Reconsidering Chase MP Cards due to 2020 FF Changes
#151
Join Date: Jul 2013
Programs: DYKWIA, But I'm a "Diamond Guest" UA 1K/2MM
Posts: 2,258
Wow, that's clever ticketing on your part. I've booked 500k worth in the last year, averaging about 1.2. The flights that I buy with cash and Chase UR points earn far more miles than I could ever possibly use at 2cpp or higher. So I can't imagine ever converting a single UR point. I also can't imagine earning one more single mile with a United credit card or MP shopping or whatever.
I also bet that UA's "dynamic" award pricing will ensure that you will never, ever get more than 1.5cpp value for your miles. I guess we'll see.
#152
Join Date: Nov 2007
Location: TPA
Programs: United MP
Posts: 463
Partner saver tickets can be worth it. I was comparing some NH J tickets and it was a much better deal to transfer and use MP versus doing the conversion/purchase with Chase. Now with the dynamic awards on UA metal, that is another story, but the dynamic pricing is much more recent so in a historical sense they still could have had a lot of people transfer. Only Chase and UA really know.
#153
FlyerTalk Evangelist
Join Date: Aug 2017
Programs: AS 75K, DL Silver, UA Platinum, Hilton Gold, Hyatt Discoverist, Marriott Platinum + LT Gold
Posts: 10,515
Partner saver tickets can be worth it. I was comparing some NH J tickets and it was a much better deal to transfer and use MP versus doing the conversion/purchase with Chase. Now with the dynamic awards on UA metal, that is another story, but the dynamic pricing is much more recent so in a historical sense they still could have had a lot of people transfer. Only Chase and UA really know.
#154
Join Date: Nov 2007
Location: TPA
Programs: United MP
Posts: 463
Thanks for the heads-up, I didn't know you could book through VS.
#155
Join Date: May 2009
Location: Washington, DC
Programs: UA 1K 1MM, AA, DL
Posts: 7,418
IANAL, but can they really do that? My only direct experience personally is a Visa that I had about 15 years ago where the issuing bank was bought out by Citi. Citi converted the card to an Amex but transferred over the balance, payment history etc. Something like that seems more likely, or what they have been doing in prior years of watering down the benefits and jacking up the AF on the legacy cards to "encourage" the cardholders to switch to a different product or walk away altogether.
#156
FlyerTalk Evangelist
Join Date: May 2007
Location: Houston
Programs: UA Plat, Marriott Gold
Posts: 12,693
I sincerely hope so - Chase can put far more pressure on UA than any of us here.
If Chase starts losing annual fees, processing fees, interest and mileage purchases from UA, I could see them becoming very upset, very quickly. If the relationship with Chase goes south because of poor performance, I can't see Citi or Amex lining up for a United card contract without terms and conditions favorable to them.
If Chase starts losing annual fees, processing fees, interest and mileage purchases from UA, I could see them becoming very upset, very quickly. If the relationship with Chase goes south because of poor performance, I can't see Citi or Amex lining up for a United card contract without terms and conditions favorable to them.
#157
Join Date: Oct 2009
Programs: UA 1K, Hilton ♦ , Hyatt Carbonado, Wyndham ♦, Marriott PE, "Stinking Bum" elsewhere.
Posts: 5,000
I am really shocked that UA has such a weak rewards card. It really is almost worthless if you already have Gold status.
I wonder if UA was blindsided by the reaction to dynamic pricing. The minute they devalued the miles, the potential rebate for spend on their card went through the floor and savvy flyers started looking around for better options.
#158
A FlyerTalk Posting Legend
Join Date: Apr 2013
Location: PHX
Programs: AS 75K; UA 1MM; Hyatt Globalist; Marriott LTP; Hilton Diamond (Aspire)
Posts: 56,470
This whole trend started when UA killed the bonus points you used to earn for hitting a specified spend level. That's when I stopped spending on it. Killing the PQD waiver was nail in the coffin (though never relevant for me).
#159
Join Date: Jul 2011
Location: SF Bay Area
Programs: UA MileagePlus (Premier Gold); Hilton HHonors (Gold); Chase Ultimate Rewards; Amex Plat
Posts: 6,680
Up through this year, I have made sure to spend at least $25k on the card. But $0 of that has been UA tickets. In fact, as long as I have held the MPE card, I have not ever purchased a single UA ticket with it.
#160
Join Date: Oct 2009
Programs: UA 1K, Hilton ♦ , Hyatt Carbonado, Wyndham ♦, Marriott PE, "Stinking Bum" elsewhere.
Posts: 5,000
Even as 1K, I value the card for award CPUs. It just sucks for spend. UA should look at DL, which provides strong incentives for elites to actually use the card as opposed to leaving it in the sock drawer.
This whole trend started when UA killed the bonus points you used to earn for hitting a specified spend level. That's when I stopped spending on it. Killing the PQD waiver was nail in the coffin (though never relevant for me).
This whole trend started when UA killed the bonus points you used to earn for hitting a specified spend level. That's when I stopped spending on it. Killing the PQD waiver was nail in the coffin (though never relevant for me).
If UA IT had been able to resolve this problem, we may've kept our cards. But, their failures to rectify this situation, and the very poor training/education levels of GAs and phone agents who didn't know that CC holders are supposed to get added to the CPU list, cemented our decision to cancel once the devaluation got close.
RE: Other rewards programs.
I was just glancing at the Hyatt card and noticed you get 4X Hyatt Spend and 2X airline (equiv. to UA) and restaurants, etc., plus a free (Cat 1-4) night or two. Since Hyatt points are pretty much the most valuable points out there, this card has an excellent cash rebate value (with Hyatt points valued at 1.8 cents).
I looked at every other travel card in the last couple days because I am shopping around, and it appears to me that UA's is the absolute weakest travel card of all.
Different Subject:
I can't remember, but do you receive TOD offers into domestic F on awards, or are those precluded for award travel?
Last edited by zombietooth; Oct 30, 2019 at 5:56 pm
#161
Join Date: Aug 2001
Location: SFO/SJC
Programs: UA 1K & 2MM, Bonvoy Titanium & LTP, HH Gold, Accor Silver, Hertz PC, Avis PC
Posts: 2,350
For sure. As an example, 150K miles to Asia round-trip in J (or 170K in partner J) is sometihng you'd have to value at at least 1.8-2 cents. It's definitely tougher than ever before, but that's still my minimum threshold for redemptions. As Kacee said, the last minute domestic/NA redemptions are another great deal. Just used 25K miles for YOW-YYZ-SFO (with a full day in YYZ) in J on AC, when I was being asked for $600+ for a paid coach ticket.
#162
Join Date: Jan 2013
Location: Hawai'i Nei
Programs: Au: UA, Marriott, Hilton; GE
Posts: 7,145
ETA: Given that 61% of our spending is on CSR 3X travel and dining, those points are indeed worth a lot when redeemed in this manner.I caculate that for each dollar spent as described, 19.5 cents was accrued for the F ticket.
Last edited by 747FC; Nov 2, 2019 at 3:48 pm
#163
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
#164
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: 16,857
I don’t think many people prevented by 5/24 from getting the UA cards would spend a ton of money on them (once the sign-up bonus is earned). The vast majority of Chase/UA customers is probably far from 5/24 anyway.
#165
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: 16,857
UA Visa: use Chase Pay for United.com purchases and get 3X bonus