Should I even bother with the Sapphire?

thelethargicage · ‎04-08-2013

I mean, with the U.S. Bank Cash Plus I get 5% back on all types of restaurants whereas the Sapphire only gives 2x points on dining, and I don't really travel. Other than the cool look of the card, is there any reason to get it?

enharu · ‎04-08-2013

@thelethargicage wrote:
I mean, with the U.S. Bank Cash Plus I get 5% back on all types of restaurants whereas the Sapphire only gives 2x points on dining, and I don't really travel. Other than the cool look of the card, is there any reason to get it?

No, don't get it.

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CreditScholar · ‎04-08-2013

@thelethargicage wrote:
I mean, with the U.S. Bank Cash Plus I get 5% back on all types of restaurants whereas the Sapphire only gives 2x points on dining, and I don't really travel. Other than the cool look of the card, is there any reason to get it?

If you don't travel there are better values out there. Also are you talking about the normal sapphire or Sapphire Preferred?

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL

09Lexie · ‎04-08-2013

Sounds like you don't need this card. Unless you just want it cause its metal. 😏

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webhopper · ‎04-08-2013

No need for this card... IMHO

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CreditScholar · ‎04-08-2013

@09Lexie wrote:
Sounds like you don't need this card. Unless you just want it cause its metal. 😏

Only the CSP is metal. The normal Sapphire card isn't.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL

09Lexie · ‎04-08-2013

@CreditScholar

Yes, I know the CSP is metal. I was responding to the OPs 'future cards' in his/her siggy.

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youngandcreditwrthy · ‎04-08-2013

I think CSP would be good if you eat out a lot

HiLine · ‎04-08-2013

The CSP is designed for frequent travelers come high spenders. If you don't even travel, don't bother.

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bs6054 · ‎04-08-2013

Except for the churn. If you can spend 3K in the first three months, you get the 40K points, which at a minimum, if you don't travel, is worth $400, and there is no AF. Before the fee comes due, switch to a no-fee card. So this is $400 free (providing you meet the spend and don't need the HP for something else)