Chase only has priority if you are going to use THEIR rewards system. Not everyone needs or has to have a Chase card in their portfolio and not having one doesnt make your portfolio any less complete. I could go the rest of my life without a Chase card and be entirely content as my other cards swipe just as well. Just my humble opinion 
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DO NOT get a CC just because of it's looks.
Hopefully a stranger yelling at you over the internet works!
Hopefully a stranger yelling at you over the internet works!
@AverageJoesCredit wrote:
Chase only has priority if you are going to use THEIR rewards system. Not everyone needs or has to have a Chase card in their portfolio and not having one doesnt make your portfolio any less complete. I could go the rest of my life without a Chase card and be entirely content as my other cards swipe just as well. Just my humble opinion
Chase cards that fall under 5/24 also include the Southwest co-branded cards, the United co-branded cards, and the Marriott co-branded card. That's on top of the cards that earn UR points, which most people believe have the highest value along with Amex MR points. I would say that most people who do travel, even just one or twice a year, could make good use of either Chase's own UR cards or their co-branded cards.
So yeah, if you don't travel, Chase doesn't really do much for you since their cash-back portfolio is okay at best. But if you're into travel rewards, Chase is typically a pretty good place to start. The ability to redeem points for 1 CPP or more for traveling through their portal also makes things easier for those who don't care to transfer points to airlines.
Edit: I do have a lot of Chase cards and I bank with them, but I don't work for them! Just my humble opinion as well.
[2/2019]
@Anonymous wrote:
@Queen_Etherea wrote:
@jdbkiang wrote:
Don’t waste a 5/24 slot! Get a card with a great bonus and reward yourself for showing discipline!I keep seeing people posting about Chase cc's and honestly don't know why everyone cares so much about these cards. Are they really THAT great? Do they have better rewards than most or something?
They are arguably, and in my opinion the most well rounded rewards credit cards out there. Ultimate Rewards cards are a great combination of perks/point earning/rewards/affordability that can be utilized by the majority of people. Untill just recently, Chase pretty much had no competition.
Besides all that its just future proofing your credit card portfolio by ensuring you have Chase Credit cards because of their infamous 5/24 rule. Even if you dont use Chase Cards, having them now allows you to always go back to them later if needed when you are inevitably outside of 5/24. This strict 2 year rule doesnt really apply to anything else, so thats why Chase always has priority.
Totally makes sense. I kept checking their pre-qualified site and was never pre-approved so I didn't want to chance it. I'm about 8/24 right now lol, so maybe in a couple years I can try. Hopefully my credit will be in the 800's by then.
@jdbkiang wrote:
@AverageJoesCredit wrote:
Chase only has priority if you are going to use THEIR rewards system. Not everyone needs or has to have a Chase card in their portfolio and not having one doesnt make your portfolio any less complete. I could go the rest of my life without a Chase card and be entirely content as my other cards swipe just as well. Just my humble opinionChase cards that fall under 5/24 also include the Southwest co-branded cards, the United co-branded cards, and the Marriott co-branded card. That's on top of the cards that earn UR points, which most people believe have the highest value along with Amex MR points. I would say that most people who do travel, even just one or twice a year, could make good use of either Chase's own UR cards or their co-branded cards.
So yeah, if you don't travel, Chase doesn't really do much for you since their cash-back portfolio is okay at best. But if you're into travel rewards, Chase is typically a pretty good place to start. The ability to redeem points for 1 CPP or more for traveling through their portal also makes things easier for those who don't care to transfer points to airlines.
Edit: I do have a lot of Chase cards and I bank with them, but I don't work for them!
No doubt ,lol. I dont deny that and more power to you travellers i wish i could travel, would be fun . I just dont like their jump through hoops for a card and heaven forbid if you dont meet their high standards
@AverageJoesCredit wrote:
@jdbkiang wrote:
@AverageJoesCredit wrote:
Chase only has priority if you are going to use THEIR rewards system. Not everyone needs or has to have a Chase card in their portfolio and not having one doesnt make your portfolio any less complete. I could go the rest of my life without a Chase card and be entirely content as my other cards swipe just as well. Just my humble opinionChase cards that fall under 5/24 also include the Southwest co-branded cards, the United co-branded cards, and the Marriott co-branded card. That's on top of the cards that earn UR points, which most people believe have the highest value along with Amex MR points. I would say that most people who do travel, even just one or twice a year, could make good use of either Chase's own UR cards or their co-branded cards.
So yeah, if you don't travel, Chase doesn't really do much for you since their cash-back portfolio is okay at best. But if you're into travel rewards, Chase is typically a pretty good place to start. The ability to redeem points for 1 CPP or more for traveling through their portal also makes things easier for those who don't care to transfer points to airlines.
Edit: I do have a lot of Chase cards and I bank with them, but I don't work for them!
No doubt ,lol. I dont deny that and more power to you travellers
Haha, I totally understand what you're saying. I definitely lucked into Chase's system. Regardless, their system is very powerful. If one works hard to get into and then focus on the UR system, I'm sure it's more likely than not that s/he could end up with a couple trips paid completely with points. Now getting the time off? That's a different story...