Posted by William Charles on January 8, 2020
Credit Cards

Published on January 8th, 2020 | by William Charles

478

[Confirmed] Chase Sapphire Changes: $550 Annual Fee, Lyft Pink Membership, DoorDash Credit & More

Update 4: All of these changes have now been confirmed.

Update 3: Chase Cards Will Receive 5x or 10x on All Lyft Rides (CSR – 10x and Pink; Ink, Sapphire, Freedom – 5x)

Update 2: DD is reporting that the card will also earn 10x points per $1 spent on all Lyft purchases until 3/31/22

Update 1: Cardmember agreement now states that the annual fee is $450 to $550, seemingly all but confirming the annual fee increase.

Original post: Earlier today we shared the news that Chase Sapphire Reserve cardholders now get two years of DoorDash DashPass for free. There are a number of other changes rumored to be on the horizon:

  • Annual fee will increase to $550 for new users on January 12th, 2020
  • Annual fee will increase to $550 for existing users in April, 2020
  • Not possible to product change to the card until after January 12th, 2020 (new $550 annual fee will be charged)
  • Complimentary Lyft pink membership to be added on January 12th, 2020
  • $60 DoorDash credit to be added for 2020 and 2021 (this is is an annual credit that is valid from 1/12 – 12/31 each year).

Another source was saying that the DoorDash credit would be $10 monthly, so not sure if Chase changed how this would work or not. It’s also not clear if the $60 credit will be a yearly benefit or $5 monthly.

I’m fairly confident that the annual fee information is correct and the dates should be accurate, I’m less confident about the other information but still high likely.



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david
david

not that compelling but 1.5 cpp makes up for it, at least for me

Avi
Avi

Same here

OyVey
OyVey

This is true while you have points to burn. However for me the CSR has always been a keeper for travel protection etc, regardless of UR. Now I am not 100% sure.

Matt Katakis
Matt Katakis

Same here and an overlooked point it seems. Not sure there is currently a better option for rental car protection. But I don’t know if that is going to be enough for me to pay the increased fee this year.

Charlie
Charlie

I believe that the same travel protections exist on the CSP, the United Explorer, and United Club cards.

Not A Pro
Not A Pro

That’s getting a bit too expensive for me. The $450 AF was right on the edge. Unless they introduce something else of demonstrable value, I’ll use up my 150% points bonus and downgrade to the CSP when my renewal happens in November.

James
James

You are not actually getting 150% on every travel purchases anymore . Last summer the rental car rates on the portal were marked up about 40% which brought the price after the 1.5 cents per point almost the same price as on Expedia , hertz directly and other travel sites . Tracked this over a multi week period ( always book refundable rates because rental rates sometimes drop as you get closer to travel date )

Mars
Mars

You noticed this just for car rentals? Or hotel, flights as well

Joselito
Joselito

^^ +1. Similar story for plane tickets, at least the last couple times I searched–the fares aren’t marked up but there were lower fare buckets on the same flights (and same ticketing carrier) available from the airline and/or other channels vs. what Chase’s portal offered.

Alex Knight
Alex Knight

The chase portal IS expedia, that would be the reason for the price parity.

JM
JM

It isn’t on par, Expedia often offers lower fare buckets on the same flights, but you can’t book the cheaper ones using CSR portal.

H-Bomb
H-Bomb

The deep dark secret nobody wants to state is that it’s not really 1.5cpp, since the portal itself is usually marked up versus what you can get booking directly. Found this was true for both plane tickets AND car rentals; haven’t investigated for hotels.

John
John

I’ve only used points on flights, but the prices have always been the same for me on the portal vs direct with the airline. For context, I fly coach 3-4 times per year.

James
James

As someone who is relatively new to the travel game and Chase cards in general I’ll share my experience.

This summer I booked my first flight, a flight to Europe and was a bit upset because I noticed like you the price was a little higher than what Google Flights was showing me directly with the airline (not much maybe $50 or so). But as pointed out, Chase Portal is simply Expedia. So what Expedia has is what you see in the Chase portal. And what I noticed is that sometimes Expedia is slow to reflect the latest pricing.

A couple of months ago I booked my second flight to Japan this spring through the portal and this time the price was the same as that directly with the airline. So I don’t think it can be blanketly said that prices are indeed marked up in the portal. I will agree it is definitely not as straightforward as it seems though.

Ugh
Ugh

If this is it people are going to drop this card like never seen before

G
G

may be Chase’s plan? doubt the 450 makes up for all the benefit/redemption costs

yope
yope

the benefits are not that expensive tbh

Hawke
Hawke

No, it’s not but it always comes to if you can get the same or replaceable benefits for lower cost and the answer is yes even before the AF increase. So now it’s even worse.

har y
har y

hahahaha. sorry, just don’t want you to worry — Chase makes an extraordinary amount from this card, ditto its other cards. Now, it will just make even more money. Why? Because it can; the # who cancel will be negligible.

ddd
ddd

It’s doubtful there are many price sensitive users.

sehmec
sehmec

ddd, there are.

MisterBill
MisterBill

There definitely are since the effective price increase after $300 travel credit is from $150 to $250. So almost doubling the price.

Chunk
Chunk

It’s my first time churning a Sapphire card.. my understanding is that you are supposed to wait for the 1 year annual fee to hit.. and then to have 45(?) days to call in and cancel after you spend the 2nd year $300 travel credit? Isn’t that how to do it?

Eric
Eric

I am thinking about cancellation now.

roundtree
roundtree

There had better be modification to the earning rates for this kind of raise. Otherwise, I’ll be downgrading and I’m sure I’m not alone.

Ugh
Ugh

Not only will I be downgrading I’ll likely be moving off of the UR ecosystem altogether. I did the sapphire checking bonus too and moved a bunch to You Invest.

If this is case, it likely will be goodbye chase hello BofA preferred rewards

TJ
TJ

Yuck..BofA is not better… it actually worst than Chase.

Miso
Miso

BoA is fantastic if you’re preferred rewards eligible. My lowest earn is 2.63% CB…on EVERYTHING. My best is 5.25%CB. I’ve almost fully abandoned Chase. I definitely will be dumping the Reserve later this year.

Parkerthon
Parkerthon

I hadn’t even considered them but those bumped up rates are nice. I have an ira I could rollover to Merrill from T Rowe to meet the requirements for top tier. Anyone have any experience with them for retirement Investing?

Oliver
Oliver

I do not much care for BoA. However, I transferred an IRA to qualify in 2019. Look for a bonus for moving the money/stocks/ETFs to Merrell Edge.

PS I am not sure of the availability of T Rowe Price mutual funds at Merrell.

Damian
Damian

I don’t know — my 5.25% on all online purchases is pretty sweet (Cash Rewards) and 3.5% on travel, and 2.63% on other stuff (Premium Rewards) when there aren’t new account bonuses I’m working on at the time. Former has no fee, latter has a $95 AF that I address with the $100 airline incidental credit each year pretty easily.

Kevin
Kevin

Yeah, I was already strongly considering liquidating UR in favor of MR. My anniversary is the end of April so I’d be hit with the new fee. If these changes are accurate, I’ll use the 1.5x redemption to clear out URs.

Keith
Keith

Should be diversifying. Staying with 1 isn’t ideal. So many diffferent partners to transfer to out there. Need to have a couple. I do UR and MR

MisterBill
MisterBill

Except that being able to turn the 5% UR earned on the Freedom card as 7.5% made this card very useful. So it definitely paid to stay with UR.

Geo
Geo

I believe that is what Chase is hoping for/counting on. The customers they want to retain won’t likely notice the increased fee.

Froide
Froide

Precisely. Chase is culling the herd.

frogger
frogger

Not sure why you wouldn’t go with Amex Platinum if you aren’t concerned about cost. You get more lounges and more benefits.

op[
op[

what’s better about amex? The book through amex’s portal is a turn off for me

JM
JM

Plat’s annual fee comes with hotel status, better lounges(centurion and delta in addition to priority pass) saks, and uber credit.

Charlie
Charlie

And Amex has even more silly merchant-specific credits than Chase is about to introduce.

Jan
Jan

But you don’t get food in lieu of lounges, as Amex cut that benefit.

TRB
TRB

I just use this card for the travel protections and travel spend. The wife has it as well. I have noticed the earning rates shopping online are much higher via the Freedom, we use the Freedoms for everyday spend and 5% and then transfer it all over to my CSR. She’ll be ditching hers, we live in Arkansas, doordash and lyft is crap for us and the travel credit doesn’t make up the gulf now between the two. If they had upped Gas to 3x, maybe. She can still transfer her freedom and ink spend over to me.

Curious
Curious

“Not possible to product change to the card until after January 12th, 2020 (new $550 annual fee will be charged) ”

Does this mean you cannot change to CSR after 1/12 or that you will be charged $550 if you change after 1/12?

Tim
Tim

They’ve frozen the PCs while they implement the changes. After 1/12 you will be able to PC and be charged the $550 fee (presumably).

Hawke
Hawke

I was going to downgrade this card to other no AF Chase card since I got my Chase Ink Preferred. But because of this change, I am going to keep it for another year lol (My AF due in February)

Brad

Same February AF here. Already used my travel credit and was going to PC but I’ll keep it for one more year at $450.

parrothead
parrothead

Damn I think my annual fee is in May

ABC
ABC

Oh well, if true, time to cancel. DoorDash isn’t worth anything. Restaurants compensate by increasing prices for DD delivery.

Mike
Mike

You can pick up with Doordash and save the delivery fees. However with the complimentary DashPass, maybe there’s no delivery fees anyway. Still pick up would not require a tip though.

Laurel
Laurel

Don’t tip on DoorDash!!!!! DoorDash keeps your tip and doesn’t pass it on to the driver!

https://www.forbes.com/sites/bizcarson/2019/06/27/doordash-tipping-policy-pay-model-controversy-changes/#4d3ac8175220

William Charles maybe worth making a post pointing this out since the new benefits on CSR mean a lot more new people using DoorDash than before.

Mike
Mike

Hey Laurel, I last read that DoorDash is changing that policy. They were previously using tips to meet their guaranteed pay. That should no longer be the case.

Matthew
Matthew

Lol if you believe them.

Donald Dorsey
Donald Dorsey

This is old news.. They changed policy after the negative attention

YORK HONG
YORK HONG

But the issue is that many people don’t tip on Doordash at all. So when I delivery for Doordash I wouldn’t even accept the delivery request that doesn’t tip beforehand because it shows I’m only getting $2 – $3 per trip.

Matthew
Matthew

The whole idea of “pre tipping” makes no sense though. I get it from the deliveryman’s pov but in a restaurant I tip after dinner and can evaluate the service relative to my tip.

Andrew
Andrew

Sadly, because people are so poorly compensated in the industry, you should be tipping on every meal or service regardless. Don’t be the cheap one.

Z
Z

No.

It’s not on the consumer to make sure the delivery driver or waiter is “fairly compensated”. The delivery driver doesn’t come argue for a raise for me at work, so I’m not going to argue for one for him. Take care of your own career. If you want to be paid more, talk to your manager. If they won’t pay you more, work somewhere that will. If no one will pay you more, you were mistaken in thinking you should be.

Parkerthon
Parkerthon

Honestly I’ve never understood tipping delivery drivers either. I can’t really tell if food is hot. And the delivery time is usually out of their control. Not saying I don’t tip(I tip 20% usually), but I wish it was just included in prices. To that end I wish doordash just didn’t offer options to tip until after delivery(like Lyft).

frogger
frogger

All these food delivery things seem like an unsustainable business. If you are getting even $5 for delivery how are you making money? And they charge customers deliver fee, tip and then higher prices at restaurant. Doesn’t seem like a good business model for anyone.

Laurel
Laurel

Oh oops seems like they did change their model later after initially sticking to it.

https://www.theverge.com/2019/8/22/20828742/doordash-tipping-policy-change-drivers-earning-more-money

So they just guarantee less now, so if you don’t tip no one will pick up your order because they can see that you don’t tip, but if no one picks up your order they will keep increasing the guaranteed amount until someone bites, so I guess the new mantra is tip if you’re impatient, or don’t tip if you’re game to wait and have DoorDash foot the bill. So, I will still be tipping only in cash because I almost never am in a hurry to get my food but if you tip on the app it will now go to the driver unlike before so this is mostly positive news.

FrugalGuy
FrugalGuy

I actually work for Doordash as a courier.

We have no way of seeing tips prior to accepting a delivery job. We only see a “minimum guarantee pay” which can be higher, although 95% of the time the minimum guarantee is the actual pay. The minimum guarantee pay includes payment from doordash and the tips.

The only time we can see tips is when we actually end our “dash” (shift) after each delivery job. Some dashers do this but it is time inefficient.

If we were to do multiple delivery jobs on the same dash. All the tips would be added together so we would not know who tipped or who didn’t.

Doordash has now “increased” pay from a minimum of $1 contribution from doordash not including tips to $2 contribution not including tips after the backlash about their tipping policy.

I’d rather they just go back to a flat rate delivery pay of $5-10+ Tips but I understand they want to IPO and need to make a profit. They are bleeding money in a majority of markets but that is another discussion.

Hope this helps.

frogger
frogger

Seems like a failed business model that has a lot of competition. I am not sure so many companies want to get into a money losing business. I guess with the low interest rates and high stock prices people don’t know what to invest in and they get sucked into bad ideas.

Sara Green
Sara Green

So would it be better for your bottom line for us to tip with cash? (You pick up a job knowing the minimum guarantee & then get extra)

jcb
jcb

I always prefer to tip the delivery guy in cash on arrival, is this appreciated?

Ted
Ted

That article is old and those tipping practices have already been rectified since the scrutiny.

https://www.nytimes.com/2019/07/24/nyregion/doordash-tip-policy.html

Daniel
Daniel

If you tip, give cash, driver’s love cash tips

danny
danny

ive done doordash as a driver for a bit and almost no one tips in cash

Z
Z

Honestly, don’t tip because it’s an archaic practice that needs to go.

Joseph
Joseph

No, ABC is saying the prices are inflated 20% on Door Dash whether you do pickup or delivery. There is no explicit delivery charge with Sapphire cards going forward anyway.

Nil
Nil

Does it make sense to apply before 12th then?

Al
Al

If you can get value out of it for the year, then yes. The current fee of $450 is only $150 that’s non-reimbursable. The new fee of $550 is $250 that’s non-reimbursable. You’ll have to see if it’s really still worth it to you at that point.

This card became incredibly popular when it first came out and the biggest surprise was how many people kept it after the first year. This additional fee sounds to me like it’s going to cause some downgrades or cancellations around renewal time.

VL
VL

If you double dip on a travel credit with old fee you come $150 ahead not to mention all other benefits for the year and 50K UR… if I did bot have it already I would definitely signed up asap.

Good luck.

G
G

Oh well. It’s been fun, CSR.

MoreSun
MoreSun

What a sad thing to do to a great card. Ciao CSR if it comes true 🙁

AnameOfaguy
AnameOfaguy

No kidding. I got this card for its simplicity and range of benefits. Adding all these breakage benefits while removing the value-added ones is a major turnoff. With all of the other lost benefits in the last year it becomes an easy choice to PC, liquidate points, and then close.

Shawn
Shawn

Having had the card since its debut, can you please explain to me the “lost benefits” you’ve encountered? I hold a surplus or cards, as well as the Amex Platinum, and undoubtably feel that even with an added $100 to the AF, this car is by far leading the pack.

What are the lost benefits over the last year you speak of? Price protection? Every card issuer discontinued it and it was worthless.. Priority Pass limitations?

Charles
Charles

Price protection was not useless. I used it all the time. Loss of unlimited guests at PP. Lack of UR earned on the $300 travel reimbursement. It’s death by 1,000 cuts.

Lyft pink, I mean, come on. That’s just a pathetic benefit.

Shawn
Shawn

Again, price protection was cut from nearly every card issuer that had it. Citi, Discover, etc. Great if you used it, I’ve never found it useful with any card that offered it. The PP limitation is a benefit to me, the lounges were constantly overcrowded and generally speaking, if you have a family, the majority of the time your significant other has a PP card as well, allowing your kids in. There’s no reason that one person with priority pass access should truck their family vacation of 8 into a lounge. I’ve seen it happen. The 900 UR points you would have earned on the $300 travel credit is that much of a deal breaker? We shouldn’t have been earning them in the first place.

Yes, I agree that losing benefits is a bummer, adding additions like DoorDash and Lyft are bogus, but in my opinion, even at a $550 AF, it’s the best travel rewards card out there.

You need to stay competitive in the market, which is why the AF is being raised. Same with the platinum and the prestige. Let’s not get all huffed up about losing a few perks. If you’re not using the card enough to leverage the 3x points on travel and dining over the CSP, you shouldn’t have had the card in the first place.

internist
internist

Found the intern!!

FrugalGuy
FrugalGuy

Price Protection saved me close to $1000 in the short 2 years it was available to me.

Lyft pink pass is of no value to me considering I would’ve never bought it in the first place.

Although I agree CSR is still one of the better cards out there but the gap between CSR and other flagship cards are narrowing with this change.

Staying competitive is offering a better product at a cheaper price like Denzel Washington did in American Gangster.

Rasta
Rasta

Love the Denzel Washington reference. LOL

Shawn
Shawn

Staying competitive in the market doesn’t mean offering a better product at a cheaper price. It means offering a better product. Chase, like Citi all raised their AF’s. FFF the Platinum card went up to $550 and with my AU, I pay $725. Everyone jumped for joy over the 5x airline fee even though it offered no travel protection.

I think mass market for these cards is becoming increasing greedy. If you’re not leveraging the perks, move on. Lets’ not whine about them.

Consider the fact that we’re one of the few countries that offer such lucrative CC benefits.

Yuri
Yuri

No, it’s not the best anymore. Altitude Reserve becomes the best, and Prestige at the second place.

Soldja
Soldja

Shhhh…. we don’t want everyone flocking to AR…

Rasta
Rasta

Why?

Jan
Jan

Amen. Agree 100%.

AnameOfaguy
AnameOfaguy

As I note in addition to the loss of benefits, adding the breakage benefits (e.g. Doordash) is a turnoff to me. The effort to use these costs me more than they are worth. My experience Lyft is that I get cars I don’t feel safe in. Uber’s been trending that way too, but at least there I can cancel without penalty (thanks Amex).

Price protection was not worthless for me. I received a few thousand in price protection over the last 4-5 years and I didn’t even use any of those automated applications. I just paid attention to big-spend (>$300) items and got lucky a dozen or so times. Heck of a lot easier to submit a claim for than trip delay insurance (what a nightmare in my experience).

Loss of points on the $300 credit was an effective ~$15 fee increase.

Priority pass has not been that useful for me domestically and it is available through plenty of other products and thus I generally consider it redundant.

I’ve had less success finding deals with the Chase travel portal since they moved to Expedia. Obviously YMMV, but for me a devaluation.

All this in what amounts to a $265/year card. The one nice thing is the primary rental insurance, but I wouldn’t spend $265/year in personal primary rental insurance anyway, so makes sense to remove from the wallet and make life simpler.

Geo
Geo

Fare-thee-well. Chase won’t miss ya and will hopefully make it more profitable to keep benefits for the rest of us.

AnameOfaguy
AnameOfaguy

Glad you value it. Don’t care if they don’t miss me. My wallet will be thinner, my bank account a few dollars fuller, and I won’t miss them either.

Shawn
Shawn

So I’m a bit confused — we’re in agreeance that Lyft and Postmates are silly, but you’re canceling because of Expedia and Price Protection (which you likely won’t find on any card)?

Also, Expedia as been an added bonus in my opinion. I don’t use the travel portal often, but before Expedia was added, the price of booking anything was far greater than listed on any booking website. Chase could never give an answer as to why I was paying $100 more a night on a hotel. At least now the rates are comparable. Again, just my opinion on the Expedia situation. I don’t use it too terribly often, but have found much more cost effective.

someones1
someones1

UR Expedia portal doesn’t have most LCCs and is lacking a ton of international rental car locations. The old portal if you found a flight elsewhere that wasn’t showing in the portal you could call in and they would book it for you. Can’t do that now.

James
James

I don’t know about hotels, but the airlines are a cost wash between before and after Expedia for me. Sometimes it was higher, sometimes it was lower. UR portal does feel closer to Google Flights but I’ve noticed airlines are feeding Google bogus data (looking at you Delta).

AnameOfaguy
AnameOfaguy

James, just as a PSA: American, United, and now Delta are all linked to corporate accounts via Concur. Assuming you work for a business that uses Concur and their policies allow personal bookings on corporate rates, it’s almost always cheaper to book direct for domestic. Most of the time I only save $8-10 RT, but for the holidays, I managed to save nearly $120 RT. Regardless, these savings almost always trump whatever advantage I find booking flights through portals, especially since it’s still a direct booking.

AnameOfaguy
AnameOfaguy

What’s hard to understand? The loss of price protection lowered the value of the card to me. Yes, it lowered all other cards too, which lowered their value proposition as well.

The question is: do I receive more value out of the card than the new fee of effectively $265? I’d have to spend ~$18,000 on hotels to break even with how i value Marriott points which I don’t (I see JPM RC card as a free card with the free night and travel credit). I get 4x on restaurants on the $150/year Amex Gold (thanks Corporate Advantage) so considering I value UR a bit more than MR, I’d have to spend about $20k on food to break even. The simpler answer is just to thin out my wallet and drop the CSR.

The value proposition is different to each person. I find value in having Amex Gold ($150/yr), Amex Plat ($400/yr), Amex Blue Business ($0) and JPM RC ($150 effective + a free 50k night) in my wallet.

Shawn
Shawn

Nothing wrong with switching over to primarily MR — just trying to figure out the logic behind it and your big deterrents for bailing on UR.

CanalStreet
CanalStreet

BTW, the Hyatt Card still has price protection.

James
James

We had better results finding good prices on the portal before Expedia

VL
VL

Trip delay and trip cancellation benefits are great on CSR. Alone saved me over 2K on a last trip. It does not happen often, but a great piece of mind especially when book in advance. And the insurance company they deal with do not nickle and dime… butyou need to be organized, keep receipts and do your home work – just read once in advance to know what is covered.

So 550af is worse than 450af, butno questions still the best travel card around.

Also do not get the idea of burning the points… i would rather use it over next few years in a smart way with1.5x

I guess everyone has their use cases, but you were surprised how many people kept it in 2017… you will be again.

Celia
Celia

VL Thanks, that reminds me that I’ve used the trip insurance for my parents’ cruises. In their 80s the insurance is too high so I pay for their trips with my CSR and majority of the benefits covers them (trip delay and cancellation being the most important). With that realization, I may have to keep it.

debit
debit

Good news. I was really looking forward to the pink lyft pass, whatever that is.

Me
Me

That makes the only sensible Priority Pass Select membership with restaurant be the one from Ritz Carlton. Let’s hope that one do not devaluate!

Shiv Kumar
Shiv Kumar

Can’t apply for the Ritz directly though, right? Have to apply for a different Marriott card and hope they allow upgrading to it after a year or so.

Nil
Nil

Altitude reserve has 10 free visits that can include restaurants. So if you travel tidbit, that would work out.

Brandon
Brandon

I think Altitude Reserve offers 4 free visits per year.

Lrdx
Lrdx

10 visits are the two $95 Hilton cards, not the USBA. (And as they are AmEx, restaurants are excluded.)

TW
TW

Citi Prestige
$495 AF
$250 cal yr (flight, taxi, hotel, car rental, parking, tolls, etc)
5x dining & air
3x Hotels & Cruises
No Foreign transaction fees
4th night free (2x/yr, must book online, no elite benefits, doesnt earn qualifying nights or points)
Priority Pass w/restaurants
$1500 cell protect (up to 5 phones)
GlobalEntry or PreChk reimbursement every 4yr
Damange/Theft Purchase Protection
Extended warranty

If you can get $245 value out of 2x hotel stays or w/Priority Pass, it pays for itself. Otherwise, it’s a crapshoot with most cards these days. Annual fees have risen so high, they cost you more than the “benefits” you’re receiving.

satellite
satellite

They removed the following benefits recently: Car Rental Insurance, Trip Cancellation & Interruption Protection, Worldwide Travel Accident Insurance, Trip Delay Protection, Baggage Delay Protection, Lost Baggage Protection, Medical Evacuation, Citi® Price Rewind, 90 Day Return Protection, Missed Event Ticket Protection, Roadside Assistance Dispatch Service and Travel & Emergency Assistance. That’s a huge list of lost benefits for a premium travel card.

yope
yope

If you’ve ever tried to use those benefits you’ll quickly realize they’re not meant to ever be used. They make it such a pain and straight up never reply. Relying on your credit card for insurance isn’t the way to go.

Not saying they’re worth nothing, but in reality no one lost anything.

Bill
Bill

I’ve used those benefits before and it’s really not that bad, but yeah, you definitely need plenty of documentation and to respond quickly to their questions.

At this point though, the Platinum card gets my airfare and the Prestige gets my restaurant and hotel. Plus, you get an extra 10% back when you transfer if you have the Rewards+, and if you can use the hotel benefit, you can get the cost of the card down to zero. I don’t get the allure of the CSR.

frogger
frogger

I used the rental insurance on my Amex and it was awesome when I had a claim. They handled everything on their end.

Rasta
Rasta

LOL, this made me laugh, in a good way. Maybe they should focus on what they have as “benefits” and improve them.

TW
TW

Figured listing only what the card *does have* was more valuable than a wall of text on what it used to have and doesn’t anymore.

Joe L.
Joe L.

The Citi Prestige Card reimburses every FIVE years for Global Entry, not 4 years! Citi is the ONLY credit card issuer that does it every five years. That is a problem when it is time to renew for Global Entry.

Ben
Ben

Citi is NOT the only credit card issuer that does every 5 years. Perhaps the only premium card that does, though.

Joe L.
Joe L.

The Prestige Card is the ONLY premium card. Now, name me any other card other than the Citi AAdvanatge Executive Card. The point is that Citi is stupid!

TW
TW

Let’s be honest, a ton of cards have this perk now. By the time your Global Entry comes up for renewal, you won’t even remember which one you used. Your cards may have all rotated entirely, in fact. I’ve only got a couple that are over a decade old.

op[
op[

Less impressive than it looks: 5x AIR TRAVEL. Not 5x travel. For people who like to travel by train, boat, etc. you’re only getting 1% back.

TW
TW

Or for people who like to eat out, 5% is the highest I know of for any card.

Yuri
Yuri

Also 5x on travel agencies, which is very very useful.

Yuri
Yuri

5x on travel agencies too.

Matt Katakis
Matt Katakis

This is the best premium card for the money with its offerings currently. I will say though, I’m still disappointed that they discontinued car rental insurance. For a premium card, it should be automatic. If it still had the insurance, it would easily be the best.

Pahanin
Pahanin

Is there really still a way to get the ritz card?

Matt
Matt

Phew! I just product change upgraded to CSR yesterday for an upcoming trip. Just in time!

Cliftonmcdnl

Lucky! I tried earlier today and no luck, could only change to the CSP.

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