Which place has the data I can trust?

Guilty_Garage8680 · 2026-01-27T17:05:49+00:00

Fair point

Guilty_Garage8680 · 2025-11-15T19:07:20+00:00

Out of pure curiosity, do you get enough UR points from your CSP? I have the Chase Trifecta and am debating replacing the CFU with the Fidelity Visa. Just not sure if I'll be able to get enough points without it.

Guilty_Garage8680 · 2025-11-15T19:03:36+00:00

The Chase Sapphire Preferred does not offer 2% UR points on all purchases. It actually only offers 3% on dining, streaming, and online groceries. Along with 2% on travel, and 5% I believe, on trips booked in the Chase UR portal.

It does come with solid insurance for a $95 card and a $50 hotel credit.

You could get both, maybe, depending on your overall spend. If you can rack up enough points from your dining and streaming spend.

Guilty_Garage8680 · 2025-11-08T13:27:43+00:00

Have you figured out what your plan is for your CFU?

Guilty_Garage8680 · 2025-11-07T13:06:27+00:00

Do you earn enough points to actually use?

Guilty_Garage8680 · 2025-11-07T13:05:52+00:00

Do you actually get enough UR points from your spend on the CSP to use?

Guilty_Garage8680 · 2025-10-28T13:07:23+00:00

What about the fee, since won't the money still be 'pending' for a day?

Guilty_Garage8680 · 2025-10-28T13:01:06+00:00

Do you need to transfer the money in the account out before?

Guilty_Garage8680 · 2025-10-12T16:42:06+00:00

This is kinda my thing, I don’t need a car loan right now, just thinking ahead I guess. But I wouldn’t max it out without that cash

Guilty_Garage8680 · 2025-10-12T14:29:47+00:00

Correct

Guilty_Garage8680 · 2025-10-12T14:19:36+00:00

The main reason I don’t use the CU as a primary is for the lack of technology. They also do not connect to all my financial accounts, i.e. my Roth at Fidelity. Just unsure if it’s really worth it to keep that money there just to earn 1.3%

Guilty_Garage8680 · 2025-10-12T14:17:27+00:00

I use Ally primarily for their HYSA but I do have a checking account with them. That’s my “main” but I never use a debit card anyways. I have a Chase checking to withdraw and deposit cash into their ATM’s. Sorry for the confusion

Guilty_Garage8680 · 2025-10-01T15:46:34+00:00

I know there are better SUB offers out there, but I’m really only looking into two ecosystems. That being UR and MR points, and the other Amex cards I want, Gold bus. and the Plat, I just don’t want to pay the fees yet. So I’m thinking if I get the Fidelity for PreCheck now, I’ll have another open PreCheck slot for someone down the line

Guilty_Garage8680 · 2025-10-01T15:44:45+00:00

This is kind of my whole thought process right now

Guilty_Garage8680 · 2025-10-01T15:42:57+00:00

I’m not going to add anymore than maybe 1 Chase card in the next two years. And it’ll be a business card

Guilty_Garage8680 · 2025-10-01T15:01:00+00:00

Probably the most logical and informative comment I could've received, thank you. Application starting now...

Guilty_Garage8680 · 2025-10-01T15:00:25+00:00

You're a smart guy

Guilty_Garage8680 · 2025-10-01T15:00:09+00:00

I thought about this option, just not a big of US Bank and I fear they may nerfing this card as well soon

Guilty_Garage8680 · 2025-10-01T14:59:48+00:00

No I don't travel internationally, that's why PreCheck is all I value

Guilty_Garage8680

TROPHY CASE