@randomguy1 wrote:Chase's trend has been nothing but increasing value with their cards, I do not anticipate them nerfing their cards or getting rid of the UR system for the CF/CFX.
There was that pesky nerfing of price protection, the two guest limit added to Priority Pass, no longer earning rewards on charges that qualify for the travel credit, and the $100 AF increase on the CSR. None of those exactly increased its value.
The rumor with axing UR transfers did start with a survey about Chase cards, so unfortunately it's not like they haven't at least considered it.
I'm kind of in a backwards situation from many others; the transfer capability makes it worth me having Freedom and Freedom Unlimited rather than it making CSP/CSR worth it. If that gets nixed, there wouldn't be much use for me to keep CFU, and CF (or a PC to CFF) would be a card seeing a lot of sock drawering; 7.5% net back is incentive for me to use it over other cards, but since the categories often overlap with ones where I am already getting 5% or more elsewhere, not much of a point.
@K-in-Boston wrote:
@randomguy1 wrote:Chase's trend has been nothing but increasing value with their cards, I do not anticipate them nerfing their cards or getting rid of the UR system for the CF/CFX.
There was that pesky nerfing of price protection, the two guest limit added to Priority Pass, no longer earning rewards on charges that qualify for the travel credit, and the $100 AF increase on the CSR. None of those exactly increased its value.
The rumor with axing UR transfers did start with a survey about Chase cards, so unfortunately it's not like they haven't at least considered it.
I'm kind of in a backwards situation from many others; the transfer capability makes it worth me having Freedom and Freedom Unlimited rather than it making CSP/CSR worth it. If that gets nixed, there wouldn't be much use for me to keep CFU, and CF (or a PC to CFF) would be a card seeing a lot of sock drawering; 7.5% net back is incentive for me to use it over other cards, but since the categories often overlap with ones where I am already getting 5% or more elsewhere, not much of a point.
I live alone, I have an income that puts me in lower middle class/upper lower class. This is to say, I don't have much additional frivelous spend as I would like. I have been banking UR's on both Freedoms for a couple of years now (had to withdraw CB when I got into a bind) but for me, it's a significant amount of UR's I have atm. I planned to transfer them with an app to CSP/CSR at a time when it made financial sense to do so. I have no travel cards in my profile because I travel ~1.5 times per year.
If they nuke the ability to transfer UR to CSP/CSR to use at an increased value, they will never get a penny from me for an AF. It would be sad to see happen but I have hope. At least I know I would be able to just withdraw as a statement credit at that point...or maybe use it in their portal for 5% back now? I'm not sure which would be a more financially savvy situation. I have often found hotels much cheaper off the UR portal than on it.
Must garden until 2/1/2022 to hit my goal AAOA. 
@Anonymous I was just about to post a Forum about this LOL looks like my Unlimited is included but mine starts the 13th! Wooot wooooot!!!
@Girlzilla88 wrote:@Anonymous I was just about to post a Forum about this LOL looks like my Unlimited is included but mine starts the 13th! Wooot wooooot!!!
I just got the same email 10 seconds ago. Changes are coming!! lol
@Anonymous Brace yourself!
@SecretAzure wrote:I live alone, I have an income that puts me in lower middle class/upper lower class. This is to say, I don't have much additional frivelous spend as I would like. I have been banking UR's on both Freedoms for a couple of years now (had to withdraw CB when I got into a bind) but for me, it's a significant amount of UR's I have atm. I planned to transfer them with an app to CSP/CSR at a time when it made financial sense to do so. I have no travel cards in my profile because I travel ~1.5 times per year.
If they nuke the ability to transfer UR to CSP/CSR to use at an increased value, they will never get a penny from me for an AF. It would be sad to see happen but I have hope. At least I know I would be able to just withdraw as a statement credit at that point...or maybe use it in their portal for 5% back now? I'm not sure which would be a more financially savvy situation. I have often found hotels much cheaper off the UR portal than on it.
The 5% would be earnings on Chase UR travel portal spend, rather than redemption value. So you'd be better off to charge the purchase to your card, then just take the statement credit at 1 cpp, if CSP/CSR bonuses were not involved. It's often mentioned that OTA (online travel agency) pricing (Expedia, Travelocity, Amex Travel, Chase UR portal, etc.) is more than booking elsewhere, but with the exception of rare sales I have never really found that to be the case. Usually the differences there are when the OTA shows a price inclusive of tax and other places do not. So if marriott.com for instance is showing $300/night for 7 nights at the St. Regis but Expedia is showing $384/night, the most likely scenario is that Expedia is showing the tax-inclusive rate whereas Marriott by default would not be including the 27% in state and local hospitality taxes (they recently added an option to show prices with all taxes and fees, which is a massive timesaver as I used to have to go all the way to the reservation screen to make apples to apples comparisons between properties). At the end of the day, it might look like booking direct will save you $588 over the course of a week, but in reality the price is the same. That often comes into play when people discuss the value of Marriott points; award stays include all taxes and fees, so valuing of the points should be based on the full price including taxes and fees rather than the base room rate. There are some exceptions where an OTA will actually be less, however. Amex Insider Fares will result in airfare (usually Delta) being less than anywhere else, including directly with the airline. Unfortunately, I never seem to get those on the flight schedules I actually want and saving 5-10% isn't worth me changing my plans.