topic Re: CSR Benefit Question- Visa Infinite in Credit Cards

CSR Benefit Question- Visa Infinite

Anonymous — Sun, 23 Jul 2017 17:17:54 GMT

Okay so as I'm sure everyone is aware of the CSR having the $300 Travel Credit (making it worth the AF for most people).

Do you think sometime in the near future this card will get the Visa Infinite perk of the $100 airfare discount?

Since the perk is issued by Visa, not the bank backing the card I don't really see why it hasn't been done yet. The Ritz card which is the only other Chase Visa Infinite Card has this perk, but the CSR though it's Visa Infinite it does not have this benefit.

I know some will say it's because of the annual travel credit, but a free stay at the Ritz is the equivalent to that credit and still gets the $100 discount on airfare.

Let me know your thoughts!

Re: CSR Benefit Question- Visa Infinite

Anonymous — Sun, 23 Jul 2017 17:27:25 GMT

Ritz has $300 annual travel credit as well.

Re: CSR Benefit Question- Visa Infinite

Anonymous — Sun, 23 Jul 2017 17:54:54 GMT

Then I don't understand why the CSR doesn't get this Visa Infinite feature that the Chase - Ritz Card gets!

Also, is the $300 Travel Credit New for Ritz?? I remember eyeing the Ritz card in February and didn't see that feature at all.

Re: CSR Benefit Question- Visa Infinite

CreditCuriosity — Sun, 23 Jul 2017 18:18:54 GMT

@Anonymous wrote:
Then I don't understand why the CSR doesn't get this Visa Infinite feature that the Chase - Ritz Card gets!

Also, is the $300 Travel Credit New for Ritz?? I remember eyeing the Ritz card in February and didn't see that feature at all.

Its always been on the Ritz as far as I can remember, just less liberal than the CSR travel credit.. Can use it for upgrades, lounges fees etc.. Not UBER, hotel stay or that kinda stuff.. Ritz is issued by JP Morgran where-as the CSR is Chase a bit difference so maybe a bit more "higher level" thus the additional benefits of flights? Ritz isn't a tough card to get as long as you are willing to cough up the 450 AF.. Keep in mid IMO the CSR does have the Ritz beat though on earning and transfers to ANY partner. I will be getting rid of my Ritz this November before my 3rd AF hits as the CSR fits me better unless they give me some retention offer as the Ritz IMO needs a point revamp due to the SPG / Marriott merger as I make more on general spend on the SPG card than Ritz and since the CSR came out other than the sign-up bonus and possibly marriott gold sttatus for first year and 10k spend per year after that the CSR has it spanked in pretty much every way IMO. I believe they will be introducing new benefits to the RITZ, when is the question. It use to also have the metal factor if you cared about metal cards as the Amex Black and the Ritz where the only metal cards a year or several year back, now everyone is trying to sell their cards on being metal and status lol

Re: CSR Benefit Question- Visa Infinite

Anonymous — Sun, 23 Jul 2017 18:56:41 GMT

The Ritz stands on its own from CSR. It's for people that stay at the Ritz Carlton vs anywhere. If you stay at the Ritz (and spend that 10K a year for gold status at a Ritz or Marriott or now SPG property), the card has major value in conjunction with or independent of the CSR.

Matt4200 - it's had the $300 credit since I can recall. The AF used to be $395 (until the CSR came out and they upgraded the Ritz card to Visa Infinite). I think even though they have the same AF, the Ritz has an intended customer with higher spending and higher net worth and is geared more towards luxury travel than just travel itself - i.e. The CSR has no bonus for spending 75K a year - the Ritz gives you further elevated status at Ritz Carlton. This implies the expectation of significant annual spend on the card.

That's how I see it.

Chase Slate gives you a free Experian FICO score... no other card does. Not every card has every feature regardless of class or cost etc.

Re: CSR Benefit Question- Visa Infinite

CreditCuriosity — Sun, 23 Jul 2017 19:25:36 GMT

@Anonymous wrote:
The Ritz stands on its own from CSR. It's for people that stay at the Ritz Carlton vs anywhere. If you stay at the Ritz (and spend that 10K a year for gold status at a Ritz or Marriott or now SPG property), the card has major value in conjunction with or independent of the CSR.

Matt4200 - it's had the $300 credit since I can recall. The AF used to be $395 (until the CSR came out and they upgraded the Ritz card to Visa Infinite). I think even though they have the same AF, the Ritz has an intended customer with higher spending and higher net worth and is geared more towards luxury travel than just travel itself - i.e. The CSR has no bonus for spending 75K a year - the Ritz gives you further elevated status at Ritz Carlton. This implies the expectation of significant annual spend on the card.

That's how I see it.

Chase Slate gives you a free Experian FICO score... no other card does. Not every card has every feature regardless of class or cost etc.

Actually I agree on most other than one can get Gold for having Amex Platinum also the Ritz was the first infinite, it didn't come after the CSR as an infinite but a decent time before the CSR was released. The only other infinite card prior to the Rtz at the time was crystal bank I believe that is basically meant for wealth management. You are right they are targeted to different income demographics imo hence the JPM vs. chase servicing them along with 75k platinum benefits, etc...

Re: CSR Benefit Question- Visa Infinite

Anonymous — Sun, 23 Jul 2017 19:34:46 GMT

@CreditCuriousity wrote:
@Anonymous wrote:
The Ritz stands on its own from CSR. It's for people that stay at the Ritz Carlton vs anywhere. If you stay at the Ritz (and spend that 10K a year for gold status at a Ritz or Marriott or now SPG property), the card has major value in conjunction with or independent of the CSR.

Matt4200 - it's had the $300 credit since I can recall. The AF used to be $395 (until the CSR came out and they upgraded the Ritz card to Visa Infinite). I think even though they have the same AF, the Ritz has an intended customer with higher spending and higher net worth and is geared more towards luxury travel than just travel itself - i.e. The CSR has no bonus for spending 75K a year - the Ritz gives you further elevated status at Ritz Carlton. This implies the expectation of significant annual spend on the card.

That's how I see it.

Chase Slate gives you a free Experian FICO score... no other card does. Not every card has every feature regardless of class or cost etc.
Actually I agree on most other than one can get Gold for having Amex Platinum also the Ritz was the first infinite, it didn't come after the CSR as an infinite but a decent time before the CSR was released. The only other infinite card prior to the Rtz at the time was crystal bank I believe that is basically meant for wealth management. You are right they are targeted to different income demographics imo hence the JPM vs. chase servicing them along with 75k platinum benefits, etc...

Yes but the Amex Platinum can't do this:

https://youtu.be/uJlfg3gHDQg

Re: CSR Benefit Question- Visa Infinite

Anonymous — Sun, 23 Jul 2017 19:38:36 GMT

Thanks for the information and I guess I just didn't see the Travel Credit perk before. I agree they do have different demographics in mind.

But the question still remains will the CSR being an Infinite Card soon add this benefit? It's my understand that it's issued as a Visa Infinite perk and not by the issuing bank so I see no reason it shouldn't be added. Any thoughts?

Re: CSR Benefit Question- Visa Infinite

Anonymous — Sun, 23 Jul 2017 19:45:26 GMT

@Anonymous wrote:
Thanks for the information and I guess I just didn't see the Travel Credit perk before. I agree they do have different demographics in mind.

But the question still remains will the CSR being an Infinite Card soon add this benefit? It's my understand that it's issued as a Visa Infinite perk and not by the issuing bank so I see no reason it shouldn't be added. Any thoughts?

Chase is not likely to add this benefit to the CSR. The card provides quite a few benefits now that costs them a lot and if they had plans to include it they would have done so when the card was introduced. I have yet to use the beneift on my Ritz because there are so many other better options for booking fligths and I rarely, if ever, travel in economy any longer.

Re: CSR Benefit Question- Visa Infinite

Anonymous — Sun, 23 Jul 2017 20:18:09 GMT

Irish - If they won't include this feature why label it as "Visa Infinite" which all other Visa Infinite cards have this feature?

The reason I ask is that would be a HUGE draw in for me. $100 off any flight with 2 or more people looking at their portal pricing it's almost identical to Google Flights so I see no downside to it.

Re: CSR Benefit Question- Visa Infinite

CreditCuriosity — Sun, 23 Jul 2017 22:10:58 GMT

@Anonymous wrote:
@CreditCuriousity wrote:
@Anonymous wrote:
The Ritz stands on its own from CSR. It's for people that stay at the Ritz Carlton vs anywhere. If you stay at the Ritz (and spend that 10K a year for gold status at a Ritz or Marriott or now SPG property), the card has major value in conjunction with or independent of the CSR.

Matt4200 - it's had the $300 credit since I can recall. The AF used to be $395 (until the CSR came out and they upgraded the Ritz card to Visa Infinite). I think even though they have the same AF, the Ritz has an intended customer with higher spending and higher net worth and is geared more towards luxury travel than just travel itself - i.e. The CSR has no bonus for spending 75K a year - the Ritz gives you further elevated status at Ritz Carlton. This implies the expectation of significant annual spend on the card.

That's how I see it.

Chase Slate gives you a free Experian FICO score... no other card does. Not every card has every feature regardless of class or cost etc.
Actually I agree on most other than one can get Gold for having Amex Platinum also the Ritz was the first infinite, it didn't come after the CSR as an infinite but a decent time before the CSR was released. The only other infinite card prior to the Rtz at the time was crystal bank I believe that is basically meant for wealth management. You are right they are targeted to different income demographics imo hence the JPM vs. chase servicing them along with 75k platinum benefits, etc...
Yes but the Amex Platinum can't do this:

https://youtu.be/uJlfg3gHDQg

Ya trying to figure out if that will get 395 out of me for another year as it is deff my most "beefly" cc.. lol

Re: CSR Benefit Question- Visa Infinite

UpperNwGuy — Sun, 23 Jul 2017 23:58:52 GMT

This discussion seems to be based on the assumption that the $100 airfare credit for some Visa Infinite cards comes directly from Visa, Inc and not from the issuing bank. I'm pretty sure that is not how it works. The benefits that accompany both Signature and Infinite cards are negotiated between Visa and the issuing bank when a new credit card product is being developed, and the bank pays Visa for the final negotiated package of benefits. There is no free lunch from Visa, Inc.

Re: CSR Benefit Question- Visa Infinite

MrDisco99 — Sun, 23 Jul 2017 23:57:01 GMT

I don't understand. Don't you already get $300 off flights, or any travel?

Re: CSR Benefit Question- Visa Infinite

Anonymous — Mon, 24 Jul 2017 00:15:04 GMT

UpperNewGuy - My assumption is that once the issuing bank pays Visa for Infinite Status (whatever their negotiated rate is for that) it comes with all the perks thereof...

MrDisco - Yes, however the Ritz card which is the same class (Visa Infinite), maybe class is the wrong word but you know what I mean, as CSR gets the $300 Travel Credit PLUS the $100 airfare discount every flight (with 2 or more people on an itinerary). It gets that perk for being a Visa Infinite Card, and for no other reason. It's not a benefit shown on its main page on Chase it's a Visa Infinite Benefit.

Which is why I'm wondering if CSR is also Visa Infinite why isn't this Benefit also allowed wth CSR, or is there any speculation as to this being added in the near future?

Re: CSR Benefit Question- Visa Infinite

Anonymous — Mon, 24 Jul 2017 00:34:25 GMT

I'm pretty confident that the Ritz changed to Visa Infinite right when CSR came out. I got the Ritz mid-July 2016 and it absolutely was not a Visa Infinite (still have originally issued card - it says Visa Signature). Right after I got the Ritz, they released the CSR. They raised the AF of the Ritz and changed it to Visa Infinite. It's pretty vivid in my memory - which is pretty strong.

Re: CSR Benefit Question- Visa Infinite

CreditCuriosity — Mon, 24 Jul 2017 00:53:21 GMT

@Anonymous wrote:
I'm pretty confident that the Ritz changed to Visa Infinite right when CSR came out. I got the Ritz mid-July 2016 and it absolutely was not a Visa Infinite (still have originally issued card - it says Visa Signature). Right after I got the Ritz, they released the CSR. They raised the AF of the Ritz and changed it to Visa Infinite. It's pretty vivid in my memory - which is pretty strong.

I don't doubt your memory although i believe it is a bit off although we are splitting hairs, I have had the Ritz and also have the CSR and can guarantee you the Ritz was out before the CSR in infinite status as I still am grandfathered into the 395 AF(have had for years) vs. 450 and got the infinite version of the card called and said I lost it and got it several months before the CSR came out. Close, but the RITZ certainly was the first infinite card issued by Chase. Close but a few months a part as I remember when my Ritz was upgraded to Infinite their was talk about the CSR and whether it was going to be an infinite.

Re: CSR Benefit Question- Visa Infinite

Anonymous — Mon, 24 Jul 2017 00:54:17 GMT

@Anonymous wrote:
Irish - If they won't include this feature why label it as "Visa Infinite" which all other Visa Infinite cards have this feature?

The reason I ask is that would be a HUGE draw in for me. $100 off any flight with 2 or more people looking at their portal pricing it's almost identical to Google Flights so I see no downside to it.

It isn't any flight; it is any domestic, economy class flight. Few people using the Ritz as a daily driver would be considering those flights. I flew economy earlier this year on short notice. I'll never do it again.

Re: CSR Benefit Question- Visa Infinite

UpperNwGuy — Mon, 24 Jul 2017 01:23:03 GMT

@Anonymous wrote:
UpperNewGuy - My assumption is that once the issuing bank pays Visa for Infinite Status (whatever their negotiated rate is for that) it comes with all the perks thereof...

If you read Visa, Inc's website you will discover that not all Signature cards have the same benefits, and not all Infinite cards have the same benefits. Visa provides a menu of possible benefits to the issuing banks, and the banks select benefits from that menu, and then negotiate a price for the particular benefits package they have chosen. The phrase, "it comes with all the perks thereof," is simply not true. Each bank designs its own package of perks. The more the perks, the higher the price. Chase did not choose the $100 airfare credit for the CSR, and did not pay Visa for it. I am guessing that the main reason Chase didn't select that benefit was because they considered $100 to be too low. Instead Chase gave the CSR a higher $300 travel credit. Which would you rather have, Matt, a $100 airfare credit or a $300 travel credit?

Re: CSR Benefit Question- Visa Infinite

Anonymous — Mon, 24 Jul 2017 01:02:40 GMT

Climbflier - I've never flown anything but economy, unless you count Spirit's "Big Front Seats".

I would definitely be using CSR for this benefit if it had it.

I fly domestically from LA to Minneapolis to Las Vegas throughout the year and $100 off each flight would definitely add up for me.

If I had a business that paid for my flights I would of course take business or first class flights all the time, but I don't so for now we fly economy which hasn't been much of an issue. Except I will never fly spirit without Big Front Seats it's torture.

Re: CSR Benefit Question- Visa Infinite

Anonymous — Mon, 24 Jul 2017 01:08:16 GMT

@Anonymous wrote:
Climbflier - I've never flown anything but economy, unless you count Spirit's "Big Front Seats".

I would definitely be using CSR for this benefit if it had it.

I fly domestically from LA to Minneapolis to Las Vegas throughout the year and $100 off each flight would definitely add up for me.

If I had a business that paid for my flights I would of course take business or first class flights all the time, but I don't so for now we fly economy which hasn't been much of an issue. Except I will never fly spirit without Big Front Seats it's torture.

You're going to have to accept that the CSR doesn't and won't have the benefit. There is no speculation whatsoever that it will be added to the card. The hope is that Chase won't take away any of the existing benefits down the road, not add more. If it's a feature that you have to have your only option is to apply for another Visa Infinite card like the Ritz or US Bank Reserve Visa Infinite