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Timeline
0:00 Citi Premier 80k Ending Soon
0:51 Chase Pay Yourself Back
2:15 Changes to Pay Yourself Back
3:35 How Changes Impact You
6:03 Why Is Chase Doing This?
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46 comments
💳 Sebby's Card Picks: https://www.asksebby.com/credit-cards
CSP vs CSR: https://www.asksebby.com/credit-card-reviews/csp-vs-csr
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✈🛫🛬Still team Chase. Hard to beat all the travel insurances in one place.
Not me having redeemed like ~100k points in the past three years with PYB 😬
Team travel👍✈️
I am def leaving if there is an annual increase. I can take my business somewhere else. Thanks for the update.
I use the chase point for Hyatt anyway, so it shouldn't impact much for me
Frustrating change made with no notice. I feel like I’m getting pretty minimal value now from the CSR, and likely will explore leaving chase entirely.
✈️ It seems like there’s a lot more reductions in benefits compared to additional benefits, but I think things are going to get worse with this economy. Thanks for this information.
I kept the CSR for the PYB on Airbnb. This really hits me personally hard and will definitely be canceling it on my renew date if no retention offer is gave.
🛩I just got under 5/24🙁
🛩Hey Sebby, can you confirm? I heard if you get hit with multiple hard pulls for the same “thing” (credit card applications) within a short period of time, it only counts as one inquiry on your credit report. True?
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✈ 1.5 travel redemption is still fantastic. use it all the time for flights or off brand hotel stays. csr all the way.
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Thinking of PCing to Freedom Flex and move on to the Platinum. Any tips on trying to get status on Delta?(besides just flying)
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Venture x is where it’s at right now
✈️ Never used PYB but still don’t like seeing a card benefit degraded. I use CSP as a conduit for CFF points transferred to travel partners and the travel insurance benefits. Otherwise, doesn’t get a lot of use.
Plane
✈️ this temporary benefit ran its course to add value during the pandemic. This is a reminder that the Lyft benefits are also temporary. Now Chase needs to take it seriously and revamp their cards. An actual supermarket category is a start.
✈I used the Pay Yourself Back – Restaurant so much! I am sad about this. I have so much points and the easiest way/max value was for the restaurant usages. It was essentially 33% off your restaurant bill with PYB. I travel to China for business often and, from my research, there are no great transfer partners strategy for UR and MR points. Anyone with suggestions?
PYB was introduced at the start of the shut downs. I saw it as a way to still make use of my CSP points since we had cancelled our travel plans.
✈️ I've had the CSR for years, but their changes to the LHR (benefits) acne reduced value of Priority Pass have me lean on my Amex Platinum more when I'm going to travel… u may downgrade to CSP.
✈️ great video, thanks! You mentioned before that UATB might be clawed back, any update on that?
I’m not a fan of the new travel portal. It seems that they have fewer hotel options now. On a good note we got 3 nights at a Hyatt in December that was listed at over $500 a night for 9000 points a night.
✈️ Recently got Citi Premier but also have Sapphire Preferred & AMEX Gold. Don’t travel much. Not sure if it’s worth having all these plus 17 more cards with verity of cash back but mostly no annual fee.
I got CSR about 3 months back when they had the elevated SUB offer. Thanks to the increased point value, SUB and $300 credit, my fiancée and I only paid $440 out of pocket instead of $2000 for our tickets to Japan. Huge win for me. I think so long as they don't touch any of the travel perks, I could see myself sticking around. I used PYB occasionally though so it hurts still. If they start gutting anything else, I'll most likely downgrade to CSP. ✈
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I completely agree with the over use of Pay Yourself Back. I had almost 1 million points racked up over years that I never dipped into. Then opened a business and got an insane double tiered in branch intro bonus the Business unlimited. The whole build out and expenses were spent on chase cards. I lost track of my math months ago, but have gotten around 10-12k of bonus benefit out of that feature. Probably gained a few pounds from ordering more, knowing I was getting 4.5 points and saving 1/3 using points to cover it.
When does this take effect?
✈️ I want my first travel card but I’m torn, I’m still a beginner in the game so the sapphire preferred looks tempting but I would like to experienced travel lounges. Lol
Just got approved for the business cash, did not need a EIN number just used my social.
Them points are going to come in handy for Hawaii this summer!
✈️🛫🛬 So does this mean the chase Aeroplan is king of pyb?
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✈ Enjoy the informative videos. Recently got CSP with 80k point bonus and am now on the just waiting my time before I move up to the CSR. Keep the updates coming but in the meantime great job.
✈️ Another thought provoking video. I’ve been CSR for travel. Added my mom too. If travel is cut we leave 🎈
✈️ I think your #4 is saying those doing Manufacturing spending has messed it up for everybody
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can u make a video for people who don’t travel much
✈️ sad, I’ve been waiting for the 48 month sign on bonus to come back around but it’s starting to look bleak. I guess that’s the same as a while with money (loans for homes, cars etc) thank you for the heads up
If I was team cash back I wouldn’t keep the csp anyway
Making money, starting a business and self development can only be achieved if you consistantly work on it, it is my personal experience… if you are reading this keep in mind that you cannot become successful in a week. BTW: enjoyed watching your video, thanks. a fellow creator////
Donate so they can keep the money
I hate how one blog said the Citi Premier is ending soon based off history and then every influencer copied that warning the same exact day! Which influencers actually own the card???? ✈️
I was heavily using Pay Yourself Back and found it very valuable. Disappointed to see it go, and I probably will go as well.