So, I’m still on the fence about which card to apply for. Please help me decide. DH and I each have 1 Chase Ink (I have regular and he has the 1.5%). We have good credit. My score is 814 last time I checked. He has the Sapphire Preferred. I haven’t applied for any other Chase cards in over 2 years (other than the Chase Ink). The cards I am considering:
—Sapphire Preferred (with DH referral)
—Chase Ink 1.5
—Chase Ink Preferred
—Chase Sapphire Reserve
I’m leaning towards the Sapphire Preferred or Chase Ink 1.5 because I’m ultra conservative, but I’m tempted to go with either the Ink Preferred (for the cell Phone protection & 3% bonus perks), or the Sapphire Reserve for the better trip delay benefit. We recently experienced a trip delay and so I now see the benefits of the cards and not just the bonus features.
The cons for the Ink Preferred is the annual fee that isn’t waived and the higher minimum spend. I’m fairly certain we could meet the $5k, but would prefer one I can meet sooner. The cons for the Reserve are the annual fee. I also need convincing the features versus the $450 fee make sense for my travel needs, which are primarily with family (DH and 4 kids). I do like the 6 hour trip delay instead of 12 with Preferred, but not sure that’s enough of a reason for the higher fee?
The Sapphire Preferred, overall makes the most sense, but the Chase Ink 1.5 would be pretty easy to get and meet the minimum spend, and I could still get the Preferred or Reserve later. But...I know I have to wait 24 months before I can get another Sapphire product, so I can see why timing and order of applications for each Chase card can be crucial.
Ugh! I think I’m driving myself crazy! WWYD?