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Discussion of Chase RR Visa 40K-75K sigunup points offers -- NO REFERRALS!

Old Jan 23, 2014, 9:16 pm
FlyerTalk Forums Expert How-Tos and Guides
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:
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.
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.
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Discussion of Chase RR Visa 40K-75K sigunup points offers -- NO REFERRALS!

Old Oct 19, 2015, 11:17 pm
  #2716  
 
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
Originally Posted by New to FF
Wait, what? Once can by roughly 24K Choice Points for a couple hundred dollars and those will transfer to 7K SW points to fulfill the 6K balance gap after the two 50K bonuses are earned? That's way cheaper and quicker than coming up with another $6K in spend. Thanks for that info. Learned something new today
There are definitely a lot cheaper ways but I will not get into that here.
cdancer20 is offline  
Old Oct 21, 2015, 12:39 am
  #2717  
 
Join Date: Aug 2015
Location: Louisiana, MSY
Programs: Hyatt Plat, SPG Gold, Hilton Diamond, IHG Spire Elite
Posts: 139
Originally Posted by Airman000
Any harm in not calling? I have a good bit of apps from this past year and if the call prompts a manual review the odds will not be in my favor.
The only harm is that they won't give you the card.

If you want the card - call in. You'll get it.

If you don't want it, don't.
AmeriKop45 is offline  
Old Oct 22, 2015, 4:13 pm
  #2718  
 
Join Date: Oct 2013
Posts: 70
Recently applied for the Premier and Plus cards, and was approved for Plus on Oct 11, and Premier on Oct 12. When I look at the online account, the Plus card has its first due date showing up as Dec 7, and the Premier card has its first due date as Nov 23. What should I change these to so that the companion pass points post as early as possible in the new year, and when should I complete the minimum spends? I'll have no issue quickly meeting the spend requirements whenever is ideal, and have received but not activated or used the cards yet.
BayAreaResident is offline  
Old Oct 22, 2015, 7:13 pm
  #2719  
 
Join Date: Jan 2012
Posts: 105
Originally Posted by BayAreaResident
Recently applied for the Premier and Plus cards, and was approved for Plus on Oct 11, and Premier on Oct 12. When I look at the online account, the Plus card has its first due date showing up as Dec 7, and the Premier card has its first due date as Nov 23. What should I change these to so that the companion pass points post as early as possible in the new year, and when should I complete the minimum spends? I'll have no issue quickly meeting the spend requirements whenever is ideal, and have received but not activated or used the cards yet.
I am going to try answer this, and if I am wrong, hopefully someone will correct me.

Chase needs all payments due by the same day of every month in a calendar year. As such, the last payment due that they accept is the 28th (since February only has 28 days). That would give a statement date of the 31st in December, which is bad. As such, make your payment due date the 1st, and your statement date should then be the 4th of every month. You would then have between December 5th and roughly December 22nd (to be sure they post on your January statement and taking holidays into account) to spend all needed money. Your points should then post a few days after your January 4th statement, well in time for your January 11/12 completion date.

I have read a few posts where people called Chase to change their payment due date, but then Chase neglected to do so. This caused people to lose their CP, so if you change your due date, make sure you follow up and get it confirmed that you have a new due date.

Last edited by bonsai500; Oct 22, 2015 at 7:20 pm
bonsai500 is offline  
Old Oct 22, 2015, 9:32 pm
  #2720  
 
Join Date: Oct 2013
Posts: 70
Originally Posted by bonsai500
I am going to try answer this, and if I am wrong, hopefully someone will correct me.

Chase needs all payments due by the same day of every month in a calendar year. As such, the last payment due that they accept is the 28th (since February only has 28 days). That would give a statement date of the 31st in December, which is bad. As such, make your payment due date the 1st, and your statement date should then be the 4th of every month. You would then have between December 5th and roughly December 22nd (to be sure they post on your January statement and taking holidays into account) to spend all needed money. Your points should then post a few days after your January 4th statement, well in time for your January 11/12 completion date.

I have read a few posts where people called Chase to change their payment due date, but then Chase neglected to do so. This caused people to lose their CP, so if you change your due date, make sure you follow up and get it confirmed that you have a new due date.
Thanks. Does the spend need to be completed AND listed on a statement before the 90 day period is up? Or is it true that as long as the transaction happens before 90 days, it still counts, even if the statement cycle doesn't close until later?

Also, I'm worried about completing the spend amounts in December, even after my December statement, in case Chase posts the signup bonus in 2015 instead of 2016, even if the statement doesn't close until January. Has this ever happened/is this a legitimate concern?
BayAreaResident is offline  
Old Oct 23, 2015, 6:26 am
  #2721  
 
Join Date: Aug 2014
Posts: 736
Originally Posted by BayAreaResident
Thanks. Does the spend need to be completed AND listed on a statement before the 90 day period is up? Or is it true that as long as the transaction happens before 90 days, it still counts, even if the statement cycle doesn't close until later?

Also, I'm worried about completing the spend amounts in December, even after my December statement, in case Chase posts the signup bonus in 2015 instead of 2016, even if the statement doesn't close until January. Has this ever happened/is this a legitimate concern?
You need the transaction to be posted to your account as a settled transactions - so it can't be a pending transaction at the end of your deadline to complete spend.
Willbur is offline  
Old Oct 23, 2015, 3:50 pm
  #2722  
 
Join Date: Jan 2012
Posts: 105
Originally Posted by BayAreaResident
Also, I'm worried about completing the spend amounts in December, even after my December statement, in case Chase posts the signup bonus in 2015 instead of 2016, even if the statement doesn't close until January. Has this ever happened/is this a legitimate concern?
Yeah, that is a fear of mine too. Historically Chase does not post your points until after your statement closes, but they could change this any time I suppose. I know other credit cards post them as soon as you spend the money. As of now, they would not post until January. But Chase could pull a fast one and change that I suppose? I have no clue.
bonsai500 is offline  
Old Oct 23, 2015, 3:53 pm
  #2723  
 
Join Date: Jan 2012
Posts: 105
Originally Posted by Willbur
You need the transaction to be posted to your account as a settled transactions - so it can't be a pending transaction at the end of your deadline to complete spend.
So if your spend date is January 15th, but your statement in not until February 4th you are ok to spend it January 10th (even though it would not show on your statement until after you spend by date)? As long as it posts on the February statement?
bonsai500 is offline  
Old Oct 23, 2015, 5:52 pm
  #2724  
 
Join Date: Aug 2014
Posts: 736
Originally Posted by bonsai500
So if your spend date is January 15th, but your statement in not until February 4th you are ok to spend it January 10th (even though it would not show on your statement until after you spend by date)? As long as it posts on the February statement?
Correct, all spend that shows up posted prior to the Jan 15th date will count, even though it won't be on a statement until Feb 4th. And then you'll receive the points/bonus on Feb 6th-ish.
Willbur is offline  
Old Oct 23, 2015, 9:21 pm
  #2725  
 
Join Date: Jan 2015
Posts: 94
Originally Posted by AmeriKop45
The only harm is that they won't give you the card.

If you want the card - call in. You'll get it.

If you don't want it, don't.
Absolutely not true. The general consensus in most of the chase threads is to not call unless you get a denial. Most apps will work their way through the system and get approved, but if you call, they will ask you a bunch of questions and there is a very high rate of denial. Check out the applying for Chase credit cards thread for more info. As a data point, earlier this year my husband applied for SW and BA and I applied for SW Buss. All went to pending and I jumped the gun and called. They asked many questions, including why so many recent apps, why do we need so much credit, and when it came to the business card, a million questions about the "business". In the end, all 3 were denied. The reason cited was more than 5 new cards in 24 months. Now that is not supposed to apply to co-branded cards, but Chase reps have it so ingrained that many will quote it on all cards. Fast forward 6 months, and I have applied for 8 Chase cards between myself, husband, and 2 parents, including all 3 that we were denied for earlier in the year. All have gone to pending for anywhere from 1-14 days. I have not called on any of them and eventually all 8 were approved. There is absolutely no harm in not calling and waiting for a decision. The odds are that the app will work it's way through and be approved. If it does not, and it gets declined, you can always call recon. There is definitely more chance of harm than good when calling on a pending app.
beagledog11 is offline  
Old Oct 23, 2015, 9:58 pm
  #2726  
 
Join Date: Jan 2012
Posts: 105
Originally Posted by beagledog11
Absolutely not true. The general consensus in most of the chase threads is to not call unless you get a denial. Most apps will work their way through the system and get approved, but if you call, they will ask you a bunch of questions and there is a very high rate of denial. Check out the applying for Chase credit cards thread for more info. As a data point, earlier this year my husband applied for SW and BA and I applied for SW Buss. All went to pending and I jumped the gun and called. They asked many questions, including why so many recent apps, why do we need so much credit, and when it came to the business card, a million questions about the "business". In the end, all 3 were denied. The reason cited was more than 5 new cards in 24 months. Now that is not supposed to apply to co-branded cards, but Chase reps have it so ingrained that many will quote it on all cards. Fast forward 6 months, and I have applied for 8 Chase cards between myself, husband, and 2 parents, including all 3 that we were denied for earlier in the year. All have gone to pending for anywhere from 1-14 days. I have not called on any of them and eventually all 8 were approved. There is absolutely no harm in not calling and waiting for a decision. The odds are that the app will work it's way through and be approved. If it does not, and it gets declined, you can always call recon. There is definitely more chance of harm than good when calling on a pending app.
I applied for both the business and the personal premier card on the same day (in fact had 2 windows open and did them minutes apart). The business application (which I submitted first) said to call, the personal card said I would get a decision and an explanation in the mail. I called on the business card and got approved for $30,000 after I answered one question. I then asked if they could look at my personal application as well and he said he would transfer me to another department to have them do that. Both CSRs were on the phone to look at my application and I was immediately approved for $25,000 on my personal card. Ridiculous amounts. I have no clue how they even come up with these numbers. Who needs that much credit (asked them to lower it on the spot). But anyway, had I just sat back and waited, who knows what would have happened. So easy to just make the call....
bonsai500 is offline  
Old Oct 23, 2015, 11:45 pm
  #2727  
 
Join Date: Oct 2015
Location: IAD
Programs: Emirates, BA, JetBlue
Posts: 4
I have the option to apply for the premier or the business premier to be my second 50k card. Got approved for the plus a week ago with a CL of 2k. (still didn't get the card)

I have a somewhat good reason on why I'm applying for either if asked by Chase; travelling for my honeymoon and the plus doesn't waive foreign transaction fees. Which card should I apply for first? I have a TIN for a business with about a year of history so I'm thinking my chances won't be too bad with the business premier.

Also, since I applied on Oct 16th and got a statement date of Dec 4th, should I apply 25+ days after to try and get the due date closer to the end of December? Or do these types of things vary?
torkiaz is offline  
Old Oct 26, 2015, 12:35 pm
  #2728  
 
Join Date: Aug 2015
Location: Louisiana, MSY
Programs: Hyatt Plat, SPG Gold, Hilton Diamond, IHG Spire Elite
Posts: 139
Originally Posted by beagledog11
Absolutely not true. The general consensus in most of the chase threads is to not call unless you get a denial. Most apps will work their way through the system and get approved, but if you call, they will ask you a bunch of questions and there is a very high rate of denial. Check out the applying for Chase credit cards thread for more info. As a data point, earlier this year my husband applied for SW and BA and I applied for SW Buss. All went to pending and I jumped the gun and called. They asked many questions, including why so many recent apps, why do we need so much credit, and when it came to the business card, a million questions about the "business". In the end, all 3 were denied. The reason cited was more than 5 new cards in 24 months. Now that is not supposed to apply to co-branded cards, but Chase reps have it so ingrained that many will quote it on all cards. Fast forward 6 months, and I have applied for 8 Chase cards between myself, husband, and 2 parents, including all 3 that we were denied for earlier in the year. All have gone to pending for anywhere from 1-14 days. I have not called on any of them and eventually all 8 were approved. There is absolutely no harm in not calling and waiting for a decision. The odds are that the app will work it's way through and be approved. If it does not, and it gets declined, you can always call recon. There is definitely more chance of harm than good when calling on a pending app.
When they say Call in asap after you apply, they usually need some more info. That's when you call in.
AmeriKop45 is offline  
Old Oct 26, 2015, 3:56 pm
  #2729  
FlyerTalk Evangelist
 
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,038
New, lower spend, offer for Plus card

A member send me a link to this offer, with a $1K spend, he found here: http://millionmilesecrets.com/2015/1...less-spending/

You'll need to follow the instruction in the post. MMS does not get a referral for this offer. Cheers.

[Edit: this only a 40K pt. offer]

Last edited by philemer; Oct 26, 2015 at 8:21 pm
philemer is offline  
Old Oct 26, 2015, 4:31 pm
  #2730  
 
Join Date: Oct 2014
Posts: 18
Originally Posted by AmeriKop45
When they say Call in asap after you apply, they usually need some more info. That's when you call in.
Lots of datapoints indicate calling in is not a good startegy if you have more than a few recent applications. For those that don't it seems to be simple verification questions, for those that do, expect the possibility of a grilling.
Airman000 is offline  

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