Chase Sapphire

Chase Sapphire is Putting Amex in a Body Bag

Chase Sapphire is Making Credit Cards Great Again

The Chase Sapphire is a polarizing omnipresence in any upper to middle class millennial socio-economic circle. I’m talking first-world fisticuffs at the bar that harken back to the great debates about the most prolific airline perks. At least one of my friends was “peaseant-shamed” for being denied the “Millennial Black Card” and more than a panty or two was bunched as my friends and I discussed the card and it’s ridiculous perks:

  • 100,000 points just for signing up
  • 50K bonus points after you spend $4,000
  • Oh and did I mention it’s half metal?

(Sorry slackers/people who just started reading The Points Guy, these rich rewards are long gone)

It seemed to become a right of passage to post a picture of your ticket to the cool kids table on social media, bust it out on a Tinder date (Date thinks to self: “Wow, he must pay for Spotify!”)  or offer to pick up the tab at brunch (and promptly Venmo everyone) to make damn sure you hit that minimum to unlock those rewards. No longer were these plastic credit score destroyers discussed only when it was forgotten at the bar or it was needed to split up the an 8-ball. The conversation done changed.

And apparently, millennials are changing the credit card marketeat shit, boomers.

Amex feels like something straight out of George Costanza’s un-ergonomic wallet and is far too easily confused with my corporate card. As a firm believer in separating the proverbial church and state that are work and leisure, I’d rather pay with a check than carry around a personal Amex. And their perks are straight out of “Wall Street” (think Charlie Sheen, not Shia Labeouf): tickets to the opera, free shipping on obscure items left it hotel rooms in foreign countries and who can forget about their state of the art travel agency (Three words: Netflix, Airbnb, and Shame on Amex for phasing out their VHS rewinding service!

“Millennials, however, don’t really need travel agents or concierges: They have Priceline and Yelp. Nor are they traditionally fans of opera, ballet, Dom Pérignon tastings, or the other high-culture events Amex can get cardholders into. If you leave your reading glasses in Budapest, it’s probably faster to order new ones from Warby Parker, which is pretty cheap to begin with.”

“This challenge, however, seemed different. Inside Amex’s plushly carpeted New York offices and between rounds of squash, the company’s leaders began asking one another: Could it be that American Express, the card that had defined ostentatious luxury and capitalist striving since the 1980s, was on the brink of becoming passé? What kinds of hoops would Amex need to jump through to attract these new hoodie-wearing moguls and young tycoons?”

Chase Sapphire is like your new side piece that knows EXACTLY what you like and bends over backward for a positive “user experience.” And Amex … we’ll they’re the once-a-month, missionary-only ball and chain that nags you to call your mother. So until Amex is accepted everywhere, has a perk that doesn’t involve me renting a tuxedo and gets their head out of their freshly bidet-ed asshole, they can go fuck themselves. And I mean that with all due respect.

A few years from now, who is to say that your Amex won’t get you into a foam party at the Electric Daisy Carnival as easily as a cocktail party at the Met?”