The Chase Sapphire Reserve Is Better Than You Think (Ft. Spencer Johnson)

[@MattWelterOfficial]

What are your thoughts on the Chase Sapphire Reserve? Let us know down below ⬇ Also, make sure to check out Spencer's channel: www.youtube.com/@SpencerJohnsonOfficial

[@SpencerJohnsonOfficial]

Thanks so much for having me on Matt! The CSR is obviously a staple card in my setup, but it's not for everyone. I'm gonna continue loving it either way though! 😆

[@MattWelterOfficial]

Of course Spencer! Thanks so much for coming on & it was great to hear your break-down & perspective on the CSR.

[@LukesPointsandMiles]

Great video! The CSR is such an interesting card to listen to other people talk about!!

[@MattWelterOfficial]

Thanks so much Luke!! Definitely- Spencer has a really interesting perspective on the CSR and was great hearing about his own experiences with the Card!

[@AnthonyVenture]

I know now is not the time, but why is Spencer’s hair always perfect? Good stuff Matt + Spencer, great collab!!

[@MattWelterOfficial]

Thanks so much Anthony! Haha his barber needs a raise!

[@soapa4279]

Joe Keery is his stunt double. Spencer is the real star

[@AnthonyVenture]

@@soapa4279Ohhhh my lawddddd he does have that hair and I can see it a bit in the face, Stranger Things coming out again I think in 2025 haha.

[@soapa4279]

@@AnthonyVenture 😂 Yes the hair is key, they look so alike

[@adrianv2]

Are we gonna talk about Spencer's Hair always being perfect?

[@AnthonyVenture]

We really need to start doing that. It’s too perfect.

[@TheCreditFrog]

If that 1.5X UR redemption was nerfed, I think Spencer would drop the card. It may even push him towards the Hyatt cards even faster!!

[@MattWelterOfficial]

Definitely- the 1.5x UR Redemption is absolutely what seems to drive the most amount of value for him especially with consistent domestic travel. Thanks so much Stan!

[@newagain9964]

Hyatt cards are not great earners for Hyatt points tho

[@ZeusAdvocate]

been following Spencer for years so cool seeing your growth and actually featuring him

[@MattWelterOfficial]

Thanks so much!

[@fogrunr5075]

Yes it is! Very good.

[@aosmond04]

The breakeven point between the CSP and CSR is 80k UR points redeemed in the portal per year ($1,200+), assuming no value from Sapphire lounge.

[@WetPets-gl2ts]

Sapphire lounge has ZERO value. Not enough lounges to make any meaningful impact.

[@jrome1135]

I currently hold both csr and csp. What I'm thinking is since i still hold an old wf visa signature (1.5cpp In the portal) is that I'll drop the csr, keep the csp, get autograph journey (the points pool, so 1.5cpp for effective 50/yr). I would then have c1 duo, citi trifecta, wf duo, and chase double quadfecta all for only 300/yr total (venture1, csp, citi premier, and autograph journey, but no lounge access, nbd). Also, if it's just domestic you're after, alaska, American (and sometimes delta) have (sometimes) great rates. I like to save my chase pts for hyatt or xfer bonuses almost exclusively, but 1.5cpp for boutique hotels ain't bad either if that's what suits your needs. Cheers!

[@charliedurham4248]

I thought you could only have one Sapphire card

[@jrome1135]

@@charliedurham4248 if you have one open, you can product change into another, you just can't open another new one

[@jrome1135]

Forgot to mention also, avianca and aeroplan have (almost always) better rates domestically for flying ua than united itself does. With a very little amount of research, i think you'll find that 1.5cpp for economy domestic is just not that good. My last 2 F9 redemptions have yielded 2.4 and 2.8cpp, and those are FRONTIER MILES!!!! American domestic I've averaged close to 3cpp, and Alaska i would say closer to 3.5cpp domestic.

[@nickverburg8255]

@@charliedurham4248that’s true. He must be talking about some other card

[@MattWelterOfficial]

Love that! Thanks so much for watching!

[@davidgarces2622]

Started watching both in 2024, love the advice from each and can't wait for next years content!!

[@MattWelterOfficial]

Thanks so much David! We both really appreciate your support!

[@hookshankhewitt5615]

Do you think any of the "luxary cards" Are worth it if you don't fly? For example. We travel a lot with our kids but always drive. The reserve has my most attention due to the point boost. Just wondering your opinion!

[@MattWelterOfficial]

I think one of the luxury Hotel Cards could make sense especially in that case if you stay at Hilton's frequently, the Aspire could be worth it! the Platinum could be worth it depending on how much value you get from the Credits as well. Thanks so much for watching Hank!

[@hookshankhewitt5615]

@MattWelterOfficial agreed! I love marriott. Not a huge hilton guy but I noticed a lot of the places we go to have nice Hiltons. The reserve just had me for the point boost in the portal. But I'll look into it. Thank you!

[@newagain9964]

No. Get hotels cards in ur situation. Cheaper and will provide more value. Make sure u have card with strong gas multipliers.

[@hookshankhewitt5615]

@@newagain9964 thank you! Kinda what I thought as well.

[@WetPets-gl2ts]

@@MattWelterOfficial I wouldn't call Hilton a luxury hotel.

[@metal441]

Matt, what’s with your sound here? Assuming you were using the mic on your AirPods on accident.

[@jaystevens9012]

CSR for 1.5/ travel credit (everyday use card).... amex for plat lounge/air credits/phone ins... just added hilton aspire for diamond status, yearly free night award/ flight & hotel credits...... honorabel mention: marriot boundless for annual free night cert, alaska for annual companion cert, united for 2 lounge yearly and free bags

[@MattWelterOfficial]

Those are all great cards and I love that you have specific use cases for each of the Cards that you are using within your setup. Thanks so much for watching Jay!

[@fogrunr5075]

My upgrade bonus Platinum has been downgraded to Green Card to run w/Gold Card w/Blue Business Plus. Chase Sapphire Reserve is my #1A. Citi Strata Premier is my #1B. Wells Fargo Autograph is #2. Navy Federal CashRewards 2% is #3.

[@kev14609]

I have seen in 2024 some amazing transfer bonuses with Chase. I love the 50% in the portal which is amazing. I currently have been using the chase trifecta with the CSP and have gained a lot of points with it especially with the freeom flex rotating categories. Pretty powerful.

[@WetPets-gl2ts]

50% through the portal sounds great until you try to make a reservation for hotels and there are none available in the cities you are traveling to.

[@TheJordanRulesforCredit]

I have a Sapphire lounge in BOS but have access with Priority Pass thru Brilliant card. Long term I would like to burn my Delta miles and do what Spencer is doing with using CSR for domestic travel to get 1.5cpp

[@BIGNick7513]

Is it possible to use the $300 travel credit within Chase's travel portal, like with the Venture X travel credit, or is it strictly only for travel purchases outside of the portal?

[@MattWelterOfficial]

You can use it for any travel purchases outside of the portal or within the portal! Thanks so much for watching Nick!

[@BIGNick7513]

@@MattWelterOfficial Thanks for the reply Matt

[@iclubsealsified]

@@BIGNick7513also worth noting that chase is very lenient with how they apply the travel credit. You can even use it for uber or parking meters.

[@WetPets-gl2ts]

You can use the $300 travel credit to purchase plane tickets which AEP cannot. One the flip side, AEP is free with a Morgan Stanley account.

[@fogrunr5075]

Go anywhere, do anything... Sapphire Reserve Strata Premier Autograoh Navy Federal Cash Rewards

[@Milkinporsche]

I have to be honest, the only two seasons i am keeping the CSR, are the 1.5X boost on portal and hyatt. If one of these features gets removed i will immediately jump ship.

[@MattWelterOfficial]

Totally fair & appreciate your support!

[@WetPets-gl2ts]

I don't care about Hyatt, just not enough locations worldwide to make it worth my time. Marriott Bonvoy on the other hand has way more locations to choose from and partner with both Chase and AE.

[@hustlehard4L]

The are dropping the Lyft Pink which was a good value if you live in a city. The dash pass is a joke and the credits are clunky for sure.

[@DicksonMaimouth]

I wish they would’ve simply boosted the $5/month DoorDash credit to $25, instead of applying the additional $20 to grocery. That would’ve made it so much better.

[@Sartorius988]

If you travel 1-2x a year you don't need the Amex plat

[@vickiarnold7300]

The card is not for me. Great job on KZbin ♥️

[@MattWelterOfficial]

Thanks so much Vicki!

[@benchoflemons398]

CSR is cooked w/o the ink train.

[@SOXGATORS]

👍🏻

[@MattWelterOfficial]

🥇

[@DaIton-]

2nd

[@MattWelterOfficial]

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