sapphire reserve

Tag Archives for sapphire reserve.

6 Ways to Save Big on Dining: Find Faves, Get Points + Cashback With Every Visit

Eating out is probably my biggest weakness. I give myself a couple of things to spend relentlessly on. And beyond that, I save like a madman.

My 2 things are: eating out and travel. I do well stocking up at Costco and cooking at home most nights. But my god if a good happy hour deal doesn’t get me.

I pay pennies on the dollar when I travel. Dining is easy, too. By enrolling my cards once and having a few go-to places, I get discounts close to 20% off in the form of points, miles, and cashback – and the savings add up!

save on dining

I love happy hours at this cantina. Plus, I get points, miles, and cashback every time I visit

It’s not hard. Here’s how to do it.

Dining programs + cashback app + points card = big dining discounts

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Which Chase Card Is Best When You’re Starting With Points?

In general, I tell most peeps to start with the Chase Sapphire Preferred. It’s the quintessential points card, even after all these years. And you can transfer the points you earn directly to airline and hotel partners at a 1:1 ratio – most of them instantly.

If you spend a lot in travel & dining, or if you want lounge access, spring for the Chase Sapphire Reserve. Here’s how to find the break even point with the annual fees ($95 for the Preferred and $450 for the Reserve, but you get a $300 annual travel credit).

which chase card is best

I transferred Chase points to Hyatt to stay 3 free nights at the Hyatt Ziva Puerto Vallarta

Already have one or the other? Then get the Freedom or Freedom Unlimited. The only difference is the bonus categories. Freedom has 5% rotating quarterly categories. Freedom Unlimited earns 1.5 points per $1 spent – and you can combine the points with your Sapphire card points. So they’re an easy way to boost your Ultimate Rewards points balance fast. And both cards have a $0 annual fee!

If you’re looking for a small business card, get the Ink Business Preferred or Ink Business Cash. The former earns points that transfer directly to travel partners and has a $95 annual fee; the latter requires you to have a premium Chase card to access travel partners, but a $0 annual fee.

If you just want to earn cashback, spring for any of the cards with a $0 annual fee (Freedom, Freedom Unlimited, or Ink Business Cash).

But to get awesome travel (think international Business Class flights, upscale hotels, and cheap flights to Hawaii), you want one of the annual fee cards (Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred). The annual fees are worth it for the huge travel savings you can get. It’s how I got a $2,000+ Mexican vacation for $90!

Which Chase card? Here’s a flowchart

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7 Easy Tricks to Use 50,000 Chase Ultimate Rewards Points for Cheap Travel

Right now, a few Chase cards have sign-up bonuses with 50,000 Chase Ultimate Ultimate Rewards points. These are by far my favorite kind of points. And the ones I focus on collecting above all others.

The Sapphire Preferred, Sapphire Reserve, and Ink Business Cash all offer a 50,000 point sign-up bonus after meeting minimum spending requirements. That got me thinking how I’ve used Chase points in the past.

use chase rewards

I’ve used Chase points to spend time in Austin via British Airways, Hyatt, and Southwest

Here’s more about each card, as they all have different fees and earning rates. And ideas for how to spend those bonus points!

3 Great Chase Offers

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What’s the Break Even Point for Chase Sapphire Cards?

How much do you have to spend each year for a Chase Sapphire annual fee to be worth it? The answer depends on:

  • Whether you spend in the bonus categories often
  • How much you value Chase Ultimate Rewards points
chase sapphire annual fee

It depends on your spending habits, but let’s take a looky-loo

I’ll break down spending in 3 scenarios:

  • Half bonus/half non-bonus spending with points worth their base rate for each card
  • Half bonus/half non-bonus spending with points worth 2 cents each
  • All bonus spending with points worth 2 cents each

Boom!

1. Chase Sapphire Preferred

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I Had to Use (My Chase Visa’s) Primary Rental Car Insurance – and Saved $692!

It finally happened – I had to file a claim to use my card’s collision damage waiver benefit. I knew the day would arrive sooner or later.

After I hiked down from Granite Park Chalet, I found my rental car had a little *DING* on the front passenger side door. The parking lot was packed, and it was obvious someone parked too close and opened their door too hard into my rental car. It was nearly imperceptible to the point where I thought about not saying anything about it.

Primary Rental Car Insurance

See that little dent? Yeah, I nearly didn’t either… *grumble*

But, I was responsible and filed a proper report when I returned the car. I wasn’t expecting to ever hear anything about it again. Until one day, I got a random call saying they filed a claim against me. In a near-panic, I filed my own claim online through Chase in just a few minutes.

THANK GODS I waived the CDW and put the charge on my Chase Sapphire Reserve card. Taking those small steps saved me nearly $700 – for a little ding on a car door.

Chase Sapphire Reserve Primary Rental Car Insurance

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Should You Dump Your Car If You Have Premium Card Travel Credits?

It occurred to me I only drive for a handful of reasons:

  • To go to the gym
  • To drop the dog off before I travel
  • Costco runs every ~6 weeks
  • To visit nearby places, like Fort Worth

Most of the time I walk or use Uber/Lyft. Because if I intend to drink, I don’t want to deal with parking (and possibly having to pay for it) or of course driving back unsafely. And I live so close to many of the places I frequent that I can walk.

I realized, surprisingly, there are lots of peeps in Dallas who don’t have cars. And I I was shocked by how extremely walkable certain parts of the city really are.

dump car uber lyft

Lookit all my Lyft credits

I’ve also been using the $325 travel credit from my US Bank Altitude Reserve card for Lyft rides lately (I prefer Lyft for many reasons). Then it hit me that I could subsidize $825 in Uber and Lyft rides thanks to travel credits of 3 of my premium cards. It got me thinking – are those credits enough to consider getting rid of my car?

$825 in Uber and Lyft rides from 3 cards

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Some Plastiq Mortgage Payments With Visa Cards Working Again!

Update: Some readers let me know not all mortgage payments are working, but many are!

Here’s an example from my account:

A mortgage payment you can still pay with Plastiq

As long as the “Submit Payment” button isn’t grayed out, you should be good to go! Let me know if it works for you!


More data points slash adventures with Plastiq.

So I just got a new Bank of America Alaska Airlines card – I get a new one every 45 days for a quick injection of 30,000 Alaska miles. Those are, of course, Visa cards, which Plastiq said would no longer work.

Well today, I paid the rent for one of my Airbnbs with this card on Plastiq.

plastiq visa payments

This Plastiq payment is clearly marked as rent

And it went through without a hitch:

Boom

Considering the minimum spending on this card is only $1,000, I was able to knock most of it out with a single rent payment. Then I sent $50 to my utility company to trigger the sign-up bonus. Minimum spending done in under a minute. AWESOME!

This isn’t a fluke. My friend Angie used her Chase Fairmont card to pay her mortgage via Plastiq recently, too – that’s also a Visa card. And I’ve heard others have had success, too.

Plastiq Visa payments

While I think 3X with the Chase Sapphire Reserve is long gone, using Plastiq to meet minimum spending on Visa cards is extremely easy. Even with the 2.5% fee considered, having it done in seconds sure beats having to monitor it for a few months. Especially if you need to spend a few thousand.

I also just confirmed 3X still works with the Citi AT&T Access More card. And wrote about why you’d even consider using the new Blue Business Plus Amex for Plastiq payments, too.

But given that I can still get 3X, the gravy train is still on – at least for now.

And moreover, it seems you can use your Visa cards again. So if you have a Visa and want to make some Plastiq payments for rent, mortgage, or HOA, they should go through just fine. 🙂

Have you had recent success using a Visa card for a rent payment through Plastiq? 

Plastiq Rent Payments With US Bank Altitude Code as Travel but Do NOT Earn 3X

On May 1st, I got the US Bank Altitude Reserve card – the first day it was available.

I wrote how payments with Plastiq coded as travel with the Chase Sapphire Reserve card (lots of peeps on Reddit confirm this, too). So I was hoping that would be the case with the US Bank Altitude Reserve. Especially because the minimum spending requirement is $4,500 – that would’ve been a nice points haul at 3X.

us bank altitude

The merchant code gave me hope for 3X

And the charges did code as travel. But my statement just closed and I only got 1X point per $1.

This US Bank card and the Chase Sapphire Reserve are both Visa cards. So while it doesn’t work for the former, I’m hoping it will still earn 3X with the latter for a while longer.

Here’s what I found.

A charge that codes as travel but didn’t earn 3X

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Cool! Some Plastiq Payments Coding as 3X for Travel With Chase Sapphire Reserve

It looks like some payments with Plastiq are triggering 3X points per $1 with the Chase Sapphire Reserve card. Apparently, rent or mortgage payments are coding as “lodging/travel” and appear as “travel” – which is a 3X category.

I made a $30 payment toward one of my Airbnbs and didn’t change the category in Plastiq – I left it marked as a rent payment.

chase sapphire reserve plastiq 3X

I sent the payment as “rent, mortgage, and real estate”

And when I checked today, it had cleared and earned 90 Chase Ultimate Rewards points (3X).

SWEET

SWEET – 3X

If you have rent or mortgage payments, it would be worth it to use your Chase Sapphire Reserve card, even considering Plastiq’s 2.5% fee.

By the numbers

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I’m Over Cashback Cards and Into Starwood Points

Also see: 

There, I said it.

In 2013, I famously said (typed), “I don’t care about Starpoints.” At the time, my grievances were:

  • 1 point per $1 spent was too low of an earn rate
  • You have to spend so much to earn a meaningful reward
  • The earn rate with other hotel programs is better, so why bother with Starwood?
Starwood Points vs cashback

I like you now and I’ll be sad when you leave

But a lot has changed since then. The merger with Marriott opened a few cool new opportunities, like:

Nothing's fine I'm torn

Nothing’s fine I’m torn

And, I’ve been putting a non-bonused spend on my Amex Starwood card, to the chagrin of my previously beloved Fidelity Visa. (Although I still use the mess out of my Discover it card cuz I want that sweet Dublin!)

In fact, I think I’m…. over cashback cards. For now, at least.

Drinking the Starpoints Kool-Aid

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Don’t Make This Mistake With Sapphire Reserve & Prestige Travel Credits

Update 2/6/17: So… the entire premise of this post is incorrect. I flubbed this one, guys.

Because you get 2 credits and 1 charge so in the end, you really do get to keep your credit. My mind has been hazy this week and I apologize for the incorrect information, though it was well-intentioned guidance. Anyhoo, nothing to see here.

Huge thanks to my readers who pointed out my mistake in a guiding and gentle way. It means a lot to me – kind of super emotionally sensitive right now. You guys really are the best.


Oy. I had a slip-up with my Chase Sapphire Reserve $300 annual travel credit last week. Luckily, it wasn’t that bad.

But here’s a PSA of what NOT to do.

annual travel credit

If you get a refund, you essentially lose your credit!

I booked a round-trip award flight on Southwest with my Sapphire Reserve. The taxes were $11.20.

Immediately after, I thought it better to have the trip as 2 one-ways so could lock in the price if plans didn’t change. Or have the option to change either (or both) legs down the road if needed. So that was another $11.20.

When I canceled the first ticket, I had the option to get a refund or store the money in my Southwest bank. I didn’t think it through, and impulsively hit “Refund.” Not good.

A couple of days later when the charges and credits hit, I realized what I’d done. I did get the $11.20 refund. But I lost $11.20 of my travel credit. It’s not a huge loss, but what if it was an entire paid flight? 

A similar thing almost happened to me again this week at a hotel!

Another time I messed up

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I Imagined a New Premium Chase Card… How’d I Do?

Also see: 

Back in March, I imagined what a new premium Chase card would look like. By August, we had a new bundle of joy: the Chase Sapphire Reserve.

Are you the premium Chase card of my dreamz?

Are you the premium Chase card of my dreamz?

I had high hopes for such an offering. So I thought it’d be fun to look back and compare what I wanted at the time to what actually came about.

And because my points & miles predictions for 2016 aren’t doing so hot. Oops.

Chase Sapphire Reserve: What it is

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