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Wait for better CSP offer?

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flyingpenguin
New Contributor
‎08-10-2022 06:43 PM
‎08-10-2022 06:43 PM

Wait for better CSP offer?

The current CSP offer I see is 60K points after you spend $4K in 3 months, no waiving of the first annual fee. Should I go ahead and apply for it, or wait / hope for a better offer? (On it or CSR.) I see there was a better offer (80K points) in June, but I missed it. Smiley Sad I want the card because I'm planning to book some travel soon.

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SouthJamaica
Mega Contributor
‎08-10-2022 08:37 PM
‎08-10-2022 08:37 PM

Re: Wait for better CSP offer?

@flyingpenguin wrote:

The current CSP offer I see is 60K points after you spend $4K in 3 months, no waiving of the first annual fee. Should I go ahead and apply for it, or wait / hope for a better offer? (On it or CSR.) I see there was a better offer (80K points) in June, but I missed it. Smiley Sad I want the card because I'm planning to book some travel soon.

That's up to you.  But sometimes you can get a better offer at a branch.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




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Citylights18
Valued Contributor
‎08-11-2022 06:31 AM
‎08-11-2022 06:31 AM

Re: Wait for better CSP offer?

60k is the standard offer on the CSP and that is not a bad offer.

 

I guess it depends on your travel horizon. If you aren't planning a major trip you can wait to see if an elevated offer comes in. Typically some of the best offers are in Jan-Feb timeframe before people have bought summer travel.

Official travel point totals as of 10/21/24 (1,358,177 Total Points)
Chase Ultimate Rewards 696,884 | IHG One Rewards 144,957 | Hilton Honors 144,521 | AMEX Membership Rewards 102,729 | World of Hyatt 76,095 | Marriott Bonvoy 65,343 | Citi Thank You 38,153 | Choice Rewards 32,460 | United MileagePlus 13,316 | British Airways Avios 12,333 | Jet Blue TrueBlue 11,780 | Wells Fargo Rewards 2,858 | Southwest Rapid Rewards 2,447 | NASA Platinum Rewards 1,883 | AA Advantage 1,744 | Navy Federal Rewards 1,087 | Delta Sky Miles 175 | Virgin Atlantic Virgin Points 100 | Lowes Business Rewards 7,102 ($71.02) | Amazon Rewards 2,200 ($4.75) | Discover CB 10 ($0.10)
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flyingpenguin
New Contributor
‎08-11-2022 08:43 PM
‎08-11-2022 08:43 PM

Re: Wait for better CSP offer?

@SouthJamaica wrote:
@flyingpenguin wrote:

The current CSP offer I see is 60K points after you spend $4K in 3 months, no waiving of the first annual fee. Should I go ahead and apply for it, or wait / hope for a better offer? (On it or CSR.) I see there was a better offer (80K points) in June, but I missed it. Smiley Sad I want the card because I'm planning to book some travel soon.

That's up to you.  But sometimes you can get a better offer at a branch.

Thanks! Even if I don't have a banking relationship with them?

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flyingpenguin
New Contributor
‎08-11-2022 08:43 PM
‎08-11-2022 08:43 PM

Re: Wait for better CSP offer?

@Citylights18 wrote:

60k is the standard offer on the CSP and that is not a bad offer.

 

I guess it depends on your travel horizon. If you aren't planning a major trip you can wait to see if an elevated offer comes in. Typically some of the best offers are in Jan-Feb timeframe before people have bought summer travel.

Good to know, maybe I'll wait till then. Thanks!

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LawStudentCivilis
Established Contributor
‎08-12-2022 03:53 AM
‎08-12-2022 03:53 AM

Re: Wait for better CSP offer?

@Citylights18 wrote:

60k is the standard offer on the CSP and that is not a bad offer.

 

I guess it depends on your travel horizon. If you aren't planning a major trip you can wait to see if an elevated offer comes in. Typically some of the best offers are in Jan-Feb timeframe before people have bought summer travel.

I would disagree with the Jan-Feb time frame. I got the very tail end of the 100k offer some time last November. I personally wouldnt app for lower than their 80k offer. 

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Hoben02
Frequent Contributor
‎08-12-2022 09:33 AM
‎08-12-2022 09:33 AM

Re: Wait for better CSP offer?

Here this may guide your decision

 

https://thriftytraveler.com/news/credit-card/chase-80k-offer-all-about-competiton/

Chase (CSP,CF,CFU,southwest premier)
Barclay(jetblue, arrival)
Bofa(US pride, premium, travel, cash, Suzy komen)
Citi(Premier, Double cash, Costco)
Fnbo(Mlife)
Amex(everyday, cash, Hilton)
Blockfi
Caesars rewards
Sofi
Gemini
Cap One Savor One
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coldfusion
Credit Mentor
‎08-12-2022 10:03 AM
‎08-12-2022 10:03 AM

Re: Wait for better CSP offer?

@flyingpenguin wrote:
@SouthJamaica wrote:
@flyingpenguin wrote:

The current CSP offer I see is 60K points after you spend $4K in 3 months, no waiving of the first annual fee. Should I go ahead and apply for it, or wait / hope for a better offer? (On it or CSR.) I see there was a better offer (80K points) in June, but I missed it. Smiley Sad I want the card because I'm planning to book some travel soon.

That's up to you.  But sometimes you can get a better offer at a branch.

Thanks! Even if I don't have a banking relationship with them?

Yes, you can ask if they have an ongoing promotion for the CSP even if you don't currently have an account.  You can also keep an eye out for affinity links with enhanced offers that pop up on places like the CardMatch tool on creditcards.com

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
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ptatohed
Senior Contributor
‎08-13-2022 12:58 AM
‎08-13-2022 12:58 AM

Re: Wait for better CSP offer?

I don't see anything better on my Chase CPC portal right now.  Smiley Sad  

 

 

Capture.JPG

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
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:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // 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)
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Remedios
Credit Mentor
‎08-13-2022 08:32 AM
‎08-13-2022 08:32 AM

Re: Wait for better CSP offer?

@Hoben02 wrote:

Here this may guide your decision

 

https://thriftytraveler.com/news/credit-card/chase-80k-offer-all-about-competiton/

 

I would take that article with a grain of salt because "80K ain't coming back any time soon but it's great card, here is our referral link for current offer, go for it!" 

 

When I find a blogger who's getting paid for reviews (and referrals) who states "this card sucks, dont apply" before putting referral link, I'll buy whatever they are selling. 

 

And while some gently approach "cons", those "cons" are always minimized while "pro" is almost universally exaggerated. 

 

Read enough of that and every card becomes ideal. 

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