Originally Posted by
TMM1982
The annual fee shouldn't hit until end of first billing cycle so for the poster, it should be end of Jan/early Feb. That will be more than enough time to double dip before having to pay a 2nd annual fee.
Correct, but had he applied a couple of weeks ago he could have triple dipped (late December 2014, sometime in 2015, then again early January 2016 right before AF hits again). That's $900 in airline reimbursement for one $395 annual fee.
I'm in the same situation (applied and got instant approval on Friday). I didn't want to apply before because I had already gotten 3 Chase cards in the past 90 days :/