Aug 28, 2014, 11:49 am
Last edit by: philemer
The revised July 23, 2014 CSP Guide to Benefits (BGC10374) may be found at this landing page (or directly at this location).
The CSP program rules/agreement (as of 7/24/14; RPC0444_0477) may be found at this landing page or directly at this location.
Changes to U.R. program recently announced. See post #1314.
The CSP program rules/agreement (as of 7/24/14; RPC0444_0477) may be found at this landing page or directly at this location.
Changes to U.R. program recently announced. See post #1314.
Ultimate Rewards & CSP Benefit Changes
Sep 17, 2014, 11:40 am
#1321
Join Date: Jul 2013
Programs: AA Executive Platinum, IHG Spire, Marriott Silver, Hyatt Platinum, HHonors Diamond
Posts: 308
The biggest (and sometimes overlooked) benefit of the CSP comes from pairing it with the Chase Freedom. The 1:1 transfer partners (most notably UA and BA) essentially turn the Freedom card into a 5 UA mile per $1 spent card, in the 5% categories and up to the quarterly cap. Put it this way:
I usually hit around $1250 of the $1500 quarterly cap on the Freedom, which is 25K UR points a year from the Freedom. That's $250 cash. If I pair it with the CSP, I can throw those points into BA, and book a RT flight from LAX to HNL that would cost me $500-$600, which is a whopping 10%-12% on the original spend of $5,000. The benefit of having the CSP more than doubled the value those same points without, and added $200-$300 in value. This alone more than offsets the annual fee, IMO.
Note: The same holds true for the Ink cards, which are substantially more valuable than the CSP, in my opinion. However, not everyone has an Ink, is able to get an Ink, or is comfortable with getting a business card if their business is, say, selling items here and there on eBay.
I usually hit around $1250 of the $1500 quarterly cap on the Freedom, which is 25K UR points a year from the Freedom. That's $250 cash. If I pair it with the CSP, I can throw those points into BA, and book a RT flight from LAX to HNL that would cost me $500-$600, which is a whopping 10%-12% on the original spend of $5,000. The benefit of having the CSP more than doubled the value those same points without, and added $200-$300 in value. This alone more than offsets the annual fee, IMO.
Note: The same holds true for the Ink cards, which are substantially more valuable than the CSP, in my opinion. However, not everyone has an Ink, is able to get an Ink, or is comfortable with getting a business card if their business is, say, selling items here and there on eBay.
Plus, if transferring Chase Freedom points is so vital, I'd get the CSP, transfer the points, and then close the CSP once the AF hits. Rinse and repeat. No bonus points, but you always get the AF waived and the ability to transfer points.
Even if you want to keep the card, it just isn't one I would use too often.
Sep 17, 2014, 12:02 pm
#1322
Join Date: Mar 2005
Location: Kansas City, MO
Programs: AA Gold
Posts: 3,648
Chase travel insurance to cover Africa trip
Do you think the trip interruption/cancellation insurance that comes with an Ink Plus Business card is adequate? I just put a deposit on my Ink card for a safari trip to Africa next year. I was planning to get travel insurance and looked at the costs. For a comprehensive package for 2 with a trip value of $8500 the premium is $600. I can get just a medical plan for around $150 and use the Chase insurance for the rest.
Has anyone ever invoked this benefit? Do you know who the actual travel insurance company is?
Has anyone ever invoked this benefit? Do you know who the actual travel insurance company is?
Sep 17, 2014, 1:49 pm
#1323
Join Date: Feb 2003
Location: On strike
Posts: 8,135
Sep 17, 2014, 3:24 pm
#1326
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
Company – Federal Insurance Company, also referred to as We, Us,
or Our
or Our
Sep 17, 2014, 3:45 pm
#1327
Join Date: Feb 2003
Location: On strike
Posts: 8,135
Sep 17, 2014, 9:24 pm
#1328
Join Date: Jan 2011
Programs: MVP Gold
Posts: 81
Continuing with the trip cancellation/delay insurance, I'm wondering if anyone has an idea as to whether the CSP's new expanded trip cancellation insurance would cover/not cover a military coup (*cough* Thailand) or similar that could result in the US State Dept recommending against travel. I looked at the Guide to Benefits and it's not listed as covered but also NOT listed as not covered.
Sep 18, 2014, 11:20 am
#1329
Join Date: Mar 2005
Location: Kansas City, MO
Programs: AA Gold
Posts: 3,648
As my trip is to Africa, I'm wondering about the cancellation coverage if US citizens are advised not to go anywhere in Africa because of ebola. I will be visiting South Africa, Zimbawe, Botswana, and Namibia.
Coverage for military coups is tricky. We were in Thailand in 2008 when the Bangkok airport was shut down, stranding us there for 6 days until we could get a flight out. I put in a claim with the travel insurance company, Travelguard, and it was initially denied. Insurance claimed it was not terrorism, but civil unrest. I had to go to my state Attorney General's office to file a complaint and then Travelguard paid up. it took 6 months of working at it, back and forth.
Coverage for military coups is tricky. We were in Thailand in 2008 when the Bangkok airport was shut down, stranding us there for 6 days until we could get a flight out. I put in a claim with the travel insurance company, Travelguard, and it was initially denied. Insurance claimed it was not terrorism, but civil unrest. I had to go to my state Attorney General's office to file a complaint and then Travelguard paid up. it took 6 months of working at it, back and forth.
Sep 18, 2014, 11:38 am
#1330
Join Date: Mar 2005
Location: Kansas City, MO
Programs: AA Gold
Posts: 3,648
The link in the wiki is for a Chase Sapphire Preferred card. Mine is a Chase Ink Plus Business Card. The travel insurance policies/benefits are different. My benefits booklet is dated 11/01/13 and came with the card.
What would happen if half of the trip payment is put on the Ink card and the other half is put on a Sapphire card? If you made a claim, which insurance would be in force? Which one would you file with?
What would happen if half of the trip payment is put on the Ink card and the other half is put on a Sapphire card? If you made a claim, which insurance would be in force? Which one would you file with?
Last edited by susiesan; Sep 23, 2014 at 9:42 am
Sep 23, 2014, 5:52 am
#1331
Join Date: Jan 2004
Location: ORD, SJD, VNO, sandy places
Programs: AA 1.2MM BIS 'LT' Gld, BA Bronze, AA Plat, now considering SWA.....
Posts: 451
Middle East Travel...
"What would happen if half of the trip payment is put on the Ink card and the other half is put on a Sapphire car. if you made a claim, which insurance would be in force? Which one would you file with?[/QUOTE]
Just did same for a Middle East travel booked back in May...
Split tween Ink Plus and CSP....
Both have travel protection CSP just raised to 10K.
As tensions have increased further, purchased cruise lines coverage
Which allows cancellation for ANY REASON i.e. "No Way"
As added protection......
Just did same for a Middle East travel booked back in May...
Split tween Ink Plus and CSP....
Both have travel protection CSP just raised to 10K.
As tensions have increased further, purchased cruise lines coverage
Which allows cancellation for ANY REASON i.e. "No Way"
As added protection......
Oct 20, 2014, 4:01 pm
#1333
Join Date: Jun 2014
Posts: 10
I have confusion related to Auto Rental CDW coverage:
1) If I book car rental using sapphire ultimate reward points then does it make ineligible for Auto Rental CDW
2) If I made a car rental booking using travel agency and used a discount coupons then does it make ineligible for Auto Rental CDW
I have called Benefits Administrator regarding this and they said I'm eligible for above scenarios. But, I read some where in the forums it's not eligible.
Can someone clairfy??
1) If I book car rental using sapphire ultimate reward points then does it make ineligible for Auto Rental CDW
2) If I made a car rental booking using travel agency and used a discount coupons then does it make ineligible for Auto Rental CDW
I have called Benefits Administrator regarding this and they said I'm eligible for above scenarios. But, I read some where in the forums it's not eligible.
Can someone clairfy??
Oct 21, 2014, 7:44 am
#1334
Join Date: Jul 2011
Posts: 775
I have confusion related to Auto Rental CDW coverage:
1) If I book car rental using sapphire ultimate reward points then does it make ineligible for Auto Rental CDW
2) If I made a car rental booking using travel agency and used a discount coupons then does it make ineligible for Auto Rental CDW
I have called Benefits Administrator regarding this and they said I'm eligible for above scenarios. But, I read some where in the forums it's not eligible.
Can someone clairfy??
1) If I book car rental using sapphire ultimate reward points then does it make ineligible for Auto Rental CDW
2) If I made a car rental booking using travel agency and used a discount coupons then does it make ineligible for Auto Rental CDW
I have called Benefits Administrator regarding this and they said I'm eligible for above scenarios. But, I read some where in the forums it's not eligible.
Can someone clairfy??