What updates do you hope to see with CSP/CSR revamp?

[coreysw12]

Realistic answers only, please

With the recent CFF/CFU updates, many are speculating that a Sapphire revamp is in the works and will be announced soon. What kinds of changes are you hoping to see?

Here are a few of my hopes:

1. Bring Disney back to the UR travel portal
2. Points bonus (in quantity, not just value) for transferring UR points to Sapphire from other cards (eg, 1 point from CFF becomes 1.25 points on CSP)
3. 3x/4x dining on CSP/CSR respectively
4. Permanent groceries and Gas categories
5. Permanent Doordash and Lyft perks

[TSlop]

I could see CSR bumping to 5x and CSP to 4x, since Capital One has 4% on their $95 Savor. But maybe the extra bonuses for redeeming on the travel portal might keep it to 4x/3x.

I would like to see another permanent category added like you suggested. I am taking full advantage of gas right now on my CSP, but that will end in a couple more weeks.

[wasCB14]

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@TSlop wrote:

I could see CSR bumping to 5x and CSP to 4x, since Capital One has 4% on their $95 Savor. But maybe the extra bonuses for redeeming on the travel portal might keep it to 4x/3x.

I would like to see another permanent category added like you suggested. I am taking full advantage of gas right now on my CSP, but that will end in a couple more weeks.

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7.5% (5x * 1.5 cpp) in "UR travel cash" on all travel and dining, without any cap or category narrowing, would seem unlikely.

I'm a little surprised the 1.5 cpp feature has lasted this long. I think it's vulnerable. That or pooling URs with other cards may go before long.

I'm pretty happy with my Amex+BofA focus. Not rushing back to URs anytime soon (apart from simple 5% cash back on my Freedoms).

[coreysw12]

Another one I just thought of:

• 7x/10x for travel purchased with a CSP/CSR on Chase portal (versus the existing 5x on Freedoms)

[wasCB14]

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@coreysw12 wrote:

Realistic answers only, please

With the recent CFF/CFU updates, many are speculating that a Sapphire revamp is in the works and will be announced soon. What kinds of changes are you hoping to see?

Here are a few of my hopes:

1. Bring Disney back to the UR travel portal
2. Points bonus (in quantity, not just value) for transferring UR points to Sapphire from other cards (eg, 1 point from CFF becomes 1.25 points on CSP)
3. 3x/4x dining on CSP/CSR respectively
4. Permanent groceries and Gas categories
5. Permanent Doordash and Lyft perks

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At one point, Chase sent a survey to some customers asking their opinion on making just the opposite change: https://ficoforums.myfico.com/t5/Credit-Cards/Possible-changes-coming-to-the-Chase-UR-program/m-p/50...

5x on Freedom would become 3.33x on CSP/CSR....but gain transferability.

Amex manages to provide a lot of bonus categories, but...

- Cash and travel cash redemptions are weak

- Credits are harder to use than Chase's $300 annual travel credit

- Total AFs are significant if someone has a Gold+Green+Platinum

Citi is AFAIK getting rid of the 1.25 cpp feature on Premier.

[coreysw12]

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@wasCB14 wrote:

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At one point, Chase sent a survey to some customers asking their opinion on making just the opposite change: https://ficoforums.myfico.com/t5/Credit-Cards/Possible-changes-coming-to-the-Chase-UR-program/m-p/50...

5x on Freedom would become 3.33x on CSP/CSR....but gain transferability.

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Oof. That would not be good.

I think that any updates they do will overall be for the better, since the way things are currently (with the new Freedom revamp) there's already not much incentive, besides travel benefits which are largely useless at the moment, for most people to get (or keep) a Sapphire instead of a Freedom. So hopefully they don't go this direction, and instead do something for the positive.

[Anonymous]

I wouldn't mind seeing the CSP go to 4X on Dining & Travel, then i'd seriously consider finally closing the Gold card. However, I would hope that the AF does not increase, or at least not much. 

[coreysw12]

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@Anonymous wrote:

However, I would hope that the AF does not increase, or at least not much. 

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I'd be ok with AF increasing as long as we also get new roughly-equivalent-in-value annual credits.

For example, if they bump the CSP AF to $145, but offer an annual $50 travel credit, that'd be ok with me. They seem to like to offer those kinds of AF offsets, so it wouldn't surprise me to see more of that.

[UpperNwGuy]

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@coreysw12 wrote:

Realistic answers only, please

With the recent CFF/CFU updates, many are speculating that a Sapphire revamp is in the works and will be announced soon. What kinds of changes are you hoping to see?

Here are a few of my hopes:

1. Bring Disney back to the UR travel portal
2. Points bonus (in quantity, not just value) for transferring UR points to Sapphire from other cards (eg, 1 point from CFF becomes 1.25 points on CSP)
3. 3x/4x dining on CSP/CSR respectively
4. Permanent groceries and Gas categories
5. Permanent Doordash and Lyft perks

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1.  This is realistic.

2.  Absolutely and unequivocally not realistic.

3.  This is realistic, but if it happens #4 won't happen.

4.  This is realistic, but if it happens #3 won't happen.

5.  This is realistic (although I hate to see it, because I despise merchant-specific perks on bank cards).

[UpperNwGuy]

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@coreysw12 wrote:

Another one I just thought of:

• 7x/10x for travel purchased with a CSP/CSR on Chase portal (versus the existing 5x on Freedoms)

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Absolutely and unequivocally not realistic.