5 Comments

I have and love this card for legit personal expenses, but they are aggressive at flagging and rejecting most forms of manufactured spending including MS that is routinely accepted by JPM/V and others.

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The scuttlebutt has been that the Sapphire Reserve has lost money for JPM every year it's been around: that's why the past few years have nerfed benefit after benefit (removing Priority Pass restaurants, where every swipe cost JPM around $20, being the latest). Similar is true for the Citi card (no longer offered to new applicants) that tried to come at the Amex Platinum.

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No way the 3% lasts (check out the Uber card which was the GOAT and then got nerfed into the worst card imaginable), and the cash out options are kinda bad unless you have a Hood brokerage

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Gold Card: 100K issued, plan in new year to increase this rollout by several multiples (what, maybe 500 K?). That leaves most people still out. I had Gold status, signed up for waitlist as soon as possible, and am still waiting. Sounds like a great card but only for the 5% who have the card like Chris.

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The law of large numbers is a probability theorem which has nothing to do with "making each incremental dollar worth less in terms of growth" which is in fact the law of diminishing returns.

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