Tag Archives: Chase Ultimate Rewards Points

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Keep, Cancel, or Convert: Chase Sapphire Reserve Credit Card ($450 Annual Fee)

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Buenos días everyone! I know it’s been a long time since you’ve heard from me – I’ve got a couple of things in the works, but for now, I thought I’d hop on to Grant’s Keep, Cancel, or Convert? Series with my thoughts on the Chase Sapphire Reserve Credit Card.

The CSR has had a spot in my wallet since it was first released, but over time, it’s been losing its luster for me as other cards have caught up with it. When Chase announced that the annual fee would be rising to $550, I knew its days in my wallet were numbered. Here’s why:

  • I opened the JPMorgan Chase Ritz Carlton Credit Card right before Chase stopped offering the card to new applicants, which offers the same travel protections as the CSR and a better Priority Pass membership.
  • Late last year, I opened a Chase Ink Business Preferred Credit Card, which earns 3x on travel and allows me to transfer my Chase Ultimate Rewards Points to airline and hotel partners.
  • Earlier this year, I opened a Citi Premier Credit Card, which earns 3x Citi ThankYou Points on restaurants and most travel purchases.
  • My Chase Freedom Credit Card and Chase Freedom Unlimited Credit Card now earn 3x Chase Ultimate Rewards Points at restaurants (though both cards have foreign transaction fees, so I won’t be using them in Mexico).

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JPMorgan Chase Ritz Carlton Credit Card: Redeem $300 Travel Credit for Restaurants & Grocery Stores via Secure Message

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Good morning everyone, happy Friday!  Earlier this month, Frequent Miler wrote Ritz card: Double Dip Restaurants 10X + $300. In that post, Greg covered 2 overlapping promotions available on the JPMorgan Chase Ritz Carlton Visa Infinite Credit Card:

  • Earn 10x Marriott Bonvoy Points at restaurants and gas stations through September 30, 2020
  • Use the $300 annual travel credit to reimburse purchases made at grocery stores and restaurants though December 31, 2020

Before the Coronavirus Pandemic, I used $84.67 of my $300 annual travel credit, so I still had $215.33 remaining that I needed to use by December 31, 2020.  With the above information in mind, I decided to use my Ritz Carlton Credit Card for purchases at grocery stores and restaurants until I spent at least $215.33.  I made the necessary purchases and clicked the pie chart icon to confirm that the purchases fell into the right categories.

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125K Chase IHG Premier Credit Card Sign Up Bonus Posts 2 Days After Other Points

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Good morning everyone.  Last month, Laura applied for the Chase IHG Rewards Premier Credit Card and was approved around July 10 (after her application was reviewed by Chase).  The sign up bonus was for 125,000 IHG Points after spending $3,000 in 3 months.  Laura’s credit card statement closed a few days ago and I saw on her statement that the 125,000 “New Cardmember Bonus” Points were listed.  I then checked her IHG account balance but did not see the 125,000 IHG Points.  I was a little nervous and confused, but 2 days later, the 125,000 IHG Points posted to her account.  Phew!

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Overpaid Chase Credit Card? Receive Credit Balance Refund via ACH Bank Transfer Instead of Check

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Good morning everyone.  A few days ago, my Chase Sapphire Reserve Credit Card statement closed and I ended up with a credit balance of $349.34 because I redeemed 1/3 of my Chase Ultimate Rewards Points for several Pay Yourself Back transactions.  I called Chase to see if I could move the credit balance from my Chase Sapphire Reserve to another Chase credit card (to act as a payment), but the rep said that the Pay Yourself Back transactions were not eligible to be moved to another Chase credit card.  She then asked if I would like to receive a check in the mail for the credit balance.  Before I said yes, I asked if it were possible to get a bank transfer instead.  She said yes – Chase recently started offering bank transfers for credit balances.  She told me I would receive an email from Chase in the next day with instructions on how to set up my Chase Payments account and receive a bank transfer.  I thanked her for her help and waited for the email to arrive.

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Reminder: Chase’s Pay Yourself Back Feature Does Not Allow Multiple Partial Redemptions

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Good morning everyone, I hope your week is going well.  A few days ago, I wrote Why I Redeemed 1/3 of my Chase Ultimate Rewards Points with the Pay Yourself Back Feature.  That post received many great comments, but the comment from Al was especially relevant to me:

“I didn’t realize that the maximum redemption for an eligible charge (grocery) had to be made at one time. I redeemed $300 out of a $500 charge figuring I could redeem the remaining $200 at a later date. Well, I was wrong. But now I know for the rest of my eligible charges.”

According to the Pay Yourself Back terms, “Once you redeem any amount of points towards an eligible purchase for a statement credit, it will no longer be an eligible purchase.” I inadvertently tested this out on June 28 when I did a partial redemption (I did not do the max dollar amount) for a Trader Joe’s purchase.  As you can see, I only have 3 eligible Pay Yourself Back transactions available.

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