I have all 3 cards and I will be flying my first “free” trip ever. It’s not business class but it’s still a free trip
@DaveM-FFB
28 күн бұрын
Makes sense! However, we travel a LOT, and prefer to get $12K - $15K of annual value at Hyatt hotels. We just use a 2 card stack for 95% of our purchases. #1 We use the CSR Visa for airlines, cruises, dining and rideshare (3x pts). #2 We use Chase WOH Visa for everything else to earn and maintain Globalist status (based on Qualifying nights, and credit card spend). We always pay for our flights, and sometimes we leverage the cruiseline group discounts on airfare. Cheers!
@Northerner-eu6rx
29 күн бұрын
I am a Chicagoan like yourself and also own Sapphire Reserve. However, one major weakness for us, Chicagoans, is lack of Priority Pass lounge in any of the domestic terminals and the only one "Swissport Lounge" exists in international travel. Chase has created some Sapphire Lounges and none of them exist in Chicago and it doesn't have any future plan either. Chase used to reimburse unto $28 in other selected restaurants and that program has also been disconnected. We need to raise this to Chase and/or Priority Pass as its devaluing the Reserve card.
@mundie33
13 күн бұрын
I travel every week and purposely avoid O Hare. That place is a dump. Plenty of airline lounges though
@m.e.5
21 сағат бұрын
TYSM for sharing this valuable info. Sis and are going on our first trip abroad together w a travel agent. Will def fwd this to her 🙏🏼
@minneapaulis
Ай бұрын
Yes sir! Proud CSR, CF, CFF card holderrrrrr
@OroborusFMA
12 күн бұрын
The Flex is showing its age. It needs a facelift. The quarterly bonuses are always the same. At this point I only use it January to March for groceries and all year long for 3% off on drug stores. The Sapphire Preferred is useless except for travel. If you can get the first year's fee waived (such as opening in-branch) it's ok for a year, which is what I did. But I canceled after the first year.
@kaina732
29 күн бұрын
My Chase Trifecta: Freedom Unlimited, Ink Cash and CSP. I am at 5/24 or I would have the Freedom Flex as well.
@JD-zt3nr
29 күн бұрын
Nik, another thing you might want to remind people about is the shopping portals that the airlines have. Not using a shopping portal for the airline that you like is throwing away miles. One of the stores I buy from online is PetSmart and they just had an increase in their miles yesterday to 3 mi from its usual 1 mi per dollar. So when I spent my $100 order I ended up getting 300 mi instead of 100 MI. Plus of course I used my Chase card so I got the normal 1X miles for the hundred dollars and 300 extra miles for going through the portal. Why would anybody throw away free miles??
@JP7onEarth
Ай бұрын
Nik, another Master Class by you for Us! Amazing. Thanks. JP Porto
@adam723
29 күн бұрын
If you transfer out to Hyatt a lot, the Hyatt card is a good swap for the unlimited for your first $15k of catch all.
@ndomenech6
17 күн бұрын
Hi, I get a lot out of your recordings, I need to know now about credit cards and medical travel insurance.
@Zerobar78.
29 күн бұрын
Great info here, thanks!! I have the Freedom unlimited and Sapphire preferred cards and been using them to book everything on my trip for later this year!!
@diamonddave2622
Ай бұрын
Can we take a moment to thank all the people, who don't settle their CC bill at the end of each month, for paying for our free trips.
@awaytogether
Ай бұрын
😢
@DemetriForex
7 күн бұрын
Grim way to look at it, but it's true. Without them CC rewards would suck
@pcmacintyre
28 күн бұрын
I just got the Sapphire Preferred. Hard to resist as I was offered a 90K Sign Up Bonus.
@juliegriffin684
28 күн бұрын
I'm finding more and more often that businesses are charging anywhere from a two and a half to 4% charge to pay your bill with a card. Is it still worth using the card at that rate?
@erice8502
5 күн бұрын
If you could only have one, and tend to value air travel and lounges more than hotel? Which would it be. Leaning hard to the AMEX Platinum. Just want to ensure I cover that annual fee.
@michellebowers8652
27 күн бұрын
Yeah, well airlines are hip to this and have been hiking up mileage points for business class to astronomical levels.
@aia6584
28 күн бұрын
This is a great video. I’m just starting to research as I love to travel but have no idea how to do it for less or even for free. I’m based in the UK though and I don’t think chase offers these here. Any suggestions for us folks here in the Uk? What cards are best for us?
@LisaNix2
29 күн бұрын
Which of these cards has no foreign transaction fees?
@danitigges6105
22 күн бұрын
🎉Great content - Thank you!
@Tony36847
29 күн бұрын
The value you quote for your trip to Europe is kinda inflated because you're comparing to one way flights. It's pretty easy to find round trip tix for about 6k. So you got around $12k in value. Still awesome so no need to exaggerate
@awaytogether
29 күн бұрын
It wasn't a roundtrip itinerary though - these were the actual retail rates for the open-jaw flights we took if we'd paid cash. I get what you're saying, but there's no exaggeration here.
@dailodai9586
7 күн бұрын
is it ok to apply for the ink preferred if I already have the ink cash card.
@justsaying3899
Ай бұрын
Mostly it depends on sign up bonuses thus the need to own a bunch of credit cards and the other is maximizing your spending with the card that give you the most in return 👍
@tkozikow
29 күн бұрын
Need to be strategic and maximize spend across multiple cards. I evaluate what is in my wallet every quarter.
@jimmyjames6492
29 күн бұрын
Thanks for the info + video!
@cmeuret
4 күн бұрын
Go Bears! 🙈
@philamongthehills501
29 күн бұрын
I was recently in Europe and had paid for flights and hotel stays with my Sapphire I acquired earlier this year and the card would not work in multiple locations in Switzerland, France and Italy so I was quite embarrassed and ticked off but luckily had my local bank debit card and chase Amazon card that worked fine and chase has no idea or record of the problem. I wonder if there is something I need to do since chase will do nothing
@mikecumbo7531
29 күн бұрын
A Visa card was not accepted? Did you verify that the stores accept Visa? I wonder if Chase’s security systems flagged the use in Europe? Did you contact Chase and ask why the transaction(s) was denied? How new is your card?
@philamongthehills501
29 күн бұрын
According to the numerous times I phoned chase and spoke with numerous different departments they have no record of the card being tried to be used. I acquired the card earlier this year and it had worked in the US and via the internet for a Swiss purchase but not in person at multipe locations in three countries and I have no guarantee it ever would
@mikecumbo7531
29 күн бұрын
@@philamongthehills501 I blame the merchant. Once in North Carolina my Amex was “denied”, Amex had my earlier purchases but no attempt by the NC gas station. Another time I tried to buy electronics and another card was “denied” but that card’s issuer said no record of a purchase attempt that day.
@petek5523
29 күн бұрын
The biggest thing I learned from this video is, you gotta live in the US of A 😂😭
@awaytogether
29 күн бұрын
A European friend of mine and I joke about this often.
@petek5523
29 күн бұрын
@@awaytogether it’s all good, I’ll take free healthcare over travel points any day 🤣😅
@awaytogether
29 күн бұрын
@@petek5523 haha got me
@eprohoda
Ай бұрын
good night, Thanks. ammazing ,😯
@luisalvarado8351
Ай бұрын
I wish to apply for the CIP. Is there any problems on using for personal expenses instead of business?
@tkozikow
29 күн бұрын
I use my CIU for many personal purchases. How is Chase going to know?
@suewolf3279
Ай бұрын
I am always amazed at the number of people I know that do not know how to maximize their credit cards benefits
@juditmihalovits4641
Ай бұрын
@suewolf3279. How would people know, about this? Do they teaching in schools?
@suewolf3279
29 күн бұрын
@juditmihalovits4641 it's called doing your own research. All the information is out there. you just have to read. Read your medical benefits. Read your HR manual read the terms and conditions of anything and everything that you're about to join or sign a contract with
@tkozikow
29 күн бұрын
@@juditmihalovits4641do the research...plenty of websites and FB groups have this information. 10X Travel and Award Travel are excellent places to start. We are attending a weekend seminar in Chicago next month focused on how to maximize this hobby. Put in the work and you will be rewarded. Next trip is UA Polaris to Germany for the Christmas markets then Air France in Business next March. All miles...no cash including 10 hotel nights.
@tkozikow
29 күн бұрын
@@juditmihalovits4641 plenty of resources online if you do the research. 10X Travel has a great (free) intro course which can be invaluable if you want to travel and there are many FB groups with knowledgeable and helpful members.
@LisaNix2
29 күн бұрын
Yes but it is complicated 😂
@johnh1855
27 күн бұрын
Hey, Nik. I tried to subscribe to the credit card update in the helpful tips section. I didn’t receive notification that my subscription went through. I looked in my spam folder and still didn’t see notification. Can you help?
@gailjanes577
27 күн бұрын
It sounds as though the optimal arrangement (as you mention), using the Chase family of cards, is to charge all travel related expenses to your Saphire Preferred, and everything else to your Unlimited card, with the caveat that you track the Flex "high point value" categories each quarter, and charge these items to your Flex card, in that quarter. But how do you track which categories are being rewarded (by Flex) from quarter to quarter?
@loupavio8554
29 күн бұрын
vety good vidio but i live in canada
@Jay-Atom50
Ай бұрын
If I just get the case sapphire reserve, will that be sufficient to meet most of the trifecta type benefits ?
@tkozikow
29 күн бұрын
Why stop at a single card? This hobby is a lot more rewarding with more cards. Just added #22 last week with 2-3 more planned this year.
@JD-zt3nr
29 күн бұрын
@@tkozikowI stopped at a single card because every card that I open tanks my credit score. When I applied for my first Chase card 3 months ago my score tanked 30 points. The credit bureaus don't like it when you open new accounts.
@awaytogether
29 күн бұрын
I address this in a different video, but that score dip is temporary. Responsible card use can actually raise your score over time if you keep utilization low. I don't know your situation though.
@awaytogether
29 күн бұрын
@@Jay-Atom50 many benefits for sure but not the benefits of earning on normal everyday purchases. If you’re looking to keep things easy, but want to earn an elevated rate of points on every day spending, it doesn’t get much easier than pairing the freedom unlimited with one of the sapphire cards IMO
@tkozikow
29 күн бұрын
@@JD-zt3nras Nik points out the dip is temporary and my score has not dropped below 800 in the past 3+ years. If you really want to get into this hobby it is difficult without a diverse card portfolio. Citi TYP, Chase URs, Amex MRs, and C1 points all have value and offer a lot of flexibility when we are planning travel.
@rossipremier
Ай бұрын
Combining with your spouse has gotten WAY harder lately almost to the point of not worth it. Can't be done online and you have to call now, and they don't always let you do it or really give you the run around to do it. But if you're short on one account and really need it, then go for it and just know it could be an uphill battle
@awaytogether
Ай бұрын
Oh really? After that initial call, the transfers have been pretty easy for us.
@rossipremier
Ай бұрын
@@awaytogether we've certainly had mixed results, and my brother in law has given up once before and now just deals with their points being in two buckets. Seems to be very dependent on who you get when you call
@k.mustafa5455
23 күн бұрын
Can only speak to Chase but my wife and I just did it two days ago. Took maybe 6-8 mins and the test pt transfer he did for her took only a few seconds. We’re good to go now. We did have to call though, can’t do it online.
@Krismap
28 күн бұрын
I only fly Delta so card I use Chase Trifecta and transfer points to Delta? I have the Amex but need other options to earn points
@zlauriault
29 күн бұрын
I have a couple of questions: 1. What did I miss, as you were talking about cash back cards as if they were giving points? 2. When will you make a video about the AMEX trifecta?
@giellekaikey6000
Ай бұрын
You have to use travel chase…aren’t travel chase higher than simply finding your own airline fare
@awaytogether
Ай бұрын
Best way to use these points is actually transferring them to airlines and hotels at a 1:1 ratio. Sometimes chase travel has good deals, but the redemption is always better IMO if you transfer.
@rossipremier
Ай бұрын
Agree, the Chase travel portal is a bit of a last resort if the transfer partners don't have availability or aren't in the location you need. The portal will let you use points for any stay regardless of reward availability. But the redemption is a 'worse value' 90% of the time.
@tkozikow
29 күн бұрын
@@awaytogethereven better is transferring when there is a bonus.
@tkozikow
29 күн бұрын
@@awaytogether with a combination of research, planning, and luck you can get better than 1:1 UR and MR transfers to airlines.
@MsTruthSeekr1
2 күн бұрын
@@awaytogetherHi Nik. I am waiting for my CSP to arrive in the mail to use for payment on 4 cruises booked through my agent on RCL. E are also planning to rent a car from Wisconsin to Florida and back both times. I looked in the portal at car rental rates and our rate directly through Enterprise is cheaper. Are we able to transfer points to rent directly with Enterprise? Thank you in advance!
@mdantor3845
27 күн бұрын
Code
@richardball7251
13 күн бұрын
Who is putting 4K on a credit card in this economy??
@toecari
2 күн бұрын
You spread that over 3 months. Use it to get gas, groceries, when you go out to eat. Think about what you spend cash on and it might work out
@DidIDoThaat
29 күн бұрын
How convenient you post these three cards and want people to use your referral code to gain those $15k of travel. I will use my referral to someone who deserves it.
@awaytogether
29 күн бұрын
You're right - these videos must be incredibly easy to make. :) I didn't do this for a referral. Please, do as you see fit!
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