I love credit cards so much!

[WaywardMemphian]

I might have to try that. I had added DH to my CSR before I realized there was a hefty fee for
it his card and quickly removed him but it is showing on his credit report as terminated.

Too bad you missed out on the 100,000 bonus for him.

 

[AmyAnne]

Not sure how hard it is now, but 5 years ago it was very simple. I was trying to get my credit score up to buy a house. Had been an AU on my wife's Chase card. She called up, asked them to remove me. Once that was done, I think I had to submit a letter to the credit agencies saying that it wasn't my card and that I didn't actually use it. They removed it from my history, credit score jumped up significantly. Bought the house with no problem at all.

Granted, it was the truth that I didn't use the card...in fact, never actually activated mine.

I should add, I was on that account for years, so it's not like it was a new card.

That's interesting. Our kids (young adults) have been AUs on our cards for a long time and I believe that it has helped their credit scores. Was there something about this particular account that was hurting your credit score? I hadn't planned on trying to remove them as AUs on our cards because it seems the only liability would be if they wanted to apply for multiple Chase cards, then the AU accounts would/could be counted if they were added within 24 months.

 

[Alexle2007]

Too bad you missed out on the 100,000 bonus for him.

Oh, I had him apply for his own card so he received the 100k bonus also Now he wants to close it.

 

[airsdaddy]

That's interesting. Our kids (young adults) have been AUs on our cards for a long time and I believe that it has helped their credit scores. Was there something about this particular account that was hurting your credit score? I hadn't planned on trying to remove them as AUs on our cards because it seems the only liability would be if they wanted to apply for multiple Chase cards, then the AU accounts would/could be counted if they were added within 24 months.

Yeah, my wife isn't good with money

Being an AU can certainly help, and I'm not discouraging anyone from it. In my case, it was simply not a great idea.

 

[wendow]

Granted, it was the truth that I didn't use the card...in fact, never actually activated mine.

I should add, I was on that account for years, so it's not like it was a new card.

When my dh called recon b/c he was denied for the CSR, he asked them to reconsider his app without the AU account and the lady grilled him on if he used the card and if he was responsible for paying for the card. His answers were (truthfully) both 'yes' to those questions. That probably played a huge part in Chase's unwillingness to overlook it. Again, we knew it would drop off soon so we just waited it out rather than going any further with it.

 

[airsdaddy]

When my dh called recon b/c he was denied for the CSR, he asked them to reconsider his app without the AU account and the lady grilled him on if he used the card and if he was responsible for paying for the card. His answers were (truthfully) both 'yes' to those questions. That probably played a huge part in Chase's unwillingness to overlook it. Again, we knew it would drop off soon so we just waited it out rather than going any further with it.

Almost undoubtedly. I literally could have taken a picture of my card with the activation sticker still on it after years of being in my wallet! If I needed to order something, which wasn't often, I used my debit card back then. Otherwise I used cash for a lot of things. I had already caused myself enough issues when I was 20-22 to have learned my lesson. It took a long time to build that back up and get to where I was comfortable with having any debt.

 

[Aanna]

When my dh called recon b/c he was denied for the CSR, he asked them to reconsider his app without the AU account and the lady grilled him on if he used the card and if he was responsible for paying for the card. His answers were (truthfully) both 'yes' to those questions. That probably played a huge part in Chase's unwillingness to overlook it. Again, we knew it would drop off soon so we just waited it out rather than going any further with it.

I, too, have found that they are being a lot more thorough with this question. Just saying, "I am not financially responsible for this card" no longer is the silver bullet it once was. It is still possible to get the AUs to be ignored, but it's not as easy. To get my business card from them, I had to explain that my DH and I have separate expenses and we use the AU cards when one of us has to buy something for the other. Really, we just have them to help one another out with the initial spend, though I did not mention that during the call <chuckle>

 

[gottalovepluto]

Wow. We did this in January, and it worked out so well for us that I've been planning to do it again with my parents, too. Hrrrrm. That's an interesting (and not good) wrinkle. I hope they straighten it our quickly for you!!!

I am sorry this happened to you. I suspect that Delta does not have a transfer agreement with Hawaiian. DH ran into a situation that sounds like this when he used to fly a certain route that involved a connection on Delta. The connection was pretty short and on several occasions a delayed first flight meant that he missed the Delta connection (which was the last Delta flight of the day). There was a later flight on another airline but in order for DH to be switched to that flight, he needed for Delta to give him a voucher. After the first time that happened, DH asked for the voucher at our home airport if it seemed at all possible that he might miss the connection - much easier than trying to get the voucher at the connecting airport.

I hope Delta agrees to pay, and without a lot of hassle. Let us know how it turns out (and enjoy your vacation!)

Thanks- we did enjoy our trip very much!

Update: talked to Delta supervisor at the airport where the gate agent failed to "reissue" the tickets causing Hawaiian not to receive payment, he started by telling me to call corporate customer service but when I told him Corporate wouldn't do anything he researched everything out and said something went wrong in ticketing. If I had been on Delta ticket stock he said he would have been able to issue me cash but because my ticket was on Korean ticket stock the best he could do was offer me $1900 in Delta vouchers (roughly the cost of the tickets and fees) good for 1 year. I took it. He also said to contact Korean about getting my miles back because they're the only ones who can issue any sort of refund. I would have preferred a check then and there but considering the tickets were on another airline's ticket stock I'm grateful we got what we did. (I'll update with what we hear back from Korean.)

The incident was so serious for us that Delta would have lost us as customers if they hadn't issued the vouchers, $1800 is a lot of money to put out for tickets you've already paid for, it was obviously their screw-up so having them take at least some responsibility for it (even in the form of Delta vouchers) has left me thinking nicer towards them and I consider us square with Delta at least. (Also, because they're Delta vouchers that's kinda the only airline those are good for anyway...)

Bottom line for doing the Korean->Delta route: although rare if things go south it gets real messy. We are out the $1800 in cash that we paid for right now. That's not money I planned on spending but I was willing to spend it to get us to our vacation. Do I regret it? No, the goal was a relaxing family vacation and we made it. Being out $1800 in cash was NOT the plan, my fall travel was to be paid using Chase points, not paid out of pocket, so this is still a messed up situation. Ultimately we each have to remember that if something goes wrong and our travel gets refunded it's likely coming back to us in points, not in the cash that we may have to put out to fix the situation quickly. Can you fight that? Sure, but good luck!

How to keep this from happening to you! The gate agent failed to "reissue" the ticket when she rebooked us. We received boarding pass papers with barcodes, seat assignments and the phrase FLT COUPON REQ at the bottom- that's a notation meaning the tickets have to be re-issued so make sure you get a following piece of paper with ticket numbers on them. Even if that's not your exact situation when an airline re-books you on another airline make sure you have the other airline's confirmation number AND you have the ticket number. Contact the other airline if you have time and confirm everything is booked AND paid for. We contacted Hawaiian after the agent booked us actually and got our confirmation number from them but we didn't pursue it any further thinking that was good enough- the red flag was Hawaiian wouldn't allow us to check-in but we thought it was due to an IT glitch because the Delta gate agent said don't worry, check-in happened when she re-booked us. If only I had known then what I know now!

 

[Ava]

Hi everyone! Don't think I've posted in this thread before but am looking for some advice/opinions.

I currently have the Chase Sapphire Preferred & Chase Freedom to earn UR points, but am wondering if I should also get an AmEx that earns Membership Rewards. Do people find good value in earning both UR & MR points? Or is it more lucrative to stick with one or the other? I like UR points so far as they are easy to earn & combine the points across both of my cards, plus the annual fee for the CSP is not too high ($95). Are there any MR-earning cards that have lower (under $100) annual fees? Most of the ones I see recommended on the travel hacking sites are premium cards with high annual fees and a lot of benefits that I don't think we'd use enough to make that fee worth it. Plus I'm wary of applying for a card with a sign-up bonus spend requirement greater than $3000 in 3 months, as we just don't spend that much on a regular basis.

The other cards that I'm eyeing at the moment are the Hilton Honors Surpass card with the 100,000 point sign-up bonus (will do this one first if I decide to go for it as that bonus offer expires at the end of this month) and the JetBlue Plus card which I will get before our Disney trip so we can get free checked bags for the 4 of us. I don't have any immediate plans for Hilton points but 100,000 points for a $75 AF seems like a great deal, plus you get a free weekend night every year.

 

[calypso726]

Hi everyone! Don't think I've posted in this thread before but am looking for some advice/opinions.

I currently have the Chase Sapphire Preferred & Chase Freedom to earn UR points, but am wondering if I should also get an AmEx that earns Membership Rewards. Do people find good value in earning both UR & MR points? Or is it more lucrative to stick with one or the other? I like UR points so far as they are easy to earn & combine the points across both of my cards, plus the annual fee for the CSP is not too high ($95). Are there any MR-earning cards that have lower (under $100) annual fees? Most of the ones I see recommended on the travel hacking sites are premium cards with high annual fees and a lot of benefits that I don't think we'd use enough to make that fee worth it. Plus I'm wary of applying for a card with a sign-up bonus spend requirement greater than $3000 in 3 months, as we just don't spend that much on a regular basis.

The other cards that I'm eyeing at the moment are the Hilton Honors Surpass card with the 100,000 point sign-up bonus (will do this one first if I decide to go for it as that bonus offer expires at the end of this month) and the JetBlue Plus card which I will get before our Disney trip so we can get free checked bags for the 4 of us. I don't have any immediate plans for Hilton points but 100,000 points for a $75 AF seems like a great deal, plus you get a free weekend night every year.

Many of us, including me, do not spend $3000 in a 3 month period on a regular basis. Fortunately, to make the bonus, you only have to make that type of spend once in the first 3 months to get the bonus. Sometimes we need to get a little creative to make the spend. You may also have noticed that the premium cards like CSR, Amex platinum, Citi Prestige etc. will offer a sign up bonus that is of greater value than the fee. Invariably, they are all worth getting for at least the first year, even when the annual fee is waived.

Often times, the premium cards will have perks that make the fee a lower out of pocket AF than the face value. For example, the CSR has a $450 AF. However, the sign up bonus is 50,000 UR points. Since CSR points are worth 1.5 used to purchase travel through the UR portal, that would equate to $750. In addition, the card comes with a $300 annual travel credit. This makes the card a $150 out of pocket card. Many things will trigger it so it is easy to get the credit. With good timing, you can get the travel credit twice since it is based on calendar year. The opportunity to pay $450 and receive $1350 back is an easy yes for me and many others who are dipping their toes in the high premium AF cards for the first time.

The CSR points are worth more than the CSP and the card earns 3x UR on travel and dining vs the 2x CSP earns. For some, it may not make sense to keep it long term over the CSP after the first year but it is a good way to get the bonus and product change to another UR earning no fee card like the CFU without affecting the 5/24 rule with Chase.

I look at points the way I would a financial portfolio of investments. Diversification is important. I don't want all my eggs in one basket. Variable points like SPG, UR, MR and TY are the most important as they give me the most flexibility.

Personally, I would not waste an application if I were under 5/24 until I had all the Chase cards affected by 5/24 that I could have first. So get all your UR earning cards first since you are already using UR points. My advice is to look beyond the AF and see if a card is worth getting for the bonus. I'd get a CSR and then after a year PC it to the Freedom Unlimited. Then, I'd pick up a Marriott card which is under 5/24 and also come s with a free night. DH and I each have one so we get a free weekend in WDW every year for the AF.

Hope that helps

 

[gottalovepluto]

Hi everyone! Don't think I've posted in this thread before but am looking for some advice/opinions.

I currently have the Chase Sapphire Preferred & Chase Freedom to earn UR points, but am wondering if I should also get an AmEx that earns Membership Rewards. Do people find good value in earning both UR & MR points? Or is it more lucrative to stick with one or the other? I like UR points so far as they are easy to earn & combine the points across both of my cards, plus the annual fee for the CSP is not too high ($95). Are there any MR-earning cards that have lower (under $100) annual fees? Most of the ones I see recommended on the travel hacking sites are premium cards with high annual fees and a lot of benefits that I don't think we'd use enough to make that fee worth it. Plus I'm wary of applying for a card with a sign-up bonus spend requirement greater than $3000 in 3 months, as we just don't spend that much on a regular basis.

The other cards that I'm eyeing at the moment are the Hilton Honors Surpass card with the 100,000 point sign-up bonus (will do this one first if I decide to go for it as that bonus offer expires at the end of this month) and the JetBlue Plus card which I will get before our Disney trip so we can get free checked bags for the 4 of us. I don't have any immediate plans for Hilton points but 100,000 points for a $75 AF seems like a great deal, plus you get a free weekend night every year.

Personally I hate MR. The options for redemption just don't fit our needs so we end up cashing our for gift cards which is a crap redemption rate. I think we paid around 37,000 points for a $250 Marriott gift card recently. On Chase it would have been worth a minimum of $370. Many love Amex MR but I am not among them. (We have a business amex card and I'm itching to pull the trigger and get a chase business card instead, I just want a higher sign-up bonus than they are offering right now.)

 

[Albort]

Personally I hate MR. The options for redemption just don't fit our needs so we end up cashing our for gift cards which is a crap redemption rate. I think we paid around 37,000 points for a $250 Marriott gift card recently. On Chase it would have been worth a minimum of $370. Many love Amex MR but I am not among them. (We have a business amex card and I'm itching to pull the trigger and get a chase business card instead, I just want a higher sign-up bonus than they are offering right now.)

it depends on where you use them. Ive been looking at some Japan redemption, all the easy redemption are with Amex MR/SPG points... Honestly, im thinking about switching over to MR points from UR points at this time...
so far, i think ima use 53k points for a hyatt redemption for 4 night.

 

[hurt817]

Many of us, including me, do not spend $3000 in a 3 month period on a regular basis. Fortunately, to make the bonus, you only have to make that type of spend once in the first 3 months to get the bonus. Sometimes we need to get a little creative to make the spend. You may also have noticed that the premium cards like CSR, Amex platinum, Citi Prestige etc. will offer a sign up bonus that is of greater value than the fee. Invariably, they are all worth getting for at least the first year, even when the annual fee is waived.

Often times, the premium cards will have perks that make the fee a lower out of pocket AF than the face value. For example, the CSR has a $450 AF. However, the sign up bonus is 50,000 UR points. Since CSR points are worth 1.5 used to purchase travel through the UR portal, that would equate to $750. In addition, the card comes with a $300 annual travel credit. This makes the card a $150 out of pocket card. Many things will trigger it so it is easy to get the credit. With good timing, you can get the travel credit twice since it is based on calendar month. The opportunity to pay $450 and receive $1350 back is an easy yes for me and many others who are dipping their toes in the high premium AF cards for the first time.

The CSR points are worth more than the CSP and the card earns 3x UR on travel and dining vs the 2x CSP earns. For some, it may not make sense to keep it long term over the CSP after the first year but it is a good way to get the bonus and product change to another UR earning no fee card like the CFU without affecting the 5/24 rule with Chase.

I look at points the way I would a financial portfolio of investments. Diversification is important. I don't want all my eggs in one basket. Variable points like SPG, UR, MR and TY are the most important as they give me the most flexibility.

Personally, I would not waste an application if I were under 5/24 until I had all the Chase cards affected by 5/24 that I could have first. So get all your UR earning cards first since you are already using UR points. My advice is to look beyond the AF and see if a card is worth getting for the bonus. I'd get a CSR and then after a year PC it to the Freedom Unlimited. Then, I'd pick up a Marriott card which is under 5/24 and also come s with a free night. DH and I each have one so we get a free weekend in WDW every year for the AF.

Hope that helps

Is it possible to use your Marriott "free night" at the Swan & Dolphin?

 

[calypso726]

Is it possible to use your Marriott "free night" at the Swan & Dolphin?

No since it is a Starwood property and the merger isn't complete. It is still up in the air if both programs will be kept separate.

 

[Ava]

@calypso726 Good points about the Chase 5/24 and benefits of the CSR vs the $450 fee. I'm currently at 3/24 so could apply for 2 more Chase cards before I'm shut out (until next Feb). I need to do some more research on what counts toward the $300 travel credit on the CSR; if my NYC MetroCard counts, I can easily use 2 year's worth of credits before I have to pay the AF a second time. I wonder, though, if it would be worth it to keep the CSR and downgrade the CSP, since with CSR you get 3x points on travel/dining and 1.5 redemption value through the UR portal vs the 2x/1.25 with CSP.

I've never looked into the Marriott card so will have to do some research there as well. I have the IHG card, which I got last year specifically to use the 60,000 point sign-up bonus for a stay to visit family in rural PA where the best of the limited hotel options was a Holiday Inn Express. And I kept it since the AF is only $49 and you get an annual free night (which we used towards a stay in Philly this past Feb).

Here's another question - does closing a card ding your credit score so much that it's better to do a product change than to close one card and open another? I have an Amtrak Guest Rewards MC that has a $79 AF but I don't really think the benefits are worth continuing to pay the fee. There is a version with no annual fee that I could downgrade to, but if I sign up for the no AF version as a new card I can get another 12,000 points sign up bonus. My credit score is over 800 so a few points hit won't make much difference but I don't want it to dip too much.

 

[Lain]

Hi everyone! Don't think I've posted in this thread before but am looking for some advice/opinions.

I currently have the Chase Sapphire Preferred & Chase Freedom to earn UR points, but am wondering if I should also get an AmEx that earns Membership Rewards. Do people find good value in earning both UR & MR points? Or is it more lucrative to stick with one or the other? I like UR points so far as they are easy to earn & combine the points across both of my cards, plus the annual fee for the CSP is not too high ($95). Are there any MR-earning cards that have lower (under $100) annual fees? Most of the ones I see recommended on the travel hacking sites are premium cards with high annual fees and a lot of benefits that I don't think we'd use enough to make that fee worth it. Plus I'm wary of applying for a card with a sign-up bonus spend requirement greater than $3000 in 3 months, as we just don't spend that much on a regular basis.

The other cards that I'm eyeing at the moment are the Hilton Honors Surpass card with the 100,000 point sign-up bonus (will do this one first if I decide to go for it as that bonus offer expires at the end of this month) and the JetBlue Plus card which I will get before our Disney trip so we can get free checked bags for the 4 of us. I don't have any immediate plans for Hilton points but 100,000 points for a $75 AF seems like a great deal, plus you get a free weekend night every year.

Just a few thoughts.

You say you have the Chase Sapphire Preferred (CSP) and the Chase Freedom (CF). How long have you had these cards? Have you opened any other credit cards in the last two years? Chase has a rule (the “5/24 rule”) that automatically denies applications if you have 5 or more new credit accounts in the last 24 months. If you’ve opened less than 5 credit cards in the last 24 months, you might want to focus your next several applications on Chase’s credit cards, many of which will earn you more UR points.

I think the obvious place to start would be the Chase Sapphire Reserve (CSR), which has a 50,000 UR bonus after $4000 spend in the first 3 months. Yes, it has a $450 annual fee, but @calypso has already discussed how the benefits offset the high annual fee – especially in the first year. With the $300 travel credit, which you shouldn’t have any problem using up, the CSR is effectively an $150 annual fee card. If you plan to use the Global Entry/TSA Precheck perk, or Priority Pass airport lounge access, there’s real dollar value in those as well. The bonus categories on the CSR are more generous than the CSP, too, 3x vs. 2x on travel and dining. And the CSR makes your UR points 50% more valuable when redeemed on the UR travel portal vs. 25% more with the CSP.

How long have you had the CSP? Like @calypso suggested, since you already have the CF, you might want to product change the CSP to the Chase Freedom Unlimited (CFU), which has no annual fee, so you can have a card that earns you 1.5% cash back or UR points for everyday non-bonus category purchases.

Keep in mind that you can generally earn Chase credit card signup bonuses again in two years, as long as you’re under 5/24 of course.

Amex signup bonuses for each card are almost always limited to once per lifetime. So if 5/24 wasn’t enough to keep you away from applying for Amex, the once per lifetime limit cautions you to wait for a “best offer” for any particular Amex card before signing up, e.g., 50,000 MR points for the Premier Rewards Gold (PRG), 100,000 MR points for the personal Platinum; 100-150k MR points for the business Platinum, etc. If you’re lucky, you’ll be targeted for these offers. Sometimes, you can pull up best offers using private browsing, or through a leaked link.

The big bonus cards do carry a hefty annual fee. For example, the Amex PRG has a $160 annual fee after the first year, but this card comes with a $100 airline fee credit per calendar year, which you can usually use towards an airline gift card, and can probably double dip before your first annual fee hits. The personal Platinum card now has a $550 annual fee, but comes with a $200 airline fee credit and $200 worth of Uber credits ($15 per month, and an extra $20 in December). I recall you live in Brooklyn, right? So you’ll probably have no problem using up those credits every month on Uber rides or Uber Eats. So yes, premium cards have expensive annual fees, but they have real dollar benefits that offset the cost in addition to all the other benefits of these cards.

Regarding minimum spend, like @calypso suggested, there are creative ways to manufacture spending, like prepaying bills and expenses, buying gift or prepaid cards, paying for friends and family and having them reimburse you, venmoing funds to people you can trust, using services like Plastiq to pay for things you’d otherwise use cash, check, or EFT for, like mortgage, rent, car payments, student loans, school tuition, etc. Because while a lot of people might not have $3000 in disposable income to spend in 3 months, almost everyone has at least $3000 worth of expenses in 3 months.

As for the Hilton card, I’m not so sure it’s a great deal. Our family stays at Hilton properties quite a bit, but their point values generally suck and 100,000 points sounds like a lot but really isn’t that much (at least for the properties we frequent).

 

[Alexle2007]

@calypso726
Here's another question - does closing a card ding your credit score so much that it's better to do a product change than to close one card and open another? I have an Amtrak Guest Rewards MC that has a $79 AF but I don't really think the benefits are worth continuing to pay the fee. There is a version with no annual fee that I could downgrade to, but if I sign up for the no AF version as a new card I can get another 12,000 points sign up bonus. My credit score is over 800 so a few points hit won't make much difference but I don't want it to dip too much.

I closed DH's 2 SW Visas at the same time and his credit score dropped about 10 points but he was still well over 800 and it quickly rebounded to its prior level.

 

[Albort]

@calypso726 Good points about the Chase 5/24 and benefits of the CSR vs the $450 fee. I'm currently at 3/24 so could apply for 2 more Chase cards before I'm shut out (until next Feb). I need to do some more research on what counts toward the $300 travel credit on the CSR; if my NYC MetroCard counts, I can easily use 2 year's worth of credits before I have to pay the AF a second time. I wonder, though, if it would be worth it to keep the CSR and downgrade the CSP, since with CSR you get 3x points on travel/dining and 1.5 redemption value through the UR portal vs the 2x/1.25 with CSP.

I've never looked into the Marriott card so will have to do some research there as well. I have the IHG card, which I got last year specifically to use the 60,000 point sign-up bonus for a stay to visit family in rural PA where the best of the limited hotel options was a Holiday Inn Express. And I kept it since the AF is only $49 and you get an annual free night (which we used towards a stay in Philly this past Feb).

Here's another question - does closing a card ding your credit score so much that it's better to do a product change than to close one card and open another? I have an Amtrak Guest Rewards MC that has a $79 AF but I don't really think the benefits are worth continuing to pay the fee. There is a version with no annual fee that I could downgrade to, but if I sign up for the no AF version as a new card I can get another 12,000 points sign up bonus. My credit score is over 800 so a few points hit won't make much difference but I don't want it to dip too much.

here, i do ur research... :]

The following items have been reimbursed:

• Airlines:
  
• Airline purchases, fees & gift cards
• AA e-gift certificate
• Delta eGift Cards
• UA in-flight bev
  
  Hotels:
  
• Marriott GC and hotel charges
• Airbnb & their GC
• hotels.com (NOT hotels.com e-gift cert!)
• Hotel restaurants not charged to room (verified at Renaissance LV)
• Priceline "opaque" hotel purchases
• Kruger National Park lodging reservation (booked on sanparks.org official site)
  
  Transit, including parking, trains, ferries, toll roads, etc:
  
• taxi fares: Uber, Lyft, Gett, Way2Ride, London taxi, RideAustin
• Transit fees: BART, MTA, FastTrac, MetroCard, DC Metro (WMATA) SmarTrip farecard and commemorative cards, NJ Transit, Oyster card, Ventra (Chicago), Las Vegas Monorail
• Parking meters: Chicago; Portland, OR; San Francisco; Atlantic City; Seattle

yes, closing a card will ding your credit because your Total utilization will go down. But its just a temporary ding, similar to when u apply for a CC. its better to drop to a no AF card, but if you have no choice, its probably better to cancel...
U can always try to see if the issuer will give u some retention though.

 

[Lain]

@calypso726 Good points about the Chase 5/24 and benefits of the CSR vs the $450 fee. I'm currently at 3/24 so could apply for 2 more Chase cards before I'm shut out (until next Feb). I need to do some more research on what counts toward the $300 travel credit on the CSR; if my NYC MetroCard counts, I can easily use 2 year's worth of credits before I have to pay the AF a second time. I wonder, though, if it would be worth it to keep the CSR and downgrade the CSP, since with CSR you get 3x points on travel/dining and 1.5 redemption value through the UR portal vs the 2x/1.25 with CSP.

Didn't see your follow up post... but YES, NYC's MetroCard will count towards the CSR travel credit:

http://www.doctorofcredit.com/maxim...eserve-300-travel-credit-cash/#comment-291566

http://milestomemories.boardingarea.com/chase-sapphire-reserve-travel-credit-how-it-works/

 

[Lain]

here, i do ur research... :]

I'm slow on the trigger today. I think it's time to call it a weekend.