How much value I got from my Chase Sapphire Reserve in the first year
Category | Spending | Rewards |
Automotive | $ 324.72 | $ 4.87 |
Bills & utilities | $ 7,272.35 | $ 109.09 |
Entertainment | $ 386.00 | $ 5.79 |
Food & drink | $ 4,025.55 | $ 181.15 |
Gas | $ 1,664.72 | $ 60.38 |
Groceries | $ 2,061.33 | $ 30.92 |
Health & wellness | $ 2,240.28 | $ 33.60 |
Home | $ 1,759.77 | $ 26.40 |
Personal | $ 445.01 | $ 6.68 |
Professional services | $ 2,955.82 | $ 44.34 |
Shopping | $ 6,715.17 | $ 100.73 |
Travel | $ 4,678.49 | $ 210.53 |
Total | $ 34,529.21 | $ 814.47 |
- The annual fee is $450, but the card comes with a $300 travel credit that I am guaranteed to redeem each year, so the effective annual fee is actually $150.
- If I had spent $34,529.21 on a 1% cash back credit card, I would’ve earned $345.29 in rewards. By using the Chase Sapphire Reserve instead, I accrued $814.47 in rewards points during the year. That is $469.18 more than if I had stuck with a regular credit card.
- I am enrolled in Global Entry, but I enrolled one year prior to getting a Chase Sapphire Reserve, so I haven’t used the card’s Global Entry credit yet. However, over the span of the five-year renewal period, this benefit is equivalent to a value of $20 per year.
- In regards to Priority Pass Select, my travel tendencies tend to fluctuate a lot, but if taking a very rough average, I travel about once a month and often enter an airport lounge 2 times per trip, for 24 visits per year. The cheapest way to enter an airport lounge this frequently is through Priority Pass Prestige, which is $429 per year. Now of course, if I didn’t have Priority Pass Select with the Chase Sapphire Reserve, I just wouldn’t use airport lounges, so the weight put on this benefit is different than the raw monetary value of other benefits. However, I do get free food in lounges, and if I were to assign a conservative value of $5 worth of food eaten per lounge visit that I otherwise would’ve had to buy elsewhere, the benefit is worth about $120.
- The card comes with various elements of travel insurance, like for flights and rental vehicles, but I’ve never needed to use this insurance, neither during the 1 year I’ve had the Chase Sapphire Reserve, or at all throughout my entire life of travel. Thus, because it is so difficult to predict when emergencies and inconveniences will happen, I’m not going to assign a concrete value to travel insurance.
Things you can buy instead of the 2020 Jeep Gladiator Launch Edition
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My views and opinions can change, and those that are expressed in this post may not necessarily reflect the ones I hold today.
- 2019 Ford F-150 Raptor with 801A – $60,540 Probably the truck that is given most frequently as the answer to the question “what is your favorite pickup truck,” the Ford F-150 Raptor with the 801A equipment package (which includes everything included on the standard 800A package, plus 10-way power heated leather-trimmed seats, power-adjustable pedals, and a power-sliding rear window) is $1,770 cheaper than a 2020 Jeep Gladiator Launch Edition. Yes, the Ford F-150 Raptor, the truck that most truck enthusiasts would call their “dream truck,” and then follow it up by saying “but it’s way too expensive to actually buy,” is cheaper than the Launch Edition. Now sure, a lot of dealerships actually sell the Raptor at prices higher than MSRP, but if you want to maintain the example, you can just take the 801A upgrade down to the standard 800A, then there’s nothing more you can say.
- 2019 Ram 1500 Rebel, fully optioned – $60,290 Not a fan of the Ford Raptor? Go to the Ram 1500 Rebel configurator and click on literally every single available option for a fully-optioned truck, and you can get it for $2,020 cheaper than a 2020 Jeep Gladiator Launch Edition. This includes options like the 5.7L V8 HEMI MDS VVT eTorque engine, air suspension, the Rebel 12 package (which comes with the 12″ tablet-like display), Level 2 equipment group, bedliner and tonneau cover, and power sunroof… and literally everything else, because I actually mean fully optioned. Remember that Ram was the first manufacturer to introduce the oversized center console display. That, combined with the black leather interior with tastefully attractive red contrast stitching and accents throughout the cabin, and the fully-loaded Ram Rebel feels like you’re driving a top-tier luxury vehicle off-road.
- 2019 Ram 2500 Power Wagon with Level 2 Equipment Group and 12″ display – $62,385 Don’t forget that the Jeep Gladiator is a ¼-ton, mid-size pickup truck, and the two examples I gave above are ½-ton, full-size pickup trucks. But is that still not enough for you? Then take a look at the ¾-ton Ram 2500 Power Wagon – you even have the luxury of tacking on a Level 2 Equipment Group and the iconic Ram 12″ display and only exceed the cost of the Jeep Gladiator by $75. All of these trucks are still very off-road-capable vehicles – that’s not unique to the Jeep Gladiator. But, beyond the obvious increase in payload and towing, keep in mind that the Power Wagon actually feels like a luxury vehicle on the inside, as opposed to the Jeep Gladiator that seems a bit too committed to the off-road look-and-feel.
- 2019 GMC Canyon Denali… AND A 2020 TOYOTA COROLLA – $62,245 Being the owner of a 2018 GMC Canyon, I felt like it would be appropriate to include it as an example in my list. A 2019 GMC Canyon Denali with 4WD is currently $43,240, and the starting MSRP on a 2020 Toyota Corolla is $19,500; combined, they are $65 cheaper than the Jeep Gladiator Launch Edition. Yes, this does indeed mean that you can get a Denali, the sub-brand recognized among pickup truck enthusiasts as the “luxury GMC,” as well as a small daily driver sedan that gets over 30 MPG in fuel efficiency, and you’ll still have money left over for a little cargo tote for your trunk straight from the Toyota dealership.
- A 20% down payment on a $311,550 house … You get the point.
I just finished moving for the 7th time in the past 2.5 years
This post is over 5 years old and may contain information that is incorrect, outdated, or no longer relevant.
My views and opinions can change, and those that are expressed in this post may not necessarily reflect the ones I hold today.
- 2016-11: Hometown in Chicagoland suburbs → Tempo Storm’s 1st SoCal team house, to start my full-time esports journey
- 2016-12: → Tempo’s 2nd SoCal team house (I was setting up these team houses while I was living in them)
- 2017-01: → apartment in SoCal, because the team houses were full with players
- 2018-01: → back to Tempo’s 2nd SoCal team house, after the conclusion of my one-year apartment lease
- 2018-03: → penthouse at The Mercer Las Vegas, because I wanted to live in Las Vegas
- 2018-08: → Tempo’s Las Vegas team house, because H1PL Split 2 was postponed and the players moved out
- 2019-03: → high-rise condominium complex on the Las Vegas Strip, after the conclusion of the team house lease
2018 GMC Canyon & AutoNation GMC Henderson: ½-year owner’s review
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My views and opinions can change, and those that are expressed in this post may not necessarily reflect the ones I hold today.
- The seat is incredibly uncomfortable for long-distance driving. I have the SLE model (yes, I am sure it is the SLE, it’s just that the exterior is modified to look like the all-terrain) and it does not come with lumbar adjustment. I’ve been on multiple trips across the Mojave Desert from Las Vegas to Southern California and back, and I usually have noticeable back pain if I don’t stop a few times to take a break and stretch my back. I’ve resorted to sitting half cross-legged – that is, I take my left shoe off and fold my left leg under my other leg to give my lower back a stronger base of support – to ease the pain during long-distance driving. I’ve also tried a variety of different lumbar pillows, but none of them seem to fit just right. If you also have lower back problems, I would recommend either purchasing a different truck (I’ve driven between Las Vegas and Southern California in both the Toyota Tacoma and Nissan Frontier via rentals from Enterprise, and I’ve had no back problems with either of those trucks) or upgrading to a higher trim with adjustable lumbar support.
- Right around 4,380 miles on the odometer, the vehicle just randomly shut off with no warning while I was driving. Luckily I was cruising at approximately 20 MPH (30 KPH) because I had just turned out of my cousin’s neighborhood, but I noticed that the accelerator had stopped working, and when I checked to see what was going on, I saw that the vehicle was off. I continued cruising to the side of the road, stopped, put the vehicle in park, removed the key normally as if I was turning off the engine, waited several seconds, then started the vehicle again, and it worked perfectly fine. I’ve driven a couple thousand more miles since then and haven’t encountered the problem again. I brought the vehicle to the dealership to get it checked up, but the mechanic could not find any error codes in the history, and he was unable to replicate the problem (which was expected, seeing as I had already driven about 2,000 miles since the issue without the vehicle randomly dying again).
- The transmission is slow and lurches the vehicle when the fluids are still cold. There’s an option to display transmission fluid temperature in the gauge cluster, and whenever it’s below ~100°F, the transmission takes longer to shift to different gears. This is particularly noticeable when you’re just starting up the vehicle and making your first stop of the day. If you do not come to a complete stop then wait a few seconds (and instead just slow down and roll through a stop sign), the vehicle will hiccup and lurch when you ease your foot off the brake and begin accelerating again. This problem did not happen right away, but became an issue a few months into ownership. After a few months, it happened with a 100% replication rate. Unfortunately, when I took it to the dealership for warranty service, the mechanic said that he could not recreate the problem, and said that the transmission is working as intended. The worst part about it is that it literally only happens after the vehicle sits overnight and completely cools down, so because the mechanic had already driven the vehicle earlier in the day, I couldn’t just get into the truck and show him myself. I plan on bringing the vehicle back for warranty service, though I need to figure out a strategy to actually show the problem to the mechanic myself (which will be difficult unless I literally drop off the truck, use rideshare service to come back home, use rideshare service to go back to the dealership the next day, then drive the truck with the mechanic in the passenger seat the next morning on a cold start).
- The climate control was fickle and often would not fully shut off, even though the center console claimed it was off. As a result, I couldn’t just set the temperature to very cold or very hot, blast the climate control until it was a comfortable temperature, then turn it off. Instead, I had to actually select exactly what temperature of air I wanted, because even in the “off” position, it would still blow out air of that particular temperature. The mechanic apparently forgot to write comments about this problem after bringing it in for warranty service, but after I tried to recreate the problem, it no longer happened, so I presume that they ended up finding some problem somewhere and fixed it.
- The dealership, AutoNation Buick GMC Henderson, was great right up until my actual warranty service began. My salesperson was awesome, and my service consultant was probably the only service consultant I’ve ever seen who seemed like they actually cared about the customer. Unfortunately, I’m extremely dissatisfied with the mechanics. Not only did they fail to recreate a very basic transmission problem, even though I went as far as to drop off my truck and let it sit at the dealership overnight so they could drive it from a cold start, but for whatever reason, they decided to disconnect my dash cam part-way through servicing my vehicle. This was apparent far before I actually looked at the footage – I knew right away because, when they reconnected it, they didn’t even bother mounting it properly again, and instead left it dangling by the wires from the headliner (I have the dash cam hardwired). As far as I’m aware, the only reason to actually disconnect a dash cam then literally mention nothing about it when I went to pick up the truck (and also leave no mention about it in the service notes) is if they were up to something suspicious that they didn’t want me to know about. There’s another AutoNation GMC on the other side of the Las Vegas Valley, and I’ll likely end up taking my truck to the one on Sahara for a re-check on the transmission problem, hoping that the mechanics there know what they’re doing and opt to not disconnect my dash cam (or at least tell me if they need to).
I bought a truck
This post is over 5 years old and may contain information that is incorrect, outdated, or no longer relevant.
My views and opinions can change, and those that are expressed in this post may not necessarily reflect the ones I hold today.