topic Re: Sapphire Reserve: AF Timing and AA Concern in Credit Cards

Sapphire Reserve: AF Timing and AA Concern

wasCB14 — Thu, 12 Dec 2019 19:46:02 GMT

I got CSR around April or May 2018. With some Amex changes and the likely addition of a BofA Premium Rewards, I may PC CSR to a no-AF Sapphire card in the hope of later PCing it to another 5x Freedom card.

Does Chase still prorate AFs for PCs, such that I could expect roughly a 1/3 AF refund if I PCed around January 2020?

I guess I could keep it until around June 2020...get the $300 travel credit and then get a refund of most of the AF. I might actually come out a bit ahead that way vs. PCing in January 2020. But I wonder if that would be even more likely to trigger AA from Chase.

Thoughts?

Re: Sapphire Reserve: AF Timing and AA Concern

simplynoir — Thu, 12 Dec 2019 19:56:20 GMT

They'll prorate it according to datapoints I read on Flyertalk and this article as well. I wouldn't push my luck on using the $300 travel credit when the AF posts and then downgrading after the fact if you like Chase and their services

Re: Sapphire Reserve: AF Timing and AA Concern

randomguy1 — Thu, 12 Dec 2019 20:21:59 GMT

I have read a lot of data points about them prorating. Some people do use the travel credit before PCing but it depends on your risk tolerance.

Re: Sapphire Reserve: AF Timing and AA Concern

wasCB14 — Thu, 12 Dec 2019 20:22:28 GMT

@simplynoir wrote:
They'll prorate it according to datapoints I read on Flyertalk and this article as well. I wouldn't push my luck on using the $300 travel credit when the AF posts and then downgrading after the fact if you like Chase and their services

So probably best to PC in January 2020 (once Platinum's travel insurance improves and a Christmas/New Year trip ends)?

I like my closed-to-new-apps IHG and Hyatt cards. I'm definitely not interested in losing either one over a matter of a few dollars.

Re: Sapphire Reserve: AF Timing and AA Concern

simplynoir — Thu, 12 Dec 2019 20:35:33 GMT

@wasCB14 wrote:
@simplynoir wrote:
They'll prorate it according to datapoints I read on Flyertalk and this article as well. I wouldn't push my luck on using the $300 travel credit when the AF posts and then downgrading after the fact if you like Chase and their services
So probably best to PC in January 2020 (once Platinum's travel insurance improves and a Christmas/New Year trip ends)?

I like my closed-to-new-apps IHG and Hyatt cards. I'm definitely not interested in losing either one over a matter of a few dollars.

Yes, that's what I would do if I was in your position. The prorated AF will basically put you at even when the travel credit is taken into account which is not too shabby