Reconsidering Chase MP Cards due to 2020 FF Changes
#91
FlyerTalk Evangelist
Join Date: Dec 2006
Location: Pacific Northwest
Programs: UA Gold 1MM, AS 75k, AA Plat, Bonvoyed Gold, Honors Dia, Hyatt Explorer, IHG Plat, ...
Posts: 16,843
UA Select Visa: 3x on Gas, dining thru June 30
UA Select Visa: 5000 bonus miles for $3k spend (Q4)
that, depending on one’s circumstances and card portfolio, might make a temporary shift of spend worthwhile for a few extra miles.
Other than that, there is probably no reason to wait. A reason not to wait is the risk of forgetting to cancel later on.
#92
Join Date: Jul 2011
Location: SF Bay Area
Programs: UA MileagePlus (Premier Gold); Hilton HHonors (Gold); Chase Ultimate Rewards; Amex Plat
Posts: 6,675
Paid membership, 1K and GS - $550
Paid membership, Platinum - $600
Paid membership, other - $650
United Club Card - $450
So you are literally paying $100-200 more by not going through the card. Is there some Chase rule that prevents toy from getting the Club card in addition to your grandfathered one? I am unaware of such a rule. And getting another card is NOT going to tank your score. Part of it is average account age (so opening lots of accounts actually helps you open more in the future with less of a hit to the score) and another part is % utilization, which is lower (better) with more open cards. I have 7 cards open and last time I checked my score, it was 850.
#93
FlyerTalk Evangelist
Join Date: Nov 2004
Location: ORD
Programs: UA 1K
Posts: 16,901
Here are the prices I see:
Paid membership, 1K and GS - $550
Paid membership, Platinum - $600
Paid membership, other - $650
United Club Card - $450
So you are literally paying $100-200 more by not going through the card. Is there some Chase rule that prevents toy from getting the Club card in addition to your grandfathered one? I am unaware of such a rule. And getting another card is NOT going to tank your score. Part of it is average account age (so opening lots of accounts actually helps you open more in the future with less of a hit to the score) and another part is % utilization, which is lower (better) with more open cards. I have 7 cards open and last time I checked my score, it was 850.
Paid membership, 1K and GS - $550
Paid membership, Platinum - $600
Paid membership, other - $650
United Club Card - $450
So you are literally paying $100-200 more by not going through the card. Is there some Chase rule that prevents toy from getting the Club card in addition to your grandfathered one? I am unaware of such a rule. And getting another card is NOT going to tank your score. Part of it is average account age (so opening lots of accounts actually helps you open more in the future with less of a hit to the score) and another part is % utilization, which is lower (better) with more open cards. I have 7 cards open and last time I checked my score, it was 850.
#94
Join Date: Jul 2011
Location: SF Bay Area
Programs: UA MileagePlus (Premier Gold); Hilton HHonors (Gold); Chase Ultimate Rewards; Amex Plat
Posts: 6,675
It's pretty hilarious that my wife just got a Club card offer with a $0 first year annual fee in the mail yesterday, exactly one week after UA made changes that made her husband pull all business from UA. Might have gone for it if we were planning a lot of domestic travel next year.
#95
Join Date: Apr 2016
Posts: 23
I just got the $0 first year Club card mailer yesterday. I actually just got the Explorer a few weeks ago for the sign up bonus since I could use the miles and expanded award availability on an upcoming vacation. My problem (and the reason I'm going to keep the card probably even longer than just the 1st year) is that I'm a true free agent who also has a need to get to ORD and EWR a few times a year which is not enough PQM (or now PQP) to get any status, yet keeps me flying United since I want the direct flights and (in the case of ORD) don't care for American. So for me the card gets me Group 2 boarding, 2x miles on the airfare, and expanded award availability and thus is like a silver-lite status for a free agent like myself. I don't see why anyone with real status would keep the card around.
#96
A FlyerTalk Posting Legend
Join Date: Aug 2003
Programs: UA 1K 1MM (finally!), IHG AMB-Spire, HH Diamond
Posts: 60,172
Has anyone since the epic Premier deval been offered any retention options when calling to cancel Explorer or Club cards?
I am sure they are letting folks cancel discontinued cards with zero resistance.
I am sure they are letting folks cancel discontinued cards with zero resistance.
#97
Original Poster
Join Date: Nov 2007
Location: Washington DC
Programs: Former 1k, Lifetime UA Gold, Starwood Gold; Avis Preferred; Hertz Gold
Posts: 1,732
CSR = Chase Sapphire Reserve
CFU = Chase Freedom Unlimited
CSR earns 3 Ultimate Rewards points/$ spent on any travel (including UA tickets) and dining and 1 UR point/$ on everything else. CFU earns 1.5 UR points/$ on everything. You can transfer points from CFU to CSR. Ultimate Rewards points can be transferred to United miles at a 1:1 ratio, meaning that the CSR basically earns 3 miles/$ on UA tickets (you can also transfer to many other travel partner programs too). So even though I have a MileagePlus Explorer card (for PQD waiver, which is ending next year, hence why I'm going to cancel it), I never purchase UA tickets with it. They either go on the CSR or on the Amex Platinum (5 MR points/$ on airline spend).
CFU = Chase Freedom Unlimited
CSR earns 3 Ultimate Rewards points/$ spent on any travel (including UA tickets) and dining and 1 UR point/$ on everything else. CFU earns 1.5 UR points/$ on everything. You can transfer points from CFU to CSR. Ultimate Rewards points can be transferred to United miles at a 1:1 ratio, meaning that the CSR basically earns 3 miles/$ on UA tickets (you can also transfer to many other travel partner programs too). So even though I have a MileagePlus Explorer card (for PQD waiver, which is ending next year, hence why I'm going to cancel it), I never purchase UA tickets with it. They either go on the CSR or on the Amex Platinum (5 MR points/$ on airline spend).
#98
Join Date: Jul 2011
Location: SF Bay Area
Programs: UA MileagePlus (Premier Gold); Hilton HHonors (Gold); Chase Ultimate Rewards; Amex Plat
Posts: 6,675
CSR is required to transfer points to other loyalty programs so redemption values are much better when the points are under the CSR.
#100
Join Date: Jun 2004
Location: IAD
Programs: All of them to one degree or another
Posts: 447
Multiple UA cards?
Curious if anyone had any thoughts about the ability to use multiple UA cards (personal and business) to aid in buying down the PQP levels? Say you have a personal Club card and the Business Explorer cars, do you think they’d let you credit 1000 PQP from each?
#101
Join Date: Oct 2010
Location: LAX
Programs: UA 1k MM, HHonors Diamond
Posts: 256
#102
Join Date: Jul 2012
Location: SFO
Programs: UA Plat; *A Gold; Marriott Gold
Posts: 351
So you're thinking of stacking? Getting/keeping multiple cards to stack the max PQP credits? Assuming you can spend enough on each separate card to max out the PQP permitted, I'd say it would be one year before they'd close that loophole. And is the 500 or 1000 in extra PQP worth the huge amounts of spending you'd need to do on those cards, which spending wold earn more RDM on other cards?
#103
Moderator: United Airlines
Join Date: Jun 2007
Location: SFO
Programs: UA Plat 1.995MM, Hyatt Discoverist, Marriott Plat/LT Gold, Hilton Silver, IHG Plat
Posts: 66,850
but you need the spend on each card separately
#104
Join Date: Jun 2004
Location: IAD
Programs: All of them to one degree or another
Posts: 447
So you're thinking of stacking? Getting/keeping multiple cards to stack the max PQP credits? Assuming you can spend enough on each separate card to max out the PQP permitted, I'd say it would be one year before they'd close that loophole. And is the 500 or 1000 in extra PQP worth the huge amounts of spending you'd need to do on those cards, which spending wold earn more RDM on other cards?
Last edited by WineCountryUA; Oct 23, 2019 at 9:58 am Reason: merged consecutive posts by same member
#105
A FlyerTalk Posting Legend
Join Date: Aug 2003
Programs: UA 1K 1MM (finally!), IHG AMB-Spire, HH Diamond
Posts: 60,172
I may now still hold onto Select for the Choices option. But need to see if the 5k RDMs still get posted annually or not. If they do, this is a pretty low cost sock drawer card.