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sapphire vs freedom

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afbar1114
Valued Contributor

Re: sapphire vs freedom

so it looks like i will be doing a pc from slate to freedom and getting csp or plain old CS...btw which is better.... insted of bce in a year if i can to have this combo...but if i dont travel as much does it still make sense?

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 11 of 44
SwiftTone
Valued Contributor

Re: sapphire vs freedom

Can you tell me why I can't open a checking account online when I'm out of Chase's footprint. I'm in Boston

 

I even called a Chase branch in  Manhattan and asked if they can mail me the paperwork, and Ill get everything notarized. Still said no. GRRR

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 12 of 44
afbar1114
Valued Contributor

Re: sapphire vs freedom


@SwiftTone wrote:

Can you tell me why I can't open a checking account online when I'm out of Chase's footprint. I'm in Boston

 

I even called a Chase branch in  Manhattan and asked if they can mail me the paperwork, and Ill get everything notarized. Still said no. GRRR


might be banking laws in each state is diffrent and one needs to have a branch in there state in order to open one?

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 13 of 44
Anonymous
Not applicable

Re: sapphire vs freedom


@Open123 wrote:

@Anonymous wrote:
I agree. I wish i had rolled with the freedom as opposed to the bce, just for the rewards link.

Right, with this combo, no reason to use my BCE anymore, really.


BCE is good for 2% at Amazon still (or BCP for 3%).

Message 14 of 44
clocktick
Valued Contributor

Re: sapphire vs freedom

What is the maximum amount of personal Chase cards one can have?

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 15 of 44
afbar1114
Valued Contributor

Re: sapphire vs freedom

Can i have the reg sapphire or do i need preferd
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 16 of 44
SamsungHDTV
Established Contributor

Re: sapphire vs freedom


@afbar1114 wrote:
Can i have the reg sapphire or do i need preferd

It's up to you which card you want. Go to chase.com and compare the two cards. Calculate your spending habits into they card rewards system and see if the AF is worth it for you.

Message 17 of 44
afbar1114
Valued Contributor

Re: sapphire vs freedom

It looks like you get more with prefered in regards to hotels and flights
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 18 of 44
SamsungHDTV
Established Contributor

Re: sapphire vs freedom


@afbar1114 wrote:
It looks like you get more with prefered in regards to hotels and flights

+ the 7% dividends. The sign up bonus 40K points worth $400 in cash or $500 in travel rewards pays for the card for 4-5 years. IMO I'd only get a card with an AF if my credit was bad, or I spend so much the advantages of an AF card pays for itself as compared to a no AF card.

 

EDIT: And the preferred has no foreign transaction fees, which is a huge convenience if you are travel outside the US

Message 19 of 44
Open123
Super Contributor

Re: sapphire vs freedom


@afbar1114 wrote:
Can i have the reg sapphire or do i need preferd


To transfer points, you need the CSP.

 

I'm not sure about the combo, but I'd bet the CSP is a pre-requisite.  The 10 points (up to 100 per month) on the Freedom with this combo will more than pay the fee for the CSP.  Not that hard to do, really.  Use it for coffee daily.  Pay your cable/phone bills in $1 increments.  That's an extra 12,000 UR points per year.

 

This will be my next set-up.

Message 20 of 44
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