Chase.com is offering 60,000 Bonus Points ($750 towards travel) w/ $4000 Spent in the First 3 Months of Account Opening for their Sapphire Preferred Credit Card with $95 Annual Fee. Thanks brisar
Note, please verify/see all the pricing/terms listed below.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate RewardsĀ®
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
Earn 5X points on Lyft rides through March 2022. Thatās 3X points in addition to the 2X points you already earn on travel.
Written by
Edited September 14, 2020
at 09:24 AMby
Chase Sapphire PreferredĀ® Card.
Chase is offering 60,000 Bonus Points ($750 towards travel) w/ $4000 Spent in the First 3 Months of Account Opening for their Sapphire Preferred Credit Card with $95 Annual Fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate RewardsĀ®
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
Earn 5X points on Lyft rides through March 2022. Thatās 3X points in addition to the 2X points you already earn on travel.
These responses are not provided or commissioned by the bank advertiser.
Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser.
It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
If you currently have any kind of Saphire personal card that is active, you will NOTqualify for bonus points, even if you are approved.
If you close your Saphire card recently, you will need to wait 48 months from the date you received the previous Saphire bonus before applying to get the new card's bonus points.
Be careful not to waste a hard credit pull
Chase T&C:
"The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products."
95 af is not waived for first year basically previously it was 50k with 95 waived first year now it's 60k with 95 af so pretty much the same
Also I'll get csr rather than csp if you spend 3400+ in travel, dining etc
It is pretty straightforward. When you use your card for ANY travel purchase (like Airbnb, airfare, hotels, Lyft, Uber, parking, some tolls, and many others), you will automatically be reimbursed, until you've spent a total of $300 on travel. In other words, Chase will pay for the first $300 in travel you spend each year with your card.
Sign up for a Slickdeals account to remove this ad.
Of course. Chase doesn't care whether you're buying groceries or a car so long as it isn't a cash transaction such as a cash advance (and probably gambling too, though it's been a while since I looked at the terms).
Most every true spend will count. There are a handful that will not. For example you can't buy casino chips and have that go towards your bonus on most chase cards.
As said, they don't care what you spend the money. Chase just doesn't want you (prefer you not) "game the system". In reality, initially they are after the transaction fees that vendors must pay chase just for accepting the card (that you and I end up paying).
Keep in mind however, points are only valuable at all, if you are not paying interest. If you buying something to get points, but can't pay that off by end of month, you have by and large, in most every case, lost the value of those points.
But if you already have your tuition cash set aside, then sure, use a points card or cash back card to get a little "extra". Just pay off the credit card immediately.
Most every true spend will count. There are a handful that will not. For example you can't buy casino chips and have that go towards your bonus on most chase cards.
As said, they don't care what you spend the money. Chase just doesn't want you (prefer you not) "game the system". In reality, initially they are after the transaction fees that vendors must pay chase just for accepting the card (that you and I end up paying).
Keep in mind however, points are only valuable at all, if you are not paying interest. If you buying something to get points, but can't pay that off by end of month, you have by and large, in most every case, lost the value of those points.
But if you already have your tuition cash set aside, then sure, use a points card or cash back card to get a little "extra". Just pay off the credit card immediately.
Can I use these points only for travel (flights and hotels)? Are there any other cards that offer "spend $3000-4000 during first 3 month and get $300-$500 back" type of cards? I saw a few offers like that here before. Not sure if they are expired or something.
We gotta make a tuition fee wanna pay with credit card and make max out of it. Or is it best to pay via checking account? Im not sure if any bank offers points for that type of transfers
If you currently have any kind of Saphire personal card that is active, you will NOTqualify for bonus points, even if you are approved.
If you close your Saphire card recently, you will need to wait 48 months from the date you received the previous Saphire bonus before applying to get the new card's bonus points.
Be careful not to waste a hard credit pull
Chase T&C:
"The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products."
My mother has a sapphire card and she added me as an authorized user. Can I open my own account and get this bonus? Is there anything I have to do before applying?
Can I use these points only for travel (flights and hotels)? Are there any other cards that offer "spend $3000-4000 during first 3 month and get $300-$500 back" type of cards? I saw a few offers like that here before. Not sure if they are expired or something.
We gotta make a tuition fee wanna pay with credit card and make max out of it. Or is it best to pay via checking account? Im not sure if any bank offers points for that type of transfers
Appreciate your assistance
You can cash out your points instead of travel or use as statement credit.
However, other than the initial sign up bonus, this would likely not be a long term strategy "keeper card" for the CSP. Both the CSP and CSR have their main benefits for travel. If your not using the points for travel you are not maximizing their value. In fact most feel "cashing out" the Chase Ultimate Rewards points is the least value for these points.
If you don't plan to travel and you just want cash back, and specifically for tuition spend, I'd look at something like the Freedom Unlimited. You get 1.5x back on all purchases (tho again, you can really maximize/increase this by transferring to UR points w/the CSP or CSR for travel).
But really, if your 100% sure your not going to travel, and specifically looking at spend for tuition, school, etc, you should at least look outside the Chase eco. Both Citi and Discover offer cards w/2x cash back for all purchases. With low or no annual fee.
You can cash out your points instead of travel or use as statement credit.
However, other than the initial sign up bonus, this would likely not be a long term strategy "keeper card" for the CSP. Both the CSP and CSR have their main benefits for travel. If your not using the points for travel you are not maximizing their value. In fact most feel "cashing out" the Chase Ultimate Rewards points is the least value for these points.
If you don't plan to travel and you just want cash back, and specifically for tuition spend, I'd look at something like the Freedom Unlimited. You get 1.5x back on all purchases (tho again, you can really maximize/increase this by transferring to UR points w/the CSP or CSR for travel).
But really, if your 100% sure your not going to travel, and specifically looking at spend for tuition, school, etc, you should at least look outside the Chase eco. Both Citi and Discover offer cards w/2x cash back for all purchases. With low or no annual fee.
Cashout equal amount, in this case $750?
I do travel but not sure if I can redeem it for the trips I do.
I do travel but not sure if I can redeem it for the trips I do.
Chase points as cash are 1 cent per point... used for travel with a CSP or CSR they have a minimum value of 1.25 or 1.5 cents per point respectively... potentially higher (potentially MUCH higher) transferred to airline and hotel partners)
I do travel but not sure if I can redeem it for the trips I do.
Did you get a targeted offer for 75,000 sign up bonus?
At 60,000 would equal $600. The 1.25 "bonus" is only if you book travel through the chase portal. It's not really a bonus, its always available. And that's for the CSP. It's actually 1.5x for the CSR.
What is the annual fee for the Preferred? ? Don't forget, that eats into your sign up offer.
There are not many cards I'd sign up for, just for the initial signup offer. Especially cards that have an annual fee.
Ok, did some quick looking.
The CSP has a $95 annual fee. If you plan to use as a cash back card, you earn the $600 (after spend) but paid $95. So $505 in cash back year one. You would earn 1x cash back on tuition, school books, etc. And most categories outside travel and restaurants.
The Chase Freedom Unlimited has a $200 sign up offer (after spend) and no annual fee. You would earn 1.5x cash back on every purchase.
But again, I'd be sure and look at the Citi and Discover cards that offer 2x cash back. That might be better deals yet.
Edit, I did want to throw out a random option. If you really want the $505 as cash back after spend ($600-$95 AF) you could do it and then downgrade to a no annual fee card such as the CFU or CF before the next AF comes due. If your just trying to maximize cash back and really want Chase, that might be the best way. You of course would not get any sign up offer on the downgrade card. But that card would have no AF and get u better multipliers for your spend. Also, since your swapping one Chase card for another, it doesn't count as part of the 5/24 "rule".
It is pretty straightforward. When you use your card for ANY travel purchase (like Airbnb, airfare, hotels, Lyft, Uber, parking, some tolls, and many others), you will automatically be reimbursed, until you've spent a total of $300 on travel. In other words, Chase will pay for the first $300 in travel you spend each year with your card.
It is premium travel card. Much like and same AF as the Amex Platinum.
If your not a frequent traveler these are not something to look at. Besides a travel credit, cards like these offer primary rental car coverage, travel insurance, trip delay, luggage delay, TSA/Global pre-check, Lyft/Uber credits, hotel/airline/rental car status, premium airport lounge access, etc. They typically offer 3x, 4x or evening 5x earning for expenses related to travel that often includes restaurants.
But yes, if your a frequent traveler these premium cards can easily pay for their AF. Especially if your on an expense sheet. But even if not (and say self employed) frequent travelers love these.
I don't know if the first year is free but I know that you can transfer the card into another Chase card that doesn't have yearly fees. You will be able to carry the points over or you can cash them out before the transfer.
But that includes a $300 travel credit, so now it's only $250.
From there on, it becomes a bit YMMV from "highly profitable above that 250" to "no reason to get it"
Your $250 (And really just $155, compared to the CSP annual fee) gets you:
A $60 door dash credit, plus a $120/yr dash pass- both at no cost... so that's $180 in value (YMMV on value if DD is available around you and/or you use it at all)
a $100 global entry or TSA pre-check credit
A lyft pink membership (this is normally $240/yr- though again its value is highly YMMV)
A priority pass membership (with 2 free guests) that gets you into a bunch of airport lounges free, as well as gets you $28 (plus another $28 for a guest) at a couple dozen airport restaurants- We routinely get a couple hundred bucks a year out of this benefit alone in free food/drinks at airports.
Free roadside assistance.
Better (than CSP) primary car rental insurance and travel insurances
25% more value for your points in the chase portal (though again max value is usually via point transfers to hotels and airlines)
An additional 1x earning (compared to CSP) on travel and restaurant spend.
So for us, unlike say the Amex Platinum card (especially since they nerfed the airline credit even more than it was), it's pretty trivial to get a lot more than $250 in value out of the net annual fee.
For someone who never travels, even locally? Not so much- just get the CSP for the signup, then get rid of it after a year (downgrade to a second freedom maybe for an extra $1500 5x cap)
Quote
from sdallnct
:
There are not many cards I'd sign up for, just for the initial signup offer. Especially cards that have an annual fee.
Why? They're virtually all profitable even above any fees at least the first year with the signup bonus....
Depending on what you normally spend in a year (and on what) you can make thousands of extra dollars a year just from signup offers... (and significantly more than that if you travel since the points can be worth a lot more)
Now keeping AF cards year over year? For folks who travel there's quite a few that are still profitable to keep...though certainly some that are not.. if you don't travel at all that's a much tougher lift though.
It is premium travel card. Much like and same AF as the Amex Platinum.
If your not a frequent traveler these are not something to look at. Besides a travel credit, cards like these offer primary rental car coverage, travel insurance, trip delay, luggage delay, TSA/Global pre-check, Lyft/Uber credits, hotel/airline/rental car status, premium airport lounge access, etc. They typically offer 3x, 4x or evening 5x earning for expenses related to travel that often includes restaurants.
But yes, if your a frequent traveler these premium cards can easily pay for their AF. Especially if your on an expense sheet. But even if not (and say self employed) frequent travelers love these.
But if your not, you should look elsewhere.
I was thinking getting a few cards from different banks and benefit from their sign up bonuses. Have any idea how long it takes to get approved for the credit card and what are the min requirements on income?
I was thinking getting a few cards from different banks and benefit from their sign up bonuses. Have any idea how long it takes to get approved for the credit card and what are the min requirements on income?
Most approvals are now instant. Then in Chases case they have a reconsideration line.
If your talking Chas cards, you must keep the 5/24 rule in mind. They will not approve a new card if you have been approved 5 credit cards from any bank within 24 months. There is an asterisk with that, but by and large that is the rule.
Also, in general, Chase will not give you more credit on total cards than 50% of your total income. Some get around this by having Chase lower their limit on some cards. Again, exceptions may apply, but it's a general rule.
The CSR is their main line premium card. Most will need very good to excellent credit and a higher income. Or some combo. It's one reason some start with the CSP then upgrade at a later date.
The CFU and CF are no AF cards but will likely still need good credit to get approved.
Most approvals are now instant. Then in Chases case they have a reconsideration line.
If your talking Chas cards, you must keep the 5/24 rule in mind. They will not approve a new card if you have been approved 5 credit cards from any bank within 24 months. There is an asterisk with that, but by and large that is the rule.
Also, in general, Chase will not give you more credit on total cards than 50% of your total income. Some get around this by having Chase lower their limit on some cards. Again, exceptions may apply, but it's a general rule.
The CSR is their main line premium card. Most will need very good to excellent credit and a higher income. Or some combo. It's one reason some start with the CSP then upgrade at a later date.
The CFU and CF are no AF cards but will likely still need good credit to get approved.
Im curious if they offer these perks with any debit card, so that the student doesnt deal with credit approvals
1,916 Comments
Your comment cannot be blank.
Featured Comments
If you close your Saphire card recently, you will need to wait 48 months from the date you received the previous Saphire bonus before applying to get the new card's bonus points.
Be careful not to waste a hard credit pull
Chase T&C:
"The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products."
Also I'll get csr rather than csp if you spend 3400+ in travel, dining etc
Sign up for a Slickdeals account to remove this ad.
As said, they don't care what you spend the money. Chase just doesn't want you (prefer you not) "game the system". In reality, initially they are after the transaction fees that vendors must pay chase just for accepting the card (that you and I end up paying).
Keep in mind however, points are only valuable at all, if you are not paying interest. If you buying something to get points, but can't pay that off by end of month, you have by and large, in most every case, lost the value of those points.
But if you already have your tuition cash set aside, then sure, use a points card or cash back card to get a little "extra". Just pay off the credit card immediately.
As said, they don't care what you spend the money. Chase just doesn't want you (prefer you not) "game the system". In reality, initially they are after the transaction fees that vendors must pay chase just for accepting the card (that you and I end up paying).
Keep in mind however, points are only valuable at all, if you are not paying interest. If you buying something to get points, but can't pay that off by end of month, you have by and large, in most every case, lost the value of those points.
But if you already have your tuition cash set aside, then sure, use a points card or cash back card to get a little "extra". Just pay off the credit card immediately.
Can I use these points only for travel (flights and hotels)? Are there any other cards that offer "spend $3000-4000 during first 3 month and get $300-$500 back" type of cards? I saw a few offers like that here before. Not sure if they are expired or something.
We gotta make a tuition fee wanna pay with credit card and make max out of it. Or is it best to pay via checking account? Im not sure if any bank offers points for that type of transfers
Appreciate your assistance
If you close your Saphire card recently, you will need to wait 48 months from the date you received the previous Saphire bonus before applying to get the new card's bonus points.
Be careful not to waste a hard credit pull
Chase T&C:
"The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products."
My mother has a sapphire card and she added me as an authorized user. Can I open my own account and get this bonus? Is there anything I have to do before applying?
We gotta make a tuition fee wanna pay with credit card and make max out of it. Or is it best to pay via checking account? Im not sure if any bank offers points for that type of transfers
Appreciate your assistance
However, other than the initial sign up bonus, this would likely not be a long term strategy "keeper card" for the CSP. Both the CSP and CSR have their main benefits for travel. If your not using the points for travel you are not maximizing their value. In fact most feel "cashing out" the Chase Ultimate Rewards points is the least value for these points.
If you don't plan to travel and you just want cash back, and specifically for tuition spend, I'd look at something like the Freedom Unlimited. You get 1.5x back on all purchases (tho again, you can really maximize/increase this by transferring to UR points w/the CSP or CSR for travel).
But really, if your 100% sure your not going to travel, and specifically looking at spend for tuition, school, etc, you should at least look outside the Chase eco. Both Citi and Discover offer cards w/2x cash back for all purchases. With low or no annual fee.
However, other than the initial sign up bonus, this would likely not be a long term strategy "keeper card" for the CSP. Both the CSP and CSR have their main benefits for travel. If your not using the points for travel you are not maximizing their value. In fact most feel "cashing out" the Chase Ultimate Rewards points is the least value for these points.
If you don't plan to travel and you just want cash back, and specifically for tuition spend, I'd look at something like the Freedom Unlimited. You get 1.5x back on all purchases (tho again, you can really maximize/increase this by transferring to UR points w/the CSP or CSR for travel).
But really, if your 100% sure your not going to travel, and specifically looking at spend for tuition, school, etc, you should at least look outside the Chase eco. Both Citi and Discover offer cards w/2x cash back for all purchases. With low or no annual fee.
Cashout equal amount, in this case $750?
I do travel but not sure if I can redeem it for the trips I do.
I do travel but not sure if I can redeem it for the trips I do.
Chase points as cash are 1 cent per point... used for travel with a CSP or CSR they have a minimum value of 1.25 or 1.5 cents per point respectively... potentially higher (potentially MUCH higher) transferred to airline and hotel partners)
Sign up for a Slickdeals account to remove this ad.
I do travel but not sure if I can redeem it for the trips I do.
At 60,000 would equal $600. The 1.25 "bonus" is only if you book travel through the chase portal. It's not really a bonus, its always available. And that's for the CSP. It's actually 1.5x for the CSR.
What is the annual fee for the Preferred? ? Don't forget, that eats into your sign up offer.
There are not many cards I'd sign up for, just for the initial signup offer. Especially cards that have an annual fee.
Ok, did some quick looking.
The CSP has a $95 annual fee. If you plan to use as a cash back card, you earn the $600 (after spend) but paid $95. So $505 in cash back year one. You would earn 1x cash back on tuition, school books, etc. And most categories outside travel and restaurants.
The Chase Freedom Unlimited has a $200 sign up offer (after spend) and no annual fee. You would earn 1.5x cash back on every purchase.
But again, I'd be sure and look at the Citi and Discover cards that offer 2x cash back. That might be better deals yet.
Edit, I did want to throw out a random option. If you really want the $505 as cash back after spend ($600-$95 AF) you could do it and then downgrade to a no annual fee card such as the CFU or CF before the next AF comes due. If your just trying to maximize cash back and really want Chase, that might be the best way. You of course would not get any sign up offer on the downgrade card. But that card would have no AF and get u better multipliers for your spend. Also, since your swapping one Chase card for another, it doesn't count as part of the 5/24 "rule".
But $450 annual fee?
It is premium travel card. Much like and same AF as the Amex Platinum.
If your not a frequent traveler these are not something to look at. Besides a travel credit, cards like these offer primary rental car coverage, travel insurance, trip delay, luggage delay, TSA/Global pre-check, Lyft/Uber credits, hotel/airline/rental car status, premium airport lounge access, etc. They typically offer 3x, 4x or evening 5x earning for expenses related to travel that often includes restaurants.
But yes, if your a frequent traveler these premium cards can easily pay for their AF. Especially if your on an expense sheet. But even if not (and say self employed) frequent travelers love these.
But if your not, you should look elsewhere.
I don't know if the first year is free but I know that you can transfer the card into another Chase card that doesn't have yearly fees. You will be able to carry the points over or you can cash them out before the transfer.
The CSR? It's $550 now...
But that includes a $300 travel credit, so now it's only $250.
From there on, it becomes a bit YMMV from "highly profitable above that 250" to "no reason to get it"
Your $250 (And really just $155, compared to the CSP annual fee) gets you:
A $60 door dash credit, plus a $120/yr dash pass- both at no cost... so that's $180 in value (YMMV on value if DD is available around you and/or you use it at all)
a $100 global entry or TSA pre-check credit
A lyft pink membership (this is normally $240/yr- though again its value is highly YMMV)
A priority pass membership (with 2 free guests) that gets you into a bunch of airport lounges free, as well as gets you $28 (plus another $28 for a guest) at a couple dozen airport restaurants- We routinely get a couple hundred bucks a year out of this benefit alone in free food/drinks at airports.
Free roadside assistance.
Better (than CSP) primary car rental insurance and travel insurances
25% more value for your points in the chase portal (though again max value is usually via point transfers to hotels and airlines)
An additional 1x earning (compared to CSP) on travel and restaurant spend.
So for us, unlike say the Amex Platinum card (especially since they nerfed the airline credit even more than it was), it's pretty trivial to get a lot more than $250 in value out of the net annual fee.
For someone who never travels, even locally? Not so much- just get the CSP for the signup, then get rid of it after a year (downgrade to a second freedom maybe for an extra $1500 5x cap)
Depending on what you normally spend in a year (and on what) you can make thousands of extra dollars a year just from signup offers... (and significantly more than that if you travel since the points can be worth a lot more)
Now keeping AF cards year over year? For folks who travel there's quite a few that are still profitable to keep...though certainly some that are not.. if you don't travel at all that's a much tougher lift though.
It is premium travel card. Much like and same AF as the Amex Platinum.
If your not a frequent traveler these are not something to look at. Besides a travel credit, cards like these offer primary rental car coverage, travel insurance, trip delay, luggage delay, TSA/Global pre-check, Lyft/Uber credits, hotel/airline/rental car status, premium airport lounge access, etc. They typically offer 3x, 4x or evening 5x earning for expenses related to travel that often includes restaurants.
But yes, if your a frequent traveler these premium cards can easily pay for their AF. Especially if your on an expense sheet. But even if not (and say self employed) frequent travelers love these.
But if your not, you should look elsewhere.
I was thinking getting a few cards from different banks and benefit from their sign up bonuses. Have any idea how long it takes to get approved for the credit card and what are the min requirements on income?
Most approvals are now instant. Then in Chases case they have a reconsideration line.
If your talking Chas cards, you must keep the 5/24 rule in mind. They will not approve a new card if you have been approved 5 credit cards from any bank within 24 months. There is an asterisk with that, but by and large that is the rule.
Also, in general, Chase will not give you more credit on total cards than 50% of your total income. Some get around this by having Chase lower their limit on some cards. Again, exceptions may apply, but it's a general rule.
The CSR is their main line premium card. Most will need very good to excellent credit and a higher income. Or some combo. It's one reason some start with the CSP then upgrade at a later date.
The CFU and CF are no AF cards but will likely still need good credit to get approved.
Sign up for a Slickdeals account to remove this ad.
If your talking Chas cards, you must keep the 5/24 rule in mind. They will not approve a new card if you have been approved 5 credit cards from any bank within 24 months. There is an asterisk with that, but by and large that is the rule.
Also, in general, Chase will not give you more credit on total cards than 50% of your total income. Some get around this by having Chase lower their limit on some cards. Again, exceptions may apply, but it's a general rule.
The CSR is their main line premium card. Most will need very good to excellent credit and a higher income. Or some combo. It's one reason some start with the CSP then upgrade at a later date.
The CFU and CF are no AF cards but will likely still need good credit to get approved.
Im curious if they offer these perks with any debit card, so that the student doesnt deal with credit approvals