Credit Card Wishlist for Chase & Amex | 12 Things I’d Like to See Changed or Improved!

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Video Transcript:

Below is the Video Transcript:

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Ive had a few celebrations where I forgot.
my Ink Business Cash card in your home and wished to make an office supply shop purchase. If it was offered on Apple Pay, I could.
have quickly utilized the card. Rather, I lost out on the perk. 3. A premium “Ink Business Reserve” card:.
I did an Aprils Fools post on a brand-new Ink Business Reserve card with all sorts of insane.
advantages, and I know I was able to trick a couple of folks.

So, lets start with Chase. 1. Benefit classification for groceries and fuel: This.
is one location that I wish Chase would attend to in their cards. Chase doesnt have any Ultimate Rewards.
earning cards that earn a reward for groceries other than the Chase Freedom, which has a.
5% turning reward categories every quarter. Given that this can be a big expenditure category.
for a great deal of folks, I think Chase is missing out on a big opportunity. For example, I most likely would not have used.
for the American Express Gold Card last year if Chase had a comparable card for grocery.
spending, and I think a great deal of you remain in the same boat. Im still on the fence on whether.
Ill keep my Gold card.

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I just believe that Chase might truly.
increase the value proposal by making some of these modifications. To be honest, the Chase Sapphire Reserve does.
feel a bit outdated nowadays, specifically next to the American Express Platinum and Citi.
Eminence which appear to get their advantages refreshed more frequently. I honestly believe that Chase could truly improve.
their top premium cards by including some extra valuable benefits.

I think if they increased the rate to 1.25.
cents per point, they would see a lot more use of their portal. Likewise, American Express might more valuable.
redemption options. For the majority of individuals, youre limited to point.
transfers to airline companies in order to maximize your per point worth. I d love to see American Express use more.
lucrative hotel transfers and additional redemption options like experiences and tours. Speaking from my individual experience, I actually.
struggle with finding methods to redeem Membership Rewards points for most trips. Up until now, its primarily long-distance service.
and first class flights where I have the ability to get decent value from the points. 3. Travel reward classification on their Gold and Platinum.
card: American Express is the initial travel credit card business. Ironically, they do not offer a basic.
bonus offer classification for travel on their two biggest cards. The Platinum card does make a perk for purchased.
flights, however when you think about how much certifies as a travel cost with Chase, it feels like.
a lost chance. And since American Express is trying to communicate.
a brand picture of luxury and travel, I think they should cater to consumers who are costs.
money on travel.

Right now, Im favoring canceling.
it and renewing my old grocery and fuel card, the American Express Blue Cash Preferred. Im also mentioning fuel because Chase does not.
have a personal Ultimate Rewards earning card that has a fuel perk, unless you count the.
Libertys turning benefit category. They do have 2X bonus offer on the Ink Business.
Cash card, but I understand a lot of folks might not certify or have an interest in getting a business.
charge card. 2. Apple Pay for Ink Business charge card: This.
is one that completely baffles me. I dont know why Chase seems reluctant to.
make it possible for Apple Pay on their Ink Business cards. I actually published this question on Quora a.
few months ago to see if anybody had a response, and somebody pointed out that they believed it.
Since service accounts tend to be multi-user, may be. American Express appears prepared to do.
it, so I cant imagine why could not be done for Chase too.

Many of the offers are for a percentage back. The majority of American Express uses tend.
to a flat-rate money back deal, which I find to be a lot more enticing. I would state focus if I might recommend Chase.
on these types of offers as I believe they are a lot more engaging. 5. Extra lounge alternatives: I understand that the.
Top priority Pass lounges that are offered through the Sapphire Reserve are a bit hit or miss,.
depending upon the location. With all the reports of lounges getting overcrowded,.
it would be important to have more alternatives.

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A common travel circumstance is consuming at.
a dining establishment that might be part of a hotel or resort. In those cases, youre frequently not sure how.
the charge will encode on the card. It may show as eating in restaurants or hotel. Having a travel perk category in addition to.
eating in restaurants gets rid of that hassle. 4. Less restrictive credits and bonus classifications:.
This is probably my biggest animal peeve with American Express. While Chase makes it really easy to redeem the.
travel credit on the Sapphire Reserve, American Express seems to make it a lot harder.
to redeem their credits. Thats not to say that I do not utilize them.
or worth them, however I just want they werent so hard to utilize. The dining credit cant be used simultaneously.
and the airline company incidental credits can just be utilized for specific charges. While individuals will use workarounds to redeem.
them, like purchasing airline company gift cards for the airline incidental credit, I think it would.
be a welcome change to have more alternatives when redeeming the credit.

Since Chase did report a preliminary loss.
due to the Sapphire Reserve, Im wondering if they are hesitant to release a card with.
Numerous benefits. I guess well have to see! 4. More flat-rate cash back provides: Ive mentioned.
in a few videos how I much I love the manner in which American Express does their deals. Weve utilized them often times, and Ive been.
surprised by just how much weve saved money on purchases by making money back or points. Integrate it with a shopping website, and youre.
frequently able to double dip in rewards. While I appreciate that Chase has actually gone into.
the deals game, Im not insane about the way they structure them.

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My objective is to dig in a bit deeper on some.
of the issues that I discuss because previous video. Prior to we leap in, if youre brand-new here, welcome.
to our channel. Trip Astute is a travel channel that is focused.
on sharing ways to make travel simpler, cost effective, and more satisfying. Traveling can be stressful and expensive,.
Were looking for ways to help you maximize your experience through travel tips, points.
and miles, and ingenious equipment. If that sounds intriguing to you, please.
think about subscribing. For the sake of simpleness, Ill cover six.
enhancements that I wish to see from Chase, and then another 6 that I desire to see from.
American Express.

But I do believe that Chase is missing a chance.
to record a particular section … especially business travelers and road warriors. I would enjoy to see a premium organisation card.
from Chase that could compete versus the American Express Business Platinum card. Maybe with more lounge options, CLEAR program.
reimbursement, wifi, and other business-related advantages. Im hoping one is in the works.

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So what about American Express? Yeah, I have a whole list for things that.
I would like to see on their cards too. No charges to transfer Membership Rewards points:.
American Express charges a portion when transferring indicate domestic providers. I seem like this avoids a lot of people.
from even attempting it. Sure, you can determine just how much its worth,.
and sometimes, its most likely worth the expense. I simply dont like the concept.
around it. Its like being charged a benefit fee.
when you understand its something straightforward and relatively easy (like buying an event.
ticket from Ticketmaster), or even worse a resort fee at a hotel. It just looks like an extreme charge and extra.
obstacle. 2. More high-value redemption choices: One of.
the huge selling indicate me about Chase is the fact that you can use the travel website.
to book independent hotels, tours, and experiences using your Chase points at either 1.25 or.
1.5 cents, depending upon the Sapphire or Ink card that you have. The American Express travel portal deals.
hotel reservations at around 0.7 cents per point, which is really low.

When I think about the versatile points programs
from Chase and American Express, Im typically excited and optimistic about it. I know partnerships change all the time and
point programs get cheapened. Nevertheless, these two programs have actually shown to
be very valuable for a great deal of travelers in the points and miles pastime. Though, theres always room to improve. Hey everybody, hows it going? Its Ernest from Trip Astute. In this video, I wish to review some wishlist
items that I would love to see carried out by both Chases Ultimate Rewards and American
Express Membership Rewards program. Im hoping todays video doesnt come
throughout as a tirade.

Also, I do not like that the Gold card benefit categories.
just use to US dining establishments and grocery shops. Once again, for a company that has such a strong.
heritage in travel rewards, it appears like the policy is not aligned with the brand name image. 5. No yearly cost charge card alternative: If you desire.
to downgrade an American Express credit card, youre limited in your options. In truth, many people are stuck downgrading.
to the Green card, which has a yearly cost, or canceling the card, which can adversely.
affect your credit. I believe American Express needs to have a no-annual-fee.
charge card alternative so you can downgrade quickly and not lose your points or take a hit on.
your credit report. Maybe a Bronze card? I understand there are rumors that the Green card.
is going to be revamped quickly, so Im hoping well see a charge card from them that does not.
have a yearly charge. 6. Ability to earn welcome deals again: While.
Chase still has the most restrictive guidelines, American Express does have one rule that most.
points and miles collectors hate.

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Apple Pay for Ink Business credit cards: This.
A premium “Ink Business Reserve” card:.
I would like to see on their cards too. No annual cost charge card option: If you want.
I know there are rumors that the Green card.

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What are your wishlist products for Chase and.
American Express? Am I missing anything in my list. Let me know if the comment section below. If youre interested in requesting a brand-new.
credit card, we would love it if you used our link in the video description or on our.
website. Its a simple method to support our channel,.
If youve discovered our material to be useful and valuable, specifically. If you require any help with figuring out.
what your next card must be, sign-up for our totally free card consultation service. You generally submit a questionnaire and.
schedule a 15-minute video or audio call with me to review your recommendation.

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Its their one welcome deal per lifetime.
of a card rule. This rule means that you can only make the.
welcome offer when for any card. If you were to get the American, that means that.
Expres Gold card and make the welcome offer, you would no longer be able to earn it again.
if you canceled the card and reapplied in the future. Now there are some exceptions, like when a.
card considerably rebrands or alters. However, for the many part, you can just earn.
a welcome deal once for a particular American Express card.

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And undoubtedly, Chase cant take on.
American Express Centurion lounges, which is an engaging reason to get the American.
If you often take a trip through airports that have them, Express Platinum card. Nevertheless, Chase does have airline company relationships,.
and I d like to see them incorporate lounges from United, Virgin Atlantic, British Airways,.
and Air France. Or even including other private lounge networks.
to their list of lounges would be terrific. 6. Less restrictive rules: It does seem like.
Chase has the most limiting informal application guidelines of all the issuers. Between 5/24, 2/30, and the four-year perk.
restriction for Sapphire cards, its truly complicated and intimidating for those of.
you who are brand-new to credit card rewards. I know that financing and underwriting is a.
made complex business and they require to handle their threat profile, however I want they would not.
make it so difficult to get their cards Ok, so possibly I am being too important.

Instead, I just wished to share some ideas.
on methods that I think both Chase and American Express can enhance their respective versatile.
points programs. If you wish to see how I rate the 2 programs,.
take a look at our previous video on the topic. In truth, I would consider this video as nearly.
a sequel or retrospective video on both programs, which hopefully helps if youre.
attempting to find out which one may best serve your requirements.

License: Creative Commons