Originally Posted by
jdsva
I think that answers your question.
If you think the card will be positive EV for you without the sign up bonus based on organic use, you could always get it without the bonus. Yes, you can wait, but you may never qualify for the bonus and will miss out on the value you could get in the meantime. Just a thought…
While the card would provide me with positive value, I have a ton of other coupon clipping cards that provide positive value (AMEX plat, biz plat, Hilton aspire, biz gold times three $20 credit/ month, Delta biz plat $10/ month Resy and rideshare with annual $200 hotel, Ritz Carlton $300 airline credit, Capital one venture X biz $300 travel credit, Chase United biz $10/ month rideshare and $50X 2 hotel credits) that it takes bandwidth maximizing. I already have chase longe access via the Ritz Carlton,
Everyone’s situation might vary but the juice isn’t worth the squeeze for a few hundred dollars of extra credits, unless I get a huge signup bonus or get rid of lots of my other cards. Coming out far ahead with the bonuses means paying one annual fee for three 6 month increments of the Stubhub and dining credits; only getting two of them is barely break- even. I will say it would organically be easier to use the sapphire reserve credits than the above, but I’m willing to wait to see if can get signup bonus at some point.