Chase Sapphire Preferred: 70,000 Points + $300 Travel Credit Offer

CSR perks have been losing value in my experience (had the card for 8 years since it launched in 2016) and will likely switch to the Preferred because it's much harder to get the $550 value out of it.

Pairing the Preferred/Reserve with the Chase Freedom and Freedom Unlimited is the best way to maximize rewards points, and booking travel through the Chase portal is a good way to redeem them if you aren't transferring to an airline mileage program (really only beneficial if you are always flying the same airline).

This is the $95 annual fee version, no lounge or other perks that grab me at first glance. The spend is fairly high to qualify for the points. Good percentages back on travel purchases IF bought through Chase Travel. No experience with that other than pricing trips vs. Google Flights and wasn't finding great deals.

Can anyone who really likes this card comment on the value you find in paying to have it. I would think if you're a heavy traveler you'd just go with the $550 version that has so many more perks.

IMO the Priority Pass on the Reserve is overrated for the routes/airposrts I go to. Many are under construction/reno, are full and have to wait, or don't exist even. Even the carry out restaurant perk is gone from the covid times

This is not true. Both CSP and CSR cards provide primary car rental insurance outside the US.

Chase cards such as the Freedom which provides secondary car rental insurance actually provide as primary when renting internationally.

Just to also add. This is the cheapest CC with primary car rental insurance and one of the strongest and most popular low mid tier card since it's AF is only $95.

I can get this insurance with my Amex Plat but it costs $20 per rental so 5 rentals with the CSP and I'm already ahead.

I am not a heavy traveler, normally 3 to 4 times per year.
I think this card is good for me. Annual $50 Chase Travel credit is easy to use.
You also get DashPass through this card, plus the free monthly $10 grocery/ retail credit ($120 annually), it is well worth the $95 annual fee.

Chase Ink Business Unlimited is the only free card I know of that offers primary car rental insurance. Also comes with $10k purchase protection that's usually only on premium cards. They currently have the 90k SUB after $6k spend in 3 months offer. Too good to pass up. You don't need an actual business, just use your SSN to sign up

To get primary coverage the car rental has to be for business purpose. I'd have to believe they would require proof if you ever had to file a claim.

Can u explain that? Rental car coverage is something every creditcard offers, whats so special here that even one with an amex prefers it?

Besides i think this card is just ok. Forced to do all travel via their higher priced portal is a downside and points earn are lower than with specific hotel cards..sure you have more flexibility but thats it

I had this card from the time when it was introduced to the market. It was $250 then, which later was decreased to $95 annual fee - makes sense at that cost. I transferred the points to Chase Reserved, which I keep as my primary card, and I closed the Preferred - done this twice on two accounts over the years.
1. The introductory points for this deal are so so - under 70k is hard to find an international flight. Chase should consider making the offer 100k to make some sense and be more competitive to other cards. At the moment American Airlines has a 75k intro for their platinum card, Southwest has 85k intro and likely United will have something. Usually all of them also provide additional perks like check-in luggage.
2. The card is a primary insurer for car rentals WITHIN US. Outside US it is a secondary insurer, i.e. your main insurer needs to kick in, then the card if any liability balance is left. The Reserve is primary insurer everywhere, they don't notify your personal insurer and your premium potentially will not be affected. Besides, the coverages are larger.
3. This card pretty much is obsoleted by Costco Citi Visa, which also provides same level of insurance and perks, AND a cashback

This offer requiring $6k spend is not worth it - you can get one of the more premium CapitolOne Travel X cards for example and be more creative for using the points for flights PLUS getting access to the lounges. Or, you can get TWO airline promo cards and have double the flight opportunities for the points. United now allows ticketing with a combo points+money payment for example, same as Chase ultimate points.

I would consider it my primary card if I don't have a Sapphire and the intro points are ~80k or above for $3k spending. To be able to get at least one international roundtrip. OR, I could consider it opening for the promo to add them to my primary card. This card gives you extra 25% points when booking through Chase Travel, vs. the Reserve gives extra 50%..

Spending $6k is not worth it.

One year extra warranty on products and trip cancelation and interruption insurance also good benefits for the 95$ annual fee. Many cards took away extra year warranty. I am not frequent traveler, i had CSR downgraded to CSP i feel both cards worth for the benefits they provide. I see in a way instead of paying extra insurance for every trip or purchase i am paying AF for card.