Did Chase Just RUIN the Pay Yourself Back Feature? – The Credit Shifu

by YouTube Team

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Sapphire Preferred:

Chase has made some changes to the Pay Yourself Back feature, this is a feature available on the Sapphire Reserve, Sapphire Preferred, the Ink Business cards and the freedom cards.

Credit Shifu Wallets:

“The content in this video is accurate as of the posting date. Some of the offers may no longer be available.”

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41 comments

Joshua Butler - Credit Cards & Personal Finance January 3, 2023 - 9:07 pm

first

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olympicfireball January 3, 2023 - 9:12 pm

Ugh pt reductions

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Joshua Butler - Credit Cards & Personal Finance January 3, 2023 - 9:13 pm

Let's hope this is the last sad video of the year! 👀 😨

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Llama January 3, 2023 - 9:16 pm

Nerfed

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Alexander Mugatu January 3, 2023 - 9:24 pm

i noticed that yesterday 25% does suck!

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RisenBeatz January 3, 2023 - 9:31 pm

So there no difference between pay yourself back and cash back? How would I PREFER the preferred card? And worst part is I just got it last month smh

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Nate & Jess - Personal Finance, Travel & Investing January 3, 2023 - 9:42 pm

Very sad! Jess and I loved the CSR pay yourself back dining option

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Rolo555 January 3, 2023 - 9:55 pm

I wouldn’t be shocked if Chase introduced a AirBnb credit card this year.

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K Nexus January 3, 2023 - 10:15 pm

Chase just keeps getting worse.

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Kazi January 3, 2023 - 10:20 pm

Rip

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Robbie Dozier January 3, 2023 - 10:21 pm

"the financial downturn in 2020 caused by the governments response to the pandemic" lol if you say so

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DeadxPride January 3, 2023 - 10:22 pm

Rip feelsbadman man

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Scott Shafer January 3, 2023 - 10:38 pm

That was a very unenthusiastic “credit warriors”, get some rest Shifu.

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Manny Covington January 3, 2023 - 10:44 pm

I’m so confused at the 1 CPP for gas on the CSP, like why not just redeem for cash back like you said

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Alexandra Davis January 3, 2023 - 10:46 pm

Love MaxRewards so much.

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christian smith January 3, 2023 - 11:06 pm

lost me when the “government caused the downturn”. put your fishnet mask back on

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trave764 January 3, 2023 - 11:14 pm

This is guys is a hard-core Mega Trump supporter. He even promoted Trumps app/stock right in the mids of Trump's attempt to defraud the government and insurrection. He will sacrifice his soul for a buck.

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DIZZY G January 4, 2023 - 12:10 am

Chase pyb for nothing on the CSP. What a joke!

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I don't want a channel I'm just commenting January 4, 2023 - 12:20 am

Being forced to donate to the central part of a charity with all the overhead 🙁
Donating to the local chapter without the overhead, but is ineligible 🙁

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Logan Scott January 4, 2023 - 12:32 am

I'm disappointed and rethinking my card setup. I was almost exclusively redeeming points on PYB dining charges on my Reserve at 1.5cpp. I'm not going to use the Reserve for gas or grocery purchases since I have better cards for those categories. At 1.25cpp I can get better value using the Amex Gold for dining. Idk what to do with my CSR anymore, there's not really any benefit that another card can't match or beat.

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TheJohnnyCrown January 4, 2023 - 1:11 am

Max Rewards definitely will pay good amount of money to Ben and other YouTubers, but honestly is a piece of garbage, the idea is great but never works ok, always has connecting issues with some banks. I have 3 weeks and not able to connect to my chase account, always getting a connecting problems. Honestly this is very buggy app, not worth using it.

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Andrew Thoren January 4, 2023 - 1:43 am

You ever think of using the X1 card?

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D S January 4, 2023 - 1:45 am

Bad use of points anyways

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Jay January 4, 2023 - 1:46 am

Why does it feel like Chase doesn't like the Sapphire Reserve card… Soon they're going to Nerf everything out of the card, and no one's going to want it at all. Going from the most talked about card on the internet to the most forgettable. * Smh *

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caribdude8151 January 4, 2023 - 2:21 am

👍

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Spencer Johnson January 4, 2023 - 2:27 am

Sad to see them tapering the rewards off as it comes to the PYB feature. Chase really needs to start stepping up their game rather than taking stuff away. Other lenders are just becoming more and more competitive! I hope 2023 is a great year for Chase, but time will tell. Thanks for the update, Ben!

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Tom Rockefeller January 4, 2023 - 2:58 am

The Chase Tryfecta.

The economy has gotten so bad, Ben has gone into Jesse Pinkman mode.

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Ariene Elmore January 4, 2023 - 3:23 am

Pay money to the service for them to tell you which card to pay for purchases to make some points to come back to being savvy… ahhh hahahaha. Has this position switched entirely or are the cards just for the ultra rich at this point? Jeeze louise…

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Aaron Taylor January 4, 2023 - 4:14 am

Hey Ben what's your favorite restaurant in DC I need some suggestions for an upcoming trip.

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Aaron Taylor January 4, 2023 - 4:22 am

Anyone else having an issue with max rewards not syncing their chase accounts?

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Tantra dos Santos January 4, 2023 - 4:48 am

Everyone gives to charity. You are wrong.

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Sunshinen Coastlines January 4, 2023 - 5:02 am

I love your channel. You’re my fav. 😊

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james cardinal January 4, 2023 - 10:36 am

did you just get 15 years younger ?

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Sal January 4, 2023 - 12:42 pm

I stumbled across across your account while trying to get into credit cards and learn more about them and thought you looked super familiar, as a huge Star Wars nerd I love the content, keep it up!

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💰 Make $750 Per Day January 4, 2023 - 1:48 pm

"People often say that motivation doesn't last. Well, neither does bathing–that's why we recommend it daily." –Zig Ziglar

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NubiaRising January 4, 2023 - 4:38 pm

The Chase CSR is dying a slow death, and ironically by its own children (CFF, CFU, etc.). Though it is a "good" card, there is only so much devaluation it can take. I'm having a hard time continuing to justify it's fee, with it's children and cousins (Bus cards) having the same or better multipliers. I will downgrade it this Spring unless Chase does something radical to improve it😎

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Dom’s Tech & Travel January 4, 2023 - 4:49 pm

Hey Ben, do you know of an app which could notify you of your daily spend?? We just got back from vacay and we way overspent!! Would be very helpful

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Work with🫰 elemaite101 🫰on telegram January 5, 2023 - 12:28 am

Dm legitimate plug 🔌

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Melissa Arana January 5, 2023 - 12:32 am

I'm not interested in cash back but how does one activate that feature on the preferred? I've never seen it anywhere on the website. Now I'm curious. Thank you!

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Jeremy Moore January 5, 2023 - 1:05 am

Ben,

Been a long time Subscriber Appreciate the video brother. This does Devalue the CSR and CSP by a lot. The PYB feature for the AF on CSR is only till the end of March I believe than that goes to 1.25 to? So anyone renewing after Mar is screwed pretty much. hmm… Appreciate the video buddy.

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BertiferousRex January 5, 2023 - 3:15 pm

They were also worth 1.1 cents/point on the Freedom cards during the pandemic.

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