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Chase Sapphire Credit Card


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#1 Dovecote

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Posted 29 June 2015 - 01:01 PM

I am approaching the one year anniversary of having the Chase Sapphire credit card.  Once the anniversary period is reached there will be a $95 yearly fee imposed. I would appreciate any feedback on whether it is a sound invest to continue using this card.  Thanks in advance.


Amtrak Trains Traveled - Acela Express, Auto Train, Capitol Limited, City of New Orleans, Coast Starlight, Crescent, Empire Builder, Kansas City Mule, Lake Shore Limited, Maple Leaf, Northeast Regional, Pacific Surfliner, San Joaquin, Silver Meteor, Silver Star, Southwest Chief, Sunset Limited, and Vermonter.

#2 Devil's Advocate

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Posted 29 June 2015 - 01:08 PM

Can you give us some idea of the total usage along with the percentage spent on bonus categories?


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#3 Railroad Bill

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Posted 29 June 2015 - 01:27 PM

We recently paid our first annual fee for the CS card after calculating the advantages of using it as opposed to the regular Chase AGR Mastercard. Since we had many double points for restaurants and travel and appreciate the extra amenities of owning the card.. insurance for travel, no foreign transaction fees, etc. we found that the fee was more than offset by the extra points and service we received.  But it is best, as DA suggested, to look at your expenditures and determine its value for your family.


Amtrak Trains Ridden So Far:
Lake Shore Ltd, Capitol Ltd, Pennsylvanian, NE Corridors, Crescent, City of New Orleans, Empire Builder, California Zephyr, Hoosier, SW Chief, Surfliners, California Capitol Corridors, Coast Starlight, Cascades. Texas Eagle, San Joaquins, Missouri River Runner,Cardinal, Downeaster, Silver Meteor, Keystones, Auto Train, Adirondack, Lincoln Service, Illinois Zephyr, Carl Sandburg, Texas Eagle Detour Rt, 2013 Autumn Express Tour PHL, Silver Star, Sunset Limited -Acela Express-  2015 Autumn Express ALB  - Empire Service      80,129 Amtrak miles & counting     
Via Rail Corridor Trains Cobourg-Ottawa-Montreal,(round trip)  The Ocean (round trip)--   2,250 miles


#4 pennyk

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Posted 29 June 2015 - 01:41 PM

Another thing to consider is whether AGR will be dropping Chase for their AGR card and thus stop the transfer from Ultimate Rewards to Amtrak Guest Rewards.  Right now, I think my Chase Sapphire Card is worth the fee.  However, if, in the future, Ultimate Rewards will not be transferable to AGR, it probably will not be worth the fee to me.


Amtrak miles: 199,559; Routes: Silver Meteor, Champion (1973), Silver Star, Auto Train, Capitol Limited, Empire Builder, Lakeshore Limited, Adirondack, Vermonter, Cardinal, California Zephyr, Coast Starlight, Texas Eagle, Missouri River Runner, Acela Express, Southwest Chief, Cascades, Crescent, City of New Orleans, Hiawatha Service, Maple Leaf, Keystone Service, Northeast Regional, Downeaster, Piedmont, Carolinian, Lincoln Service, Autumn Express 2013, Empire Service, Sunset Limited, San Joaquin, Capitol Corridor, Pennsylvanian, Illinois Zephyr, Carl Sandburg, Autumn Express 2015, Ethan Allen Express, AEM-7 Excursion, Pacific Surfliner; Lakeshore Limited (BOS-ALB), Autumn Express 2016, Palmetto.

VIA miles: 4,584; Routes: The Canadian (westbound), Ocean.


#5 Railroad Bill

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Posted 29 June 2015 - 02:12 PM

Another thing to consider is whether AGR will be dropping Chase for their AGR card and thus stop the transfer from Ultimate Rewards to Amtrak Guest Rewards.  Right now, I think my Chase Sapphire Card is worth the fee.  However, if, in the future, Ultimate Rewards will not be transferable to AGR, it probably will not be worth the fee to me.

That is so correct. If Chase drops their relationship with AGR then we would definitely not continue with the CS card. The few hotel options for using the card and the fact that we do not fly would make the card pretty useless for us.


Amtrak Trains Ridden So Far:
Lake Shore Ltd, Capitol Ltd, Pennsylvanian, NE Corridors, Crescent, City of New Orleans, Empire Builder, California Zephyr, Hoosier, SW Chief, Surfliners, California Capitol Corridors, Coast Starlight, Cascades. Texas Eagle, San Joaquins, Missouri River Runner,Cardinal, Downeaster, Silver Meteor, Keystones, Auto Train, Adirondack, Lincoln Service, Illinois Zephyr, Carl Sandburg, Texas Eagle Detour Rt, 2013 Autumn Express Tour PHL, Silver Star, Sunset Limited -Acela Express-  2015 Autumn Express ALB  - Empire Service      80,129 Amtrak miles & counting     
Via Rail Corridor Trains Cobourg-Ottawa-Montreal,(round trip)  The Ocean (round trip)--   2,250 miles


#6 Dovecote

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Posted 29 June 2015 - 05:10 PM

Can you give us some idea of the total usage along with the percentage spent on bonus categories?

 

I have earned approx 63k total points in eleven months which included the signup bonus which I cannot recall the amount.  The bonus categories were minimal amounts.  Dining was around 650 points and and travel around 1k in points.


Amtrak Trains Traveled - Acela Express, Auto Train, Capitol Limited, City of New Orleans, Coast Starlight, Crescent, Empire Builder, Kansas City Mule, Lake Shore Limited, Maple Leaf, Northeast Regional, Pacific Surfliner, San Joaquin, Silver Meteor, Silver Star, Southwest Chief, Sunset Limited, and Vermonter.

#7 jtoddander

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Posted 29 June 2015 - 07:39 PM

If you cancel card, is it your intention to apply for some other reward card from Chase? If so, please be aware that about a month or so ago, Chase began to restrict issuing new cards to applicants with excessive credit card applications during prior two years. They do this regardless of FICO score and they are taking into considerations applications for any credit card and not just chase cards.

Some people churn through 10 or more cards per year and now find their access to new Chase sponsored cards is restricted.

I guess the point here is to also decide what would come after CSP card. As far as I know this restriction applies just to Chase

#8 Ryan

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Posted 30 June 2015 - 12:09 PM

Yes, this is just a Chase thing, and so far just their in house cards. Co-branded hotel and airlines cards haven't seen the change.
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#9 Dovecote

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Posted 30 June 2015 - 05:24 PM

If you cancel card, is it your intention to apply for some other reward card from Chase? If so, please be aware that about a month or so ago, Chase began to restrict issuing new cards to applicants with excessive credit card applications during prior two years. They do this regardless of FICO score and they are taking into considerations applications for any credit card and not just chase cards.

Some people churn through 10 or more cards per year and now find their access to new Chase sponsored cards is restricted.

I guess the point here is to also decide what would come after CSP card. As far as I know this restriction applies just to Chase

 

No, not my intentions to use another reward card but that is good to know.  I am not a fan of paying an annual fee to use a credit card hence my question.


Amtrak Trains Traveled - Acela Express, Auto Train, Capitol Limited, City of New Orleans, Coast Starlight, Crescent, Empire Builder, Kansas City Mule, Lake Shore Limited, Maple Leaf, Northeast Regional, Pacific Surfliner, San Joaquin, Silver Meteor, Silver Star, Southwest Chief, Sunset Limited, and Vermonter.

#10 George K

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Posted 01 July 2015 - 08:21 AM

That is so correct. If Chase drops their relationship with AGR then we would definitely not continue with the CS card. The few hotel options for using the card and the fact that we do not fly would make the card pretty useless for us.

 

If that does happen, I assume that people who hold AGR and CSP cards will be given sufficient warning before the change goes into effect. I have a bucket of points parked at CSP that I can transfer to AGR, but I might find them useful elsewhere until I travel.


4/1/1955 - NYC "Pacemaker" - NYP to CHI 

9/14 - EB - CHI to PDX , CS - PDX to EMY, CZ - EMY to CHI

3/15 CONO - Round trip 

9/15 CL CHI to WAS, Acela WAS to BOS, LSL BOS to CHI

11/15 CONO - Round trip

5/16 EB - Round trip

12/16 CONO -  Round Trip

5/17 EB - Round trip

10/17 CONO - Round trip


#11 Royal Blue

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Posted 03 July 2015 - 08:02 AM

We rented a car last month with the Chase Sapphire and took a rock to the windshield that resulted in a foot-long crack. We don't have a car so don't carry regular car insurance -- Chase Sapphire is one of the few cards that will act as primary insurance for rental cars. I called the number for the Chase collision damage folks, and they assured me that they did indeed cover windshield damage. They needed a pile of documentation, which I sent, but I'm optimistic that I will be seeing a reimbursement from them soon. If so, that's two years of annual fees.

Capitol Limited, City of New Orleans (Oct. 2014)
Crescent (Nov. 2014)
Capitol Limited and Southwest Chief (May 2015)
Abellio Greater Anglia, UK (Sep/Oct 2015)
Capitol Limited and California Zephyr (January 2016)
The "Grand Loop," DC to NOLA to LA to SEA to CHI to DC (October 2016)

Next up: Leaf peeping on the Adirondack to Montreal (October 2017)
 


#12 NW cannonball

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Posted 03 July 2015 - 08:51 AM

I'll pay the fee, as long as points transfer to AGR and United. If not, not.
@Royal Blue -- I also don't own a car, got a deer strike on Alamo rental car 3 years back. Whether primary or not, my USBank card paid 2600 to the car rental outfit for the damages, and negotiated a discount for the rental company's exaggerated "loss of use" claim.
Any decent card has "collision damage waiver" coverage, and -- well -- it worked for me.
Expect good coverage from Chase for these types of claims -- and be prepared to document, submit photos, and again.
If you have the evidence, they will cover you,

Edited by NW cannonball, 03 July 2015 - 08:59 AM.

Trains experienced:

AMTRAK - Empire Builder, SW Chief, Coast Starlight, Lake Shore Limited, Cardinal, Capital Limited, NER, Silver Star, Pacific Surfliner, Cascades.

Great Northern - Winnipegger, Red River, Empire Builder.

NYC - Pacemaker

Commuter lines - NM RailRunner, Metra, Northstar

outside USA - NS, DB, ÖBB, JR (Tokaido & Sanyo shinkansen, JRE (Tokyo area), JR Shikoku


#13 alben

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Posted 03 July 2015 - 11:26 AM

Chase has thrown a wrench into the works.  You cannot apply for any Chase branded cards if you have had 5 or more credit card applications in the past two years.  So be aware that if you drop a Chase card, you may not be able to get another Chase branded card.  It appears at the moment that this rule is for only cards that are branded solely by Chase.  Co-branded cards (Chase + hotel or airline) don't seem to have this restriction (yet).

 

I have a Chase Ink with a $95 annual fee that I intend to keep.  Chase Ink earns 5X on cable/internet/telephone.  My monthly cable/internet/telephone expenses are $370/month, which nets me at least 22.2K Chase UR points per year just on those expenses alone.

 

The most value I have received from UR points is to transfer them to AGR points and get Roomette or Bedroom redemptions on long distance trains.



#14 jis

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Posted 19 December 2016 - 02:27 PM

I just got approved for the Chase Saphire Reserve Card with the 100,000 point reward attached provided I can find $4000 to spend in three months. Fortunately I can put a lot of my annual charitable donations on it In addition to many tax and other bills. So I might be able to make it by the deadline. I can now get rid of my Chase Freedom after transferring its points over to the new card and gain the flexibility that it offers.



#15 George K

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Posted 19 December 2016 - 03:06 PM

I just got approved for the Chase Saphire Reserve Card with the 100,000 point reward attached provided I can find $4000 to spend in three months. Fortunately I can put a lot of my annual charitable donations on it In addition to many tax and other bills. So I might be able to make it by the deadline. I can now get rid of my Chase Freedom after transferring its points over to the new card and gain the flexibility that it offers.

 

$450 annual fee! 

 

That might be worth it if you get enough back in points, but...$450!


4/1/1955 - NYC "Pacemaker" - NYP to CHI 

9/14 - EB - CHI to PDX , CS - PDX to EMY, CZ - EMY to CHI

3/15 CONO - Round trip 

9/15 CL CHI to WAS, Acela WAS to BOS, LSL BOS to CHI

11/15 CONO - Round trip

5/16 EB - Round trip

12/16 CONO -  Round Trip

5/17 EB - Round trip

10/17 CONO - Round trip


#16 Hal

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Posted 19 December 2016 - 03:21 PM

I just got approved for the Chase Saphire Reserve Card with the 100,000 point reward attached provided I can find $4000 to spend in three months. Fortunately I can put a lot of my annual charitable donations on it In addition to many tax and other bills. So I might be able to make it by the deadline. I can now get rid of my Chase Freedom after transferring its points over to the new card and gain the flexibility that it offers.

 
$450 annual fee! 
 
That might be worth it if you get enough back in points, but...$450!
You don't want to get the card unless you travel. So the fee really comes out to $150 year if you travel since they rebate $300 in any travel expenses a year. Also in addition they will rebate Global Entry/or TSA pre check fee.


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Edited by Hal, 19 December 2016 - 03:30 PM.


#17 Hal

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Posted 19 December 2016 - 03:28 PM

I just got approved for the Chase Saphire Reserve Card with the 100,000 point reward attached provided I can find $4000 to spend in three months. Fortunately I can put a lot of my annual charitable donations on it In addition to many tax and other bills. So I might be able to make it by the deadline. I can now get rid of my Chase Freedom after transferring its points over to the new card and gain the flexibility that it offers.


Since the card gives you 3x points for travel, 2x for dining and 1x for everything else it pairs well with keeping the Freedom card, not closing it, if you have the Freedom Unlimited version since the Freedom Card has no annual fee. I put my travel and dining on the Reserve Card and the rest on the Freedom Unlimited Card which gives 1.5x and then transfer the points to the Reserve.


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#18 jis

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Posted 19 December 2016 - 03:42 PM

My Freedom Card is just what is leftover of the old AGR Card. It seems not to do much of anything unless I remember to register for the quarterly specials, which is something that I forget to do quite often. :(



#19 Hal

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Posted 19 December 2016 - 04:02 PM

My Freedom Card is just what is leftover of the old AGR Card. It seems not to do much of anything unless I remember to register for the quarterly specials, which is something that I forget to do quite often. :(


A lot would love to have that card. I don't think it is available anymore for new sign ups. But I suggest seeing if they will convert it to the Freedom Unlimited version instead of closing it. You don't have to register for the specials, you get 1.5% back on all spend. The Freedom Unlimited pairs well with the Sapphire Reserve.


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#20 jis

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Posted 19 December 2016 - 04:51 PM

Hal, thanks for the suggestion. I'll look into it.






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