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Chase Sapphire Reserve Visa Infinite is finally here with an incredible 100K points bonus and officially rated #1 Best Credit Card by Dr. Credit Card

8/23/2016

4 Comments

 
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The wait is totally worth it!  It has been rumored for several months that Chase would introduce this high-end Sapphire in August with a 100K points signup bonus - and now everything has come true.  Please see our review for the new Sapphire Reserve Visa Infinite for details of this new favorite.  Here is the new card in a nutshell:
  • 100,000 points after spending $4,000 within 3 months of new account opening.
  • The annual fee is $450, but with the annual $300 travel credit that covers all expense in travel category (the industry first), it effectively becomes $150, a merely $55 more than Sapphire Preferred.
  • 3x points on travel and dining - if you spend more than $3,667 per year in the bonus categories, you will beat the $55 difference in annual fees, and choosing the Reserve over Preferred is a no-brainer.
  • Travel perks include Priority Pass Select for airport lounges, hotel privileges at Relais & Chateaux through Visa Infinite and at over 1,000 luxury hotels through Luxury Hotel & Resort Collection and Visa Signature Hotel Collection , Visa Infinite car rental privileges, Global Entry application credit, primary rental car collision coverage, and waived foreign transaction fees, etc.
  • It offers the highest level of consumer and travel protection among all Chase cards.

Sapphire Reserve is now ranked #1 in signup bonus, #3 in rewards, #9 in perks, and #3 in protection, among all credit cards.  By a large margin, it beats Citi Prestige to become the new #1 Best Credit Card by Dr. Credit Card!  Let's look at side-by-side comparison of the old (left) and new (right) lists of Top 10 Best Credit Cards by Dr. Credit Card:
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There are several changes: (1) Chase Sapphire Preferred uncrowns Citi Prestige, while Barclays Arrival Plus WEMC falls off the Top 10 list; (2) Citi ThankYou Premier falls from #2 to #6 due to its disappearing signup bonus; (3) there are some minor adjustments due to some changes in signup bonus and perks.

The last thing to know before applying Sapphire Reserve is that the so-called Chase 5/24 rule seems to be strictly enforced for online applications: if you have 5 or more new accounts opened and shown on your credit report in the past 24 months, including credit cards from all banks, possibly mortgages, loans, lines of credit, and even accounts as authorized users, you will get denied automatically by Chase.  There are reports which indicated (1) applying in Chase branch when you pre-qualifies for the card or (2) applying as a Chase Private Client may bypass the 5/24 rule.

© 2016 DrCreditCard.net  All rights reserved.
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J.P. Morgan Ritz-Carlton Card is now a Visa Infinite, with increased signup bonus, benefits, and annual fees

8/8/2016

9 Comments

 
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Over the weekend, the Ritz-Carlton website was updated to reflect an updated Ritz-Carlton Rewards Card.  See the Visa Infinite logo?  Yes, this is the first Visa Infinite product issued by Chase, and also among the major U.S. financial institutions.  Previously, the only known U.S. Visa Infinite product was City National Bank's Crystal Card.  Let's take a look at the changes from the Visa Signature version.

  • Increased Signup Bonus: Three free nights at any Tier 1-4 Ritz-Carlton hotel, after you spend $5,000 within 3 months of new account opening, and 10,000 points after you add an authorized user and make the first purchase within 3 months of new account opening.  Note that the current signup offer on the Visa Signature version is two free nights at Tier 1-4 Ritz-Carlton.  The free night certificates will expire after 12 months.  Keep in mind that you can't redeem these certificates at 13 top-tier (Tier 5) properties including The Ritz-Carlton in Bachelor Gulch, Naples, Miami South Beach, Miami Bal Harbour, Miami Key Biscayne, New York Central Park, Grand Cayman, St. Thomas, Tokyo, Kyoto, Hong Kong, Shanghai Pudong, and Dubai.  However, there are still some amazing properties that are Tier 1-4, such as the ones in Laguna Niguel (rates from $449 per night), Half Moon Bay (from $495), San Fransisco (from $399), Washington DC Georgetown (from $369), Aruba (from $359), and Vienna (from $360).  A Tier 4 Ritz-Carlton will cost 60,000 points per night, so this new offer may be considered as 190,000 points at most.  However, we still think there is obvious difference between this offer and the actual 190K points, as the latter will offer more flexibility and no expiration date as long as you keep your Ritz-Carlton Rewards account active every 24 months.  Proceed to Application Landing Page to find out more.
  • Increased Benefits: (1) Complimentary Priority Pass Select membership in lieu of Lounge Club that is offered by the Visa Signature version.  Priority Pass Select covers the same lounges in Lounge Club plus an additional 400+ lounges.  At this point, we are not sure about the number of guests that will receive free access and if an authorized user will receive a separate membership.  (2) Reimbursement for Global Entry ($100) or TSA PreCheck ($85) application every four years.  (3) Visa Infinite $100 companion discount per trip on domestic round-trip coach class tickets for your companion(s) on your reservation.  (4) There have been discussions on whether the Visa Infinite version will continue to receive three Ritz-Carlton Club Lounge upgrade certificates, as the new webpage and fine prints don't include this benefit.  However, as of now, new Visa Infinite card members still receive this benefit.
  • Increased Annual Fees: The annual fee is $450 on the Visa Infinite, $55 more than the Visa Signature's.  However, the existing Visa Signature card members will be grandfathered in for the $395 annual fee (we don't know for how long though) and upgraded to Visa Infinite to enjoy the extra benefits.
  • Worth it?  If you make use of the $300 annual airline credit (on incidentals), your effective annual fee becomes $150.  With that, you you receive Priority Pass Select membership, three Ritz-Carlton club-level upgrade certificates, Ritz-Carlton & Marriott Gold with $10K annual spending, Visa Infinite $100 companion ticket discount, and other great features such as primary rental card coverage, waived foreign transaction fees, embedded EMV chip, and Global Entry credit.  We think this card is one of the best cards for signup bonus, perks, and protection.
  • Bottom Line: If you are an existing Visa Signature card member, you will get the best of both worlds - you should be able to request the upgrade and take advantage of the enhanced benefits (Chase is also likely to upgrade all members in the future).  If you don't have a Ritz-Carlton Visa and would like to get one, you probably should go with the Visa Infinite version for the increased signup bonus alone, even though Chase still keeps the Visa Signature version here (only two free nights upon signup).

© 2016 DrCreditCard.net  All rights reserved.
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