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Mark you’re speaking a lot of truth. Chase has its pros and cons. It’s nice that someone points out that it’s not all roses over there.

With grocery and gas being such high spend categories for a lot of people, not having them as dedicated categories really does hurt Chase cards

The lack of the grocery and gas categories on Chase's cards is really tough. I know it's possible to get those categories covered with the 5x promos on the Freedom card SUBs from time to time, but a permanent in-store grocery or gas category getting added to even just the Sapphire cards would be hue. Great video Mark!

A system of cards interlinked, within cards interlinked, within cards interlinked within one bank. I've retired from playing the game.

5/24 is the stupidest rule on planet earth. You can have 800+ credit, never miss payments, stay profitable and yet Chase will still deny you just because of this arbitrary rule and other card companies want your business. There is no product in their portfolio that is valuable enough to stop people from looking at alternatives.

Well said, Mark! The fact that Chase still doesn’t have a “core” card that earns at least 3X on groceries and gas permanently is baffling to me. I have the CSP, and the online grocery category is worthless for me and is a bummer that Chase just doesn’t change it to in-person groceries. Also, one other flaw I see is in the dining category for the CSR… 3X for a $550 annual fee?!?! I know it comes with the credits to offset it, but it should be 4X at LEAST! That’s my $0.02!

I disagree on Southwest. It's not difficult to get outsized value with Southwest. The Companion Pass couldn't be easier to get and when you do, you immediately get 3 cents per point.

The FU should be a 2% catch all card, the FF is fine staying a rotating category card, and then they need to make a 3rd no annual fee freedom card that is a gas/grocery/dining card

Great video Mark! Yes, the Hyatt program is definitely limited. IHG and Marriott both have bigger footprints than Hyatt. Chase definitely could improve their cards in the gas and grocery categories. I really wish that the Chase Freedom Flex and the Chase Freedom Unlimited had different 3% back categories. Chase could probably add 3% back on gas and groceries to one of the cards and remove the 3% back on dining and drug stores from that card. I also find it a little weird that both Freedom cards and the Sapphire Preferred all have 3x back on dining. The biggest problem with Chase in my opinion however, is the 5/24 rule. I think they should adopt a better application rule more like Bank of America’s 3/12 or 7/12 rule. I have 3 Chase cards now and I’m over 5/24. I don’t like having to have to wait for potentially years before I can apply for another Chase card. However, I am not going to put applications to other card issuers on hold just so I can get more Chase cards.

I love my Chase cards but your analysis is spot on. That’s why I have BCP and others to fill in the gaps. I bet you could do similar videos on each of the other 4 issuers on top 5 things killing their cards. I find they all have pros/cons and no one setup does it all.

Great thing about Chase is how easy it is to earn UR points and pool them with a P2.

This is why, as with so many financial matters, diversity is key. This quarter, I have been using either my Discover It Card or my Chase Freedom Flex for groceries. For the rest of the year, I will most likely be using my AmEx Blue Cash Everyday. Groceries are my largest category of spending, and I have to believe there are other people out there with similar spending habits. Chase would certainly lock up a lot of transactions if they had a dedicated 3% grocery category on one of their core cards. Awesome video. Hopefully Chase will take some of this constructive criticism into consideration.

I love that we credit card content creators are covering these drawbacks about Chase. The good news is, Chase can easily address these drawbacks since some are as simple as adding a dedicated gas and grocery category to one of their UR earning cards. It’s time for an overhaul of these credit cards because Chase is beginning to become lost in the dust.

So glad to see you added chapter time stamps...😂

However good a card is, it's always important to talk about pro as well as cons. Very well put up video with all the data points.

Exactly👋🏾 There's 1 more thing however that bothers me to no end. Too many overlapping multiplier categories between their most premium and "no AF" cards - nope😎

I agree with everything you said in this video. Chase is lacking in many ways... I've also never understood why people hate on Capital One transfer partners. They have lots of overlap with Chase and additionally Turkish, Asia miles, Qantas, Tap. (Turkish is a GREAT one imho) but chase points are also pretty easy to get. And, though Hyatt has a tiny footprint, it's a great chain to get value from your Chase points. I love using chase to top off, Aeroplan, Avios or Flying Blue points. But its always smart to remember if you brant the most value... you have to branch out!

Chase likes to keep the Preferred as an entry-level travel card. That means they would need to introduce a dedicated gas and supermarket card. Possibly at $200 and with max 4X capped multipliers on those categories. No travel protections and, much like FU and Flex, possible foreign transaction fees. The card will, of course, have some Doordash, Lyft, Instacart, etc. rebate. This sounds like Chase's style. None of their other cards would be enhanced because they are entry-level for different target customers.

5/24 blows. IMO - CHASE doesn't really offer any CCs that I feel I have to have - and as you pointed out - other issuers offer better alternatives. No need to garden and wait for a CHASE CC. Thanks for the info + video!!!

It’s true that Chase doesn’t offer the best in every category. It’s also true that no one else does either. Although we’d all like Chase to offer more, from a business perspective, why would they? They already have the most coveted card setup available. If anyone ever legitimately threatens Chase’s #1 spot in the world of credit cards, then maybe they will consider adding more benefits.

Beautiful “outside-the-box” video Mark. Thanks for laying out facts instead of simply amplifying hypes.

All of this is why I have been reticent about pursuing Chase. One can hope that a revamp could be in order, or the Rise is the card we need (it likely isn’t going to be the card we get, hello Edge replacement). But Hyatt is alluring and SUBs are the quickest way to gain lots of points. I’m also plotting on a dedicated WoH card anyway, and going Bilt as soon as I’m renting.

Going at Chase hard core. Great video pointing out the limitations of the core cards.

My biggest complaint is the low values for transferring to IHG and Marriott. They should give us 3 points per UR point.

love these videos. Thanks for all the detailed info. Keep it up. I was leaning toward chase cards then I watched this video. Now I'm leaning toward AMEX more.

Hey Mark, I left a comment on this video previously today about 6 hours ago but I don't think it posted for some reason. Basically I was writing to say that the CFU will work for me in the non bonus category spend even though most of my spend is in grocery, gas and restaurants unless it's covered in the 5% rotating then I'll use CFF . I'm cool with that rather than having an Amex Gold or Citi Premier just to earn that 3x or 4x vs 1.5x. I'd rather stick with what Chase has to offer and I'm loyal to them. I'm also glad that the Discover card will be having 5x on Restaurants for the Q2 rather than overlapping w/ groceries or any category like they have done in previous years with the CFF and this year of course. So the Discover card will be getting my restaurant purchases rather than the Chase Trifecta. Great video btw!

Chase offers have been pretty weak lately. Gas station and office Depot and the choice of dining has been weak as well.

I don't see why gas has to be a problem. You can always get a separate "sock drawer" card for gas and use it with gas station apps (Shell, Exxon). I use Amex Business Gold for that - just put the card info into the app and use the app to unlock the pump. That will yield you 4x Amex points per USD. Since Amex Business Gold allows 2 categories - the second one is electronics (Apple, Newegg, Dell) for me.

The lack of permanent gas and grocery categories are a big one to me.

Mark that was a great break down, from your break down Chase doesn't compare to the other banks. I will review your content again and see if Chase is for me. Thanks for sharing and keep that content coming

Awesome video! Thanks for the introduction to their partner cards which offer some interesting options!

Unpopular opinion but in my setup the Citi Premier > CSP due to the better earning categories. Best solution to tell the wife to "just charge everything on this one card"

I even love transferring to BA and using them on short AA flights. I easily get 3 cents per point.

Given that Chase is a unique transfer partner for United Airlines and Hyatt, easy to get value for those transfer partners without a lot of work, Chase points are more valuable to me than other credit card points.

Finally someone calling out Chase. This is why I don't have any Chase cards. I chose the savor one over the freedom unlimited. I've been jealous of Southwest as a transfer partner, but after you pointing out that the points are fixed rate, I feel like I may as well get the altitude reserve, the 1.5% redemption boost would be like Southwest points

😮wow, this content smacked me right in the face as a Chase Fan❤. Hopefully overtime chase will improve their program etc. Great content no matter how bad this video hurts 💔

Chase is for Hyatt, and nothing else. If they lose this partnership or if Hyatt continues to get more devalued, then Chase will be nothing more than cash back or just for its travel portal (which I avoid)

Hyatt program is the only reason that I stay with Chase.

I think that Citi has the best categories selection, as well as 2x on everything card.

Thank you for pointing this out. I don’t have any Chase cards and I don’t feel like I’m missing a thing.

I like Chase for SUB, Hyatt, IHG and global dining 3x for CSP... else Capital One Savor One, Bilt, Citi Custom Cash are for everyday spend

Since I travel between US and Canada a lot, I find Chase's United partner the most valuable. Me and my family often fly between the coasts in US and Canada - New York to Vancouver. I find that UA miles are often better to book Air Canada business class transcons than Air Canada miles, and I keep Chase Sapphire Reserve for that alone. Plus, me and my Canadian family have supplementary cards for lounge access and travel insurance. Plus - an important point that this video misses - Chase Travel multipliers and Lyft. CSR gets you 10x points per $ on Lyft and Chase Travel Hotels, which can truly boost your point earns. Then, there are DoorDash and Instacart memberships and credits. These things make CSR for me a keeper card.

Online grocery works for me..I like to pickup grocery.

Great video, problem I see is that unless chase sees it affect their bottom line, they have no pressure to change.

Southwest and how easy it is to get their companion pass is the best domestic and close international (Mexico, Dominican, Jamaica, etc…) airline there is. The points and deals for flights are awesome. Can fly from almost any semi sized city in the nation and quite a few small ones. Can always use points. Don’t need reward availability. They obviously have some things to fix logistically during holiday season but it is my #1 domestic and close international airline.

Mark. This is America, nobody cares what's objectively true, just what they already believe. Awesome video so much info.

Excellent job comparing these cards!

This actually made me want to get a chase card, because of United and Marriott partners

I cannot imagine applying for Capital one, which, from what I have read,, has hard-to-use airline credits, which are not even posting on time, and a bad travel portal and equally bad customer service, etc. or American express, which is an overrated coupon book company; and Citi's worth still remains to be seen with the impeding release of the strata cards. I think Chase points are still more worth than any of them right now.

Dude I love the transfer partner chart. Really puts it into perspective.

Best credit card video I've seen... great job!

Well done Mark. I appreciate how you've laid out very specific items to consider. Maybe the title of a future video could be: Best Double Triple or Twin Trifecta. In other words, maybe one should be pairing up 2 Trifectas ( Chase and another issuer) vs looking for the best Trifecta?

Hence the reason I have Amex Gold and Cash Preferred. It's so crazy how Chase don't have any dedicated grocery and gas card in personal side. Just dumb! Thanks for the video Mark!!

this video is more like, "how chase could improve their credit card offerings" even with some of the short comings, some I don't think is a big deal at all, they are still some of the best cards on the market, like you concluded in your video.

Great video. I have the Chase Freedom Flex that I only use during the grocery quartet category. Otherwise I find the card lacking.

Great video! Phenomenal topic and breakdown! I always love your attention to detail! Thank you for sharing this information!

Chase does have three US airlines on it's partner list. The others have two or none.

Cap One Venture/X and Savor/One Duo is better than Chase trifecta

Great video on the topic. I have zero chase cards and probably will never get it. For cash back I stick with credit unions and for points/miles staying with capital one ecosystem and for both is US Bank.

Great video sir. Food for thought. (Get it chase😂) Seriously I have 4 chase cards. However I believe 2 Amex cards The Gold & Blue Cash Preferred are a simpler setup that covers all bases.

That intro!!! Mark is on fire

It's crazy to think that the DISNEY CARD gets a gas and grocery multiplier! DIS-NEY... 😭💀

Chase definitely have some good cards, but they are lacking in some key categories as you highlighted in this video.

I’m so glad you made this

Chase is over-hyped.

Can’t decide between Chase trifecta, Amex (gold + plat), or Cap one Venture + Savorone.. leaning towards Chase bc I’m 0/24 and they have a 90k in branch offer for the CSP.

Also Chase doesn't have 2x on everything card, like Citi, Cap1 and Amex.

Jamie Dimon should hire you immediately 😊

If (and that’s a BIG IF), I was considering a return to the game….one last hurrah before i truly settle into old age….MAYBE i MIGHT consider a chase card. But I’m still out of the game.

Airindia airlines comes under which transfer partner?

Thank you for letting us know this awesome.

The freedom flex and freedom unlimted should merge into one card

The online grocery option and Southwest partnership actually work out great for me. I order pickup from the HEB a few blocks away and fly Southwest quite frequently. But if they added gas to the mix, it would be a runaway game. It's those little gaps that irritate me and make me want to look elsewhere. You're a huge banking institution, Chase! You can do better!

I wish Chase would get Hilton and Delta as transfer partners.

Did you do that introduction in one shot? Still appreciate your characteristic slides in the video with great narration.

Between SUB and other benefits from other cards, I’ll never be under my 5/24 (anytime soon anyway). I don’t see any benefit to waiting and missing out on them for chase cards. I have 23 cards and my husband has 17. Both have more plans to acquire some later this year after getting new ones early this year. Zero are chase.

Have you heard that Chase may have a new card coming? Maybe an upgraded Unlimited?

Lacking gas and grocery

I love your videos and your dedication to explain and show good visuals! Question: going to WAS-TYO next year, what’s your recommendation for a first class flight redemption? I have 100K Points with Capital One, Amex, and will get 70K with Alaska.

Mark I would love to see you do a review on the US Bank Altitude Reserve

Apparently quantity equals quality. Only made it five minutes into this video

With these downfalls would you still recommend getting the Chase cards first after getting into points and miles? I got the CSR as my first travel card for the easy travel credit as well as the SW transfer partner. Thank you!

Groceries and gas are what I’m missing. What’s the go to for those?

Chase has all those rules, but you can still churn inks.

Isn't this a good thing for customers? I can go for chase cards knowing I can also go for other issuers that have the same partners and pool my points through their bonuses as well?

Love your channel 🔥 Off topic question, is getting approved for a high credit card limit a good thing? I just got approved for a credit card with a $30k credit limit. Would such a high credit limit, limit me from getting approved for subsequent credit cards? Or am I just overthinking it. Thanks.

New to all of this, but I’d you shop at Whole Foods, can’t you use the prime card and get 5% back that way? Is the only issue that it isn’t transferable to points?

I travel maybe once or twice a year, eat out a lot and need a dedicated card for gas. I would love a card set up that would meet those needs but also allow me to earn points to transfer for flights and hotels ? Any suggestions ? Chase does not seem as great after your break down. My credit is pretty good and I don’t mind annual fees as long as the perks are with it. I don’t really have a dedicated credit card set up at the moment. Thanks.

Point devaluation due to people willing to pay outrages prices is the biggest problem

Don’t go Chase-ing Waterfalls! 😂 Not sure why all the hype with this bank! I have no need for any of there products! Amex all day

Wait so mark do you have both sapphire cards active or you just carry around the other for videos?

How do you get your hair cut/styled daily? I like it and would like some insight!

What are your thoughts on Chase trifecta vs. C1 Bifecta? I want a C1, but so many sources say to prioritize Chase.

Do you use the Amex Blue Cash for groceries 6x back?

problem 6 hard pull for a CLI what a joke

Think I just lost my urge for credit 💳 cards from chase 😢

Chase is just different and they only like rich people

After watching this, I don't know why I would get the Chase credit cards.

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