For my first Honest Review, I’ll come to a card I haven’t written about yet: the Chase Sapphire Reserve. Make that THE Chase Sapphire Reserve.
I’ve avoided mentioning it because, well, most of us can’t get it because of Chase’s prohibitive 5/24 rule. But, if you’re new to the points & miles world, wow. What a great place to start.
Or, if you can manage to get yourself a pre-approval in-branch (no dice here!), definitely pick it up.
You can tell if you’re really pre-approved is if Chase gives you a definite APR. If they give you a range, you’re pre-qualified, not pre-approved. You want that definite number.
Another strategy would be to say screw it and apply anyway. If you’re denied, have another Chase card waiting in the wings that isn’t covered by 5/24, which are at the time of writing:
- Chase British Airways
- Chase Hyatt
- Chase IHG
- Chase Fairmont
- Chase Marriott Business
- Chase Ritz-Carlton
That way the inquiries will hopefully combine and hey, at least you’ll have something.