Jan 3, 2021, 2:43 pm
Last edit by: zebranz
Please record data points in a structured form in this wiki (in addition to posting to the thread):
Date of the offer [mm/dd/yyyy], the offer, how long you had the card and yearly spend)
__________________________________________________ _____________
Tips:
When you call, you MUST ask if there are any offers on your account. Don't ask for an AF waiver, ask if they can credit your account the $95 (or whatever your AF is) to your account. They cannot remove the AF, but they can credit an amount to offset it. If you cancel your card within 30 days of receiving retention bonus, then Chase may claw back that bonus Note that Chase has shortened the period in which you can close the card and get the fee refunded. It is 30 days for most (or all?) cards.
If you don't get a retention bonus, the card you are holding may have the option of a downgrade. Cards that are downgraded may be upgraded at a later date. For example a no-fee Sapphire product exists for downgrade which is not available to new applicants. Consolidated discussion of that topic is here: http://www.flyertalk.com/forum/chase...16-onward.html
If you have Ultimate Rewards points in the account you're calling about, try transferring them to another account before calling. For example, if you will ask for a retention on your Sapphire card, transfer the points to your Freedom card in advance.
The archived 2020 edition is here: https://www.flyertalk.com/forum/chas...-archived.html
__________________________________________________ ___________
Chase IHG Rewards Club Premier VISA
6/9/20 - No offers. Paid the $89 annual fee
7/13/20 - No offers, cancelled (card opened March 2016 and upgraded to Premier in April 2020, but zero spend on it)
12/11/20 no offers (no spend) called twice
7/7/2021 - $50 Credit, had card for 3 years w/ $0 spend
11/29/21 - $5 Credit, had card for 3 years w/ $0 spend too
3/3/22 - no offers, $0 spend, paid fee.
6/6/23 - $90 statement credit, no spend requirement.
7/6/23 - $50 statement credit (w/no spend requirement). Had card for several years, $20 monthly spend.
8/12/23 - $50 statement credit. Have had card for years but in May received business card. Prior minimal spends only at IHG hotels.
Chase IHG rewards Club Mastercard (older version of Chase IHG)
9/9/20- $25 credit. Zero spend.
11/25/20 - $25 credit. Zero spend required.
12/1/20 - $25 credit. Zero Spend required. Almost zero spend on card and have had it ~5 years, first retention offer.
12/7/20 - $25 credit, Zero spend required, Almost Zero Spend, had card for 7 years, first retention offer
3/27/21 - no retention offer, only about $170/month on cell phone for last few months, zero spend before then, had card for several years.
7/18/21 $25 credit. Zero spend required. Zero spent on card. Had since 2012.
Chase Sapphire Preferred
7/6/2020 offered and took $60 account credit, had card since 2011, $100,000 spend
12/26/2020 offered $60 statement credit. accepted. Took less than 1 min. Had card for 5 yrs. Spend ~10K this year.
12/26/2020 no retention offer. Downgraded to Freedom Unlimited. Spend, ~$6K a year.
1/2/2021 Many years, variable spend, 2019 was probably around 10K (as a Reserved), 2020 less for obvious reasons, no offer, closed
2/2/2021: 6k spend last year. No offer, told to use my Ultimate Rewards points to pay for the fee if I wanted to offset it.
4/29/2022 Little spend, offer to downgrade to no fee card, closed account
Chase Sapphire Reserve
12/30/2020 Offered $150. Annual spend ~ $40k. AF hit 1 December
1/28/2021: 40K spend last year. Called to see any retention offers. $150 statement credit. Took it right away.
2/9/2021: 8K spend last year. Called and asked, no offers.
2/25/2021: $6K spend in 2020 (much lower than usual). Called and asked to offset $450 renewal that hit 2/1. Offered $250. Accepted it (of course).
10/28/21 No offer and am billed the full $550 both in 20 and 21
12/04/21: No offer. Will retain and use PYB to defray af
4/13/22: No offer. Did nor ask. About $6k annual spend over several years
9/1/22 : 40-50k average spend (but 25k last couple of years). Offered 50% bonus to use UR points for PYB on AF (ie. 1.5c value). Declined and downgrade to CSP.
9/16/22: 24K average spend; AF due; called and asked for offer; no offer. PC to FU.
3/17/23 30K spend last 12 mos. No offer. Called twice. PC to FU. Pissed by changes to Pay Yourself Back.
Chase World of Hyatt Visa
9/4/20 No offer, had a high spend
11/19/20: $35 statement credit
9/17/21: $50 statement credit
12/06/21: No offer, and a regular spender on card at Hyatts and for Hyatt night credits
Chase United MP Explorer
13 Nov 2020, offered and accepted $60 credit, had card since 2004, $8000 spend in 2019, $800 year to date
2/24/2023 offered and accepted $100 statement credit. Had card for three years, spend varied between $3k and $15k per year.
Chase UA Presidential Plus MC
12/29/2021: Offered $100 statement credit with no spend requirement (same offer received in previous years). Approx. $28K spend in past year, about 1/4 of usual spend on that card. Accepted offer and credit posted on 1/4/2022.
Chase United Quest
21 April 2022: $100 statement credit, no requirements.
4 May 2022: $100 statement credit, no requirements.
17 May 2022: $100 statement credit, no requirements.
22 June 2022: $100 statement credit, no requirements.
6 October 2022: $100 statement credit, no requirements.
28 May 2023: $100 statement credit, no requirements.
9 June 2023: no offer.
Chase United Business
20 Jun 2022, no offer at 2nd anniversary. Almost no spend.
Chase Marriott Boundless
03 Dec 2020. Offered and accepted $50 credit (towards $95 fee) with no spend required. $0 spend in last 12 months.
16 Jan 2021. Offered and accepted $50 credit (towards $95 fee) with no spend required.
6/9/21: nothing offered (other than downgrade) but I have little to no spend on this (terrible) card
07 Jul 2021: First rep offered nothing. HUACA, offered and accepted $50 credit (towards $95 fee) with no spend required. No spend in last 12 months.
Chase British Airways
02/09/2021 No offer. Spent $50k
03/23/2021 Offered 15k to keep. Had 3 years, spent $10k 1st year only
06/08/2021 Offered 15k to keep
09/14/2021: Offered and accepted $50 statement credit (towards $95fee) with no spend required. $0 spend since CoVid.
11/13/2021: No offer. Had for several years, minimal use
02/15/2022 No offer. Had for 2 yr w/ $50k spent/yr
03/23/2022 Offered 15k, minimal spend. Had multiple years
06/16/2022: Offered 15k Avios, no spend. Accepted. Chase BA cardholder for 11 years. $0 spend year to date, probably $0 spent last year.
09/28/2022 No offer. 1 yr old card
02/04/2023: No offer. Longtime cardholder, little spent
02/14/2023: No offer. 1 yr old. Minimal spent
Chase Ritz Carlton Visa
January 2022: Offered and accepted $150 statement credit with no spend required; ~$5,000 spend in 2021. Second consecutive retention offer.
6/6/23: $150 statement credit (no spend requirement). First time requesting a retention offer. $3K annual spend
Chase Southwest Plus (Personal, not Business)
11 Feb 2022: Offered $70 to offset $69 annual fee. Third anniversary, had paid the fee on first two anniversaries. Had some recent spend but rarely used before that. Called after fee had posted on statement.
06 Feb 2023: Offered $70 to offset $69 annual fee. Fourth anniversary, had same credit last year. Had a quarterly spend offer I maxed out, otherwise no spend. Called after fee had posted on statement.
JPM Reserve
10 Oct 2022, No offer at 8th anniversary.
Ink Business Preferred
06 Feb 2023: No offer. First anniversary, minimal spend after signup bonus. Called after fee posted on statement.
03 May 2023: No offer. First anniversary, minimal spend after signup bonus (maybe $300). Called after fee posted on statement.
Marriott Premier Plus Business Visa
22 Mar 2023. No offer. Card opened 2015. $2k spend last 12 months. Got $100 2 years ago, $50 last year, nothing this year. Closed card.
Date of the offer [mm/dd/yyyy], the offer, how long you had the card and yearly spend)
__________________________________________________ _____________
Tips:
When you call, you MUST ask if there are any offers on your account. Don't ask for an AF waiver, ask if they can credit your account the $95 (or whatever your AF is) to your account. They cannot remove the AF, but they can credit an amount to offset it. If you cancel your card within 30 days of receiving retention bonus, then Chase may claw back that bonus Note that Chase has shortened the period in which you can close the card and get the fee refunded. It is 30 days for most (or all?) cards.
If you don't get a retention bonus, the card you are holding may have the option of a downgrade. Cards that are downgraded may be upgraded at a later date. For example a no-fee Sapphire product exists for downgrade which is not available to new applicants. Consolidated discussion of that topic is here: http://www.flyertalk.com/forum/chase...16-onward.html
If you have Ultimate Rewards points in the account you're calling about, try transferring them to another account before calling. For example, if you will ask for a retention on your Sapphire card, transfer the points to your Freedom card in advance.
The archived 2020 edition is here: https://www.flyertalk.com/forum/chas...-archived.html
__________________________________________________ ___________
Chase IHG Rewards Club Premier VISA
6/9/20 - No offers. Paid the $89 annual fee
7/13/20 - No offers, cancelled (card opened March 2016 and upgraded to Premier in April 2020, but zero spend on it)
12/11/20 no offers (no spend) called twice
7/7/2021 - $50 Credit, had card for 3 years w/ $0 spend
11/29/21 - $5 Credit, had card for 3 years w/ $0 spend too
3/3/22 - no offers, $0 spend, paid fee.
6/6/23 - $90 statement credit, no spend requirement.
7/6/23 - $50 statement credit (w/no spend requirement). Had card for several years, $20 monthly spend.
8/12/23 - $50 statement credit. Have had card for years but in May received business card. Prior minimal spends only at IHG hotels.
Chase IHG rewards Club Mastercard (older version of Chase IHG)
9/9/20- $25 credit. Zero spend.
11/25/20 - $25 credit. Zero spend required.
12/1/20 - $25 credit. Zero Spend required. Almost zero spend on card and have had it ~5 years, first retention offer.
12/7/20 - $25 credit, Zero spend required, Almost Zero Spend, had card for 7 years, first retention offer
3/27/21 - no retention offer, only about $170/month on cell phone for last few months, zero spend before then, had card for several years.
7/18/21 $25 credit. Zero spend required. Zero spent on card. Had since 2012.
Chase Sapphire Preferred
7/6/2020 offered and took $60 account credit, had card since 2011, $100,000 spend
12/26/2020 offered $60 statement credit. accepted. Took less than 1 min. Had card for 5 yrs. Spend ~10K this year.
12/26/2020 no retention offer. Downgraded to Freedom Unlimited. Spend, ~$6K a year.
1/2/2021 Many years, variable spend, 2019 was probably around 10K (as a Reserved), 2020 less for obvious reasons, no offer, closed
2/2/2021: 6k spend last year. No offer, told to use my Ultimate Rewards points to pay for the fee if I wanted to offset it.
4/29/2022 Little spend, offer to downgrade to no fee card, closed account
Chase Sapphire Reserve
12/30/2020 Offered $150. Annual spend ~ $40k. AF hit 1 December
1/28/2021: 40K spend last year. Called to see any retention offers. $150 statement credit. Took it right away.
2/9/2021: 8K spend last year. Called and asked, no offers.
2/25/2021: $6K spend in 2020 (much lower than usual). Called and asked to offset $450 renewal that hit 2/1. Offered $250. Accepted it (of course).
10/28/21 No offer and am billed the full $550 both in 20 and 21
12/04/21: No offer. Will retain and use PYB to defray af
4/13/22: No offer. Did nor ask. About $6k annual spend over several years
9/1/22 : 40-50k average spend (but 25k last couple of years). Offered 50% bonus to use UR points for PYB on AF (ie. 1.5c value). Declined and downgrade to CSP.
9/16/22: 24K average spend; AF due; called and asked for offer; no offer. PC to FU.
3/17/23 30K spend last 12 mos. No offer. Called twice. PC to FU. Pissed by changes to Pay Yourself Back.
Chase World of Hyatt Visa
9/4/20 No offer, had a high spend
11/19/20: $35 statement credit
9/17/21: $50 statement credit
12/06/21: No offer, and a regular spender on card at Hyatts and for Hyatt night credits
Chase United MP Explorer
13 Nov 2020, offered and accepted $60 credit, had card since 2004, $8000 spend in 2019, $800 year to date
2/24/2023 offered and accepted $100 statement credit. Had card for three years, spend varied between $3k and $15k per year.
Chase UA Presidential Plus MC
12/29/2021: Offered $100 statement credit with no spend requirement (same offer received in previous years). Approx. $28K spend in past year, about 1/4 of usual spend on that card. Accepted offer and credit posted on 1/4/2022.
Chase United Quest
21 April 2022: $100 statement credit, no requirements.
4 May 2022: $100 statement credit, no requirements.
17 May 2022: $100 statement credit, no requirements.
22 June 2022: $100 statement credit, no requirements.
6 October 2022: $100 statement credit, no requirements.
28 May 2023: $100 statement credit, no requirements.
9 June 2023: no offer.
Chase United Business
20 Jun 2022, no offer at 2nd anniversary. Almost no spend.
Chase Marriott Boundless
03 Dec 2020. Offered and accepted $50 credit (towards $95 fee) with no spend required. $0 spend in last 12 months.
16 Jan 2021. Offered and accepted $50 credit (towards $95 fee) with no spend required.
6/9/21: nothing offered (other than downgrade) but I have little to no spend on this (terrible) card
07 Jul 2021: First rep offered nothing. HUACA, offered and accepted $50 credit (towards $95 fee) with no spend required. No spend in last 12 months.
Chase British Airways
02/09/2021 No offer. Spent $50k
03/23/2021 Offered 15k to keep. Had 3 years, spent $10k 1st year only
06/08/2021 Offered 15k to keep
09/14/2021: Offered and accepted $50 statement credit (towards $95fee) with no spend required. $0 spend since CoVid.
11/13/2021: No offer. Had for several years, minimal use
02/15/2022 No offer. Had for 2 yr w/ $50k spent/yr
03/23/2022 Offered 15k, minimal spend. Had multiple years
06/16/2022: Offered 15k Avios, no spend. Accepted. Chase BA cardholder for 11 years. $0 spend year to date, probably $0 spent last year.
09/28/2022 No offer. 1 yr old card
02/04/2023: No offer. Longtime cardholder, little spent
02/14/2023: No offer. 1 yr old. Minimal spent
Chase Ritz Carlton Visa
January 2022: Offered and accepted $150 statement credit with no spend required; ~$5,000 spend in 2021. Second consecutive retention offer.
6/6/23: $150 statement credit (no spend requirement). First time requesting a retention offer. $3K annual spend
Chase Southwest Plus (Personal, not Business)
11 Feb 2022: Offered $70 to offset $69 annual fee. Third anniversary, had paid the fee on first two anniversaries. Had some recent spend but rarely used before that. Called after fee had posted on statement.
06 Feb 2023: Offered $70 to offset $69 annual fee. Fourth anniversary, had same credit last year. Had a quarterly spend offer I maxed out, otherwise no spend. Called after fee had posted on statement.
JPM Reserve
10 Oct 2022, No offer at 8th anniversary.
Ink Business Preferred
06 Feb 2023: No offer. First anniversary, minimal spend after signup bonus. Called after fee posted on statement.
03 May 2023: No offer. First anniversary, minimal spend after signup bonus (maybe $300). Called after fee posted on statement.
Marriott Premier Plus Business Visa
22 Mar 2023. No offer. Card opened 2015. $2k spend last 12 months. Got $100 2 years ago, $50 last year, nothing this year. Closed card.
Chase Retention Offers (2021-2023)
Oct 1, 2021, 7:13 am
#301
Join Date: Jun 2014
Location: ORD
Posts: 132
Just closed my CSR. Twas a slightly bittersweet moment because I opened it the first day it was available, had to go in-branch and the banker didn't even know what I was talking about. I told him exactly what to do and I walked out a happy man. We had some great times, that old CSR and me, racked up a hell of a lot of URs.
Anyway, I called recon asked for offers, was quite bluntly told no dice, asked to downgrade to CFU, took maybe two minutes. C'est la vie. Slightly off topic, but I'm at 0/24, how long should I wait before applying for CSP?
Good luck with your retentions, everyone!
Anyway, I called recon asked for offers, was quite bluntly told no dice, asked to downgrade to CFU, took maybe two minutes. C'est la vie. Slightly off topic, but I'm at 0/24, how long should I wait before applying for CSP?
Good luck with your retentions, everyone!
Oct 1, 2021, 7:24 am
#302
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Signatures.
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 49,140
Oct 1, 2021, 8:25 am
#303
Join Date: Aug 2015
Posts: 143
Just closed my CSR. Twas a slightly bittersweet moment because I opened it the first day it was available, had to go in-branch and the banker didn't even know what I was talking about. I told him exactly what to do and I walked out a happy man. We had some great times, that old CSR and me, racked up a hell of a lot of URs.
Anyway, I called recon asked for offers, was quite bluntly told no dice, asked to downgrade to CFU, took maybe two minutes. C'est la vie. Slightly off topic, but I'm at 0/24, how long should I wait before applying for CSP?
Good luck with your retentions, everyone!
Anyway, I called recon asked for offers, was quite bluntly told no dice, asked to downgrade to CFU, took maybe two minutes. C'est la vie. Slightly off topic, but I'm at 0/24, how long should I wait before applying for CSP?
Good luck with your retentions, everyone!
I downgraded my CSR to a Freedom on 9/21 and then applied for and was approved for a CSP on 9/26. Needed it quickly since I had some expenses coming up and requested it to be expedited via Secure Message on my Chase account. Arrived in a UPS envelope on 9/28.
Oct 5, 2021, 10:12 am
#304
Join Date: Nov 2006
Location: SFO South Bay
Programs: UA 2MM
Posts: 3,053
I have called 3 times over that past week since my AF posted on Oct 1 for my CSR. All 3 times I was told there is no retention offer available for me. I have held the card since Sept 2016, with annual travel spend of $15K to $25K. Last 12 months is $20K. Very surprised that they are so firm on no retention offer. Not a big deal since I plan to PC to FF, wait 4 days, and then sign up again for CSR in order to get new 12 months of Pink and 60,000 points. But still, odd that they do not care about losing a customer.
Oct 5, 2021, 3:02 pm
#305
Join Date: Sep 2015
Posts: 5
I called earlier today since the annual fee posted on Oct 1st for my CSR. I asked them if there is anything to help reduce the annual fee or any retention offer but they said nothing available for my CSR so I went ahead to request a product change to freedom flex. The process was very quick and they seems not want to keep you as customer anymore.
Oct 5, 2021, 10:33 pm
#306
Join Date: Feb 2012
Posts: 202
Just closed my CSR. Twas a slightly bittersweet moment because I opened it the first day it was available, had to go in-branch and the banker didn't even know what I was talking about. I told him exactly what to do and I walked out a happy man. We had some great times, that old CSR and me, racked up a hell of a lot of URs.
Anyway, I called recon asked for offers, was quite bluntly told no dice, asked to downgrade to CFU, took maybe two minutes. C'est la vie. Slightly off topic, but I'm at 0/24, how long should I wait before applying for CSP?
Good luck with your retentions, everyone!
Anyway, I called recon asked for offers, was quite bluntly told no dice, asked to downgrade to CFU, took maybe two minutes. C'est la vie. Slightly off topic, but I'm at 0/24, how long should I wait before applying for CSP?
Good luck with your retentions, everyone!
Oct 6, 2021, 8:58 am
#307
Join Date: Aug 2014
Posts: 1,322
Yep, and then the 4x on fuel points at some regional grocery stores to stack with retail GC's like AMZN. CSR still easily worth a couple thousand bucks for me to redeem against dining the next 6 months, what is the consensus on the AF these days $550-$300-$60 = $190? Are people really not crushing $190 on this with the 1.5x cash (PYB) redemption? I'd have liked a 1.5x "cash" redemption on some other cards in the past.
Last edited by DeltaNeutral28; Oct 6, 2021 at 9:04 am
Oct 6, 2021, 4:00 pm
#308
Join Date: Nov 2014
Programs: UA 2MM
Posts: 1,682
Yep, and then the 4x on fuel points at some regional grocery stores to stack with retail GC's like AMZN. CSR still easily worth a couple thousand bucks for me to redeem against dining the next 6 months, what is the consensus on the AF these days $550-$300-$60 = $190? Are people really not crushing $190 on this with the 1.5x cash (PYB) redemption? I'd have liked a 1.5x "cash" redemption on some other cards in the past.
I do agree with you where it would be nice if Chase did have this card as a $0.015 per point cash back option, that would make this way more valuable as dining and travel would at that point be 4.5% cash back.
Oct 7, 2021, 8:12 am
#309
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Signatures.
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 49,140
Oct 7, 2021, 8:56 am
#310
Join Date: Aug 2014
Posts: 1,322
I mean yea, that's what has been happening since March 2020. If they always keep at least one respectable PYB category (gas, grocery, and especially dining), that benefit alone makes card is a home run at $190 per year, separate from the other benefits that are also nice. The CFU and CFF frenzy the past 18 months on SUB/Grocery 5x/Referrals has made it embarrassingly easy to stockpile UR and move to CSR for PYB at 0.015 cpp. At that point, it becomes essentially 0.015 same as cash with PYB offsetting dining.
Oct 7, 2021, 10:44 am
#311
Join Date: Nov 2014
Programs: UA 2MM
Posts: 1,682
Southwest Plus Card, signed up last year when they had a 50,000 RR sign up bonus for $2k in spend. Total spend on the card over the last 12 months ~$3,000.00, asked if there were any offers on the account quick answer of "no", transfered most of the credit limit to another card and closed the account, may review signing up for card again if they have another good sign up bonus when I am eligible again. As the AF had posted they said they could transfer everything but $1,069 to another card.
Oct 7, 2021, 11:13 am
#312
Community Director Emerita
Join Date: Oct 2000
Location: Anywhere warm
Posts: 33,888
Chase Sapphire - had it for many years. Was not offered a retention offer. Kept the card. I am happier with it this year as it's gone to 3x on restaurants. It has always been our go to for car rental insurance.
Oct 7, 2021, 11:45 am
#313
Join Date: Sep 2017
Posts: 17
Had a CSR for 5 years; called twice and did not receive an offer. Planning to downgrade but have gotten differing details from each rep in terms of timing and refund. Does anyone know for sure how long we have to downgrade in order to get full AF refund? I've heard 41 days from statement closing date from one rep, and 30 days from AF posting from another rep. I've also heard that prorating is based on a monthly calculation from one rep, and a daily calculation from another rep. I'm trying to decide whether it's worth it to wait for my $300 travel credit to post before downgrading. Thanks.
Oct 7, 2021, 12:14 pm
#314
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Signatures.
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 49,140
It doesn't' matter what anyone tells you. Chase has a written policy, and it is printed on each and every paper/pdf statement. You are eligible for a refund for 30 days after the date of the STATEMENT on which the renewal fee is billed. I encourage you to read it for yourself.
Last edited by mia; Oct 7, 2021 at 3:31 pm
Oct 7, 2021, 1:06 pm
#315
Join Date: Mar 2014
Location: NYC
Programs: DL Platinum, AA Plat Pro, Bonvoy Lifetime Platinum, JetBlue Mosaic 3, Amtrak Select
Posts: 968
Had a CSR the day it launched. Got my parents involved too and they were so happy with the bonus and they ended up going to Japan (their first time!) in business class (first time!)
But the card hasn't kept up. I earn more points on flights with my Amex Platinum. My Amex Gold earns more on dining and groceries. My Hyatt Visa has been getting a heavy workout with it's 5k spend / 2 qualifying nights deal.
Sadly, the CSR just doesn't fit in anymore at a 250 net cost card. I called and in 2 minutes was downgraded w/o hassle, or even a hint of retention, for a Freedom Flex. And I was delighted to find out my Freedom Flex earns the same on dining as my CSR AND earns 5x in special categories for no fee? Paired with my old school Freedom card and suddenly I think I'll be earning more UR points via the 5x categories than I would have holding the CSR.
I still have an Ink Card for UR transfers, so I'm all set
But the card hasn't kept up. I earn more points on flights with my Amex Platinum. My Amex Gold earns more on dining and groceries. My Hyatt Visa has been getting a heavy workout with it's 5k spend / 2 qualifying nights deal.
Sadly, the CSR just doesn't fit in anymore at a 250 net cost card. I called and in 2 minutes was downgraded w/o hassle, or even a hint of retention, for a Freedom Flex. And I was delighted to find out my Freedom Flex earns the same on dining as my CSR AND earns 5x in special categories for no fee? Paired with my old school Freedom card and suddenly I think I'll be earning more UR points via the 5x categories than I would have holding the CSR.
I still have an Ink Card for UR transfers, so I'm all set