ihearthummus

1 Contributions 10 People Helped

Member Since: July 2015

Most Helpful Contribution

Chase Sapphire Reserve®

Jun 24, 2017
The best 'premium' credit card
Helpful to 10 out of 10 people

Love this card! Currently have had this card for about 6 months and applied in time for the 100k point sign up offer. $450 annual fee is not waived the first year and does not count towards the 4k spending in 3 months for the bonus points. $300 travel credit back in travel so effective cost is $150 not factoring in the priority pass, emerald club, etc. I tend to use uber and uber eats a ton, so I've already gotten the $300 back. Used the chase points for travel already - booked a hotel for the weekend easy to reserve online and maybe $50 more than advertised on the hotel website. I've also used the purchase protection once easy to use and got my money back (FYI: free press summer fest is a disaster every year it got rained out 3x in a row now). They called me twice for fraud protection; once at the apple store (it was me) and one time for actual fraud protection (had to freeze the account and send a new card). As for applying and being approved, I previously had the CSP (18k CL) for about 8 months or so and no previous chase banking history. They approved instantly for 27k CL and I downgraded the CSP to just chase sapphire (no yearly fee and you get to keep using the CSP card until it expires). My TU and EQ scores were both around 750 when i applied for both CSP and CSR. The CSR credit limit increased my credit score to 760. About 90k yearly income and less than 4 yr total credit history. Good luck to applicants! great card to add for anyone who travels or uses and abuses uber/ubereats

Activity (1 Total Contributions)

Chase Sapphire Reserve®

Jun 24, 2017
The best 'premium' credit card
Helpful to 10 out of 10 people

Love this card! Currently have had this card for about 6 months and applied in time for the 100k point sign up offer. $450 annual fee is not waived the first year and does not count towards the 4k spending in 3 months for the bonus points. $300 travel credit back in travel so effective cost is $150 not factoring in the priority pass, emerald club, etc. I tend to use uber and uber eats a ton, so I've already gotten the $300 back. Used the chase points for travel already - booked a hotel for the weekend easy to reserve online and maybe $50 more than advertised on the hotel website. I've also used the purchase protection once easy to use and got my money back (FYI: free press summer fest is a disaster every year it got rained out 3x in a row now). They called me twice for fraud protection; once at the apple store (it was me) and one time for actual fraud protection (had to freeze the account and send a new card). As for applying and being approved, I previously had the CSP (18k CL) for about 8 months or so and no previous chase banking history. They approved instantly for 27k CL and I downgraded the CSP to just chase sapphire (no yearly fee and you get to keep using the CSP card until it expires). My TU and EQ scores were both around 750 when i applied for both CSP and CSR. The CSR credit limit increased my credit score to 760. About 90k yearly income and less than 4 yr total credit history. Good luck to applicants! great card to add for anyone who travels or uses and abuses uber/ubereats