💲 Download MaxRewards: maxrewards.app.link/spencer (Code: SPENCER)

@elliottnixon-wq6sp

9 ай бұрын

Possibly silly Sponsor question, but if you’re an authorised user on someone else’s card, can you still see that card on your MaxReward account?

@woodzy883

9 ай бұрын

I'll try it again. I had it for a while but just found ease of use and accuracy was really lacking. Especially with non amex vendors

@SpencerJohnsonOfficial

9 ай бұрын

That's a great question! I would have to ask them about that since I don't have any experience with it. I imagine if it shows up in your account with the lender, MaxRewards would recognize it too, but I can't say for certain.

@SpencerJohnsonOfficial

9 ай бұрын

With the transition between connectors, there are still gonna be some hiccups (like Chase rn for a lot of folks). However, that's exactly what they're working on with the new version of the app. If you want direct support, their help page in the app will direct you to the right place! But if that doesn't work, reach out to me through Discord and I can send you in the right direction.

Anyone that is constantly traveling the CSR is a no brainer. It pays for it self. My friend paid his whole 2 week honeymoon in France, and airline tickets with points from CSR.

I've always really liked the clean look of the Sapphire Reserve, and yours certainly didn't disappoint. It definitely makes a lot of sense in your situation why you applied for the CSR, especially with the lounge access most closely aligning with the options that you have in Austin, at your home airport. Great video as always Spencer!

@SpencerJohnsonOfficial

9 ай бұрын

I agree Matt! The CSR design is definitely one of my favorites right now. And the fact that the card gives me a lot of positive value is obviously the most important thing so it's good I'm covered on that front. Thanks for watching!!

As someone who doesn't have the CSR but is constantly mulling over whether to upgrade to it from my CSP, I look forward to following your experience with the CSR!

@chijason6630

9 ай бұрын

I don't have either, though I do have a Venture X card that I got in September 2023 with an elevated 90k SUB (which I recently hit). I am looking to apply for the CSR within the next month since I plan on traveling on two 2-2.5 week vacations (one trip from Chicago to Europe round-trip business class, one domestic trip) next year and in 2025. I am a frequent Lyft user and would get at least $100 in value from that credit alone based on my annual spend. Having access to the Lyft bikes (Divvy in Chicago, Citibike in NYC, etc.) is also a nice perk. If I spent $5000 on travel through the card directly from the airline/hotel (reasonable with the business class flights), I would hit the $105 in extra value w/TPG's valuations based on 2.05 cents/point and the 3x multiplier. Add in the Priority Pass restaurant access (in case the lounges are overcrowded), and I would easily recoup the $205 extra in annual fees (w/CSP hotel credit) between the cards, and would probably gain around $25-$100 in value for the CSR with those credits alone. The Venture X is definitely a great card on it's own, as the 2x in miles on regular spend is great for non-bonused categories, and the card is basically free (even paying you money) with the $300 travel portal credit and 10k miles anniversary bonus. The only way I would lean more toward the CSP is if the SUB is significantly higher - right now, my local branch is offering an in-branch CSP SUB of 70k w/$6,000 in spend over 6 months (60k w/$4,000 min. spend over 3 months), while the CSR SUB is the standard 60k w/$4,000 in spend over 3 months. The banker did mention that Chase usually offers an upgraded in-branch SUB over the Thankgiving/Christmas season, so I am holding off on applying for a few more weeks.

@SpencerJohnsonOfficial

9 ай бұрын

That's what I'm hoping to provide folks, so if you ever have questions about it, let me know!

@newagain9964

7 ай бұрын

No need to upgrade. Keep csp

The card is solid asf! I also upgraded it from the Preferred just in time for all the Priority Pass lounges and restaurant access I needed on my trip to Europe.

@SpencerJohnsonOfficial

9 ай бұрын

I agree!! And that sounds like a great use case for the CSR. I hope you've enjoyed it!

@germananditravels

8 ай бұрын

@@SpencerJohnsonOfficial definitely, it's been very handy!

Congrats on the CSR Spencer! Looking very sleek and great to see that nice healthy credit limit! I think it fits quite well that you have the most premium Chase card (for typical people) since you always talk about them on your channel. Hope to see you in an airport lounge real soon!

@SpencerJohnsonOfficial

9 ай бұрын

Thank you sir!! I definitely like the look of this card. And the new limit definitely helps too! I'm glad you think this card addition pairs well with the brand too. That was another deciding factor for me for sure. And all the pictures of the lounge were from my recent visit, so I'm already putting the card to work!

You're really making me want to upgrade as well. If there was a Sapphire lounge at JFK terminal 4 it would be a no brainer. Always happy to see a new upload from you.

@SpencerJohnsonOfficial

9 ай бұрын

Haha if you get positive value from it, it could make a lot of sense!! I'm excited for them to release more Sapphire lounges for sure. Thanks for the support as always!

@stevenduckworth2037

6 ай бұрын

They just opened one at terminal 4 lmao

@rmknicks

6 ай бұрын

@@stevenduckworth2037 Yep, I upgraded and I'll be there in 10 days

Welcome to the CSR club, Spencer! I also recently product changed my CSP to CSR. First ever premium credit card. I wanted to check out the lounges access how it works and get the $300 travel credit reimburse for my summer trip 2024. I activated the priority pass on the app and it took 2 weeks to arrived. Everyone I knew got the CSR in 2016 except I didn't churn at that time. Now I got the CSR, all the people I knew got the Venture X.

@SpencerJohnsonOfficial

9 ай бұрын

I appreciate you Thi! That sucks your PP card took so long to come in. Mine was just a few days. Definitely would have been nice to pickup the CSR back in 2016, but hey, at least you get use out of it now!!

I have a plan, I just got a CSP last month, I’m going to hold it for 48 months, then transition to the CSR and get another SUB. But I’m glad you did this, it gives me a long time where I can watch you use/optimize the CSR.

@geraldalves9107

9 ай бұрын

Same, I was going to pick up the CSP next month with a pre-selected 80k offer, downgrade after 4 years, then get the CSR with another SUB.

@curmudgeonextraordinaire1884

9 ай бұрын

You can’t transition from the CSP to the CSR and get the SUB. You either have to PC the CSP to a Freedom card and apply fresh for the CSR or cancel the CSP and do the same.

@SpencerJohnsonOfficial

9 ай бұрын

That's the way to do it! Lock in a high offer on the CSP, product change to the CSR after a year or two if you think it'll give you more value, after 48 months, downgrade the Sapphire card to a Freedom card and reapply for another Sapphire. Also, thanks for being the third commenter on this one! 🥉

Would be curious to see a video of you booking Southwest flights via the CSR as SW is further devaluing their points and the CSR would have a higher CPP. However, SW does not show up in the portal to book and I've heard that you have to call customer service /travel portal reps to book SW flights

I’m a Bonvoy boy so I’m in love with the CSR’s little co brand brother, the Ritz card. Free night awards swallow the annual fee better than credits in my spending habits. But the CSR is definitely good if you’re not madly in love with one brand like me.

@SpencerJohnsonOfficial

9 ай бұрын

Having the CSR and the Ritz card would definitely be a difficult setup to justify, but I think the Ritz is a super solid option on its own! I'll likely try out both, so I'll be updating y'all on that journey. Hopefully I'll love Marriott as much as you! 😉

CSR!!! Nice! Thanks for the info + video.

@SpencerJohnsonOfficial

9 ай бұрын

You know it! Thanks so much Jimmy!

Will be watching this journey very closely as the CSP or the CSR are on my short term radar. 🎯

Can you please make a video about the csr hotel collection and the benefits of it. Thinking about product changing my csp to the csr, but I’m not sure yet

My player 2 just got the CSP due to an elevated bonus. We will upgrade next year to the CSR. You made a great point of tailoring your cards to your home airport. The CSR will be great for us in Boston to always have a nice lounge. Luckily the VX can get us in once a year for now. Enjoy the card!

Awesome video as always. Like I mentioned earlier, I think for my current spending and circumstances, the Venture X is the right card for me, but I can see the CSR being perfect and replace my VX if only they either revamp or update the card with more benefits or if Priority Pass gets significantly better in Denver, where I am based.

@SpencerJohnsonOfficial

9 ай бұрын

Thanks so much!! I definitely think the VX fits your needs the best right now, but it's always worth keeping others in mind too!

Bilt sends you a metal card with no annual fee in a fancy slide out box. $550 annual fee highest tier Chase card comes in an envelope rubber glued to a piece of paper. Doesn't matter in the end, but first impressions say a lot too though.

I’m rocking that Chase Amazon Prime Card😂 because I’m addicted to Amazon😔😂

@SpencerJohnsonOfficial

Ай бұрын

Hahah it’s a solid cashback card for sure!

Congrats on that awesome card. As a travel card it does have decent multipliers and you can definitely benefit from having it. If I was to ever part ways with my Platinum the CSR is the one I would get. Great vid Spencer 💥

@SpencerJohnsonOfficial

9 ай бұрын

Thanks so much Mike! I'm excited to share more about my experience with y'all on the channel soon!

@clausellray3949

8 ай бұрын

Great video Spencer thanks for sharing question so since you product changed no SUB will you be able to reapply for the CSP in 4 years?

@SpencerJohnsonOfficial

8 ай бұрын

No problem at all! Since I applied for the CSP in January of 2022, I'll be able to reapply for either Sapphire card come 2026. The product change doesn't impact that welcome bonus eligibility which is nice. @@clausellray3949

Great video as usual! I do wonder how you would upgrade your priority pass if you already had a membership with another card? I am looking to product change to the CSR and currently have priority pass with the Venture X? Btw, if you are thinking of doing a CLI type of video in the future the Venture X is giving out huge increases. I had mine for not even 4 months and C1 doubled my CL from 20,000 to 40,000.

@rmknicks

9 ай бұрын

You'll get a separate PP card with a different membership number. So you will have two PP cards and accounts.

@steve_rogers_usmc1990

9 ай бұрын

Awesome thanks for the reply! @@rmknicks

@SpencerJohnsonOfficial

9 ай бұрын

Thank you Steve! As mentioned above, they basically created a whole new PP account for me associated with my CSR so now I have two that give me different levels of access. As for the CLI vid, I did include the VX, but I'll say I did not get anywhere near as lucky as you!! 😆

Good upgrade! By far my favorite travel card in my setup

@SpencerJohnsonOfficial

9 ай бұрын

Thanks so much! It's becoming the same for me for sure!

Max rewards has been screwed up for a month for me. It will not sync my Chase cards. And now it has doubled my Citi card. So pretty much every bit of information in it is wrong.

@SpencerJohnsonOfficial

9 ай бұрын

With the transition between connectors, that's been the case for a lot of us. However, that's exactly what they're working on with the new version of the app. If you want direct support, their help page in the app will direct you to the right place!

I love my CSR. I get my money's worth, but I'm also honest enough to admit it's my own little personal flex.😂

@SpencerJohnsonOfficial

9 ай бұрын

Haha I completely get that! The important thing is that you're getting positive value. All the rest is icing on the cake!

When does the annual fee hit you the first statement or second statement?

I never would’ve thought I’d be paying a $625 annual fee for this card yet here I am 🤣. I always just assumed it wasn’t worth it for me but the more I watched and looked into it I’m actually able to get a ton of value out of the CSR

@druiz012

9 ай бұрын

Lol. I was about to comment on the $625 but then I realized I'm paying $625 too. 😂😂😂... totally worth it though with 2 kids for both my wife and I to have the CSR.

@SpencerJohnsonOfficial

9 ай бұрын

It's one of those cards that we often overlook for sure! I'm excited to see how much value I get out of it too. Time will tell!

do you still get the welcome bonus points on Reserve if you just upgrade from the preferred?

Does the sapphire reserve feel heavier than the sapphire preferred or just stiffer?

I’m still trying to figure out if I want to go for venture x or CSR. I’m in both banks but I’m leaning towards venture for the lower AF and 2x on everything.

They really need to step up their lounge locations. There are only like 4 open locations and one isn't even in the U.S. I live in Dallas and the fact there isn't one here is keeping me from upgrading.

Super helpful breakdown as always! Thanks Spencer

I’m really thinking into getting the CSR, I have currently the CSP and the chase freedom unlimited and I have accumulated around 245K chase points so far that I have never used yet. Thinking about getting this one to boost my points at 1.5. Great video as always, please make a video if you visited the chase terrace lounge at Austin airport, I frequently travel from there!

Great unboxing brotha! It looks much better when compared to the CSP! I had the same background the CSP have when they took my kindergarten picture in the 80s😂

@SpencerJohnsonOfficial

9 ай бұрын

Thanks so much Cesar! And I feel you haha. That CSP design definitely looks like a bit of a blast to the past haha 😂

Welcome to the Big Boys Club!!! 😎

I currently have the CSP and will be upgrading to the CSR when Chase opens their Lounge here at Phoenix Sky Harbor International Airport. We fly 6-12 times a year so it makes sense for us to upgrade.

@SpencerJohnsonOfficial

9 ай бұрын

That's awesome! That'll be perfect for you for sure. I'm excited to hear how you like it.

I’m excited to hear your feedback on the CSR. I recently got the CSP and I’m ready to use it. It’s been recommended that I should get the platinum card as well. But I cannot justify getting it if I can’t use most of the benefits. Excited to learn about your experience with the card.

@SpencerJohnsonOfficial

9 ай бұрын

I'm excited to share that feedback with you! I definitely wouldn't get any card that you won't get positive value from. While the Platinum is great, it isn't for everyone, so definitely continue weighing your options!

This card has a limit over 10K right?

I had the CSR put changed it to the preferred because my vacation was canceled back in the summer. And I had a financial issue at the time. But my backup plan is to product change back to the CSR if I don’t get approved for the venture X next year. Since I have a vacation to NC that is very likely to happen.

@SpencerJohnsonOfficial

9 ай бұрын

That's completely fair to do! I would have recommended you did the same most likely. I'm excited to hear about which card you end up getting though so continue to keep me updated!

@jeffreyplatt7703

9 ай бұрын

@@SpencerJohnsonOfficial yeah man for sure. I need to be approved by march so I can book the trip. Recently got approved for the chase Amazon card $10,000 limit.

Though this card is really underrated, when you break it down to other premium travel cards, this card always seems to either top or second the list. The main thing that takes away from this card is the preferred is really powerful in its own right and this one doesn't really add to much to that other than the ease of use travel credit. All in all it is a great pick up

@SpencerJohnsonOfficial

9 ай бұрын

That's completely fair! It all depends on your use case really. If you'll never visit a Sapphire lounge, wouldn't use the 50% point redemption boost, or use anything but the $300 travel credit, there are much better options. But for my use case it definitely works!

Definitely easier to justify than the Amex Platinum for me. Maybe one day I'll get the Platinum but for now I'm doing super well with 2 main ecosystems. (Plus racking up Citi points but without yet a transfer partner card) This card design is my favorite. Simple, sleek, strong.

@SpencerJohnsonOfficial

9 ай бұрын

That's completely fair! It really all depends on your use case. The CSR is likely the best premium travel card option for me right now and the fact that I could get it without impacting my 5/24 status really helped sell me. I love the design of it too! Thanks for being here as always man!

Hi Spencer. I also recently upgraded to Reserve and live in Austin. Disappointedly, the Chase Sapphire Terrace Lounge opens @ 1000. Dunno when I'll get to use it. Normally travel on the first/an early AM flight. Don't believe there r any PriorityPass lounges in ABIA. Flew from Newark this week. Priority Pass lounge access is in Terminal B. Typically, I'm in/out of A & C.

@SpencerJohnsonOfficial

9 ай бұрын

Hey there! Yeah, I know a lot of folks don't like how late it opens. I generally travel on the cheaper flights too, but a lot of times the later flights make much more sense for me and I'll get use out of it then. There are no PP lounges in AUS which is tough for sure.. that's why the Sapphire lounge access is a big reason I wanted the CSR!

I'm super stoked you got the card. I'm looking to upgrade my CSP and would love to see your experience with the Reserve especially since I live in Austin as well

@SpencerJohnsonOfficial

9 ай бұрын

That's awesome to hear man! I'm super excited to share my experiences with y'all, and I've already started using the benefits (like the Sapphire terrace lounge) so hopefully my future videos are really helpful with that experience!

@jjvalles7

9 ай бұрын

@@SpencerJohnsonOfficial love to hear it! Can’t wait for the content coming up

Very thorough review thank you

I’m originally from Austin (Round Rock) so I fly back often to visit family. I didn’t know about that lounge until after I opened the Venture X. 😭 lol. Oh well. Next time I’ll go to the Reserve. My new home airport in Orlando, so at least I have two Priority Pass lounges here. 😊

@SpencerJohnsonOfficial

9 ай бұрын

Oh awesome!! The Sapphire Terrace lounge is great for what it is, but definitely not anything insane. I'm glad you have some access in your home airport with your VX though!!

I thought about upgrading my preferred to the reserve mainly for the sapphire lounge opening in phoenix and full priority pass (restaurants included) but I think I’ll keep the preferred and get the ritz Carlton as it provides the lounge access, still has a decent travel credit, a free night, and the same insurances for a cheaper price. I have global entry from the Venture X so that’s my plan

@SpencerJohnsonOfficial

9 ай бұрын

That's fair! Having access to that Sapphire lounge would be nice, but if you don't think you need it then that perk isn't as valuable to you at all. Sounds like you have a solid setup for your use case right now!

Did you get the sign-up bonus with the upgrade?

Slick card, congrats again! Definitely want the CSR! I can’t wait to upgrade from the CFU next year. If I upgrade (product change) to the CSR, do I have to keep it a year before I can downgrade again? I’m at 5/24 but won’t be in 2025, so just wanting to time it out! Love your content! - Ivan

Great video! I have the CSR and AMEX Gold which I think is a decent combo. Could you make a video of how you balance using both of them in your setup? They have travel partners that overlap which is great for me to transfer UR and MR points. Thanks! I’m also in the Austin area!

@SpencerJohnsonOfficial

9 ай бұрын

Thanks so much man! I'll definitely need to make a follow up about how I utilize all these high annual fee cards in my setup. That's great to hear you're in the area too! Maybe I'll see you around!

Nice video. I love the benefits. Only complaint is that the Reserve card's design / appearance makes it the most boring credit card in the world. Hands down

They must have updated the card design recently I received my CSR about 8 months ago and the chase Logo and the “Sapphire Reserve” are NOT engraved and just flat, also the lettering for your name is much easier to read and in a larger font.. getting a new one mailed now!

@jcom456

8 ай бұрын

They did in fact update this card recently (past 6 months) the metal they use now is slightly thicker and more difficult to bend. Weighs slightly more, & is now engraved. Very nice!

Request expedited delivery. My CSP/CSR conversion is taking forever to arrive.

Do you get the promotional points bonus when upgrading?

@Aguynearu

5 ай бұрын

No

Warning: Did any of you dear cardholders actually try to use Chase Sapphire Reserve card's benefits? Such as car rental insurance? Please share your experience. I did and it was a nightmare. My claim was for a low dollar amount, but if you think you get decent insurance up to $75K, you better think again. Don't let the nice feel of holding thick, metal card fool you.

Have any idea on requirements to get approved for this card?

I love my CSR so far. It’s literally a $250 annual fee premium card since you get your $300 back from the $300 travel credit. I’m trying to figure out the best way to use the $300 travel credit annually. I think I’m going to use the $300 travel credit with the free night certificate on the WOH card for a nice two night stay at Hyatt💫

@SpencerJohnsonOfficial

9 ай бұрын

That's awesome to hear man! That's a solid use case for the $300 travel credit. For me, I'm pretty sure I'll use all of that pretty instantaneously with stuff like airport parking, rental cars, etc. so I probably won't even have a chance to use it later in the year. That's a good problem to have though! 😆

Beautiful card. CONGRATS!!!

@SpencerJohnsonOfficial

9 ай бұрын

Thanks so much Dannee! Looks great in the Apple Wallet 😉

@ImStillStealingSteel

9 ай бұрын

@@SpencerJohnsonOfficial - Do I smell another “what’s in my apple wallet?” update vid?

I’ll have to figure out what I’m going to do next year with the two Sapphire Preferred cards in my household. I’ve been thinking about upgrading one of the them to the Sapphire Reserve but I’m not sure about that yet

@SpencerJohnsonOfficial

9 ай бұрын

That'll be a fun decision to make! You could definitely upgrade one and downgrade the other to go for more welcome offers on it, but it all depends on your personal goals.

I like how the name is printed on the CSR as opposed to the CSP. I have the CSP and it looks kind of crappy the was it’s done.

@SpencerJohnsonOfficial

9 ай бұрын

Agreed! It's a much better design in my opinion.

I got the CSR and love it!

@SpencerJohnsonOfficial

9 ай бұрын

That's awesome to hear man!! I'm excited to get some use out of it myself!

Let’s Gooooo! Congrats again on the card. My only worries is how to lessen that $250 effective AF after using the $300 travel credit. Let’s say I use the Dashpass credit ($180… 120 membership+ 60 monthly credit) and use the full experience credit of $100 from LHRC…. Is it safe to say the card will pay me $30? Thanks!

@billwright2176

9 ай бұрын

Chase as other card issuers, has random statement credits. We have received about $100 from those this year also. Pretty nice seeing a resturant or gas station you use offering between 5% to 20% for a purchase I'm making anyway.

@SpencerJohnsonOfficial

9 ай бұрын

Thanks man! In reality, the credits aren't what I'm banking on to make back the $250 effective annual fee. One trip a year through the portal will likely effectively make up that value for me, but the lounge access already pushes me over that threshold before that in all honesty. It just depends on how much you value those things and how much you'll use em!

@torrencesorrell5441

9 ай бұрын

@@SpencerJohnsonOfficial great point! So if I was to book a flight valued at $250 in the portal with 16666 worth of pts (from the 50% boost) That will essentially take down that effective AF? Or is my math not mathing lol

So not going to apply for the platinum anytime soon i guess since U already have that $550 AF card. Hard to justify having both $550 + $695 at the same time

@SpencerJohnsonOfficial

9 ай бұрын

Well it completely depends on the person. I talked more about that in the video on the end card of this one though!

When you do a product transfer from CSP to CSR were you able to get the SUB after the 2 year period?

@curmudgeonextraordinaire1884

9 ай бұрын

No. First it’s 4 years, not 2. And it has to be a new application, not a product change.

@SpencerJohnsonOfficial

9 ай бұрын

As mentioned above, you can only get a Sapphire bonus every 48 months, but when that time comes for me, I'll downgrade to a Freedom card and then reapply for a Sapphire card for its bonus.

Let's gooo!! Welcome to the other side

@SpencerJohnsonOfficial

9 ай бұрын

Haha thanks Bob! Stoked to be here 😉

I'll get this card when I'm ready.

@SpencerJohnsonOfficial

9 ай бұрын

It's important to not rush it!

I have the chase trifecta with preferred. Is there anyways to get the reserve with bonus? I’ve had the preferred for over 6 years now

@chijason6630

9 ай бұрын

There are rarely elevated SUBs with the CSR - the last publicly-available one was 80k in October - November 2022. To get the standard 60k SUB, you would have to downgrade the CSP first to a no-fee Chase card (i.e. Chase Freedom Unlimited, Chase Freedom Flex) before applying separately for the CSR.

@SpencerJohnsonOfficial

9 ай бұрын

The comment above really summarized it perfectly! In general, people apply for the CSP over the CSR because it has higher elevated offers, and you can get the bonus on a new Sapphire card every 4 years. You just have to downgrade your current Sapphire card before doing that. Also, just be aware that if you reapply for the CSP, you won't be able to product change to the CSR for a year. If you want to go straight to the CSR you can definitely do that, you'll just have to stick with the 60k bonus most likely.

@chijason6630

9 ай бұрын

@@SpencerJohnsonOfficial I am looking to apply for either the CSR or the CSP within in the next few weeks, as I plan on buying round trip business-class tickets by the end of the year from Chicago to the Netherlands for a 2-2.5 week trip next summer. I enjoy flying long-haul trips in business/first class, and that purchase will knock out at least 90% of the $4,000 minimum spend (if not 100%) I have vacation time saved up as well, and plan on spending 2-2.5 weeks as well in the US Southeast, visiting Atlanta, New Orleans, and Memphis, flying economy/premium economy to Atlanta and using Amtrak's City of New Orleans train for the segments from New Orleans to Memphis and Memphis to Chicago (and possibly the Crescent from Atlanta to New Orleans). I already have the Venture X card, so the CSR vs. CSP additional benefits come down to: - 3x vs. 2.1x on travel (factoring in anniversary bonus) - 10x vs. 5.1x on Lyft + Lyft Pink membership - Priority Pass restaurants and spas (not included with Venture X) - Additional insurance protections (not factored into calculations) With the business-class flights and other travel, I will easily hit $5,000 in spend, netting me at least $92.25 extra in rewards points with the CSR, factoring in the CSP anniversary bonus (effectively 2.1x on travel with CSP) vs. the 3x on travel with the CSR. I also use Lyft a few times per month, and spend about $50-$60/month, so with the Lyft Pink membership, I would save $30 @ $600/year with the 5% discount, and earn an additional $60.27 in points at 10x vs. 5.1x on CSP, netting me just over $90. I also use Divvy occasionally, which is a bikeshare network owned by Lyft. I would value the Lyft Bikes/Divvy membership at $30, as using the free classic bikes would save me from having to call 1-2 Lyfts/year when the bus doesn't show up as schedule. My total net from the Lyft Pink would then be around $120. Just from those two categories alone, I would get an extra $212+ out of the CSR vs. the CSP. Factor in one airport restaurant visit @ $28 at a Priority Pass restaurant (if the lounges are at capacity, which seems to be more common), and the minimum of $240 in value > $205 in differences in annual fees ($250 w/CSR, $45 w/CSP & hotel credit). The CSR seems like a good choice for my needs, if the SUB is equal to the CSP. The CSP tends to have elevated bonuses more often - right now, my local Chase bank branch is offering a total SUB of 70k w/$6,000 of spend over 6 months on the CSP (60k w/$4,000 of spend over 3 months, w/additional 10k for total $6,000 of spend over 6 months), while the CSR is the standard 60k w/$4,000 of spend over 3 months. Given that the value I would get with the CSR is only slightly more than the CSP per year, an additional SUB of 10k miles on the CSP (roughly $205) would be more than sufficient to get me to sign up for the CSP over the CSR. I can always track my expenses in Year 1, and migrate to the CSR in Year 2 if my spending justifies the move.

Chase has not been able to link with Max Rewards in over a month…

@SpencerJohnsonOfficial

9 ай бұрын

With the transition between connectors, that's been the case for a lot of us. However, that's exactly what they're working on with the new version of the app. If you want direct support, their help page in the app will direct you to the right place!

Awesome video

@SpencerJohnsonOfficial

9 ай бұрын

Thanks so much James!

@jamesyu613

9 ай бұрын

@@SpencerJohnsonOfficial yw

Venture X gang here!

@SpencerJohnsonOfficial

9 ай бұрын

Haha awesome!

Nice! 👍

@SpencerJohnsonOfficial

9 ай бұрын

Thank you!

do they do a hard inquiry for product upgrades?

@SpencerJohnsonOfficial

8 ай бұрын

No they shouldn't! You can always confirm over the phone, but I didn't get any hard pulls for my product change personally.

@venkateshTD

8 ай бұрын

@@SpencerJohnsonOfficial thanks for responding, I appreciate it. I just got my Venture X a week ago, so I am not planning for this upgrade immediately but it's good to know I shouldn't be expecting a hard inquiry whenever I do a product change with Chase

@SpencerJohnsonOfficial

8 ай бұрын

No problem! I'd definitely test drive the VX to see if you really need the CSR, but update me in the future for sure! I'd like to hear what you end up doing. @@venkateshTD

is it time to downgrade capital one.

@SpencerJohnsonOfficial

9 ай бұрын

The Venture X is an easier keeper for me still like I talked about in the video in the end card of this one! But for some, you may not want to hold both.

i wish this card had more compelling benefits for me :/

@SpencerJohnsonOfficial

9 ай бұрын

That's understandable! It isn't for everyone!!

Sense you product change do you still get SUB

@crotchgrip

9 ай бұрын

no you dont get the sub you have to open a new account

@SpencerJohnsonOfficial

9 ай бұрын

As mentioned above, to get the SUB you have to open a new account, but since I wasn't eligible for a Sapphire card SUB for another 2 years, the product change didn't cause me to lose out on any SUB potential.

since the introduction of Ritz Carlton card & Venture X.... both AMEX Platinum & CSR are both waste of money

@SpencerJohnsonOfficial

9 ай бұрын

That's a fair opinion! However, that can't be said for everyones setup. If it works for you that's all that matters though!

😊

@SpencerJohnsonOfficial

9 ай бұрын

He's back for some vengeance! 😆👑

First 😮

@SpencerJohnsonOfficial

9 ай бұрын

The competition continues to heat up! 🥈

Warning: Did any of you dear cardholders actually try to use Chase Sapphire Reserve card's benefits? Such as car rental insurance? Please share your experience. I did and it was a nightmare. My claim was for a low dollar amount, but if you think you get decent insurance up to $75K, you better think again. Don't let the nice feel of holding thick, metal card fool you .