The card itself offers a weak amount of points for everyday purchases, but you get this card for the intro bonus and for the increased 1.25x multiplier on UR points. The optimal play is to get this card for the intro bonus and redemption multiplier, but put all your actual spend after hitting the bonus on a Freedom card for the higher multipliers (you can pool all your UR points into the CSR account once you get them). This card also offers high credit limits, if that is your thing.

I’ve had my card for 2 years, always paid on time, low utilization, used it frequently enough to keep account active — didn’t matter. Literally DESTROYED my credit score by reducing my credit line from 17k to 3k. No warning, rhyme or reason. And customer service gives me the wrap around and won’t even give me a contact to talk to someone that can offer an explanation. Don’t fall for their promises of high credit line. They will not honor it long term and will ultimately damage your credit if you actually use the card and carry even a modest balance

I applied for this card based on CK recommendation. Chase did not approve right away, a few days later I received a call from a representative and they verified my address then told me I had been approved for 12,100. I am extremely happy. My credit score is 720 and has been lingering there for quite some time. I’m hoping this will help it rise with my consistent behavior of paying on time. I will give a score of 1 star being I haven’t received the card yet to put it to use.

Solid, reliable, worthy card. Easy to maximize, great bonus, great use of points. Customer service does nothing to write home about, but they are fine. However, if you have issues with the claims or refunds or purchase protection departments, BEWARE. They can be quite apathetic and unhelpful, regardless of your level of responsibility. But all in all it’s worth it. If Amex is too much of a reach for you and you want a great rewards card, I’d turn here. The Reserve is primo, but was worried my credit score wasn’t high enough so applied with Preferred instead. I’ve had it over a year now have only had one-two inconveniences.

I was instantly approved for $5000 line at EX 731 TU 697 EQF 691. History: 19 months credit history with car loan and 7 months history with a secured credit card. No late payments or derogatory marks. Kept secured card usage under 30%. Poor approval odds from CK.

I did extensive research and made sure I met all their requirements. I applied a few days ago and approved. My fico scores are all above 760, long credit history and I last applied for credit cards 4 years ago.

The customer service is horrendous. I had this card for years. I live in Hawaii and used it to rack up miles for flights back to the mainland. Didn't miss a single payment and always stayed within my credit limit. Last week I saved enough to pay off my balance in one lump sum, but I forgot to cancel my automatic payment. The automatic payment overdrew my account and Chase cancelled my credit card without so much as a warning. I have spoken with multiple customer service representatives at this point all of which have been rude and contrite. On the otherhand the application process was straightforward and easy. So there's that.

Make sure you spend enough to break even with the annual fee.

I have this credit card over 8 months now Great credit card

At first I received a message stating that my application was being reviewed. I called about a week later and they told me over the phone I was approved! My score was in the mid 600s. I think it helped that I've been a Chase customer for over 10 years however, that is just a speculation. Their credit limit begins at 5k . I received my 80k points after I spent the amount required! I can't wait to use it for traveling!