Chase Sapphire Reserve SUB

Soundersfan1 · ‎08-09-2025

I currently hold the CSP and I also want the CSR now that Chase no longer has the one Sapphire rule. Hypothetically, what would Chase do if I do this.

1. Product Change CSP to Chase Freedom

2. Apply for CSR for SUB

3. After approval for CSR, product change Chase Freedom back to CSP

This would what I'd ideally want for my Chase card set up

Chase Sapphire Reserve

Chase Sapphire Preferred

Chase Freedom Unlimited

ptatohed · ‎08-09-2025

Does it make sense to have both the SP and the SR?

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Soundersfan1 · ‎08-10-2025

For me it is the 2x back on travel since Chase's travel category covers a lot of stuff and the 3x back on streaming doesn't hurt either.

FicoMike0 · ‎08-10-2025

How much do you spend on streaming? That's less than $100 for me.

NoHardLimits · ‎08-10-2025

@Soundersfan1 wrote:
For me it is the 2x back on travel since Chase's travel category covers a lot of stuff and the 3x back on streaming doesn't hurt either.

Don't you already have Amex Blue Cash Preferred? That's 6% for streaming.

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Soundersfan1 · ‎08-10-2025

Yes but I am going to be downgrading to the Amex BCE since I'm planning on getting the Gold and that can take over the grocery category. So the CSP would really be the 3x on streaming and 2x on all travel.

NoHardLimits · ‎08-11-2025

@Soundersfan1 wrote:
Yes but I am going to be downgrading to the Amex BCE since I'm planning on getting the Gold and that can take over the grocery category. So the CSP would really be the 3x on streaming and 2x on all travel.

If you can wring out a lot more than 3% and 2% in those categories, then CSP could work out even with the $95 fee. Otherwise, something like the Wells Fargo Autograph could be more cost effective with no annual fee.

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