Anyone very familiar with Chase cards, URs, and PCs - please help

[K-in-Boston]

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@GatorGuy wrote:

To transfer points to another person I believe you have to be an authorized user on their card.

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You can set up UR transfer to a single member of your household who is the primary cardholder of an Ultimate Rewards-earning Chase card.  Neither the donor nor recipient need to be authorized users on the respective cards.

[Citylights18]

Also authorized users are $0 on the CSP instead of $75 on the CSR.

[SPChaser]

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@Citylights18 wrote:

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@SPChaser wrote:

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@Citylights18 wrote:

Don't forget the hotel credit on the CSP. $50 dollars to offset that $95 dollar AF.

You even get more points on dining with the CSP now (3.3 to 3.0) on dining than what you did before. Lower earn rates on travel/transit but you are comparing an effective AF of $45 on the CSP to $250 on the CSR after travel credits.

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@Citylights18 I forgot about the hotel credit and didn't even know you could earn more on dining with the CSP! Thanks!

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The base dining rate is 3x but you get 10% of your points back. Earn 30,000 it becomes 33,000. The same with transit/travel earn.

SUB is elelvated 80,000 right now with a waived $95 AF also if you want to app for it.

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Gotcha. I saw the SUB was 80K right now, but have you seen anyone getting the 100K again, maybe even in-branch? 

[SPChaser]

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@Citylights18 wrote:

Also authorized users are $0 on the CSP instead of $75 on the CSR.

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You know something, I had read this in the TOS when I first received my CSR those years ago, and I don't know if I just lucked out or something, but I have never been charged the $75 AU fee for DW. I have looked back at past end-of-year summaries and the charge just isn't there. Yeh, definitely not calling Chase to inquiry about that 

[GatorGuy]

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@SPChaser wrote:

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@GatorGuy wrote:

@Aim_High Gave you an excellent breakdown. I pretty much agree with everything he said. It would make the most sense for you to downgrade completely to a CFU or CFF. To transfer points to another person I believe you have to be an authorized user on their card. If you didn't want to transfer them and you planned on apping for the CSP later when they had a high SUB then you could just keep the points. You could then upgrade the CSP to the CSR and it would maximize points.

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@GatorGuy thanks for the feedback! Correct me if I'm wrong, I thought if one were just in the same household, then you were free to transfer points between anyone in the family if they already had/earning URs? I've also thought about keeping the points, but we plan on traveling, so when/if I do anything with my CSR, I feel, in the short term anyway, it would be better to transfer the points to DW; this after upgrading her CSP to CSR. 

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Looks likes others have confirmed you can send it to a household member. I've only ever seen the option to send it to myself or other person account I'm an AU on.

[longtimelurker]

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@Citylights18 wrote:

You even get more points on dining with the CSP now (3.3 to 3.0) on dining than what you did before. 

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Are you taking about the 10% annual bonus?   This applies to spend, not to points earned, so you get 3.1 on dining   While better for transfers, if used in the portal, the 50% bonus on CSR vs 25% on CSP overwhelms that small difference.

[Citylights18]

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@SPChaser wrote:

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@Citylights18 wrote:

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@SPChaser wrote:

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@Citylights18 wrote:

Don't forget the hotel credit on the CSP. $50 dollars to offset that $95 dollar AF.

You even get more points on dining with the CSP now (3.3 to 3.0) on dining than what you did before. Lower earn rates on travel/transit but you are comparing an effective AF of $45 on the CSP to $250 on the CSR after travel credits.

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@Citylights18 I forgot about the hotel credit and didn't even know you could earn more on dining with the CSP! Thanks!

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The base dining rate is 3x but you get 10% of your points back. Earn 30,000 it becomes 33,000. The same with transit/travel earn.

SUB is elelvated 80,000 right now with a waived $95 AF also if you want to app for it.

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Gotcha. I saw the SUB was 80K right now, but have you seen anyone getting the 100K again, maybe even in-branch? 

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That might be a one time pandemic thing.

[Citylights18]

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@longtimelurker wrote:

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@Citylights18 wrote:

You even get more points on dining with the CSP now (3.3 to 3.0) on dining than what you did before. 

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Are you taking about the 10% annual bonus?   This applies to spend, not to points earned, so you get 3.1 on dining   While better for transfers, if used in the portal, the 50% bonus on CSR vs 25% on CSP overwhelms that small difference.

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The multiplier savings are not that great.

10,000 point hotel

divide by 1.5

points price 6,666

10,000 point hotel

divide by 1.25

points price 8,000

You save then 1,333 for every 10,000 redeemed with a CSR over a CSP. Given the effective AF difference is $205 you would have to reedeem like 153,800 points through the travel portal to break even.

I have Chase for 3 years now and never once have I reedeemed through the travel portal as I've had better redemption ratios through the transfer partners. I've done Southwest a couple of times, once when they had a 20% transfer bonue. But that is it.

[longtimelurker]

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@Citylights18 wrote:

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@longtimelurker wrote:

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@Citylights18 wrote:

You even get more points on dining with the CSP now (3.3 to 3.0) on dining than what you did before. 

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Are you taking about the 10% annual bonus?   This applies to spend, not to points earned, so you get 3.1 on dining   While better for transfers, if used in the portal, the 50% bonus on CSR vs 25% on CSP overwhelms that small difference.

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The multiplier savings are not that great.

10,000 point hotel

divide by 1.5

points price 6,666

10,000 point hotel

divide by 1.25

points price 8,000

You save then 1,333 for every 10,000 redeemed with a CSR over a CSP. Given the effective AF difference is $205 you would have to reedeem like 153,800 points through the travel portal to break even.

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Sure, but that type of calculation assumes that the only reason for the increased AF is the multiplier, which really isn't the case.  And my original point was just to correct the 3.3 to 3.1, which, for transfers, is still good with the low AF.

[Citylights18]

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@longtimelurker wrote:

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@Citylights18 wrote:

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@longtimelurker wrote:

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@Citylights18 wrote:

You even get more points on dining with the CSP now (3.3 to 3.0) on dining than what you did before. 

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Are you taking about the 10% annual bonus?   This applies to spend, not to points earned, so you get 3.1 on dining   While better for transfers, if used in the portal, the 50% bonus on CSR vs 25% on CSP overwhelms that small difference.

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The multiplier savings are not that great.

10,000 point hotel

divide by 1.5

points price 6,666

10,000 point hotel

divide by 1.25

points price 8,000

You save then 1,333 for every 10,000 redeemed with a CSR over a CSP. Given the effective AF difference is $205 you would have to reedeem like 153,800 points through the travel portal to break even.

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Sure, but that type of calculation assumes that the only reason for the increased AF is the multiplier, which really isn't the case.  And my original point was just to correct the 3.3 to 3.1, which, for transfers, is still good with the low AF.

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Its that point discount (which may go unused) and the 10x on Lyft, Rental Cars and Hotels (which may go lightly used) as the main reasons to get a CSR over a CSP. Yes it is 3.1 as I checked with the anniversary bonus through my statements.

The difference in effective AF a couple of years ago was much smaller ($95 CSP and $150 CSR after travel credit). CSP was only 2x dining. The only advantage of the CSP is it had a little larger sign up bonus and it tended to be a little easier to get into as a 690-710 card vs. a 740+ card. CSR works if you plan to spend $5,000+ through the Chase travel portal in a calendar year as that would net you an extra 25,000 points over CSP on the same spend.

I chose the path of hitting SUBs and bonuses. Used categories with a high earn rate to earn points organically. I've had $6,500 of free travel in the past 12 months and I'm still sitting on 750k points. Will I ever draw my points down enough to start buying a lot of travel? I'm not sure. I'm starting not to even care about SUBs anymore.