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Chase Sapphire Reserve (CSR): Ultimate Rewards Redemption Bonus on Apple 50%
It's back! Limited Time Offer!
Your points are worth 10%-50% more
Until 11/30/22 or while supplies last, your Chase Freedom points are worth more when you redeem for any product on the Apple® Ultimate Rewards® Store.*
Chase Sapphire Preferred is 25% more.
Chase Freedom Unlimited is 10% more.
http://ultimaterewards
https://experiences.cha
Your points are worth 10%-50% more
Until 11/30/22 or while supplies last, your Chase Freedom points are worth more when you redeem for any product on the Apple® Ultimate Rewards® Store.*
Chase Sapphire Preferred is 25% more.
Chase Freedom Unlimited is 10% more.
http://ultimaterewards
https://experiences.cha
Created 11-10-2022
at 07:14 AM
by peter_parker
in
Tech & Electronics
(4)
Chase Business Checking
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The only reason why, historically, I saved CSR points for travel was the 50% bonus. I had banked over 200k points and we had planned to use them to book a nice family vacation. Back in April 2020.... Suffice it to say, things didn't work out as planned. While we did get refunded, it took months and numerous calls/emails to get everything credited back, which wouldn't have been as problematic if we had just used our CC to make the purchase like normal. But to get 50% back on restaurants and other categories means the exact same savings and point redemptions without the hassle. Not to mention still getting the 3x point earning on the travel purchases. That means that, for many purchases, we're easily earning 4.5% back on statement credits every month. Total win-win.
Even in this case, it's a better deal, assuming you have enough qualifying purchases (e.g. restaurants) to get the cash back via statement credits. If you were buying something for $1000 at Apple, instead of using 66,667 points for that (50% bonus), use that to redeem on existing qualifying purchases for a statement credit of $1000, buy the Apple device for $1000 and get an extra 1000 CSR points ($15 value). Better deal that way and you get the normal CC protections on the purchase.
Best redemption strategy for UR points is transferring to travel partners. Worst case scenario is redeeming via pay yourself back at the same rate as this deal (b/c it's literally a credit). Buying something from Chase gives up the vendor return policy and booking travel through the portal for 50% bump is fine if nothing goes wrong but a veritable NIGHTMARE when things DO go wrong. (To pre-empt the response to this, I understand some of you have used the portal with no issue. I did for years. Things don't go wrong until they do. And when they do, you will spend dozens of hours trying to recover your points. You'll wait on hold for 4 hours and then get hung up on. They'll tell you to wait a billing cycle or two and then nothing will happen. They'll send you to the airline who will send you back to Chase. They'll eventually issue a refund that will get lost in the ether because it gets refunded to Chase and not your card if you booked with points. Chase will again tell you to wait 1-2 billing cycles. Rinse and repeat.)
This is not the same portal as a few years ago, Chase took it over and outsourced everything and now it's complete trash. Booking direct is the way to go these days. Use your UR points to transfer to travel partners.
That said, even that redemption rate isn't universal, is better to redeem via PYB where it's a straight credit and not purchasing an item from Chase as opposed to from the vendor (like Apple) directly. Chase as the retailer is not a great choice.
Also I'll say this: if you don't want to deal with the complexity of airline redemption or don't travel frequently enough to benefit from it, you should strongly consider not holding a premium travel card. It will save your sanity.
That said, even that redemption rate is better redeemed via PYB where it's a straight credit and not purchasing an item from Chase as opposed to from the vendor (like Apple) directly, which is preferable.
Also I'll say this: if you don't want to deal with the complexity of airline redemption or don't travel frequently enough to benefit from it, you should strongly consider not holding a premium travel card. It will save your sanity.
I would argue that the order of redemption 'best case' scenarios would be:
1) Travel Partner Point Transfer (again, if it makes sense for the individual and what you are transferring to, as it isn't worth it in some cases like hotels). Possibly >1.5c/p.
2) Pay Yourself Back. 1.5c/p
3) 50% Bonus Redemption 'Deals' like this one. Slightly <1.5c/p when calculating loss of earning potential.
4) Anything else that give you the normal 1c/p redemption value (or less).
I've had the CSR card since inception. In fact, I was probably one of the first people to sign up, as I found the link before it went public (posting it here in fact, which eventually became FP after SD figured out how to monetize it....). It's by far my favorite card. And while I don't travel as much as I used to (different job role), I still have no plans to replace it since I still find value in it, though the AF going from $450->$550 definitely hurt the numbers a bit. When you factor in the $300 AF credit for *ANY* travel related expenses, which almost anyone would qualify for, it brings the AF down to really $250. Adding in the TSA/GE credit (~$20/year), Priority Pass, better CC protections like primary rental insurance, better point earning/redemption options (up to 4.5% back), etc., I would consider it to still be a very viable card even for people who don't travel extensively. Granted if you don't travel at all, there is zero point in having this card, but even the occasional traveler can benefit from it.
And again, while I agree that properly planned travel partner point transfers can definitely give you the most bang for the point (close to 3c/p in some cases), that isn't universal, may not benefit everyone, and requires more familiarity with how that all works. Especially when you get into the more advanced scenarios of transferring to third party airlines for partner airline redemptions. And it isn't always as good as it was with the way some airlines have nerf'd their programs, or you really only get >1.5c/p if you redeem for business class travel. Some travel partner point transfers will get you <1.5c/p. So for people who don't want to deal with that, or their travel requirements don't net a better value, the PYB 1.5% guaranteed redemption is definitely a great benefit of the CSR.
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