Apr 20, 2018, 10:05 am
BofA Premium Rewards card
May 4, 2018, 12:17 pm
#226
Join Date: Jan 2003
Posts: 3,785
Unless you're booking your travel in a way that you could not get the same price using the UR travel portal, you would still get the 50% value kitcker when using them last minute. Now, if you need to purchase thru a different site to get a discounted rate and could not book it from Chase's site, then you have a valid point.
BTW, if the Premium Reward was metal, I would have gotten it when it first came out.
I know people on this forum kept saying they don't care how the card is made or many even preferred plastic, but that's not the case with my wife and me. Actually my wife refused to use the CSU card on everyday purchase, so she just kept using her CSR on everything.
May 4, 2018, 3:28 pm
#227
Join Date: Apr 2009
Posts: 681
Now the 1.5 UR points from CSU vs the 2.62% cash from Premium Reward is really a toss up for me, and I am edging toward the 2.62%.
BTW, if the Premium Reward was metal, I would have gotten it when it first came out. I know people on this forum kept saying they don't care how the card is made or many even preferred plastic, but that's not the case with my wife and me. Actually my wife refused to use the CSU card on everyday purchase, so she just kept using her CSR on everything.
BTW, if the Premium Reward was metal, I would have gotten it when it first came out.
I know people on this forum kept saying they don't care how the card is made or many even preferred plastic, but that's not the case with my wife and me. Actually my wife refused to use the CSU card on everyday purchase, so she just kept using her CSR on everything.As for plastic vs. metal card, to each their own. I personally use Samsung Pay on my phone whenever possible, so no physical card at all. Do you think that the cashiers are more impressed with you because you're using a metal card? I agree that the metal card is nicer, but it seems rather bizarre (to me) to use one that pays you less just because you prefer the feel of the other card.
BTW do you mean CFU rather than CSU? I assume you're talking about the Freedom , not Sapphire.
May 4, 2018, 5:47 pm
#228
Original Poster
Join Date: Jun 2008
Location: BAY AREA
Posts: 1,125
When I got the csr card I wanted to use it for Travel and restaurants. I had over 150k UR between CSR and ink card. When I went to book hotel room in Yosemite, no rooms were available through UR portal. Rooms were only available through hotels directly. So I had to book on BofA travel card and use my other points against the charges. I tried to book another hotel through UR and noticed prices were higher than booking directly. Also the hotels in UR site had cancelation penalties vs no penalties booking directly through hotels. Therefore, I switched all my spending on the premium card as soon as it was launched. I still have UR points which I'll just use to transfer to airline partners. I think my points are more have more value that way.
May 4, 2018, 8:11 pm
#229
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,978
I hold Chase cards and value URs! I use the CSR for travel and dining when possible. But what do I do with the other 80% of my spend that is not eligible for bonuses? I am subject to 5/24 so cannot qualify for the FU offer. And I have long exhausted my AmEx BBP $50k cap.
So in my case, URs are definitely not more valuable in dollar to dollar earnings than what I'm getting from BofA cash rewards, and I don't see a way to change this. I am all ears for alternatives.
So in my case, URs are definitely not more valuable in dollar to dollar earnings than what I'm getting from BofA cash rewards, and I don't see a way to change this. I am all ears for alternatives.
May 4, 2018, 8:20 pm
#230
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,978
Recently, a Chase FU offer came out with a promotional 2x UR for the first year only. I'm not sure about the current availability of the offer. I believe the offer is only available to new applications (i.e. product changes), which means that anybody over 5/24 will have a tough time qualifying for the offer.
May 4, 2018, 8:57 pm
#231
Join Date: Jun 1999
Location: NYC/LA
Programs: DL Plat, AA Plat Pro, Marriott Titanium, IHG Diamond Amb
Posts: 7,487
Unless you're booking your travel in a way that you could not get the same price using the UR travel portal, you would still get the 50% value kitcker when using them last minute. Now, if you need to purchase thru a different site to get a discounted rate and could not book it from Chase's site, then you have a valid point.
May 4, 2018, 9:27 pm
#232
Join Date: Jan 2003
Posts: 3,785
Kind of a no-brainer on 2.625% vs 2.25% (1.5%x1.5), at least for me.
As for plastic vs. metal card, to each their own. I personally use Samsung Pay on my phone whenever possible, so no physical card at all. Do you think that the cashiers are more impressed with you because you're using a metal card? I agree that the metal card is nicer, but it seems rather bizarre (to me) to use one that pays you less just because you prefer the feel of the other card.
BTW do you mean CFU rather than CSU? I assume you're talking about the Freedom , not Sapphire.
As for plastic vs. metal card, to each their own. I personally use Samsung Pay on my phone whenever possible, so no physical card at all. Do you think that the cashiers are more impressed with you because you're using a metal card? I agree that the metal card is nicer, but it seems rather bizarre (to me) to use one that pays you less just because you prefer the feel of the other card.
BTW do you mean CFU rather than CSU? I assume you're talking about the Freedom , not Sapphire.
May 7, 2018, 3:36 am
#233
Join Date: Sep 2011
Location: SNA
Programs: AA EXP, Hilton Diamond, Hyatt Globalist, IHG Plat, Marriott Gold, National EE
Posts: 1,204
You're right, it's 3X UR which is 2x the normal amount of UR (1.5X UR)
May 8, 2018, 10:12 am
#235
Join Date: Sep 2015
Location: San Francisco
Posts: 91
May 9, 2018, 7:27 am
#236
Join Date: Jun 2014
Location: PSC
Programs: Hilton Diamond/IHG Platinum/DL Plutononium
Posts: 1,728
May 9, 2018, 8:58 am
#237
Join Date: Nov 2014
Location: NYC
Posts: 557
If you log in to the BoA site and click on the card, look in the right column for a link to ShopSafe. It lets you generate credit card numbers with spending caps that can only be used at one merchant.
I didn't use Shopsafe for my Global Entry reimbursement, but I use it all the time for BankAmeriDeals and those still track, so I'm curious why the other poster said that you wouldn't get your GE credit if you used it.
I didn't use Shopsafe for my Global Entry reimbursement, but I use it all the time for BankAmeriDeals and those still track, so I'm curious why the other poster said that you wouldn't get your GE credit if you used it.
May 9, 2018, 10:53 am
#238
Join Date: Jun 1999
Location: NYC/LA
Programs: DL Plat, AA Plat Pro, Marriott Titanium, IHG Diamond Amb
Posts: 7,487
May 13, 2018, 8:29 pm
#240
Join Date: May 2015
Location: Jacksonville, AR
Programs: Hilton - Diamond; SPG/Marriott - Gold
Posts: 245
Any recent datapoints on those approved for this card and how many recent accounts they had opened?
I was denied for this card about six months ago and the rep told me it was because I had too many recent accounts (I had three in the previous six months and 13 in the previous 24). I now have two in the past six (soon to be one) and ten in the last 24.
If others have been denied with similar numbers, I may just forego this card altogether.
I was denied for this card about six months ago and the rep told me it was because I had too many recent accounts (I had three in the previous six months and 13 in the previous 24). I now have two in the past six (soon to be one) and ten in the last 24.
If others have been denied with similar numbers, I may just forego this card altogether.