4Hawks
"Be a goldfish" - Ted Lasso
- Joined
- Feb 22, 2017
Thank you! This is very helpful.Since you are considering a Chase UR card, you can't go wrong with either Chase Sapphire card. For your needs, the Chase Sapphire Preferred (CSP) is likely sufficient. Right now the SUB is 60k, but there are some targeted mailers for 80k (my DD's BF just received one). What's nice about UR is that it's really versatile, meaning you can transfer it to several airline and hotel programs, like Southwest, IHG, Hyatt etc, or you can cash out the points.
Right now, Chase offers something called Pay Yourself Back. With the CSP, you can cash out your points for 1.25 cents when you spend on an AirBNB. Not sure if that will be extended past 9/30. The way PYB works is you put charges on in an eligible category, like AirBNB, and then erase that charge with the points you've earned. So if you earn the SUB of 60k, you could "erase" $750 in AirBNB charges. Or cash out at 1 cent each.
CSP 1.25 cent per point. Airbnb. Sept. 30, 2022. CSR 1.5 cents per point. Airbnb and dining at restaurants (including takeout and eligible delivery services). Sept. 30, 2022.
Other people might have better recommendations on cash back cards.
Do not add your spouse as an AU, as that counts towards their 5/24. You have plenty of organic spend, so instead, you can always sign up for a card and then send a support link to your spouse to sign up for the same card. You generate that link from your account. You get extra points for doing that. Your spouse will then earn his own SUB, worth between $600-750. Since your spouse has a Chase login already, he might try logging in and see if he has any special offers towards the CSP. I think there might be a 70k special offer floating around by logging in.
Let us know if you have other questions.
I'm sorry. I meant to say I'm thinking about applying for the Chase Freedom Unlimited. I have edited my post to reflect that. I will look into the Chase Sapphire card as well.