Why is getting in with Chase so important?

[Anonymous]

Chase has lots of good Travel cards. I want in for Chase to get that 100k sign up for CSP because I can put those points to use for a 2018 Maldives trip. Other than that, their transfer partners don't help me too much at the moment so UR points aren't worth much to me. Go with what works for you! 

[Anonymous]

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@Anonymous wrote:
Anyone think Delta will drop Amex and move over to Chase?

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I doubt it and I hope not. Lol

[NRB525]

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@Anonymous wrote:
Anyone think Delta will drop Amex and move over to Chase?

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No.

Delta just re-upped their contract with AMEX in 2015,extending it for another 6 years beyond what the contract expiration was. There are three major carriers in the US; Delta, AA, and United, and each has a co-branding relationship with different bank than the other. (SW is not really an international, global carrier).

The more plausible scenario would have Delta going to BofA, US Bank or {shudder} Barclays, but those are outlier possibilities. The AMEX brand among travellers is still quite good.

[Blackbeauty212]

While I personally don't lust after Chase products. Amazon is my only Open Chase CC. I do feel like Chase has stolen some of AMEX's "Prestige" 

I feel like AMEX and Chase are 1 for 1 on product offerings and AMEX does see Chase as its direct competitor at this point. Look at how they're planning to re-tweak the Plat in response to the popularity of the CSR. 

AMEX / CHASE 

Centurion / JPM Palladium 

Platinum / CSR 

PRG / CSP 

BCE / Freedom 

ED / FUL 

Green / ?????

???? / Slate 

[Kevin86475391]

For people who want travel rewards, I'd say Chase and Amex are the undisputed winners thanks to the value of their UR and MR programs respectively and the ability to accumulate points with multiple cards as well as the value and flexibility of redemption and their travel partners.

However, even as someone who doesn't travel AT ALL and only does cash back, I do still quite like Chase. I love the original Freedom for 5% on rotating categories. Do I use it after I hit the quarterly cap or for non-category spending? Nope, I switch to a flat 2% card or a different 3-5% card if one is available for that category. But I also really like category spending and prefer to organize my finances this way anyway. Some people prefer to consolidate spending on 1 or 2 cards for simplicity. For me, even if rewards weren't a factor at all, I'd still rather spread my spending out accross a lot of accounts because that's how I like to budget and organize my finances.

Rewards aside, Chase does offer nice signup bonuses and generally has outstanding customer service in my experience. For me they're also my primary deposit bank, so it's just convenient.

I don't care about APRs since I PIF, don't need CLIs so don't care about their HP policy, and also don't apply for new cards very often so 5/24 would never be an issue. So basically none of their usually cited drawbacks apply to me, making Chase a personal favorite.

Definitely it depends on your personal situation, priorities, and preferences though. Don't just try to get in with Chase because you think you ought to because it's 'the thing to do' or something.

[DrZoidberg]

I'm curios as to why OP and others think the 5/24 is a hassle or something hard to accomplish. 5/24 is pretty generous once you are established. It's not that hard of a task and I'm sure majority of people fall under that rule.