0:25 Chase Sapphire Preferred 100,000 Offer Direct Link $5,000 min spend in 3 months $95 annual fee (not waived first year) This is a higher than usual offer 05:14 Chase Referrals chase.com/referafriend 10,000 points for each approval (capped at 100,000 per year) 06:30 Sapphire Churning Restrictions Eligible for welcome bonus if it has been >48 months since you last got a Sapphire welcome bonus (Preferred or Reserve) 5/24 still applies: 5 credit card approvals in the past 24 months (from any bank) Can’t be approved for a Sapphire Preferred if you currently have a Sapphire card (recommend downgrading to Freedom and waiting a month before applying) 12:09 Two Player Mode If neither person has a Sapphire card, apply “head on” or through a referral from a friend Then refer P2 Being an authorized user on a card doesn’t prevent getting the welcome bonus This will leave you with > 210,000 Ultimate Rewards 13:50 Ultimate Rewards: Value and Utility Easy 1 cpp cashout Sapphire Preferred 1.25 of uplift for travel booked through Chase portal Sapphire Reserve 1.5 cpp of uplift for travel booked through Chase portal (and a $300 per cardmember year travel credit) Transfer partners: Hyatt, United, Southwest, and more Points can be co-mingled between household Inflation in the travel portal is very real.  Prices for hotels and other activities get tough to compare Flights sometimes are pricing at a premium due to issues with fare classes and airlines wanting direct booking.  It pays to do the math, because a poor redemption can tank the value of your earning, and points are not free.  Cancellation terms not the same with Travel portal bookings vs. booking with miles sometimes.  Pay Yourself Back: erase charges in specific categories at >1cpp. 23:31 CSP/CSR Earning Strategy Sign up Bonus aside, these two cards are relatively weak in earning.  This creates a bit of an irony–they’re great cards to hold, but better in union with other UR earning cards Freedoms for 5x categories, some chase Business cards also earn 5x Over time a stable of chase cards become important Pooling of points means that the earning of 5x points can then be moved to your sapphire and redeemed for travel at >1cpp 5x at 1.25 = 6.25 cpp, 5x at 1.5 = 7.5 cpp.  28:47 United/Southwest: Opportunity Cost For some people these cards are taking up slots and spend they want to use on Southwest or United Cards Might be best to get those cards first, holding them long term, then getting the CSP.  Changes to southwest might make you consider Southwest cards, but be rational, how many trips a year do you actually take?  The travel landscape changes fast, the flexibility of UR allow you to change with it. Southwest points do not.  31:38 Q2 2025 “Point Offer” Targeted: Seeing increased uplift for United/Delta/Qatar premium cabin flights, and some (mostly nicer) hotels Sapphire Preferred 1.5-1.75 cpp Sapphire Reserve 1.75-2.25 cpp Upgrading from Preferred to Reserve seemed to retain the same “amount” of targeted uplift (ie, was getting 1.5 cpp on Preferred, then got 1.75 cpp on upgraded Reserve) Might someone be targeted for this shortly after approval? Hard to say. More datapoints needed. 37:10 Live Application.