Old Jan 3, 2021, 3:43 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: zebranz
Please record data points in a structured form in this wiki (in addition to posting to the thread):

Date of the offer [mm/dd/yyyy], the offer, how long you had the card and yearly spend)

__________________________________________________ _____________
Tips:

When you call, you MUST ask if there are any offers on your account. Don't ask for an AF waiver, ask if they can credit your account the $95 (or whatever your AF is) to your account. They cannot remove the AF, but they can credit an amount to offset it. If you cancel your card within 30 days of receiving retention bonus, then Chase may claw back that bonus Note that Chase has shortened the period in which you can close the card and get the fee refunded. It is 30 days for most (or all?) cards.

If you don't get a retention bonus, the card you are holding may have the option of a downgrade. Cards that are downgraded may be upgraded at a later date. For example a no-fee Sapphire product exists for downgrade which is not available to new applicants. Consolidated discussion of that topic is here: http://www.flyertalk.com/forum/chase...16-onward.html

If you have Ultimate Rewards points in the account you're calling about, try transferring them to another account before calling. For example, if you will ask for a retention on your Sapphire card, transfer the points to your Freedom card in advance.

The archived 2020 edition is here: https://www.flyertalk.com/forum/chas...-archived.html

__________________________________________________ ___________

Chase IHG Rewards Club Premier VISA

6/9/20 - No offers. Paid the $89 annual fee
7/13/20 - No offers, cancelled (card opened March 2016 and upgraded to Premier in April 2020, but zero spend on it)
12/11/20 no offers (no spend) called twice
7/7/2021 - $50 Credit, had card for 3 years w/ $0 spend
11/29/21 - $5 Credit, had card for 3 years w/ $0 spend too
3/3/22 - no offers, $0 spend, paid fee.
6/6/23 - $90 statement credit, no spend requirement.
7/6/23 - $50 statement credit (w/no spend requirement). Had card for several years, $20 monthly spend.
8/12/23 - $50 statement credit. Have had card for years but in May received business card. Prior minimal spends only at IHG hotels.

Chase IHG rewards Club Mastercard (older version of Chase IHG)
9/9/20- $25 credit. Zero spend.
11/25/20 - $25 credit. Zero spend required.
12/1/20 - $25 credit. Zero Spend required. Almost zero spend on card and have had it ~5 years, first retention offer.
12/7/20 - $25 credit, Zero spend required, Almost Zero Spend, had card for 7 years, first retention offer
3/27/21 - no retention offer, only about $170/month on cell phone for last few months, zero spend before then, had card for several years.
7/18/21 $25 credit. Zero spend required. Zero spent on card. Had since 2012.

Chase Sapphire Preferred

7/6/2020 offered and took $60 account credit, had card since 2011, $100,000 spend
12/26/2020 offered $60 statement credit. accepted. Took less than 1 min. Had card for 5 yrs. Spend ~10K this year.
12/26/2020 no retention offer. Downgraded to Freedom Unlimited. Spend, ~$6K a year.
1/2/2021 Many years, variable spend, 2019 was probably around 10K (as a Reserved), 2020 less for obvious reasons, no offer, closed
2/2/2021: 6k spend last year. No offer, told to use my Ultimate Rewards points to pay for the fee if I wanted to offset it.
4/29/2022 Little spend, offer to downgrade to no fee card, closed account

Chase Sapphire Reserve

12/30/2020 Offered $150. Annual spend ~ $40k. AF hit 1 December
1/28/2021: 40K spend last year. Called to see any retention offers. $150 statement credit. Took it right away.
2/9/2021: 8K spend last year. Called and asked, no offers.
2/25/2021: $6K spend in 2020 (much lower than usual). Called and asked to offset $450 renewal that hit 2/1. Offered $250. Accepted it (of course).
10/28/21 No offer and am billed the full $550 both in 20 and 21

12/04/21: No offer. Will retain and use PYB to defray af
4/13/22: No offer. Did nor ask. About $6k annual spend over several years
9/1/22 : 40-50k average spend (but 25k last couple of years). Offered 50% bonus to use UR points for PYB on AF (ie. 1.5c value). Declined and downgrade to CSP.
9/16/22: 24K average spend; AF due; called and asked for offer; no offer. PC to FU.
3/17/23 30K spend last 12 mos. No offer. Called twice. PC to FU. Pissed by changes to Pay Yourself Back.

Chase World of Hyatt Visa
9/4/20 No offer, had a high spend
11/19/20: $35 statement credit
9/17/21: $50 statement credit
12/06/21: No offer, and a regular spender on card at Hyatts and for Hyatt night credits

Chase United MP Explorer
13 Nov 2020, offered and accepted $60 credit, had card since 2004, $8000 spend in 2019, $800 year to date
2/24/2023 offered and accepted $100 statement credit. Had card for three years, spend varied between $3k and $15k per year.

Chase UA Presidential Plus MC
12/29/2021: Offered $100 statement credit with no spend requirement (same offer received in previous years). Approx. $28K spend in past year, about 1/4 of usual spend on that card. Accepted offer and credit posted on 1/4/2022.

Chase United Quest
21 April 2022: $100 statement credit, no requirements.
4 May 2022: $100 statement credit, no requirements.
17 May 2022: $100 statement credit, no requirements.
22 June 2022: $100 statement credit, no requirements.
6 October 2022: $100 statement credit, no requirements.
28 May 2023: $100 statement credit, no requirements.
9 June 2023: no offer.

Chase United Business
20 Jun 2022, no offer at 2nd anniversary. Almost no spend.

Chase Marriott Boundless
03 Dec 2020. Offered and accepted $50 credit (towards $95 fee) with no spend required. $0 spend in last 12 months.
16 Jan 2021. Offered and accepted $50 credit (towards $95 fee) with no spend required.
6/9/21: nothing offered (other than downgrade) but I have little to no spend on this (terrible) card
07 Jul 2021: First rep offered nothing. HUACA, offered and accepted $50 credit (towards $95 fee) with no spend required. No spend in last 12 months.

Chase British Airways
02/09/2021 No offer. Spent $50k
03/23/2021 Offered 15k to keep. Had 3 years, spent $10k 1st year only
06/08/2021 Offered 15k to keep
09/14/2021: Offered and accepted $50 statement credit (towards $95fee) with no spend required. $0 spend since CoVid.
11/13/2021: No offer. Had for several years, minimal use
02/15/2022 No offer. Had for 2 yr w/ $50k spent/yr
03/23/2022 Offered 15k, minimal spend. Had multiple years
06/16/2022: Offered 15k Avios, no spend. Accepted. Chase BA cardholder for 11 years. $0 spend year to date, probably $0 spent last year.
09/28/2022 No offer. 1 yr old card
02/04/2023: No offer. Longtime cardholder, little spent
02/14/2023: No offer. 1 yr old. Minimal spent


Chase Ritz Carlton Visa
January 2022: Offered and accepted $150 statement credit with no spend required; ~$5,000 spend in 2021. Second consecutive retention offer.
6/6/23: $150 statement credit (no spend requirement). First time requesting a retention offer. $3K annual spend

Chase Southwest Plus (Personal, not Business)
11 Feb 2022: Offered $70 to offset $69 annual fee. Third anniversary, had paid the fee on first two anniversaries. Had some recent spend but rarely used before that. Called after fee had posted on statement.
06 Feb 2023: Offered $70 to offset $69 annual fee. Fourth anniversary, had same credit last year. Had a quarterly spend offer I maxed out, otherwise no spend. Called after fee had posted on statement.

JPM Reserve
10 Oct 2022, No offer at 8th anniversary.

Ink Business Preferred
06 Feb 2023: No offer. First anniversary, minimal spend after signup bonus. Called after fee posted on statement.
03 May 2023: No offer. First anniversary, minimal spend after signup bonus (maybe $300). Called after fee posted on statement.

Marriott Premier Plus Business Visa
22 Mar 2023. No offer. Card opened 2015. $2k spend last 12 months. Got $100 2 years ago, $50 last year, nothing this year. Closed card.



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Chase Retention Offers (2021-2023)

Old Nov 2, 2022, 12:28 pm
  #631  
 
Join Date: Apr 2018
Programs: Marriott Platinum, SPG Platinum, United Silver
Posts: 15
Chase Ritz Carlton Visa
Offered and accepted $150 statement credit with no spend required; a little over 10k of spend in 2022 YTD
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Old Nov 3, 2022, 1:14 pm
  #632  
 
Join Date: Nov 2008
Location: PHL
Programs: AAdvantage Platinum, Hilton HHonors Diamond
Posts: 1,187
Originally Posted by mss2114
Chase Ritz Carlton Visa
Offered and accepted $150 statement credit with no spend required; a little over 10k of spend in 2022 YTD
Had the card since 2014? Same offer for me; probably 5-8K spend. My annual fee has remained $350 too. This is the third year in a row of being offered the $150 statement credit. My fee posted in August and I kept forgetting to call. Glad I did!
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Old Nov 3, 2022, 3:17 pm
  #633  
hnm
 
Join Date: Mar 2020
Posts: 15
11/3/2022 Retention Call on Multiple Cards

November 3, 2022 Retention Offer Call:

Bonvoy Boundless Visa-- Had one year, minimal spend after initial bonus offer met -- No Offer, Downgraded to Bold
Chase IHG Rewards Club Premier Mastercard -- Had many years, minimal spend -- $90 Statement Credit
Chase IHG Rewards Club Mastercard (older version of Chase IHG, formerly the Select) -- Had many years, minimal spend -- $50 Statement Credit
United Business Visa -- About to hit one year, annual fee not yet posted -- No Offer
Marriiott Premier Plus Business Visa -- Many years, minimal spend -- $50 Statement Credit
Ink Business Plus Visa -- Many years, decent monthly spend in 5% categories -- No Offer, but annual fee not due again for several months
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Last edited by hnm; Nov 19, 2022 at 10:04 pm
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Old Nov 5, 2022, 7:57 pm
  #634  
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Join Date: Oct 2000
Location: Anywhere warm
Posts: 33,631
Chase Ritz Carlton. $150 off, no spend required. Accepted.
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Old Nov 15, 2022, 8:24 am
  #635  
 
Join Date: Apr 2012
Location: Central Maryland
Posts: 204
11/15/2022: Just called in (via the number on the back of the card), asked to be transferred to retention, and got a retention offer for $50 on my Chase Ink Plus. (I just opened a Chase Ink Cash.) $50 isn't enough to offset the CIP's $95 AF, will likely PC to a CIU
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Old Nov 16, 2022, 12:39 pm
  #636  
Moderator: Chase Ultimate Rewards
 
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,403
Originally Posted by hnm
November 3, 2022 Retention Offer Call:

Bonvoy Boundless -- Had one year, minimal spend after initial bonus offer met -- No Offer, Downgraded to Bold
Chase IHG Rewards Club Premier VISA -- Had many years, minimal spend -- $90 Statement Credit
Chase IHG Rewards Club Mastercard (older version of Chase IHG) -- Had many years, minimal spend -- $50 Statement Credit
United Business -- About to hit one year, annual fee not yet posted -- No Offer
Marriiott Premier Plus Business -- Many years, minimal spend -- $50 Statement Credit
Ink Business Plus -- Many years, decent monthly spend in 5% categories -- No Offer, but annual fee not due again for several months
Did you cover all of these on a single call? How did you manage the conversation?
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Old Nov 17, 2022, 6:27 pm
  #637  
 
Join Date: Nov 2019
Posts: 15
CSP
Opened 1 year, AF hit
No offer, closed as I already have Freedom Cash and Unlimited
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Old Nov 18, 2022, 10:48 pm
  #638  
hnm
 
Join Date: Mar 2020
Posts: 15
Originally Posted by MDtR-Chicago
Did you cover all of these on a single call? How did you manage the conversation?
Yes, single call. After asking rep to check whether there were any offers available on the first card, for which the annual fee had just posted, I then asked her to check each of my others in turn.
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Old Nov 19, 2022, 1:42 pm
  #639  
Moderator: Chase Ultimate Rewards
 
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,403
Originally Posted by hnm
Yes, single call. After asking rep to check whether there were any offers available on the first card, for which the annual fee had just posted, I then asked her to check each of my others in turn.
I would love to hear from others who try a similar strategy. In my experience, I've been nervous to try, as the Chase reps I've encountered seemed reluctant to offer the easy retention offers and made me go through verbal hoops to get to the point of offering them.
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Old Nov 19, 2022, 8:19 pm
  #640  
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Originally Posted by MDtR-Chicago
I would love to hear from others who try a similar strategy. In my experience, I've been nervous to try, as the Chase reps I've encountered seemed reluctant to offer the easy retention offers and made me go through verbal hoops to get to the point of offering them.
I bet it's a case of YMMV. Doubt it would work very often. Reps seem anxious to "move on".
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Old Nov 22, 2022, 2:21 pm
  #641  
 
Join Date: Dec 2011
Location: PIE
Posts: 33
Received $100 for keeping Southwest Performance Business and $50 for Hyatt personal card.
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Old Nov 27, 2022, 10:53 pm
  #642  
 
Join Date: Jun 2001
Location: The road less traveled
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Posts: 5,116
$550 fee on CSR just posted. Spent about $5K+ on the card in the past year (most of spend goes on Freedom Unlimited and Flex cards -- $50K+). No offer. I didn't push it as it was late. May try during business hours to get a hold of the specific retention desk.
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Old Nov 28, 2022, 11:12 pm
  #643  
 
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: 3,167
Originally Posted by hnm
Yes, single call. After asking rep to check whether there were any offers available on the first card, for which the annual fee had just posted, I then asked her to check each of my others in turn.
Ive done that with AmEx many times. I think I may have too many open credit card accounts, I periodically review them all to see if any can be closed. Some representatives have said that its very responsible as part of overall financial management.

Its not like youre telling them anything they dont already know, their computer has a lot more details about all your credit card accounts than all but the most detailed of us do. Im pretty detailed, but their computers have more information than I do.

Strongly recommend not accepting a retention offer at a time significantly removed from the annual fee posting. When I called to discuss a bunch of cards, I ended up accepting a relatively small retention offer on a high annual fee AmEx card two months after the second annual fee posted. The problem is that locked me in to paying the THIRD annual fee (must keep account open for one year after accepted retention offer) without a high probability of getting a retention offer again two months later (after the third annual fee was paid).

(This post has the details of my prematurely accepted AmEx retention offer.)
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Last edited by Dr Jabadski; Dec 11, 2022 at 5:34 pm Reason: bolding and link added
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Old Dec 2, 2022, 11:06 am
  #644  
 
Join Date: Sep 2014
Location: TPA/DFW/K15
Programs: AA EXP, Mar AMB, HH LT DIA
Posts: 1,643
My fee just hit. I'll see if there is a retention offer for the CSR which I've had since 2016. Heavy usage on this card - it gets all of my dining and wine purchases at Bern'f Fine Wine & Spirits in Tampa. Bern's uses the same credit card system as they do for the steakhouse, so I get the dining rate on hooch. I believe I can put the dining on an Unlimited card and still get the 3%. My hotels go on my Biz Ink. I think for $550, I'll PC to another Freedom and not redeem points through PYB until I get a new CSR card in the future.

How many Freedom cards can one have?
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Old Dec 6, 2022, 6:44 pm
  #645  
 
Join Date: Dec 2007
Location: Virginia City Highlands
Programs: Nothing anymore after 20 years
Posts: 6,879
Called today. No offer.

Card: CSP
Annual fee posted: Dec 1st.
Time with the card - 10 years.
Spent this year - about $1500.
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