome bonus of sapphire cards and maybe apply Marriott bonvoy card as well!

[@coreyw5981]

Wait you can have 2 flex cards🤨?

[@cyraxes8722]

Yes but you cannot have more than 1 sapphire card.

[@sudhisira]

Are the 5% rotating categories *always* identical for the OG Freedom and the Freedom Flex cards?

[@matthewtalaga634]

❤❤❤

[@Daniel_Braun]

First comment, thanks for being here so early Matthew!

[@jeibercolon-marquez8435]

I LOVE Chase as well, great video as always. Also, congrats on 40K subs Daniel! Your editing and production is getting better and better!

[@Daniel_Braun]

Thanks so much Jeiber! I really appreciate that - definitely cool to see the channel grow and get feedback like that 👍

[@tommyjohnson7812]

Yo-yo

[@channel.roadsideresident]

This guy is handsome 🙂

[@luxurybuzz3681]

Ask him out

[@channel.roadsideresident]

@@luxurybuzz3681 I gotta lose lbs first

[@u_taitata652]

Last year in July 2021 I was targeted with an offer 100K SUB Sapphire preferred via email from Chase.