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Chase Sapphire Preferred (CSP) : 60K , $4k spend, $95 fee. (2013-2023)

Old Nov 18, 2013, 5:01 pm
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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?
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.

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.
See Sapphire (CSR & CSP) 48 months between bonuses, August 2018 for details and ongoing discussion.

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.







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Chase Sapphire Preferred (CSP) : 60K , $4k spend, $95 fee. (2013-2023)

Old Mar 9, 2016, 6:39 am
  #751  
 
Join Date: Sep 2011
Posts: 1,857
Originally Posted by ericdabbs
Just have a question for those that have done the AU bonus 5K UR points before. I added an AU to my account but I did not request a card to be sent for that AU since I don't want to get any more unnecessary plastic just to satisfy the 5K points.

From what the Chase rep told me, he said in order to get the bonus the AU has to make a purchase. My thought was to buy a small Amazon GC by entering the AU name and using my (primary) card number/address/exp date, etc to buy the Amazon GC. I am not sure if the purchase will go through.

My question does this work to satisfy the AU requirement or should I request a plastic card in the AU name to be sent and just buy a small purchase at the grocery store to satisfy the requirement? Any advice? I have to do the same thing for my Marriott card so I will have to do the same thing based on the advice.
Are you really going through all this extra effort so that you don't have to bother with a small credit-card sized piece of plastic (actually, metal) arriving in your mailbox?
pallhedge is offline  
Old Mar 9, 2016, 12:01 pm
  #752  
 
Join Date: Oct 2013
Location: PHX, ORD, MDW
Programs: WN A-List, Hilton Gold, Marriott Gold, National Executive Elite
Posts: 292
Originally Posted by dihorul
I just received the card and welcome package in the mail, but there's no mention of the 50k points bonus. I got the last bonus in January 2014, so there's been over two years. A year ago I converted CSP to Chase Sapphire, so I don't have to pay the AF. Why do you think that they are not giving me the bonus?
Have you received anything telling you that you aren't eligible for the bonus? The welcome package and emails typically don't mention anything about the bonus. If you want to be sure, call the number on the back of the card and ask the rep to verify that you are enrolled in the 50k bonus.
ryanmcv is offline  
Old Mar 9, 2016, 4:53 pm
  #753  
 
Join Date: Jun 2006
Posts: 62
Originally Posted by ryanmcv
Have you received anything telling you that you aren't eligible for the bonus? The welcome package and emails typically don't mention anything about the bonus. If you want to be sure, call the number on the back of the card and ask the rep to verify that you are enrolled in the 50k bonus.
No, I didn't receive anything saying that I'm not eligible either. I called Chase and I'm enrolled in the 50k bonus. Thank you
dihorul is offline  
Old Mar 9, 2016, 5:49 pm
  #754  
 
Join Date: Dec 2013
Posts: 3,547
Originally Posted by pallhedge
Are you really going through all this extra effort so that you don't have to bother with a small credit-card sized piece of plastic (actually, metal) arriving in your mailbox?
I got my question answered by the Chase rep. And no its not really extra effort since that is now OBE since I don't actually have to make a purchase with the AU. It would be a waste of metal to send me a card on something that would never be used.
ericdabbs is online now  
Old Mar 10, 2016, 3:01 pm
  #755  
 
Join Date: Aug 2014
Posts: 1,324
scouring the web for data points of anyone getting approved having more than 10 openings in two years against the 5/24 rule seem futile. Seen some that were approved but they had targeted offers. Bummed.
DeltaNeutral28 is offline  
Old Mar 10, 2016, 7:36 pm
  #756  
 
Join Date: Jan 2016
Posts: 27
Could anyone let me know if current CSP 50K UR offer will expire by the end of March? Thanks in advance.
jychen is offline  
Old Mar 11, 2016, 8:06 am
  #757  
 
Join Date: Jan 2014
Location: NJ
Programs: United Silver, Hyatt, Marriott Gold, HHonors Gold, Amex Plat, Global Entry
Posts: 751
Applied 10 days ago...got a letter yesterday rejecting me... The explanation was "Too many CC opened in last 2 years" ugh

I was quite surprised...I have 4 other chase cards..Slate, United, Hyatt and Marriott..... and I think Ive opened total 6 CC in last 2 years (2 amex, 1 Citi, 1 WF, 2 Chase)..... but still have them all.. and perfect payment history on them...

Im also 745...

Is there something im missing here?
elg26 is offline  
Old Mar 11, 2016, 9:03 am
  #758  
 
Join Date: Jan 2016
Posts: 22
Originally Posted by elg26
Applied 10 days ago...got a letter yesterday rejecting me... The explanation was "Too many CC opened in last 2 years" ugh

I was quite surprised...I have 4 other chase cards..Slate, United, Hyatt and Marriott..... and I think Ive opened total 6 CC in last 2 years (2 amex, 1 Citi, 1 WF, 2 Chase)..... but still have them all.. and perfect payment history on them...

Im also 745...

Is there something im missing here?
I think you fall under the 5/24 rule. If you google it there's a lot of info.
WombatCA is offline  
Old Mar 11, 2016, 12:55 pm
  #759  
 
Join Date: Feb 2011
Location: San Diego, CA
Posts: 38
Applied CSP for myself in Dec 2015 at the branch, got instant approved. I had more than 5 CCs in the last 2 years.

Applied CSP for DH in Nov 2015 online, got a denial letter, too many CCs in the last 2 years. In Feb 2016, re-applied in branch, got approved right away. So the branch must have had different approval algorithm than the online system.
wolam is offline  
Old Mar 11, 2016, 1:29 pm
  #760  
 
Join Date: Jan 2014
Location: NJ
Programs: United Silver, Hyatt, Marriott Gold, HHonors Gold, Amex Plat, Global Entry
Posts: 751
Originally Posted by wolam
Applied CSP for myself in Dec 2015 at the branch, got instant approved. I had more than 5 CCs in the last 2 years.

Applied CSP for DH in Nov 2015 online, got a denial letter, too many CCs in the last 2 years. In Feb 2016, re-applied in branch, got approved right away. So the branch must have had different approval algorithm than the online system.
So I should retry at branch? Question is how long should I wait?
elg26 is offline  
Old Mar 11, 2016, 9:29 pm
  #761  
 
Join Date: Sep 2011
Location: SNA
Programs: AA EXP, Hilton Diamond, Hyatt Globalist, IHG Plat, Marriott Gold, National EE
Posts: 1,216
Originally Posted by elg26
So I should retry at branch? Question is how long should I wait?
Seems to me like your options are to

1) apply for Chase cards at a later date when you have not opened 5 cards in the last 24 months (this might be 2 years from now) or,

(2) say bye to new Chase apps and go play with other banks.

Doing 2 will affect your ability to do 1.
ralphs is offline  
Old Mar 12, 2016, 6:11 am
  #762  
 
Join Date: Sep 2011
Posts: 1,857
Originally Posted by wolam
Applied CSP for DH in Nov 2015 online, got a denial letter, too many CCs in the last 2 years. In Feb 2016, re-applied in branch, got approved right away. So the branch must have had different approval algorithm than the online system.
Or perhaps enough "new" cards dropped off in the 3 month period between Nov and Feb?
pallhedge is offline  
Old Mar 13, 2016, 8:10 am
  #763  
 
Join Date: Mar 2015
Posts: 184
Originally Posted by spidy1
Took the plunge and applied again for my wife. Got the same message as before. It will be a rejection and not budging on the 5/24 rule, even when she is AU on 2 of my cards. Damn you chase. I will apply for IHG & Hyatt for her and then say goodbye to chase forever and work with Citi and others.
After i got the denial letter for my wife, i asked her to call them and ask if they are willing to reconsider their decision. Asked a few questions about her work, income, expenses and then was approved.
spidy1 is offline  
Old Mar 14, 2016, 11:52 am
  #764  
 
Join Date: Feb 2011
Location: San Diego, CA
Posts: 38
I would ask the banker if they see anything on your account for the Chase Sapphire Preferred. My banker said even if my DH got denied, they can call the credit card group and put in some kind of relationship justification. Luckily, he got approved when they submitted the application. When he applied in Nov, he called reconsideration but they wouldn't budge. BTW, we are both Chase Private Client so we get 60K UR points for CSP.
wolam is offline  
Old Apr 11, 2016, 10:52 am
  #765  
nsx
Moderator: Southwest Airlines, Capital One
Hyatt Contributor Badge
 
Join Date: Sep 1999
Location: California
Programs: WN A-list preferred, United Club Lietime (sic) Member
Posts: 21,727
Stupid question, but I want to be sure: Does specifying an authorized user in the application form trigger the 5k bonus, or does the additional user need to be added AFTER approval? I've always done it post-approval in the past.
nsx is offline  

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