Nov 18, 2013, 5:01 pm
Last edit by: philemer
Moderator caution: Referral offers -or- links are NOT permitted in any thread in the Chase forum. Instead, see: Credit card referral offers (post only in this thread, read Wikipost first Please do not post ANY application links in the Wikipost or thread, even if you think they are not referral links. If you think there is an extraordinary circumstance where the link is difficult to find elsewhere, consult with a moderator before posting.
What is the best current offer?
What is the best current offer?
A. Beginning April 14, 2022, the public offer has been increased to 80,000 Bonus Points After You Spend $4,000 On Purchases In The First 3 Months From Account Opening. Annual fee [$95] is not waived. This offer is now publicly available. Based on some datapoints, it may be possible to get this offer at your local Chase branch with a one year waiver of the annual fee.
For any CSP offer, be sure to check the pricing details before applying. Normally, the annual fee for the CSP for year 2 and later is $95; however, in mid-2014 and then again more recently, Chase began randomly changing the pricing for some visits to the pages above, with AF as high as $150. If you get a page with that higher pricing, try reloading the page.
For any CSP offer, be sure to check the pricing details before applying. Normally, the annual fee for the CSP for year 2 and later is $95; however, in mid-2014 and then again more recently, Chase began randomly changing the pricing for some visits to the pages above, with AF as high as $150. If you get a page with that higher pricing, try reloading the page.
Q. Can I apply for this card and earn the bonus after doing so previously?
A. This card is subject to the Chase 5/24 policy. For details, see the wiki and related discussion in Applying for Chase Credit Cards, 2017 onward.
As of August 2018, all Chase Sapphire cards are subject to an additional restriction:
The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months.
Q. I'm an authorized user for a card issued to my spouse/parent. Does that prevent me from signing up for the same card and earning a bonus?
A. No, being an authorized user does not prevent you from obtaining your own card / bonus.
Q. I just met the spend requirement. When will I receive my signup bonus points?
A. In most cases, your bonus will be credited after the close of the monthly billing cycle in which you meet the spend requirement. (Chase never posts signup bonuses mid-cycle.)
However, owing to a quirk in Chase's system, bonuses associated with charges incurred in the last ~7 days of a billing period may not post until the end of the following billing period. This is true even if the charges appear on your current statement and generate the standard number of points per dollar spent.
Thus, if you meet your bonus spend threshold late in your billing cycle, you may not receive the corresponding signup bonus until the following month. Calling Chase to complain will not change this, so be patient and enjoy your points when they finally appear.
Q. What's the value of a UR point? What are the best redemption options?
A. Because these questions are not specific to the Sapphire Preferred card, see discussion in the following separate threads:
Q. What are the benefits of this card other than UR points?
Benefits Guide https://www.chasebenefits.com/sapphirepreferred
A. See the discussion in Chase Sapphire Preferred Benefits Thread, especially the source documents referenced in the wiki.
Other discussion
Which travel booking sites qualify for 2x points on CSP?
To review previous Sapphire Preferred thread, click HERE.
Chase Sapphire Preferred (CSP) : 60K , $4k spend, $95 fee. (2013-2023)
Jul 21, 2021, 8:36 am
#1516
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,959
Jul 21, 2021, 9:48 am
#1517
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
Not necessarily "better," just an option to consider. And it's worth noting that PC'ing to any card with a SUB (e.g. Freedom) may be ill advised.
Jul 21, 2021, 10:07 am
#1518
Join Date: Aug 2015
Location: SFO
Programs: AS 75K (OW), SK Silver (*A), UR, MR
Posts: 3,347
I wouldn’t call a PC just an option any more than getting vaccinated for Covid. Unless there is something truly compelling against it, it’s generally a far better deal. Then again, I am biased given that I have never closed a card. 
Jul 21, 2021, 11:52 am
#1519
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold (BIS), AA LT Plat (CC SUBs & BD), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 3,299
I consider a PC to be a “last resort” strategy. Unless there’s a compelling reason, it’s generally a surrender, sacrificing a perfectly good SUB. However, it's worth noting that PC'ing to a card with a small SUB (e.g. Freedom) may be a small sacrifice toward the greater good. Of course I’m biased, having often been (prior to 5/24) LOL/24 and having closed about 220 cards (out of ~240* cards and ~170 SUBs). Different strokes for different folks.
(* ~ 65 cards before I became enlightened to the euphoria of miles and points churning.
)
(* ~ 65 cards before I became enlightened to the euphoria of miles and points churning.
)
Last edited by Dr Jabadski; Jul 21, 2021 at 11:58 am
Jul 21, 2021, 12:07 pm
#1520
Join Date: Aug 2012
Programs: UA Silver
Posts: 102
An ad for the CSP appeared in the "Just for you" offer listing on my account after 7 days, so I went for it.
Jul 21, 2021, 4:56 pm
#1521
Join Date: Nov 2011
Location: Virginia
Programs: HHonors Gold, IHG Platinum, Marriott nobody
Posts: 470
I have a different take on that point. PC is a no cost exit strategy. When someone PC to a Freedom card with a small SUB (typically around $200), they just give up the opportunity to earn that extra $200. But they also preserved a valuable 5/24 slot. For me, I would not use up a 5/24 slot for only $200. I want more for each of those slot.
Jul 22, 2021, 12:01 am
#1522
Join Date: Apr 2021
Location: Manhattan, Palm Beach Island, San Francisco, Boston, & Hong Kong
Programs: Lifetime United Global Services, Delta Plat, Hyatt Globalist, Marriott Ambassador, & Hilton Diamond
Posts: 3,165
I have a different take on that point. PC is a no cost exit strategy. When someone PC to a Freedom card with a small SUB (typically around $200), they just give up the opportunity to earn that extra $200. But they also preserved a valuable 5/24 slot. For me, I would not use up a 5/24 slot for only $200. I want more for each of those slot.
Jul 22, 2021, 2:12 am
#1523
Join Date: Jan 2017
Posts: 126
Personally my "Bribery Point" for opening a new credit card account is $500. I opened a Flex as a new account last October because I considered the SUB as 80K UR and I recall reading if you PC'd a Chase card to that product you couldn't get the SUB for a new account of the same product.
My PC recommendation is simply a FICO score thing for those who haven't studied the subject.
Obviously, a churner at your level is NEVER going to get to the top Bucket/Segment of +10 year AAoA/AAooA, so who really cares, LOL,,, LOL...
Jul 22, 2021, 6:08 am
#1524
Join Date: Sep 2014
Location: TPA/DFW/K15
Programs: AA EXP, Mar AMB, HH LT DIA
Posts: 1,653
My spouse applied for this card 10ish days ago. She got the "needs more time" message. We didn't think about it for while until I logged in the other day and saw a new card with a $20K+ line. Two days later, we get an letter from Chase saying we need to "verify that the application is yours". I'm assuming this has already been approved, but I'll probably have her call anyway.
Jul 22, 2021, 6:46 am
#1525
Join Date: Sep 2008
Location: AUS
Programs: BAEC Gold, AA PPro, Hyatt Globalist, Amex Plat
Posts: 7,043
I have a different take on that point. PC is a no cost exit strategy. When someone PC to a Freedom card with a small SUB (typically around $200), they just give up the opportunity to earn that extra $200. But they also preserved a valuable 5/24 slot. For me, I would not use up a 5/24 slot for only $200. I want more for each of those slot.
Regards
Jul 22, 2021, 8:15 am
#1526
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold (BIS), AA LT Plat (CC SUBs & BD), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 3,299
(While I understand that average account age is a factor, I didn’t realize +10 year AAoA/AAooA is the “top Bucket/Segment”, I thought bigger, I mean longer, is better
. A “churner at your level” can absolutely have a top segment average age. Based partially on 2 accounts that are 38 years old (should be 3 but one credit union PC 10 years ago resulted in a new open date) and shifting to mostly business applications my average age a year ago when I had gotten to 1/24 (sarcastic HT to COVID 
) was 16 years and even now at 4/24 it’s 11 years.)
Jul 22, 2021, 12:40 pm
#1527
Join Date: Nov 2015
Posts: 10
Is that 4 days after the phonecall is made, or 4 days after you activate the new card? Because the agent told me I can use my RESERVE until I get the new Freedom in the mail and activate it.
Jul 22, 2021, 2:00 pm
#1528
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,089
Jul 22, 2021, 8:22 pm
#1529
Join Date: Nov 2015
Posts: 10
So even though I'm still using my physical CSR card, my online account now shows the Freedom, although I have not received it in the mail yet. I had the PC phonecall on Sunday night.
Jul 23, 2021, 5:39 am
#1530
Join Date: Nov 2011
Location: Virginia
Programs: HHonors Gold, IHG Platinum, Marriott nobody
Posts: 470
When you PC, you keep the same credit card account, it just changed to a different product. The change seems to be instant. The rep explained that the expiration date as well as the CVV on the back on the new card will change. So you may not be able to make purchases online if they ask for the expiration date or CVV. Many of my recurring charges still came through before I could make the changes.