Chase Sapphire Preferred® Card: Spend $4,000 in First 3 Months Expired

Today I got approved at branch which comes with waived cc fee for 1st year but there is no grocery store credit of $50

Is there anything that I need to do to get $50 grocery credit?

Next what is PYB?

The idea in this case is you can get 1.25 cents per point redeemed as credits against grocery purchases with PYB, rather than taking it as 1 cent pp in cash.

Though of course travel redemptions, especially transfers, can get significantly more value than either.

Is there a breakdown of how to best maximize the points value specifically for travel? - either through Chase or through transfers? That would probably be my main goal for the points.

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Thank you for all the data points, all the encouragement and some of you repeatedly answering the same questions over and over again. I would not have the same level of patience as you guys do especially @1dash1 and @Tazmania99.

Well, through chase the max value will be either 1.25 (if you only have this card in your family) or 1.5 cents per point if you have a CSR in the family you can move the points to.... then PYB or the travel portal will get you that value.

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Here's a few examples of what are often good uses right now though:
https://thepointsguy.com/guide/sw...e-rewards/ [thepointsguy.com]

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After applying at the Bank location, I was told that even though you see 80K you will be eligible for 100K points. Checking the the Chase app after receiving the card, the bonus tracker is showing 80K points instead of 100K. Contacted CSR via secure message and the person said the following.


"Although your account isn't eligible for the new offer you requested, the original offer is still available and will remain on your account.

you will receive 80,000 bonus points after you
spent $4,000 on purchases in the first 3 months your account is open.

We ask that you trust that this decision is the same for all Sapphire members with the same offer. We feel that adhering to the same policy for all members is the best way to remain fair and consistent."

Anyone having the same issue and can guide on how to resolve this?

After applying at the Bank location, I was told that even though you see 80K you will be eligible for 100K points. Checking the the Chase app after receiving the card, the bonus tracker is showing 80K points instead of 100K. Contacted CSR via secure message and the person said the following.


"Although your account isn't eligible for the new offer you requested, the original offer is still available and will remain on your account.

you will receive 80,000 bonus points after you
spent $4,000 on purchases in the first 3 months your account is open.

We ask that you trust that this decision is the same for all Sapphire members with the same offer. We feel that adhering to the same policy for all members is the best way to remain fair and consistent."

Anyone having the same issue and can guide on how to resolve this?

Well, through chase the max value will be either 1.25 (if you only have this card in your family) or 1.5 cents per point if you have a CSR in the family you can move the points to.... then PYB or the travel portal will get you that value.

For transfers Hyatt can pretty commonly get you 2+ cents per point in cash-equivalent value... But there's some subjectivity here in that if you normally stay in hotels whose cash price is half that of Hyatts, maybe you'd prefer using less total points to book via the portal but book a cheaper cash price room.

For airlines you can often, but not always, beat 1.5 cents for coach bookings, often get 4-6 cents a point for business class bookings, and sometimes as high as 8-10 cents a point for first class.

Again subjective value matters though.... personally for long haul fights I usually find business very much "worth it" but usually the jump from Biz to First is large in point cost but small in genuine difference of experience.

Other folks just want the cheapest possible flight and don't care if they fly in a cardboard box barely bigger than they are.


Unlike hotels there won't be one "always best" transfer partner- it will depend on a bunch of factors including:

Origin, destination, time of year, if your schedule has any flexibility, class of service, and more.


One useful site is https://www.awardhacker.com/


It'll give you an idea what a typical/cheapest redemption for a route and class are across all the common airline transfer programs.

Note this site does NOT reflect if a SPECIFC exact flight has award seats available. You'll have to do some more legwork in that regard.


But usually if you have a specific route in mind you can google it a bit and you'll find some of the travel/points sites with specific advice

Each airline program tends to have different rules, different sweet spots, and different "You shouldn't use it for X" type things- and they change from time to time too.


Here's a few examples of what are often good uses right now though:
https://thepointsguy.com/guide/sw...e-rewards/

(I know folks dislike that site- and I'd advise folks to ignore the credit card marketing stuff like "Here's why we think X is a card you should get!" but their general info on deals tends to be pretty solid- no shortage of other sites though if someone wants to offer you some other links to check out)

I applied in person and I just completed my $4000 spend. It says I will earn 85,298 points on next statement. I was expecting over 105,000 points. Will the extra 20,000 points post later?

Yes. Same here. Applied in the branch. Tracker says 80K and says I will get that 80K (because I met the 4K spend already). Per the instructions to the branches, there will be an additional 20K posting as well. Lets see. I think it will come along.

Great! Thanks for the insights. Hyatt often works well for me. When you say you can often get 4-6 cents for business class bookings, you mean by transferring directly to the airline partner? Max through the travel portal is always 1.5 cents?