From Chase's point of view, a card with a $450 AF and $300 credit is better for their bottom line than a straight $150 AF card?
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Originally Posted by Dieuwer
(Post 27089606)
From Chase's point of view, a card with a $450 AF and $300 credit is better for their bottom line than a straight $150 AF card?
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Originally Posted by Dieuwer
(Post 27089606)
From Chase's point of view, a card with a $450 AF and $300 credit is better for their bottom line than a straight $150 AF card?
|
Originally Posted by Dieuwer
(Post 27089606)
From Chase's point of view, a card with a $450 AF and $300 credit is better for their bottom line than a straight $150 AF card?
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Originally Posted by Dieuwer
(Post 27089606)
From Chase's point of view, a card with a $450 AF and $300 credit is better for their bottom line than a straight $150 AF card?
On other cards it is also the difficulty of using the benefit (although it should be very easy on this one). Again, most of the world does not live on this board and does not make calculation on how to maximize the benefits. |
Originally Posted by MD/DC Flyer
(Post 27089633)
Again, most of the world does not live on this board and does not make calculation on how to maximize the benefits.
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Originally Posted by Dieuwer
(Post 27089718)
Which keeps surprising me. How can you just apply for a card and not know the terms? And not be mindful of the $300 credit?
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Originally Posted by Dieuwer
(Post 27089606)
From Chase's point of view, a card with a $450 AF and $300 credit is better for their bottom line than a straight $150 AF card?
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Originally Posted by United747
(Post 27089422)
I'm going to downgrade mine. I'll probably have to transfer credit too. Here's my sequence:
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Originally Posted by Dieuwer
(Post 27089718)
Which keeps surprising me. How can you just apply for a card and not know the terms? And not be mindful of the $300 credit?
Originally Posted by Statman
(Post 27089745)
Never underestimate people's laziness.
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Originally Posted by MD/DC Flyer
(Post 27089416)
I have no problem with that explanation which is based on facts and assumptions that one can consider. But again it is only "pretty clear" based on your assumptions of spend. Nothing wrong with that of course, and it will work for a lot of people, under the same assumption - but it is far from universal truth.
I have a problem when someone has an "opinion" that is not based on any supporting facts or any assumptions. Nothing is "better" or "worse" without knowing the comparison and what was the matrix used to make that determination. If the CSP is your current main card and you put all of your travel restaurant spend on it, you only need to spend a total of $4583/yr on travel and restaurants for it to break even. I would guess most people on this board are spending $4500/yr on travel and restaurants but I could be wrong. I hypothesize anyone who finds it worthwhile to pay the $95 annual fee for the CSP will make out better paying $450 for the CSR. |
Originally Posted by jags86
(Post 27089898)
If the CSP is your current main card and you put all of your travel restaurant spend on it, you only need to spend a total of $4583/yr on travel and restaurants for it to break even. I would guess most people on this board are spending $4500/yr on travel and restaurants but I could be wrong.
I hypothesize anyone who finds it worthwhile to pay the $95 annual fee for the CSP will make out better paying $450 for the CSR. Last year I spend $17,956.12 with my CSP... |
Originally Posted by rgAAFT
(Post 27089268)
Just what I said, it's not that complicated......
But I guess different people have varying degrees of moral thresholds, and will see different value proposition for the same product................ |
Originally Posted by jags86
(Post 27089368)
That $55 premium turns your 1.5x FU from a 1.875% cash back card into a 2.25% cash back card via its 50% bonus. If you have $15000/yr of unbonused spend and occasionally use cash for points with UR (which at 1.5 cpp is a serious option now) then it pays to have the CSR over the others.
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Originally Posted by UpAt40k
(Post 27089927)
Please excuse by naivety, but I don't understand how having the CSR changes the value prop of having the Freedom Unlimited. I understand that you need a premium card in order to transfer the points from the freedom cards to an airline, but if you already had the CSP, how does adding the CSR into the mix affect this? Not questioning you, just genuinely curious!
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