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Forum ยป The Chase Sapphire Reserve is the GOAT credit card
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Thread: The Chase Sapphire Reserve is the GOAT credit card

post 1463217143 09-21-2016, 06:30 AM
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#151
  1. TheAmericano
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Originally Posted By JimFromRaleigh1⏩
The southwest card is on my radar.
go for it dat der Companion Pass (hnnnggggg)
- I'm sorry; I couldn't hear your complaints over the sound of all this freedom!

~ Merica


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post 1463217433 09-21-2016, 06:34 AM
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#152
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Originally Posted By TheAmericano⏩
go for it dat der Companion Pass (hnnnggggg)
Just saw you get 50,000 pts for spending 2k, lol that is too easy to do within 3 months.
post 1463219513 09-21-2016, 06:58 AM
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#153
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Originally Posted By TheAmericano⏩
op if you are planning on getting on dat der travel rewards card...you'll need more cards that just this one. The secret is have a chit load of these travel rewards cards and combing the bonus and miles.


Also many have 50k-100k points bonus when you spend $2k-4k in 3months so look into that as well

The other cards:
- British Airways Visa Signature
- citi Advantage
- Southwest Airlines Rapid Rewards (great for traveling inside the US)
...and so on.






- Chase Ink Plus (prob the best biz travel card)
- Citi Business Advantage
There aren't many good offers out right now besides the CSR. I would wait

I have an Ink card. Its pretty legit
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post 1463219823 09-21-2016, 07:03 AM
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#154
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Anyone ITT care to help a CC-using noob out? Just read the whole thread, and although I'm not yet ballin or CEOin, I see the potential to earn/save and take advantage of CCs. But...I'm a full-on noob and need guidance. Anyone care to point me in the direction of a good resource on how to use these and not get burned ever? Kthx.
post 1463220473 09-21-2016, 07:11 AM
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#155
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Originally Posted By malfee⏩
Anyone ITT care to help a CC-using noob out? Just read the whole thread, and although I'm not yet ballin or CEOin, I see the potential to earn/save and take advantage of CCs. But...I'm a full-on noob and need guidance. Anyone care to point me in the direction of a good resource on how to use these and not get burned ever? Kthx.
This is really all you need to know as a noob.

Credit cards are a safer and better way for paying your expenses that you would pay with a debit card or cash. A CC has federal protection against fraud that is not afforded to cash or debit card transactions.

Credit cards allow you to earn rewards points or a percentage of cash back that you do not get with debit/cash.

What you want to do is to control you spending by using your card to purchase items you normally do and when you get your CC statement, pay it offin fullevery month to build your credit. By paying off your bill, in full, every month you avoid paying interest.

After a year or 2 of doing this, your credit score will increase, which will allow you to get great financing terms when you go to buy a house/car.

If you want to get your feet wet, go to your local bank or credit union and apply for a card which has zero annual fee. Once you have shown you can pay your bill in full monthly, you will be eligible to get the true baller cards.
post 1463220673 09-21-2016, 07:14 AM
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#156
  1. TheAmericano
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Originally Posted By malfee⏩
Anyone ITT care to help a CC-using noob out? Just read the whole thread, and although I'm not yet ballin or CEOin, I see the potential to earn/save and take advantage of CCs. But...I'm a full-on noob and need guidance. Anyone care to point me in the direction of a good resource on how to use these and not get burned ever? Kthx.
If you're looking for travel rewards google "thepointsguy"



As for CC basics:
- Spend as much as you know you'll be able pay back at the end of the month.

- Constantly use online banking to check on the card at least once a week

- Never do cash advances

- Spend as much as you know you'll be able pay back at the end of the month.


and finally




Spend as much as you know you'll be able pay back at the end of the month.
- I'm sorry; I couldn't hear your complaints over the sound of all this freedom!

~ Merica


- Everybody wants to make it, but nobody wants to put in the work!
post 1463221093 09-21-2016, 07:19 AM
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#157
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southwest card sucks at building points

and it also sucks at redeeming them
post 1463222303 09-21-2016, 07:34 AM
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#158
  1. mike0093_OLDONE
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I have the Capital One Venture Rewards and it is pretty solid. First year no fee ($59/yr after that), $400 bonus towards airfare or hotel accommodations as well just for signing up. 2X Miles per dollar spent (I spend roughly $2,500 per month on it) so that equals $300/yr in free airfare. I let it accumulate over the last year and will be traveling Europe for almost nothing this summer. Once I start traveling for work I will be putting all my expenses on it as well. Free vacations coming my way boyos.
post 1463222553 09-21-2016, 07:35 AM
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#159
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Originally Posted By JimFromRaleigh1⏩
This is really all you need to know as a noob.

Credit cards are a safer and better way for paying your expenses that you would pay with a debit card or cash. A CC has federal protection against fraud that is not afforded to cash or debit card transactions.

Credit cards allow you to earn rewards points or a percentage of cash back that you do not get with debit/cash.

What you want to do is to control you spending by using your card to purchase items you normally do and when you get your CC statement, pay it offin fullevery month to build your credit. By paying off your bill, in full, every month you avoid paying interest.

After a year or 2 of doing this, your credit score will increase, which will allow you to get great financing terms when you go to buy a house/car.

If you want to get your feet wet, go to your local bank or credit union and apply for a card which has zero annual fee. Once you have shown you can pay your bill in full monthly, you will be eligible to get the true baller cards.
Originally Posted By TheAmericano⏩
If you're looking for travel rewards google "thepointsguy"



As for CC basics:
- Spend as much as you know you'll be able pay back at the end of the month.

- Constantly use online banking to check on the card at least once a week

- Never do cash advances

- Spend as much as you know you'll be able pay back at the end of the month.


and finally




Spend as much as you know you'll be able pay back at the end of the month.
Thanks for the tips, brahs. I'm also perusing Reddit's r/churning section and learning myself proper.
post 1463222873 09-21-2016, 07:39 AM
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#160
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Does the $450 that's charged for annual fee count toward the $4k?
post 1463222963 09-21-2016, 07:40 AM
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#161
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Originally Posted By malfee⏩
Anyone ITT care to help a CC-using noob out? Just read the whole thread, and although I'm not yet ballin or CEOin, I see the potential to earn/save and take advantage of CCs. But...I'm a full-on noob and need guidance. Anyone care to point me in the direction of a good resource on how to use these and not get burned ever? Kthx.
Simple. Spend as you normally and reasonably would if you didn't have a credit card and spend only what you can pay off in full every month.
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post 1463224243 09-21-2016, 07:54 AM
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#162
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Originally Posted By BongoBanger⏩
i have the sapphire, i just got it about 2 years ago, i want to get the reserve but im not eligble for their bonus since i just got the sapphire bonus (3 years between bonuses ). I just got a British Airways card for their bonus not knowing this, and chase cucked me out of my points.
This isn't true. They are two different cards. And I applied and got both the chase southwest card for and the chase sapphire preferred card. Both for 50k/40k bonuses
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post 1463225693 09-21-2016, 08:08 AM
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#163
  1. TheAmericano
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Originally Posted By mike0093_OLDONE⏩
I have the Capital One Venture Rewards and it is pretty solid. First year no fee ($59/yr after that), $400 bonus towards airfare or hotel accommodations as well just for signing up. 2X Miles per dollar spent (I spend roughly $2,500 per month on it) so that equals $300/yr in free airfare. I let it accumulate over the last year and will be traveling Europe for almost nothing this summer. Once I start traveling for work I will be putting all my expenses on it as well. Free vacations coming my way boyos.
Venture is ok but the low redemption rate makes it almost not worth at all.

- Chase is king in travel rewards, then citi
- I'm sorry; I couldn't hear your complaints over the sound of all this freedom!

~ Merica


- Everybody wants to make it, but nobody wants to put in the work!
post 1463228893 09-21-2016, 08:38 AM
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#164
  1. JimFromRaleigh1
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Originally Posted By everblue⏩
Does the $450 that's charged for annual fee count toward the $4k?
That is a great question.

I will call and find out
post 1463229873 09-21-2016, 08:44 AM
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#165
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Originally Posted By JimFromRaleigh1⏩
That is a great question.

I will call and find out
No, only purchases
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post 1463233553 09-21-2016, 09:12 AM
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#166
  1. TheAmericano
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Originally Posted By JimFromRaleigh1⏩
That is a great question.

I will call and find out
it doesn't from what i remember. Also balance transfers don't count either. You have to make $4k in purchases with the card
- I'm sorry; I couldn't hear your complaints over the sound of all this freedom!

~ Merica


- Everybody wants to make it, but nobody wants to put in the work!
post 1463234693 09-21-2016, 09:23 AM
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#167
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Mines coming today. Live in NYC so spend a ton of $$ eating out, taking ubers and using metrocard so absolutely worth it
post 1463244313 09-21-2016, 10:35 AM
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#168
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damn 5/24 rule. I could upgrade from my CSP but those rewards points are hnnnnggg. Maybe i'll sign up wife.
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post 1463250413 09-21-2016, 11:18 AM
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#169
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Citi Prestige
Chase Sapphire Reserve
Citi American Executive World Elite

Only 3 cards you should have. The combined sign up bonuses have paid for like 10 round trip flights for me. You guys should check out the 2 citi cards
post 1463273633 09-21-2016, 01:43 PM
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#170
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Got approved immediately earlier on. Called them up to rush it before my work trip next week.

brb getting 90 dollar uber rides reimbursed automatically
brb getting reimbursed by my work for the 90 dollar uber ride that i was already reimbursed for by chase
psn: mdksniper
post 1463274193 09-21-2016, 01:47 PM
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#171
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Originally Posted By Ralph
Got approved immediately earlier on. Called them up to rush it before my work trip next week.

brb getting 90 dollar uber rides reimbursed automatically
brb getting reimbursed by my work for the 90 dollar uber ride that i was already reimbursed for by chase
Do you show then receipts from your statement or for the app for reimbursement?

I ask because they refund you the travel credit within a day of showing up on your statement
post 1463388791 09-22-2016, 09:27 AM
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#172
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Originally Posted By JimFromRaleigh1⏩
Do you show then receipts from your statement or for the app for reimbursement?

I ask because they refund you the travel credit within a day of showing up on your statement
Show them receipts and my statement. Cross out anything on my statement that has no relevance to my work trip.
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post 1465071481 10-04-2016, 03:48 PM
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#173
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Saw this thread and looked into this card.

My Amex platinum isn't accepted everywhere (some restaurants, etc) and that gets embarrassing after a while.


Filled out an app last week, got a phone call today to verify fraud and was approved over the phone with $25k limit.

Let the games begin boyos
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post 1465076461 10-04-2016, 04:33 PM
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#174
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Originally Posted By Holyfenix⏩
LOL, Paying for the privilege to use a credit card, and a Visa at that. Finance not even once.

The only card worth paying for is Amex, because their customer service is next to none. BRB Company A overcharged me! Amex rep: here let me cancel the transaction immediately, return the funds, and we will get it resolved for you. Thank you for using American Express.

VISA BRB: Company A overcharged me! Visa Rep: Ok we will put a hold on the transaction, we will need receipt proof they overcharge you, if the charge was indeed fradulent it will take 7-10 days to return the funds to your CC.

lol at you.
I can confirm American Express customer service is among the very top I've ever used, probably only matched by Vanguard.

I use Amex, I'm strictly looking for the best cash back and I think they are up there, I have the $75/year clear preferred. Something like 2,3, and 6% cash back depending on what you buy and where and I doubt it gets better than that.
post 1465077041 10-04-2016, 04:38 PM
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#175
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Originally Posted By Hadtodoit⏩
I can confirm American Express customer service is among the very top I've ever used, probably only matched by Vanguard.

I use Amex, I'm strictly looking for the best cash back and I think they are up there, I have the $75/year clear preferred. Something like 2,3, and 6% cash back depending on what you buy and where and I doubt it gets better than that.
My only two issues with my Amex is:

1. The no credit limit is great on one hand, but there's a constant fear for me that my next purchase will flag their "spending habit" algorithm and it'll be denied. It's not a massive deal, make a phone call, sort it out, and run it again. But that's embarrassing during a business dinner or whatever I'm up to.

2. Lots of my favorite little haunts aren't taking it anymore. Whatever, I have 3 other cards. But now cash is going there and not earning me the points on the Amex- which makes it just a card with an annual fee. I've had a couple 'episodes' as my wife would call them, where when they say they don't accept it, I'll just leave the pile of merchandise and walk out.
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post 1465145391 10-05-2016, 03:51 AM
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#176
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Originally Posted By TheAmericano⏩
go for it dat der Companion Pass (hnnnggggg)
whats so good about companion pass?
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