Authorized users get their own membership, and can travel without you, while at the same time bringing in their travelling companions. Do you get the travel credit of 300 once you get to spend 300 or if I spend only 150 will they credit that? Not that we know of, but given how good of an offer it is, we don’t expect it to be an ongoing offer at this level. That said, I would personally operate under the assumption that as long as you meet the spend requirement and keep the card open for 6+ months, you’ll not be at risk for losing any of the points or the $300 travel credit. So I understand that the current offer is 50K bonus. Lounge access is provided through a complimentary Priority Pass Select membership. Hertz Ultimate Choice is now available at over 50 airport locations in the US and Canada. I am a current Sapphire Preferred cardholder and plan on downgrading it to a non AF card next year before the AF posts . I am have to book some flights next month so this would be a good time to do it. I travel by air for vacation about 5X a year so I think the $300 travel credit and the 1:1points to miles conversion to United Airlines miles are a plus. Can the $300 travel credit be used for baggage fees, seat upgrades, in flight food and entertainment purchases, and Uber/taxi charges? Can you elucidate? Even better if you can charge the restaurant to your hotel room and then double dip earning hotel points too! This is one of the rare cases that the agents and we are both right, but in a different way. Apples & Oranges. Das ist genau so gewollt. Chase Sapphire Reserve. My income is in the low $60,000 range. 4 miles per $1 spent on purchases from United, including tickets, Economy Plus ®, inflight food, beverages and Wi-Fi, and other United charges. I hope they don’t think too long because I’m holding off on several big purchases I’d like to use the CSR on to meet the minimum spend. The flexibility of SPG points and the value within the SPG and Marriott program you can get from them makes them still be a the top of the list for me. My FICO score is between 845-850, annual income $180K. Get a mortgage, low down payment mortgage, jumbo mortgage or refinance your home  with Chase. “Chase,” “JPMorgan,” “JPMorgan Chase,” the JPMorgan Chase logo and the Octagon Symbol are trademarks of JPMorgan Chase Bank, N.A. Visa Infinite, aimed at affluent cardholders, provides the highest level of features and services of any Visa … Sometimes they’re great and other times they’re a place to sit and have a snack/drink. Let me assume that I have CSR card with me for the next 1 year. Patrice, not sure what your first question is — could you elaborate? I’m speechless. You stand a better chance, again based on experiences shared by others, if everything else is the same, in January 2017. If a spouse is a +1 with a cardmember that has their priority pass card with them, there is no $27 fee. If it was me, I’d probably convert the CSP to the Freedom to enjoy the 5x quarterly categories as well. If you’re based in the U.S. there aren’t a lot of Visa Infinite cards open to new applicants and the best two Visa Infinite travel credit cards are the Chase Sapphire Reserve and the U.S. Bank Altitude Reserve. Count on the United Club Visa Infinite Card concierge services to give you personalized assistance with reservations, referrals and recommendations — anywhere in the world. Gabe – a great question about why there is no Visa Infinite page in the US — sorta frustrating to say the least. Here are the standout benefits that come with the Sapphire Reserve: As an authorized user, yes. After the $300 travel credit plus the pro-rated $25 for the Global Entry benefit, you’re looking at $125 in effective annual fee. I applied for the card on a Saturday and was not immediately approved. I don’t want to lose them! We're thrilled that Chase has stepped up its offering and provided a card with so many benefits. Income 120K. You can always request they move the date as well. Members decide what to drive as long as a midsize class vehicle or larger is booked, providing access to exclusive vehicles in the President’s Circle lot. This card hits all the key factors of what makes a perfect travel rewards credit card. My approved credit limit is 10,000. The real issue is the benefits vs. the fee. That said, creditors rarely deny you for “too much unused credit” … that typically only becomes an issue with an individual creditor. I went online and just typed Chase Sapphire Reserve and then got the right page… I also could not get a link through this webpage. Carol, these terms DO NOT exclude you from receiving this card and all associated benefits. That way I will have the freedom for the 5 percent categories, Chase sapphire reserve for dining and travel, and Unlimited for everything else. The priority boarding and the 2 free passes each year to the United club. Let me compare here the overall value difference between the Chase Sapphire Reserve (CSR) and Chase Sapphire Preferred (CSP). Now in the second year, can I get the benefit for someone else, or is that benefit a one time thing? Fields that contain an asterisk (*) are required. I also decided to go with TSA Pre-check instead of Global Entry, since the nearest interview location is 2.5 hour drive away. In Oct. 2017 I applied for and was approved for both Chase Personal Southwest and Chase Business Southwest credit cards. Earn 85,000 points. Relax or work comfortably before your flight. If I spend my $300 credit in December, will it count for 2016 or 2017? Certain custody and other services are provided by JPMorgan Chase Bank, N.A. Howie – boy it seems like you know a ton about all of these cards – thanks you for all of the insight! It is not on the Sapphire Reserve, and it is charged on your first month of card membership. In my opinion, if you only carry one card, CSR is the one to carry! Elite concierge service. Would I have to pay off the balance first? Probably all of the cards you’ve seen / heard about have been Priority Pass Select. The lounge access on the Amex Platinum definitely wins with Delta access and Centurion access. You must somehow eliminated the $1,500 CAP/quarter limit. Also is it worth it to have canceling my Preferred card when getting this one? Does a spouse have to have their own card on the same account also to avoid the $27 per visit Lounge guest fee? Talk about a niche benefit that I’d venture is used less than 500 times a year. My credit utilization is consistently <1% and my score is well in the 800's, varying based on bureau and model used. Most Visa Platinum cards require a credit score in the 600s. Even if you do not travel alot you can easily get that back from car parking garages, Uber/Lyft etc which they are classified as travel with this card. AwardWallet receives compensation from advertising partners for links on the blog. I have a decent income and an 829 FICO score, but still got the “we’ll think about it” response after completing the online application. The rep said that I needed to have a $10,000 credit limit to upgrade to a Visa Infinite credit card. Visa Infinite privileges are for more elite cards, such as those that have annual fees in the few hundred dollar ranges. J.P. Morgan Reserve Visa Infinite Card is a Credit Card. Finally, I’ve had PreCheck for about a year already. It all depends on what your credit portfolio looks like, your account history and how much available credit you otherwise have. Additionally, while Chase business credit card accounts won’t report to your personal credit report, feedback provided by others indicates it is in the count. Those 3 factors have been what has kept me with that card for so long. Do the travel companions have to pay a fee to access the lounges or is this benefit included with Priority Pass Select. Now let’s do the same math with one of my favorites Chase Sapphire Preferred. It’s an easy perk to overlook among all the others, but don’t forget about the discounted golf at participating Troon Privé clubs through the Troon Rewards program. And keep the freedom for 5x categories — otherwise, I’d use the CSR. United Club SM Visa Infinite Card. I’m sure they were inundated with applications as the 100K point benefit closed, which may be adding to the processing delay. I hope so. Crystal® Visa Infinite® Credit Card; Best Visa Infinite card perks. (that’s net of the$300 travel reimbursement) I am on the fence. The Sapphire Reserve is a feature-rich card that should have you considering if the current card you're using is the most rewarding. Given that the only added benefit would be the $300 travel benefit, would not offset the $450 fee. Visa Infinite is the highest tier of Visa-branded credit cards, typically reserved for premium and luxury credit cards. Für Menschen mit einem Vermögen ab 500.000 Euro aufwärts wohl zu stemmen. Your effective date of eligibility is determined by Chase. Makes sense? J.P. Morgan Reserve Visa Infinite Card is a Credit Card I tried that number but there’s now a message that it’s no longer active. It perhaps the Sapphire reserve? Personally, the SPG card at 35k points, while seemingly low, is as good as it gets with the cards and my gut says we’re going to lose them at some point next year. I signed up 2 days before trip. It’s better than a Visa Classic but less luxurious than a Visa Signature or Visa Infinite. Also, currently have chase Ink card active. Enjoy it! Visa Infinite cards aren’t the only options to offer this coverage — the Chase Sapphire Preferredand a few others do as well — but this is definitely a great perk to have, since you wo… What’s the best way to decide whether to redeem award flights through the Chase portal vs. transferring miles to a frequent flyer program such as United MileagePlus or Avios? First introduced overseas, Visa Infinite came to the U.S. around 2016 and remains relatively uncommon. Just in time for my Thanksgiving flights starting this weekend. See Chase savings offer for new customers. In your primary post you mentioned “guests are complimentary” on the lounge access. The Chase Sapphire Reserve® is one of the most valuable rewards cards available today. Or will Chase see just one inquiry? Purchase Protection: Coverage of new purchases for 120 days, against damage … I’d look to see how much you’d otherwise earn with the Sapphire Reserve by moving your travel + dining (both 3x earners) and then run the numbers. Despite its exclusivity, the card itself doesn't offer any special benefits beyond the novelty of being made out … Please authenticate your Visa Infinite card. You may experience a delay in updating your applicable DashPass benefits in the DoorDash or Caviar mobile application; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. I called Chase and asked to upgrade my Chase Marriott Bonvoy Boundless Visa Signature Credit Card to the JPMorgan Chase Ritz Carlton Visa Infinite Credit Card. This is the only thing I can see me using to recoup the $450 fee over a 18 month period ( using the$600 credit for 2016 and 2017). Let’s look at what the Visa Signature is all about first. I use my bank of America cash back card for all other expenses. I am coming up on the renewal and I am trying to determine whether the benefits are worth paying the annual fee again. I have had the Chase Sapphire in the past and currently have a Chase Ink biz card. If you’re a big Delta flyer and/or live in a city with a Centurion lounge that you regularly use that might be a reason to sway for those benefits, but the other benefits on the CSR are superior to that on the Amex as far as I’m concerned. Any Idea of the sign on bonus potentially going back up to 100k points after spending $4,000 in the first 3 months? As always, whether the Visa Infinite card (in general) is a good card can be highly variable to profile, depending on your other card options, your lifestyle and spend, but also those exact benefits on your Visa Infinite card of choice. I haven’t tried it on the Sapphire Reserve yet personally however. OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED. No, they don't. They need to review my application longer. There’s a lot of hype out there right now about the SPG (soon to expire) signup bonus and the Hilton bonuses. In that sense, the UBS Visa Infinite credit card is competitive with other top-tier travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express. Do you think i should cancel CSP or downgrade it to chase freedom? I had to call the reconsideration line, but they were very nice. Make purchases with your debit card, and bank from almost anywhere with your phone, tablet or computer and at our 16,000 ATMs and more than 4,700 branches nationwide. Have had CSP, Mileage Explorer, and Freedom5x. Here's a full write-up comparing Sapphire card benefits. If it does then this will be the best card out there. Your card will not be charged. I walked in to the Universal Enroll location on the morning of 11/11, paid the $85 fee, and the $85 credit was made to my card on Saturday, along with approval of my TSA Pre-Check by Monday. It all depends on how the transaction is coded. Chase Sapphire Reserve® Visa Infinite ... JPMorgan Chase Bank, N.A. Plus, get your free credit score! Will re-apply for CSR then. Did you know that you can easily find out when any account was last updated (synchronized) and when the next update is scheduled to occur? We recently went on a Road Scholar trip to Africa and our Wells Fargo CC didn’t apply 3X points for that trip. I gave it at the lounge and had no trouble what so ever. I keep hearing about a travel portal in these comments. Call 1-877-660-0905 to reach the Visa Infinite Concierge.1Traveling outside the U.S.? If you fly business class to Asia, you can get a round trip for those 100,000 UR points, and that’s worth many thousands of dollars. We’ll see…. INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE. I wish I would’ve sprung for it when it came with the 100,000-point bonus and the $300 credit was by calendar and not cardmember year. Hey man you need to check out chases private client relationship. Personally, I’d run the number on the value you’re getting out of the benefits on the United card(s) and then do a comparison of what you’d get from the Sapphire Reserve. With the Chase Sapphire Reserve, it takes $6000 annual spend in travel/dining to net a 2% return after the $450 (annual fee) – $300 (travel credit) = $150 (net annual fee) assuming a point redemption value of $0.015/point. This card does not charge for authorized user. Visa Infinite cards come with a lot of valuable benefits, but they're not cheap. Enjoy the card and its “infinite” perks . She asked if I would like to request a credit limit increase. No, it cannot. I did not find where to apply for this credit card. Can I still apply for the credit card and get the 100,000 sign-up bonus as of today? While CPC certainly comes with a ton of benefits, bypassing 5/24 might not be something for long. Another example: If you pay for baggage fees, but the airline does not post the transaction until after your December statement date, the cost of the baggage fees will be allocated towards the following year’s Annual Travel Credit maximum of $300. Does the $300 spending credit count towards the $4000 spending requirement? If you’re someone that travels more than a handful of times per year, I have to strongly disagree with you. From 6/1/20 through 6/30/21, gas station & grocery store purchases will also count towards earning your Travel Credit, 3X points on travel immediately after earning your $300 travel credit. Thanks! Thank you!! the Sapphire Reserve doesn’t come with the $100 discount as you may have seen on other cards. Even prepaid ones through Hotwire or Priceline will work. those 3x points on as much of that first 4k will just be gravy on top . You can’t get 4 nights at an all-inclusive (Hyatt), you can only get 2 nights with 50,000 points. You can begin qualifying for select Visa Signature credit cards with a 670+ credit score. (none in Maryland). I’ll call them again to verify. The benefit is automatically applied to your account whenever you make a purchase. Use your miles to connect with more of the world. Does application hurt in any way of rejected for 5/24? What about Gold membership @ Hilton & Marriot? Does the Chase Reserve offer these same perks as well? Thanks, Howie. As for your second question, the annual fee is based on a rolling year. Our family is definitely not closing/downgrading. Visa Infinite cards come with an assortment of luxury benefits, and there are only a few cards in the U.S. that have this affiliation. All in all, the UBS Visa Signature credit card is a better choice if you don’t travel much or spend much on your card. Howie, Does Road Scholar trips count as travel with this card? I’m considering moving up to the more expensive United club card for the benefits, unlimited use it United lounges, 2 bags each free, potentially being bumped to 1st class, etc. You can learn more of the details abut the card here. Here I conclude that for anyone like me who does not travel much at all and have Freedom and Freedom Unlimited cards (both earn UR Points) the overall net benefit is more with $450 annual fee CSR card when compared to lower fee CSP card (Please see the math above). . With an annual cost of $550, it only makes sense if you understand and use the perks. The best is when I use it for a restaurant that’s attached to a hotel, and the restaurant charge comes up as travel! Re-applied for the CSR online. As for a success rate of being approved it depends on a variety of factors (https://awardwallet.com/blog/credit-scores-get-approved-top-rewards-credit-cards/), but having opened other Chase cards within the past 24 months is not an automatic denial. Terms apply to the offers listed on this page. I already have a CSP and Freedom unlimited. For me, I decided that the $95 fee didn’t make sense as the Sapphire Reserve provided equal or better benefits across the board and I was happy to pay the premium to have the card for both myself and my wife ($75 authorized user fee as well). If not, when is the fee accessed? I was looking for a new card with better returns than the Chase Freedom I’ve had for many years and happened to stumble on the big CSR offer because of all of the media stories written about it ending. Unlimited guests are complimentary, and authorized cardholders receive their own complimentary membership with Priority Pass. Kyle, as confirmed by Chase, the Priority Pass membership provided allows you and your traveling companions complimentary access. Just got the CSR, 25K CL. I like that math. Annuities are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Have you tried it with any other Chase cards and do you think it would be the same for all Chase cards? Approved 24 hrs later with a 25K credit line. For complete details, please visit united.com/ChaseBag. Need help finding a great new restaurant or tickets to the theater? Hi Howie Chase is in business to make money – first and foremost. The $300 annual travel credit on the J.P. Morgan Reserve is the same benefit offered on the Chase Sapphire Reserve®. Whooohoo for free dinner (after travel credit). Called chase on day of flying and them gave me my Priority pass membership card and expiry date. Chase and United Airlines announced a new United Club Infinite Card with numerous benefits and a welcome bonus worth 100,000 miles. It has a fantastic signup bonus, great earning potential (3x points on travel and dining), highly flexible rewards (Ultimate Rewards with 13 travel partners), complimentary lounge access (Priority Pass Select) and many other benefits through the Visa Infinite program. Question: If you do the math as above with 2 points earning per $ spent on travel and dining I would have earned 4600 UR points for dining outside and 700 UR points on travel. Or better downgrade the CSP to FU, and move the big credit line to the CSR? I just received my card and I’m trying to figure out what other perks come with visa infinite? Chase's travel protections on it's two Visa Infinite cards, the Chase Sapphire Reserve and the Ritz Carlton, are best-in-class*. The primary or authorized users must use their card to pay for Global Entry, but no where does it state that the recipient of the Global Entry benefit must be the primary or authorized user. If I receive the card in September 2016 and am not able to use the $300 credit by January 1, will it roll over to 2017 and will I also get a $300 credit for 2017? Count on the United Club Visa Infinite Card concierge services to give you personalized assistance with reservations, referrals and recommendations — anywhere in the world. Chase online lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. You can learn more of the details abut the card here. KON, do you have any other Ultimate Rewards earning cards? If someone is going to take full advantage of all the benefits, the signing bonus coves it for the first year, but after that, I don’t think it compares favorably. Is there a number I can call to ask about the status of the application, or is patience my best bet right now? Chase also offers online and mobile services, business credit cards, and payment acceptance solutions built specifically for businesses. Experience an evening of cooking with renowned chefs as they guide you through each course live via video instruction for an evening of great food and entertainment. The following credit cards currently offer this benefit: City National Bank Visa Infinite Chase Ritz Carlton Visa Infinite UBS Visa Infinite SunTrust Private Wealth Visa Infinite Card Using an updated version will help protect your accounts and provide a better experience. Keep the points-earner for earning the points and use the others for their ancillary benefits. Yes! Simply call 1-800-999-6977 or the International collect line at 1-614-248-2161. Thank you for taking the time to comment, share your experience, and hopefully inspire others to see this card for really how awesome it is! You can earn and use MileagePlus miles on United and on any of the other member airlines in the Star Alliance network. Other fees may apply. So I applied for the CSR on December 1st, and it showed up in the mail today. In March 2020, Chase upgraded the card from Visa Signature to Visa Infinite and increased the annual fee from $450 to $525, changing rewards structure from 2-1.5 to 4-2-1. This post contains references to products from one or more of our advertisers. in this post is out of date now that you only get 50,000 UR points instead of the original 100,000 points that was offered when the card first came out. I’ve been an AMEX cardholder for 40 years so not about to give that up. Each card number will hold a unique set of information. You’ll want to transfer your points to the CSR; absolutely. What does 5/24 mean? I have the Freedom and Sapphire Preferred card from chase. You just need to learn how to use it correctly. I currently have both the AMEX Platinum and the Citi Prestige cards. I undersdand yesterday was a holiday but, as I mentioned, I’m holding off on some large purchases since I thought it would be benifical to use the CSR to meet the minimum spend. Let’s put everything together, which gives me $448 ( $220+ $175+ $46+ $7). Many offer rewards that can be redeemed for cash back, or for rewards at companies like Disney, Marriott, Hyatt, United or Southwest Airlines. Use the payment calculator to estimate monthly payments. The $300 travel credit is SUPER flexible — it is the first $300 in charges made to your card categorized as “travel”. Mark, thanks for the follow-up. Visa Infinite includes all the benefits you’ll get from Visa Signature and Visa Traditional — and then some. Visa Infinite is a step up from Visa Signature. The uncertainty in achieving a redeemed $0.015 per point value is where the credit card companies make much of their profits. You are not required to be flying any particular airline to gain access to Priority Pass lounges. Not sure Chase would take kindly to one cancelling a card like this in the first year. Lounge access through Priority Pass: You can gain access to more than 1,200 airport lounges with your Visa Infinite card. And, you can bring 2, 5, 10 or 50+ guests too at no cost — as long as the individual lounge doesn’t have some limitation in place. For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees. Infinite. Skip, Yes you can transfer (chase calls it combining) the points. Has anyone tried purchasing an airline or hotel gift card and received credit for it? I travel pretty extensively for work & mostly use Hilton and Delta Airlines brands… I currently have the Hilton Citi Reserve Visa Card (soon to be transferred to the Hilton AMEX Ascend Card), both the Gold & Platinum Delta AMEX Cards, and use miles each year to get access to the Delta SkyClub. Conclusion: There is no question that Reserve card has superior benefits compared to Preferred. Plus is will contribute to the 4K I need to spend in the first three months. I know, on other credit cards that I have, that gift cards from AA and Delta have posted as travel and I have received credit for it. Taking 3-4 flights per year with my wife saves me $300-$400 in baggage fees. Your timeshare maintenance fee, if categorized as travel, would count towards the $300. Did not get approved online like I generally do. The best type of Visa (and the hardest to qualify for) is the Visa Infinite. When you should consider the United Club Infinite Card It appears your web browser is not using JavaScript. Chase and United Airlines announced the release of the United Club℠ Infinite Card on March 16. I can’t believe how easy it is to use the CSR travel credit: local parking garages & meters trigger it, and it happens automatically. Hi Howie! and/or its affiliates Actual Cash Value – the amount a Rental Vehicle is determined to be worth based on its market value, age and condition at the time of loss Eligible Person – a cardholder who pays for their auto rental by I also have an AAdvantage mileage earning card from another bank which I also keep for the Group 1 boarding privilege on American Airlines. Aber die HVB Visa Infinite Card bietet unendlich mehr – genauer gesagt: ein Maximum an Service, Komfort und Sicherheit. Yes, the $300 counts towards the $4,000 spend requirement. Mike, from a FICO perspective, you’ll keep a higher score with the card accounts open … but don’t get hung up on that. This card and its benefits are game-changing. I was expecting only 1 hard inquiry combined. Effective 1/15/20, your Ritz Carlton Visa Infinite card no longer offers the Visa Discount Air Benefit. Note that some of the info. You got it. With a credit card, you can carry a balance and accrue interest if necessary. Thanks. Think long and hard before you contemplate cancelling this card with all of its perks. For example, if you have a Chase Sapphire Reserve®, you will not be approved for the Chase Sapphire Preferred® Card. Switching to the Reserve will take some getting used to. Here's our complete list of Advertisers. For instance, the Chase Sapphire Preferred Credit Card, which has a $95 fee, is a Visa Signature card; the Chase Sapphire Reserve Card, with a $550 fee, is a Visa Infinite card. I eneded up leaving a secure message via my Freedom accuont and got a call this morning from a member of their security team. I guess Chase agents had no choice but to answer that way. If you add in $100 for Global Entry which includes TSA then the annual fee goes down to only $50. Is the $150 annual fee worth it it? See our Chase Total Checking® offer for new customers. I have not; only other providers … but they worked in those cases. However, the Freedom, Sapphire Preferred, and Sapphire Reserve are all a part of the same family and are all personal credit cards (thus eligible for such movement and even product conversion). Turns out I was wrong. I will call, and I’ll let you know what I find out. You can only send this offer to one recipient at a time. Each point is worth X, never more, never less. Tim, the crazy thing about this is technically the answer is correct, but I don’t think the answer provided answers the question with which you’ve asked. Chase Auto is here to help you get the right car. I applied and received the Chase Reserve CC (only). Hope this clears it up. My new lounge pass came today, expires in 2021. And bingo on the very day of my return the card arrived at the international address and on the way back I used the physical card. Instead, the issuers such as Chase can modify the Visa Infinite cards to their liking.