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Answers (2)

Chase Points v. 3rd Party Fee

Chase Points v. 3rd Party Fee

  1. Traveler981s

    Looking to pay my mortgage with my Chase Sapphire Reserve. Mortgage is 4600. Fee is 2.5%. Is the points earned from Chase worth the 2.5% fee?

  2. David W

    You’re better off paying for that with the Freedom Unlimited (Or Ink Business Unlimited), which earns 1.5x. Makes the 2.5% fee more reasonable, especially since you can combine points from either of these cards to the premium version of UR points.

    Another option is the Amex Blue Business card – 2x on the first $50k each year. That’s a solid earning.

    The 2.5% is charged by the company processing your payment, not the credit card issuer, so that usually earns points as well, meaning you’re payment is actually $4715. With a Chase Unlimited card, that’s 7072 points. Lucky’s valuation of UR is 1.7 cents a point, which means it’s worth $120. If you redeem for travel on Chase’s website at 1.5 cents a point, that’s $106.

    Pretty good if you ask me.

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