More $5000 Chase Sapphire Preferred or United MileagePlus® Explorer Card?????

[newstar87]

So I apped for two cards: Chase Sapphire Preferred or United MileagePlus® Explorer Card. My app for CSP was approved with $5000. The second card was turned down due to app 2 cards (Yes, this was what I heard from rep). I was told that I can convert CSP to Explorer if I want!

With CSP, required to spend $3000 to get 40,000 BONUS POINTS & add 1 AU to get additional 5000 points!

With EXPLORER, required to spend $1000 to get 30,000 bonus points on United Airlines.

Which card should I get??

CSP has two versions: World Mastercard & Visa Signature. Which one is better in terms of car rental insurance, return protection, concierge?

Thank you

[Creditaddict]

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@newstar87 wrote:

So I apped for two cards: Chase Sapphire Preferred or United MileagePlus® Explorer Card. My app for CSP was approved with $5000. The second card was turned down due to app 2 cards (Yes, this was what I heard from rep). I was told that I can convert CSP to Explorer if I want!

With CSP, required to spend $3000 to get 40,000 BONUS POINTS & add 1 AU to get additional 5000 points!

With EXPLORER, required to spend $1000 to get 30,000 bonus points on United Airlines.

Which card should I get??

CSP has two versions: World Mastercard & Visa Signature. Which one is better in terms of car rental insurance, return protection, concierge?

Thank you

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So you were approved the CSP for $5k but they are willing to PC you now if you wish for a lesser spend?

Have you called backdoor and recon 2nd app for approval? some have reported calling 3 or 4 times to get different shifts and reps for recon... MANY many have had no issue after recon getting 2 and 3 apps approve in a row if credit warrants.... so it's not a flat denial policy because you have 2 apps.

[bribro]

Do not convert the CSP to a MileagePlus Explorer. Keep the CSP, get the sign-up bonus, enjoy it. 3-6 months later, apply for the MP Explorer card and get another sign-up bonus (hopefully the 50k+5k+10k one instead of the 30k+5k+10k offer).

Also, you confused some of the bonus terms. CSP is a 40k bonus. The Explorer is a 30k bonus + 5k for AU +10k after spending $25k in a year (there's also a 50k + 5k AU + 10k offer you should look into).

[bribro]

And yes, try recon again if you want both cards right now.

[myjourney]

Keep the CSP 

Recon United 

If recon doesn't workout use the CSP for 6 months and app united again for another signup bonus

[Kozmo]

Wait I'm confused, you got an additional 5k points for adding an AU on CSP?

[bribro]

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@Kozmo wrote:
Wait I'm confused, you got an additional 5k points for adding an AU on CSP?

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No, OP was mistaken. You get 5k points for adding an AU on the MP Explorer.

[newstar87]

CSP Visa Signature or World Mastercard??? 

[CBTS]

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@bribro wrote:

Do not convert the CSP to a MileagePlus Explorer. Keep the CSP, get the sign-up bonus, enjoy it. 3-6 months later, apply for the MP Explorer card and get another sign-up bonus (hopefully the 50k+5k+10k one instead of the 30k+5k+10k offer).

Also, you confused some of the bonus terms. CSP is a 40k bonus. The Explorer is a 30k bonus + 5k for AU +10k after spending $25k in a year (there's also a 50k + 5k AU + 10k offer you should look into).

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The 50k bonus offer you're referring to, that's the one available only via applying in-branch, correct?

[newstar87]

bump!