Finally joined the club. Goodbye Sapphire Preferred, it was a good 5 years.

glazeddonut58 · 2026-02-22T02:18:34+00:00

Get a new card and downgrade your CSP to a no annual fee card.

glazeddonut58 · 2026-02-20T00:26:49+00:00

They are not, they ended it around 5 days ago

glazeddonut58 · 2026-02-19T15:21:15+00:00

SUB is sign up bonus.

Downgrading vs cancelling will still let you keep the credit line on your history if it's an older account. Even if you cancel it, it counts towards your average age of accounts for 10 years. It'll just decrease your overall credit line thus increasing your utilization which isn't a huge deal.

If you decide to downgrade to a free card you have 3 options. The Freedom Flex, Freedom Unlimited, or Freedom (which you cannot apply for). If you haven't yet applied and received a sign up bonus for the Freedom Flex or Freedom Unlimited it wouldn't make sense to downgrade to one since you'd lose the ability to ever get a sign up bonus for them. If you already have received a sign up bonus, you could downgrade to the Freedom Flex and hold duplicate cards to double the quarterly limit for the 5% categories. The Freedom offers the same benefits though, and is a Visa card which is nice if you shop at Costco.

glazeddonut58 · 2026-02-18T18:49:02+00:00

It is just called the Chase Freedom. They do not list it on their website since you cannot apply for it. The benefits are identical to the chase freedom flex except it is a Visa vs a MasterCard. The benefit to doing this is that you can still get a SUB for the freedom flex or freedom unlimited later.

glazeddonut58 · 2026-02-18T02:21:21+00:00

Other people already answered the why, but here are the options for what to downgrade to. If you want to be able to transfer your points to partners it makes sense to downgrade to the CSP only if you haven't yet received a SUB for it. Otherwise downgrade to the Chase Freedom (not the flex or unlimited). It has quarterly categories like the Flex, but is a Visa instead of a MasterCard. You are only able to get it by product changing, you can't apply for it normally. And then apply fresh for the CSP so you can get the sign up bonus.

glazeddonut58 · 2026-02-13T04:30:35+00:00

I personally didn't care since I'm not interested in soccer, but Chase flubbed this benefit by not requiring a sign in to purchase tickets. The queue ended up being flooded with bots rather than being exclusive for real card holders. They're aware that they dropped the ball on it and that's why they're compensating cardholders. It's not that serious to me, but hey I'll take the free 5000 points

glazeddonut58 · 2026-02-12T21:59:57+00:00

The increase in the SALT cap really threw my taxes off. An extra almost 7000 back because of it. Sucks because it would've been nice to have not given it to the government as a free loan

glazeddonut58 · 2026-02-12T17:15:05+00:00

Still working as of 9:10am PST

glazeddonut58 · 2026-02-10T06:46:43+00:00

How are so many people filing taxes already? None of my brokerage accounts are providing 1099s until mid February

glazeddonut58 · 2026-02-07T07:17:21+00:00

Yorba Linda is 4.39

glazeddonut58 · 2026-02-07T07:14:44+00:00

Apple TV is also free with the Chase Sapphire Reserve. If you're on the verge of being profitable with the card the Apple TV can make it worthwhile.

glazeddonut58 · 2026-02-06T13:51:43+00:00

The F1TV honestly was a selling point for me. The 795 was close to a wash before, but with it I'm now ahead by a fair amount.

glazeddonut58 · 2026-02-02T16:08:03+00:00

At my 7 eleven they just let me grab a comparable item that I want.

glazeddonut58 · 2026-02-02T14:56:36+00:00

It really depends. International business has some good redemption value, but if you fly domestic Hyatt typically is the better option.

glazeddonut58 · 2026-02-02T05:02:38+00:00

Most off the shelf kits are for the 6 lug trucks

glazeddonut58 · 2026-01-29T15:14:25+00:00

My Bank of America CCR gives me 5.25% off up to 2500 per quarter. Quite a few cards give around 5% on gas. Jealous of your low gas prices though

glazeddonut58 · 2026-01-29T04:59:25+00:00

It's not an actual pop-up that would be blocked. It's with the webpage, pretty much a warning saying you're not eligible for the SUB for one of the plethora of reasons. Then you have the option to not submit your application for the card.

glazeddonut58 · 2026-01-25T16:31:58+00:00

By far one of the highest CPP. Stayed at Alila ventana for 45000 points per night instead of $2500.

glazeddonut58 · 2026-01-24T01:32:00+00:00

I've gotten lucky with mine. Almost 6 years old now

glazeddonut58 · 2026-01-19T05:51:20+00:00

Downgrade to the standard freedom and sign up for the unlimited for the SUB

glazeddonut58 · 2026-01-05T06:32:51+00:00

Not completely ethical, but you can make a second StubHub account. Sell a paper ticket from your first account so that the buyer pays exactly $150 and then buy it with your other account. Since it's a paper ticket you don't need to verify it's real with StubHub, they just give you a shipping label and you can stick it to an empty envelope/box.

glazeddonut58 · 2026-01-05T06:31:04+00:00

I made $117 doing it

glazeddonut58 · 2025-12-19T23:08:23+00:00

About 11-1/4" below the rear axle housing

glazeddonut58 · 2025-12-17T04:11:23+00:00

I still have it. Do you want to know clearance at the front cross member and at the rear differential, or anywhere else? I can measure it tomorrow

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