topic Re: CHASE ,, short of good rewards what gives ? in Credit Cards

CHASE ,, short of good rewards what gives ?

Anonymous — Sun, 19 May 2019 19:42:36 GMT

Everyone used to run after Amex but now the Hot card to have is a chase product ,,, is it really a important part of your base to have a chase product long term ?

Re: CHASE ,, short of good rewards what gives ?

wasCB14 — Sun, 19 May 2019 20:28:43 GMT

Chase is really all about travel. Good rewards, transfer partners, and protections.

If you don't travel a fair amount, then the cards don't really offer much.

*Also popular are Amazon for shopping and Slate for BTs...but most of the enthusiasm is for the travel cards.

Re: CHASE ,, short of good rewards what gives ?

Remedios — Sun, 19 May 2019 19:51:57 GMT

@Anonymous wrote:
Everyone used to run after Amex but now the Hot card to have is a chase product ,,, is it really a important part of your base to have a chase product long term ?

It's not. The only hot product you should wonder about is the one that aligns with your spending and goals.

It can be either, neither and/or both.

Stay focused on rewards structure, not on who the issuer is.

Re: CHASE ,, short of good rewards what gives ?

Anonymous — Sun, 19 May 2019 20:31:18 GMT

Chase is the “hot” card to have? That’s a new one for me. Most of their offerings for me are useless. I only have 1 card left from Chase and I’m on the fence about closing it and being done with them.

If my interests ever change and I become more travel oriented, I would certainly consider them but I would be much more likely to choose Amex.

Re: CHASE ,, short of good rewards what gives ?

Anonymous — Sun, 19 May 2019 21:27:32 GMT

congrats on the 800 club membership....

@Anonymous wrote:
Chase is the “hot” card to have? That’s a new one for me. Most of their offerings for me are useless. I only have 1 card left from Chase and I’m on the fence about closing it and being done with them.

If my interests ever change and I become more travel oriented, I would certainly consider them but I would be much more likely to choose Amex.

Re: CHASE ,, short of good rewards what gives ?

coreysw12 — Sun, 19 May 2019 22:09:57 GMT

My sapphire (approved last week, but still yet to arrive in the mail) will definitely be a strictly travel-oriented card. I really only plan to charge airfare/hotel/rental car bookings to it, and the rewards will be redeemed for more travel.

If you don't travel much, and don't have much interest in starting, then the sapphire cards may not be right for you. The freedom card (regular Freedom, not Freedom Unlimited) is still a good one for rotating categories, though... for anyone, not just travellers. It potentially becomes even 150% better just by having a sapphire card you can transfer to the points to and use them for booking travel, but you have to be a pretty big spender to make that work and, obviously, you have to want to travel. Otherwise the Discover It card is basically the same thing. A lot of people like to have both Freedom and Discover IT, so they have 4 rotating categories every quarter. Add in the US Bank Cash+ card, and now you've got 6 quarterly 5% back categories, and two of them you get to select yourself.

Re: CHASE ,, short of good rewards what gives ?

calyx — Sun, 19 May 2019 22:58:23 GMT

I went with Chase instead of AMEX purely for the travel partners. I don't think of it as a 'hot' card, so much as that there are a number of us who value what they give.

There are plenty of people around here with a TON of AMEX love, and for good reasons (for them )

Re: CHASE ,, short of good rewards what gives ?

Anonymous — Sun, 19 May 2019 23:21:57 GMT

When I started my rebuild, I really, really, really wanted Chase. They had the Marriott card, the Sapphire products and United. However, due to past relationship and a reporting BK7, they won't have me.

I have found that AmEx has become the Hot cards for me with Marriott and Delta. Also, I am researching whether the MR program will work for me. And I think it will. So, although Chase could have fulfilled my needs, AmEx will do the job quite nicely too.

Re: CHASE ,, short of good rewards what gives ?

wasCB14 — Sun, 19 May 2019 23:53:29 GMT

If "hot" is to mean faddish, then keep in mind 5/24 prevents trend chasers from getting (most? all?) Chase cards in the first place.

Of course, with more issuers becoming sensitive to new accounts and overall exposure, the whole "flavor of the month" scene doesn't seem nearly as big.

Light travelers may be best off with either Amex or Chase (or Marriott/Citi/DC/whatever). Moderate and frequent/luxury travelers can get a good value from having multiple programs.

Re: CHASE ,, short of good rewards what gives ?

Green456 — Mon, 20 May 2019 00:29:20 GMT

@Anonymous wrote:
Everyone used to run after Amex but now the Hot card to have is a chase product ,,, is it really a important part of your base to have a chase product long term ?

No it is not. I actually closed my credit card with Chase and I am in the process of completely terminating my relationship with them. I do my credit cards with Bank of America now and I get 3.3% on travel/1.65% on everything else with just their basic savings account. I am also evaluating investing with BoA long term which would boost me to 5.25% cashback on travel/2.65% on everything else. The latter would be a breaking point to get into Plastiq for me as I would net 0.15% on all expenses.

I don't use Chase because 1) the airline I is not on their partner list, 2) every time I call them I speak with someone outside of United States, 3) I don't trust them to keep my savings and income and they don't support ebills on their credit products.

Re: CHASE ,, short of good rewards what gives ?

wasCB14 — Mon, 20 May 2019 00:42:38 GMT

@Green456 wrote:
@Anonymous wrote:
Everyone used to run after Amex but now the Hot card to have is a chase product ,,, is it really a important part of your base to have a chase product long term ?
No it is not. I actually closed my credit card with Chase and I am in the process of completely terminating my relationship with them. I do my credit cards with Bank of America now and I get 3.3% on travel/1.65% on everything else with just their basic savings account. I am also evaluating investing with BoA long term which would boost me to 5.25% cashback on travel/2.65% on everything else. The latter would be a breaking point to get into Plastiq for me as I would net 0.15% on all expenses.
I don't use Chase because 1) the airline I is not on their partner list, 2) every time I call them I speak with someone outside of United States, 3) I don't trust them to keep my savings and income and they don't support ebills on their credit products.

I am neither a Plastiq user nor a BofA customer, so others should weigh in here.

But I believe BofA's 2.625% cards (Travel Rewards and Premium Rewards) are only issued as Visa network cards...and that Visa now often codes as a cash advance with Plastiq.

MCs I think are better with Plastiq...but there aren't a lot of great off-category MCs.

Re: CHASE ,, short of good rewards what gives ?

Anonymous — Mon, 20 May 2019 00:46:24 GMT

@coreysw12 wrote:
... A lot of people like to have both Freedom and Discover IT, so they have 4 rotating categories every quarter. Add in the US Bank Cash+ card, and now you've got 6 quarterly 5% back categories, and two of them you get to select yourself.

This is what I do.

Re: CHASE ,, short of good rewards what gives ?

ChargedUp — Mon, 20 May 2019 02:06:51 GMT

Chase works for me because the UR's work for where I want to stay and with who I choose to travel. My wife is using rental cars on a regular basis, so CSP's primary collision protection is a no brainer and typically saves $30+/day on LDW charges. (The LDW savings alone put me ahead of the AF on CSP). I don't believe I've ever gotten a foreign call center when I've called Chase, but this very well could be YMMV. Either way, the CSR's were always very helpful at addressing the issues I brought to their attention. I had my FU converted to Signature and it was as easy as ordering a happy meal. I called BBVA inquiring about the same and the CSR had no idea what I was talking about. (I swear he had to Google it ) At first, he told me I needed to contact Visa themselves for the upgrade. In the end, he told me to charge a lot, PIF and travel a lot and it would happen automatically...

Re: CHASE ,, short of good rewards what gives ?

mongstradamus — Mon, 20 May 2019 09:16:06 GMT

I think csp and csr you get domestic call centers most of chases other cards you get sent overseas when you call in,do that may be reason why. I wouldn't necessarily consider that as a negative with chase because with other CCC you don't get us based customer service unless you go high end. Even amex gold you get sent over seas and you are paying a pretty high af for that card

Re: CHASE ,, short of good rewards what gives ?

Green456 — Mon, 20 May 2019 11:48:12 GMT

@mongstradamus wrote:
I think csp and csr you get domestic call centers most of chases other cards you get sent overseas when you call in,do that may be reason why. I wouldn't necessarily consider that as a negative with chase because with other CCC you don't get us based customer service unless you go high end. Even amex gold you get sent over seas and you are paying a pretty high af for that card

You always get US based customer service with Discover. Same goes for Bank of America. I called Citi recently and I got US based customer service too.

Re: CHASE ,, short of good rewards what gives ?

Anonymous — Mon, 20 May 2019 12:09:37 GMT

We should have threads similar to this one every day:

5/18 What's so great about American Express?

5/19 . CHASE ,, short of good rewards what gives ?

5/20 . Who's next?

Re: CHASE ,, short of good rewards what gives ?

mongstradamus — Mon, 20 May 2019 14:31:53 GMT

@Green456 wrote:
@mongstradamus wrote:
I think csp and csr you get domestic call centers most of chases other cards you get sent overseas when you call in,do that may be reason why. I wouldn't necessarily consider that as a negative with chase because with other CCC you don't get us based customer service unless you go high end. Even amex gold you get sent over seas and you are paying a pretty high af for that card
You always get US based customer service with Discover. Same goes for Bank of America. I called Citi recently and I got US based customer service too.

Discover everything is US they based their advertising on that. As far as BOA and Citi I have had mixed with Citi experience with DC and premeir sometimes i get us sometimes i don't . I don't have any expereience with BOA since i don't have any of their cards so i don't know.

Re: CHASE ,, short of good rewards what gives ?

Anonymous — Mon, 20 May 2019 16:04:09 GMT

@Anonymous wrote:
We should have threads similar to this one every day:

5/18 What's so great about American Express?
5/19 . CHASE ,, short of good rewards what gives ?
5/20 . Who's next?

5/21: Credit cards, what's the point? (With special guest Dave Ramsey)

Re: CHASE ,, short of good rewards what gives ?

SBR249 — Mon, 20 May 2019 16:24:01 GMT

@mongstradamus wrote:
I think csp and csr you get domestic call centers most of chases other cards you get sent overseas when you call in,do that may be reason why. I wouldn't necessarily consider that as a negative with chase because with other CCC you don't get us based customer service unless you go high end. Even amex gold you get sent over seas and you are paying a pretty high af for that card

At the risk of going a bit off topic, every time I've called US Bank it's been US based, same with Capital One though that was a long time ago and usually I called more for the banking side of things.

Re: CHASE ,, short of good rewards what gives ?

Remedios — Mon, 20 May 2019 16:36:32 GMT

@Anonymous wrote:
@Anonymous wrote:
We should have threads similar to this one every day:

5/18 What's so great about American Express?
5/19 . CHASE ,, short of good rewards what gives ?
5/20 . Who's next?
5/21: Credit cards, what's the point? (With special guest Dave Ramsey)

05/22 Cap One CLI (mandatory daily thread) (ends up running it's course)

05/23 Why do you have so many cards (copy and paste answers ready) (ends up in SB)

05/24 Why do you need high limits (copy and paste answers) (ends up locked)

05/25 Amex wont give me SUB, only closed 10 cards with AF. What gives (cage match) (locked on page 2)

05/26 App spree ( "dont do it" copy and paste, does it anyway) (stays in place, natural death)