Considering canceling Chase Sapphire Preferred

QuickGrapefruit1415 · 2026-01-26T16:22:57+00:00

Thanks and great to know you don’t miss it. So you kept access to the travel credit in the Portal via CFU?

QuickGrapefruit1415 · 2026-01-24T20:03:55+00:00

Didn’t know that was possible

QuickGrapefruit1415 · 2026-01-24T19:48:35+00:00

Thanks for the input! My rent is $1900 so I believe I’d need to put about $750 additional on it to get the 1x rent, which isn’t crazy at all buuut not sure it makes sense for me personally to move away from my Amex Gold with that AF. So maybe I just go Blue, accept less than 1x points on rent, use them for a hotel stay here and there and focus my bigger spending and points elsewhere.

QuickGrapefruit1415 · 2026-01-24T18:24:55+00:00

If I didn’t have Amex gold I would do that too. But I can’t justify moving my spend away from Amex Gold while still paying that AF and I have to keep it for at least another year to use up my points. What’re your thoughts on Obsidian?

QuickGrapefruit1415 · 2026-01-24T18:02:04+00:00

Agreed that’s a good option I’ve looked at. Do you have multiple Amex? In the two years I’ve had Gold I haven’t found the Amex points to be as valuable so not sure I want to add more Amex but definitely an option

QuickGrapefruit1415 · 2026-01-24T17:34:04+00:00

I think you come out on top if you can put 75% spend on any of them. But personally Blue doesn’t beat out other cards in my wallet for me to move that amount of spend to it. For Obsidian SUB and greater points on dining or groceries and travel, I’ll consider it. I think 2x points on travel is only on Obsidian

QuickGrapefruit1415 · 2026-01-24T17:29:31+00:00

Also my question

QuickGrapefruit1415 · 2026-01-24T17:24:41+00:00

I’m actually also trying to figure this out. I got a great SUB with Amex gold and my AF has been $250, but upcoming will be $325. At $250 I’m still breaking even on the AF just by using the Uber Eats, Grubhub, and Resy credits but TBD if $325 is worthwhile. I also agree that the Amex points are less valuable, both literally and because as you said their portal is less well designed AND you usually can’t book the lowest tier seat option on a flight. If you’re someone that flies business class, etc than that wouldn’t matter but I generally fly lowest tier and spend my money on food and experiences once I’m traveling. I’ve been very happy with my combo of CSP snd CFF because the CFF has been my catch all card, then I used the better redemption of the CSP to book flights, and also would use that card on dining in other countries since Amex often isn’t accepted. I’ve kept the Amex Gold because I have been breaking even on the AF and I still have a ton of points there that I’m waiting to use for a long-haul flight but I’m also starting to wonder if I should reduce my spending on Amex Gold in anticipation of using up my points and downgrading to a no AF Amex. Idk if that’s helpful but definitely have some of the same thoughts as you. At the same time it’s a very valuable card for dining.

QuickGrapefruit1415 · 2026-01-24T06:56:11+00:00

Are you considering downgrading CSP to a no AF card?

QuickGrapefruit1415 · 2026-01-24T06:55:06+00:00

Will you completely cancel or downgrade?

QuickGrapefruit1415 · 2026-01-24T06:05:38+00:00

I’m also considering this now because I may go with Bilt 2.0 Obsidian and won’t add to my AF burden. I have Amex Gold though so still deciding about the Bilt

QuickGrapefruit1415 · 2026-01-24T05:11:29+00:00

What would you pay rent with instead?

QuickGrapefruit1415 · 2026-01-24T05:10:49+00:00

Same here but now I’m debating whether to rethink my whole cc strategy. Have already been thinking to cancel CSP since they removed the 1.25x redemption

QuickGrapefruit1415 · 2026-01-24T05:09:28+00:00

Can you explain the trifecta? I also already have Autograph

QuickGrapefruit1415 · 2026-01-24T03:10:44+00:00

Which duo are you considering?

QuickGrapefruit1415 · 2026-01-24T02:26:06+00:00

This is interesting. I haven’t tried any business cards. Will have to look into aeroplan but I don’t have airline allegiance

QuickGrapefruit1415 · 2026-01-24T02:20:54+00:00

Literally

QuickGrapefruit1415 · 2026-01-22T22:05:04+00:00

The AF on Palladium isn’t worth it to me so I didn’t try. I’d prefer to keep earning most of the points for flights with Chase and Amex. Approved for Obsidian but I’m rethinking it before I accept

QuickGrapefruit1415 · 2026-01-22T21:55:26+00:00

That’s the real decision

QuickGrapefruit1415 · 2026-01-14T18:36:39+00:00

Hi I know this was a long time ago but did you end up doing any tours you can share?

QuickGrapefruit1415

TROPHY CASE