I took one more in-branch stab at the Chase Sapphire Reserve, acting upon the glimmer of hope from Adam’s experience yesterday.
Unlike Adam, I had no pre-approved offers of any kind, through still tossed out the app. It was quickly denied and when I called a credit analyst I got the curt, frustrated response of an agent who has head it too many times over this card.
Since I already had a hard credit inquiry today, I went to plan b, one of the cards not impacted by Chase 5/24. The same-day inquiries should merge into one, so I get something out of it for the cost of an inquiry.
Cards Not Impacted by Chase 5/24
I already have Fairmont, Hyatt, IHG, and Marriott Business.
I have no need for AARP, Amazon, or Disney.
That left British Airways and Ritz-Carlton. I previously held both cards though have not received the bonus in the past 24 months. Under current offers I am eligible for either.
I will get Ritz-Carlton if a good points offer comes around. I have little use for free night certificates with an expiration date, and a program that won’t provide breakfast for me on those stays. The card’s benefits are useful to some, not much to me.
British Airways 50k
British Airways it is. The current offer is 50,000 Avios after $3,000 spend. Sounds pedestrian though our UK friends probably are envious.
Offers have come and gone with an additional 25,000 Avios at account anniversary for total $10,000 spend, and another 25,000 Avios for reaching a total of $20,000 spend. Even if that offer were available, with my current limited spend generation capacity, and better uses for spend, I would stop at $3,000 anyway.
I submitted the app and was told to call in to verify information. Unlike the credit analyst for Chase Sapphire Reserve, I was greeted cheerfully. No questions beyond verifying me and reallocating credit. I moved $5,000 credit from my IHG card. Approved.
I’ll take it.
My Chase Sapphire Reserve Strategy
I have 2 Freedom cards. After I max out first quarter gas stations and second quarter drug stores, I may upgrade one to Chase Sapphire Reserve because I do not have any Chase card that can transfer Ultimate Rewards to airlines. My wife loves to fly Korean and I highly value United MileagePlus. I’ve been limping along without having a UR transfer-eligible card.
Maybe I’ll see if I can get lucky and convert the BA instead.
p.s. I am way, way, way over 5/24.