Jan 23, 2014, 9:16 pm
Last edit by: pgary
Do not post referral offers or requests in this thread. All such posts will be deleted.
This thread is dedicated to Q&A about the Chase RR Visa signup bonus offers.
Post important Chase RR Visa news in the RR Visa News ONLY thread. (It will quickly get lost in this thread.)
Post or look for referral offers ONLY in the RR Visa referrals thread in the referrals thread of the credit card forum.
75,000 miles bonus for all Southwest Airlines personal credit cards.
40K + 20K personal Plus
offer: $1,000 spend in three months for 40K. $11,000 more in 12 months for additional 20K. $69 annual fee, not waived the first year.
40K + 20K personal Premier offer. $1,000 spend in three months. $11,000 more in 12 months for additional 20K. $99 annual fee, not waived the first year.
70K Performance Business Card offer. $5,000 spend in three months. $199 annual fee, not waived the first year.
50K personal Plus offer $2,000 spend in three months. $69 annual fee, not waived the first year.
40K personal Plus offer: $1,000 spend in three months. $69 annual fee, not waived the first year.
40K personal Premier offer. $1,000 spend in three months. $99 annual fee, not waived the first year.
50K personal Premier offer. $2,000 spend in three months. $99 annual fee, not waived the first year.
60K Business Premier offer. $3,000 spend in three months. $99 annual fee, not waived the first year.
60K Plus offer. $2,000 spend in three months. $69 annual fee, not waived the first year.
60K personal Premier offer. $2,000 spend in three months. $99 annual fee, not waived the first year.
60K Plus offer. $2,000 spend in three months. $69 annual fee, not waived the first year. Still active 07-July-2017
50K Plus offer. $2,000 spend in three months. $69 annual fee, not waived the first year. Still active 21-Apr-2017
40K Personal Plus offer. $1,000 spend in three months. $69 annual fee, not waived the first year.
50K personal Premier offer. $2,000 spend in three months. $99 annual fee, not waived the first year. Still active 21-Apr-2017
40K Personal Premier offer. $1,000 spend in three months. $99 annual fee, not waived the first year.
50K Business Premier offer. $2,000 spend in three months. $99 annual fee, not waived the first year. Still active 21-Apr-2017
There have been targeted offers of 50K & $100 credit, for example:
http://www.flyertalk.com/forum/24575935-post2302.html
Frequently Asked Questions about Rapid Rewards Visa
1. What are the different card types?
non-business Plus, non-business Premier, business Plus, and business Premier.
Premier cards have a higher annual fee but give 6000 anniversary bonus points vs. 3000 points for the Plus cards. It is generally agreed that you will get the bonus for a new account if you have not had that particular type of RR Visa card before, but Chase appears to be in the process of changing their policies (see below).
Note that prior to RR-2.0, the two types of RR Visa cards were "Classic" ($29 to $39 annual fee) and "Signature" ($59 to $69 annual fee). Plus and Premier are new products for purposes of the (soon to be retired?) "One bonus per product" rule.
2. Is there a zero annual fee version?
No.
3. Can I "churn" these cards? How often can I reapply for the same type card and get the signup bonus?
The official rule has recently changed more than once. Closely check the T&C of your offer as different rules may apply to concurrently available offers. The Inflight offer linked above states:
Referral offers have been seen with a limit of one individual and one business bonus per lifetime (although T&C read by the CSR taking the application differed from those printed on the referral offer).
Actual results sometimes differ from the official rule. People have reported receiving the bonus a second time on the same card type at various intervals even when the bonus was officially once per lifefime per product. Please post your results here.
As of mid-May 2015 Chase has cracked down on applicants who appear to have much less than average attachment to their cards. Specifically, more than 5 applications within the past 24 months is the approximate cutoff: Chase crackdown on churners: Please report your RR Visa approvals/denials here
4. Can I cancel the card and still collect the anniversary bonus?
Yes. Reasonable people disagree on whether this crosses the line of exploiting the card issuer. The anniversary bonus is described a reward for having been a cardmember for the past year, not as a reward for paying the next year's annual fee. Based on that description, the bonus has been earned even if you then cancel the card. As a practical matter, there is a window of only a couple weeks to accomplish this. The bonus points will post on the billing date of the statement containing your new annual fee, which will have posted earlier in the billing cycle. You have 30 days from posting of the annual fee to cancel the card and have the new fee refunded.
5. Does the annual fee count toward the spending threshold for the signup bonus?
No.
6. When will my signup bonus post to my Rapid Rewards account?
If you have met the spending threshold at least several days before your statement date, the bonus will normally post 2 days after your statement date, not when you actually spent the money! Cutting the timing or the spending amount too closely is not advisable. Mistakes can happen.
7. My statement shows sufficient purchases to meet the spending threshold. Why didn't I receive the bonus?
This can happen if you met the spending threshold just a few days before the statement date. It appears that accounts are flagged for meeting the spending threshold independently of the statement generation process and less frequently than daily.
8. How can I determine my statement date?
You should call Chase (phone number on back of card) to check your next statement date. Credit card companies are now required to have payments due on the same numerical day of each month, which means closing dates vary throughout the year. (Before reforms enacted after the financial crisis, RR Visa cards had constant closing dates rather than constant due dates.) The closing date should remain within the same small range unless you request a change of your payment due date. When you request a change, Chase normally can delay your next statement but cannot accelerate it. If you are unwisely taking the risk of cutting your timing too close, you should call Chase more than once to confirm your next statement date.
9. I accidentally crossed the spending threshold in December rather than January. Can I return a large purchase to bring my spending back below the threshold?
Unlikely. It appears that the sweep to check spending threshold does not un-flag an account previously flagged as meeting the threshold. It's not even clear whether the sweep counts returns at all. If you realize the error before the statement closes and you have a payment due date change available, you might be able to push the December closing date into January.
10. Can I apply for a credit card in my wife's name but my Rapid Rewards number, so that the points funnel into my account?
People have tried this. Some have succeeded. Others have reported that Chase closed the account and posted no Rapid Rewards points. Do you feel lucky? Programs can become very aggressive when they suspect members of defrauding the program by using non-matching names. When you game the system you are only on solid ground if you follow the rules to the letter. Breaking the rules means that the program can penalize you if they want to, and believe me: They want to.
11. Can I scam this system in any other way? I just had a clever idea.
There is nothing new under the sun here on FlyerTalk. If it relates to established program rules and it isn't discussed here you can be confident your idea will not work.
This thread is dedicated to Q&A about the Chase RR Visa signup bonus offers.
Post important Chase RR Visa news in the RR Visa News ONLY thread. (It will quickly get lost in this thread.)
Post or look for referral offers ONLY in the RR Visa referrals thread in the referrals thread of the credit card forum.
75,000 miles bonus for all Southwest Airlines personal credit cards.
- 40,000 points when you spend $1,000 within 3 months.
- 35,000 points when you spend $5,000 within 6 months.
- Southwest Airlines Rapid Rewards® Plus Card. $69 annual fee, not waived the first year.
- Southwest Rapid Rewards® Premier Credit Card. $99 annual fee, not waived the first year.
offer: $1,000 spend in three months for 40K. $11,000 more in 12 months for additional 20K. $69 annual fee, not waived the first year.
40K + 20K personal Premier offer. $1,000 spend in three months. $11,000 more in 12 months for additional 20K. $99 annual fee, not waived the first year.
70K Performance Business Card offer. $5,000 spend in three months. $199 annual fee, not waived the first year.
40K personal Plus offer: $1,000 spend in three months. $69 annual fee, not waived the first year.
40K personal Premier offer. $1,000 spend in three months. $99 annual fee, not waived the first year.
60K Business Premier offer. $3,000 spend in three months. $99 annual fee, not waived the first year.
There have been targeted offers of 50K & $100 credit, for example:
http://www.flyertalk.com/forum/24575935-post2302.html
Frequently Asked Questions about Rapid Rewards Visa
1. What are the different card types?
non-business Plus, non-business Premier, business Plus, and business Premier.
Premier cards have a higher annual fee but give 6000 anniversary bonus points vs. 3000 points for the Plus cards. It is generally agreed that you will get the bonus for a new account if you have not had that particular type of RR Visa card before, but Chase appears to be in the process of changing their policies (see below).
Note that prior to RR-2.0, the two types of RR Visa cards were "Classic" ($29 to $39 annual fee) and "Signature" ($59 to $69 annual fee). Plus and Premier are new products for purposes of the (soon to be retired?) "One bonus per product" rule.
2. Is there a zero annual fee version?
No.
3. Can I "churn" these cards? How often can I reapply for the same type card and get the signup bonus?
The official rule has recently changed more than once. Closely check the T&C of your offer as different rules may apply to concurrently available offers. The Inflight offer linked above states:
This bonus offer is available to you as long as you have not received a new cardmember bonus for this product in the past twenty four months.
Actual results sometimes differ from the official rule. People have reported receiving the bonus a second time on the same card type at various intervals even when the bonus was officially once per lifefime per product. Please post your results here.
As of mid-May 2015 Chase has cracked down on applicants who appear to have much less than average attachment to their cards. Specifically, more than 5 applications within the past 24 months is the approximate cutoff: Chase crackdown on churners: Please report your RR Visa approvals/denials here
4. Can I cancel the card and still collect the anniversary bonus?
Yes. Reasonable people disagree on whether this crosses the line of exploiting the card issuer. The anniversary bonus is described a reward for having been a cardmember for the past year, not as a reward for paying the next year's annual fee. Based on that description, the bonus has been earned even if you then cancel the card. As a practical matter, there is a window of only a couple weeks to accomplish this. The bonus points will post on the billing date of the statement containing your new annual fee, which will have posted earlier in the billing cycle. You have 30 days from posting of the annual fee to cancel the card and have the new fee refunded.
5. Does the annual fee count toward the spending threshold for the signup bonus?
No.
6. When will my signup bonus post to my Rapid Rewards account?
If you have met the spending threshold at least several days before your statement date, the bonus will normally post 2 days after your statement date, not when you actually spent the money! Cutting the timing or the spending amount too closely is not advisable. Mistakes can happen.
7. My statement shows sufficient purchases to meet the spending threshold. Why didn't I receive the bonus?
This can happen if you met the spending threshold just a few days before the statement date. It appears that accounts are flagged for meeting the spending threshold independently of the statement generation process and less frequently than daily.
8. How can I determine my statement date?
You should call Chase (phone number on back of card) to check your next statement date. Credit card companies are now required to have payments due on the same numerical day of each month, which means closing dates vary throughout the year. (Before reforms enacted after the financial crisis, RR Visa cards had constant closing dates rather than constant due dates.) The closing date should remain within the same small range unless you request a change of your payment due date. When you request a change, Chase normally can delay your next statement but cannot accelerate it. If you are unwisely taking the risk of cutting your timing too close, you should call Chase more than once to confirm your next statement date.
9. I accidentally crossed the spending threshold in December rather than January. Can I return a large purchase to bring my spending back below the threshold?
Unlikely. It appears that the sweep to check spending threshold does not un-flag an account previously flagged as meeting the threshold. It's not even clear whether the sweep counts returns at all. If you realize the error before the statement closes and you have a payment due date change available, you might be able to push the December closing date into January.
10. Can I apply for a credit card in my wife's name but my Rapid Rewards number, so that the points funnel into my account?
People have tried this. Some have succeeded. Others have reported that Chase closed the account and posted no Rapid Rewards points. Do you feel lucky? Programs can become very aggressive when they suspect members of defrauding the program by using non-matching names. When you game the system you are only on solid ground if you follow the rules to the letter. Breaking the rules means that the program can penalize you if they want to, and believe me: They want to.
11. Can I scam this system in any other way? I just had a clever idea.
There is nothing new under the sun here on FlyerTalk. If it relates to established program rules and it isn't discussed here you can be confident your idea will not work.
Discussion of Chase RR Visa 40K-75K sigunup points offers -- NO REFERRALS!
Jan 20, 2014, 10:45 am
#931
Join Date: Jan 2014
Location: TX
Posts: 11
My wife and I are planning on applying for the SW cards and getting the CP. We're using her info for now and she's got good credit and only has one credit card and our mortgage. We applied last week for the SW premier card and the SW plus card on the same day. She was approved for 15k on the Plus and got the 7-10 day message on the premier card.
I have the Premier card in my name that I hit the bonus on last year. She's listed as an authorized user of that card and I was listed as an authorized user on both her Plus and Premier apps. As a CPA, I'm better at talking finances with people and was wondering if I can call the reconsideration line for the premier card for her?
OR... should I go ahead and apply her for one of the business cards? She does photography on the side and makes a couple grand or so each year and I think we'd be able to make a great case for her to be approved for the business card as well.
I have the Premier card in my name that I hit the bonus on last year. She's listed as an authorized user of that card and I was listed as an authorized user on both her Plus and Premier apps. As a CPA, I'm better at talking finances with people and was wondering if I can call the reconsideration line for the premier card for her?
OR... should I go ahead and apply her for one of the business cards? She does photography on the side and makes a couple grand or so each year and I think we'd be able to make a great case for her to be approved for the business card as well.
Jan 20, 2014, 2:39 pm
#933
Join Date: Jan 2014
Posts: 113
My wife and I are planning on applying for the SW cards and getting the CP. We're using her info for now and she's got good credit and only has one credit card and our mortgage. We applied last week for the SW premier card and the SW plus card on the same day. She was approved for 15k on the Plus and got the 7-10 day message on the premier card.
I have the Premier card in my name that I hit the bonus on last year. She's listed as an authorized user of that card and I was listed as an authorized user on both her Plus and Premier apps. As a CPA, I'm better at talking finances with people and was wondering if I can call the reconsideration line for the premier card for her?
OR... should I go ahead and apply her for one of the business cards? She does photography on the side and makes a couple grand or so each year and I think we'd be able to make a great case for her to be approved for the business card as well.
I have the Premier card in my name that I hit the bonus on last year. She's listed as an authorized user of that card and I was listed as an authorized user on both her Plus and Premier apps. As a CPA, I'm better at talking finances with people and was wondering if I can call the reconsideration line for the premier card for her?
OR... should I go ahead and apply her for one of the business cards? She does photography on the side and makes a couple grand or so each year and I think we'd be able to make a great case for her to be approved for the business card as well.
Call the recon line. She may have gotten approved for the premier as well. Same thing happened to me and I called the recon line and was approved for the premier.
Jan 20, 2014, 8:34 pm
#934
Join Date: Dec 2009
Programs: WN CP, Hyatt Plat, Marriott Gold, Carlson Gold, AA Gold
Posts: 350
For those who are interested in knowing dates (if you don't know already)
Payment date: 1/15
Statement close: 1/17
Statement available: 1/18
Points awarded: 1/20
Companion pass: 1/20
Jan 21, 2014, 12:56 am
#936
Join Date: Nov 2010
Posts: 639
I've got plus personal and plus business since June. I'd like to re-earn CP either late in 2014 or early in 2015. Do I need to close either of these? I also see no reason to keep these cards so I thought I'd probably cancel them when annual fee time comes around. (I've got a long history with chase, so I should be able to preserve the credit line with a transfer to other cards. Or offer the cards as sacrifice in another application cycle.)
Jan 21, 2014, 7:24 am
#937
Join Date: Jan 2014
Location: BOS
Programs: B6 Mosaic, Hyatt Plat, SPG/MAR Gold, Nat'l EEE
Posts: 128
Another data point...applied for both Personal cards on October 30, approved instantly for both.
100k points posted on Jan 17 (statement close Jan 15). Transferred 6k points from Hyatt on Jan 18, received CP on Jan 20.
Thanks for everyone's help.
100k points posted on Jan 17 (statement close Jan 15). Transferred 6k points from Hyatt on Jan 18, received CP on Jan 20.
Thanks for everyone's help.
Jan 21, 2014, 9:04 am
#938
Join Date: Mar 2011
Posts: 74
I think I goofed and I don't know what to do. My husband and I both got a personal (10/2011) and business card (1/2012). I swear it was the plus as I'm cheap and wouldn't want to pay the $99 fee for premier. I did not write down which version we got and can't find any record of it. He applied last October for the plus personal and business and while waiting for bonus points to post I realized I goofed and he probably wouldn't get it because he already had a plus and wouldn't be new. His business bonus posted and personal suppose to post next month (as rep said). He's good, don't know how. But it's my turn to apply and I don't know which I should apply for. Is there ANY way to tell which card I got in 2011? Should I just do premier since that's what I "think" I haven't done? Or should I just do plus since..."he got it". Ugh. Any guidance would be appreciated!
Jan 21, 2014, 9:16 am
#940
Moderator: Southwest Airlines, Capital One
Join Date: Sep 1999
Location: California
Programs: WN Companion Pass, A-list preferred, Hyatt Globalist; United Club Lietime (sic) Member
Posts: 21,617
Jan 21, 2014, 9:35 am
#942
Join Date: Mar 2011
Posts: 74
Jan 21, 2014, 10:00 am
#943
Join Date: Mar 2007
Location: Midwest U.S.A
Programs: Too many to list. Since the early 90's.
Posts: 1,407
For the first time in the history of the world Churnman got denied a Chase business card! 
I previously had the Southwest Plus personal and a Southwest Plus Business a couple years ago. But, this was the first time applying for the Premiere version. The reason was "too many applications in the last 12 months" (total cards, not just Chase). I had 9 apps for credit cards in the last 12 months with approval on all. I, of course, understand and not complaining. I acquired a LOT of miles and points this year, but the denial finally got me. I will now wait a while before trying again. I gained half a million miles in a short time (variety of brands) so time for a breather I guess. I will now concentrate on manufactured spending with the current cards in hand to acquire more points.
I previously had the Southwest Plus personal and a Southwest Plus Business a couple years ago. But, this was the first time applying for the Premiere version. The reason was "too many applications in the last 12 months" (total cards, not just Chase). I had 9 apps for credit cards in the last 12 months with approval on all. I, of course, understand and not complaining. I acquired a LOT of miles and points this year, but the denial finally got me. I will now wait a while before trying again. I gained half a million miles in a short time (variety of brands) so time for a breather I guess. I will now concentrate on manufactured spending with the current cards in hand to acquire more points.
Jan 21, 2014, 10:15 am
#944
Join Date: Jan 2012
Posts: 117
My wife and I are planning on applying for the SW cards and getting the CP. We're using her info for now and she's got good credit and only has one credit card and our mortgage. We applied last week for the SW premier card and the SW plus card on the same day. She was approved for 15k on the Plus and got the 7-10 day message on the premier card.
I have the Premier card in my name that I hit the bonus on last year. She's listed as an authorized user of that card and I was listed as an authorized user on both her Plus and Premier apps. As a CPA, I'm better at talking finances with people and was wondering if I can call the reconsideration line for the premier card for her?
OR... should I go ahead and apply her for one of the business cards? She does photography on the side and makes a couple grand or so each year and I think we'd be able to make a great case for her to be approved for the business card as well.
I have the Premier card in my name that I hit the bonus on last year. She's listed as an authorized user of that card and I was listed as an authorized user on both her Plus and Premier apps. As a CPA, I'm better at talking finances with people and was wondering if I can call the reconsideration line for the premier card for her?
OR... should I go ahead and apply her for one of the business cards? She does photography on the side and makes a couple grand or so each year and I think we'd be able to make a great case for her to be approved for the business card as well.
I was bummed at first (first refusal in 15 years). Oh well, I will apply for another personal later this year then.
Jan 21, 2014, 10:27 am
#945
Join Date: Jan 2013
Location: SEATAC
Programs: AS MVP Gold
Posts: 186
Has anyone who was approved for two personal cards after January 1 gotten any sort of confirmation that they'll get the bonus? To my understanding the "1 personal and 1 business" bonus language was a recent addition (I'm admittedly late to this game). It's clear the October folks are getting the double personal bonus; was that language in the application back then?
