Which should I apply for? CSP or Palladium?

[pinipig523]

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@RhubarbPie wrote:
Yes, if you are flying in F or J, you will have lounge access.

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What is F or J?

[djrez4]

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@pinipig523 wrote:

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@RhubarbPie wrote:
Yes, if you are flying in F or J, you will have lounge access.

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What is F or J?

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I think it's time to call a spade a spade, here.

The questions that you've asked in this thread, while entirely legitimate, demonstrate that you're not really the target market for the Palladium, despite your net worth.  

I suggest that you'll be entirely happy with the Sapphire Preferred and that the extra $500 in annual fee for the Palladium is a waste.  You simply won't use the features of the card that make it (questionably) worth more than the CSP.

[jsucool76]

You are aware every visa signature card comes with concierge service, right? If that is your only reason for wanting the palladium you need to look around more.

[RhubarbPie]

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@djrez4 wrote:

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@pinipig523 wrote:

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@RhubarbPie wrote:
Yes, if you are flying in F or J, you will have lounge access.

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What is F or J?

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I think it's time to call a spade a spade, here.

The questions that you've asked in this thread, while entirely legitimate, demonstrate that you're not really the target market for the Palladium, despite your net worth.  

I suggest that you'll be entirely happy with the Sapphire Preferred and that the extra $500 in annual fee for the Palladium is a waste.  You simply won't use the features of the card that make it (questionably) worth more than the CSP.

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Glad someone said it...

F is first, J is business.

[bribro]

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@jsucool76 wrote:
You are aware every visa signature card comes with concierge service, right? If that is your only reason for wanting the palladium you need to look around more.

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To be fair, the J.P. Morgan concierge, at least in my experience, is vastly superior to Visa Signature's concierge. But I still don't think the Palladium is a good fit for the OP. You can make a good economic/financial case for the CSP, not so with the Palladium unless you really value the intangibles.

[CreditScholar]

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@bribro wrote:

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@jsucool76 wrote:
You are aware every visa signature card comes with concierge service, right? If that is your only reason for wanting the palladium you need to look around more.

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To be fair, the J.P. Morgan concierge, at least in my experience, is vastly superior to Visa Signature's concierge. But I still don't think the Palladium is a good fit for the OP. You can make a good economic/financial case for the CSP, not so with the Palladium unless you really value the intangibles.

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Does JPM have one concierge for all of their products (palladium, select, etc.), or is there a seperate/differentiated service for each?

[bribro]

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@CreditScholar wrote:

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@bribro wrote:

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@jsucool76 wrote:
You are aware every visa signature card comes with concierge service, right? If that is your only reason for wanting the palladium you need to look around more.

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To be fair, the J.P. Morgan concierge, at least in my experience, is vastly superior to Visa Signature's concierge. But I still don't think the Palladium is a good fit for the OP. You can make a good economic/financial case for the CSP, not so with the Palladium unless you really value the intangibles.

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Does JPM have one concierge for all of their products (palladium, select, etc.), or is there a seperate/differentiated service for each?

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The J.P. Morgan concierge is exclusive to the JPM Palladium card. As I understand it, they are a dedicated team at Circles that receive special training to handle J.P. Morgan clients. JPM Select uses the plan vanilla Visa Signature concierge, but they do have a dedicate team (like the Palladium and CSP) for customer service inquiries when you call the number on the back of the card.

[CS800]

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@bribro wrote:

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@jsucool76 wrote:
You are aware every visa signature card comes with concierge service, right? If that is your only reason for wanting the palladium you need to look around more.

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To be fair, the J.P. Morgan concierge, at least in my experience, is vastly superior to Visa Signature's concierge. But I still don't think the Palladium is a good fit for the OP. You can make a good economic/financial case for the CSP, not so with the Palladium unless you really value the intangibles.

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+ 1.

[jsucool76]

Would you pay $595 a year just to upgrade from the regular Siggy concierge to the Pd? Lol

[CreditScholar]

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@jsucool76 wrote:
Would you pay $595 a year just to upgrade from the regular Siggy concierge to the Pd? Lol

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I think it depends on how much $595 is for you, how much you value the service, and what the other alternatives are.