Jan 23, 2014, 9:16 pm
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:
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.
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.
- 40,000 points when you spend $1,000 within 3 months.
- 35,000 points when you spend $5,000 within 6 months.
- Southwest Airlines Rapid RewardsŪ Plus Card. $69 annual fee, not waived the first year.
- Southwest Rapid RewardsŪ Premier Credit Card. $99 annual fee, not waived the first year.
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.
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.
60K Business Premier offer. $3,000 spend in three months. $99 annual fee, not waived the first year.
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.
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.
Discussion of Chase RR Visa 40K-75K sigunup points offers -- NO REFERRALS!
Oct 26, 2015, 5:28 pm
#2731
Join Date: Jan 2012
Posts: 105
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.
You'll need to follow the instruction in the post. MMS does not get a referral for this offer. Cheers.
Oct 26, 2015, 6:43 pm
#2732
Join Date: Aug 2014
Posts: 736
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.
You'll need to follow the instruction in the post. MMS does not get a referral for this offer. Cheers.
The 40k points for $1k spend is worth being aware of, but won't make sense for most people on FT with the 50k Plus offer so readily available right now.
Oct 27, 2015, 7:22 am
#2733
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
If you're able to do the spending then the 50,000 offer at $2k spend makes a lot more sense. Obviously you have to do it via referral right now, but it's better for most people. Even if you're paying a fee to pay rent or something for that extra $1k spend you're going to pay $1k x 2.5% ($25) for an extra 10,000 pts (worth $150 without CP, $300 with CP) and helps a lot more toward the CP.
The 40k points for $1k spend is worth being aware of, but won't make sense for most people on FT with the 50k Plus offer so readily available right now.
The 40k points for $1k spend is worth being aware of, but won't make sense for most people on FT with the 50k Plus offer so readily available right now.
Oct 27, 2015, 7:15 pm
#2734
Join Date: Jan 2015
Posts: 94
My last 2 apps have gone to pending and said call "immediately", I did not, and the cards were approved within the 2 week window that the automated line gave.
Oct 27, 2015, 7:33 pm
#2735
Join Date: Jan 2012
Posts: 105
Yes, they want more info, like why have you applied for so many cards, or why do you need 2 SW cards, or what's this "business" of yours My last 2 apps have gone to pending and said call "immediately", I did not, and the cards were approved within the 2 week window that the automated line gave.
My last 2 apps have gone to pending and said call "immediately", I did not, and the cards were approved within the 2 week window that the automated line gave.
Oct 27, 2015, 7:34 pm
#2736
Join Date: Jan 2012
Posts: 105
Oct 28, 2015, 8:33 am
#2737
Join Date: Jan 2010
Location: ATL
Posts: 1,921
I've had the Premier card for well over 2 years. I misread a post here thinking I could just apply for a second one (without cancelling the first). Did that online and got a letter in the mail a week later stating I already had one, and to call them to make sure I'm in their correct card.
Instead I applied online last week for the Plus card, got a confirmation e-mail Friday that I was approved for the Plus; also got my monthly/quarterly Credit Karma e-mail, 835 score.
Instead I applied online last week for the Plus card, got a confirmation e-mail Friday that I was approved for the Plus; also got my monthly/quarterly Credit Karma e-mail, 835 score.
Oct 28, 2015, 11:20 am
#2738
Join Date: Dec 2013
Posts: 158
I have a CP from 14/15. I went back and noticed my 50k bonus points for both cards posted on 2/4/14. I cancelled both cards earlier this year in Jan.
I know Southwest states 24 months on their terms, but if i apply for two cards now and complete 2k spend on both cards in Jan of 16, will i get CP for 16/17? Thank you in advance!
I know Southwest states 24 months on their terms, but if i apply for two cards now and complete 2k spend on both cards in Jan of 16, will i get CP for 16/17? Thank you in advance!
Oct 28, 2015, 11:24 am
#2739
Join Date: Sep 2011
Posts: 480
I have a CP from 14/15. I went back and noticed my 50k bonus points for both cards posted on 2/4/14. I cancelled both cards earlier this year in Jan.
I know Southwest states 24 months on their terms, but if i apply for two cards now and complete 2k spend on both cards in Jan of 16, will i get CP for 16/17? Thank you in advance!
I know Southwest states 24 months on their terms, but if i apply for two cards now and complete 2k spend on both cards in Jan of 16, will i get CP for 16/17? Thank you in advance!
Oct 28, 2015, 11:34 am
#2740
Join Date: Dec 2013
Posts: 158
I will wait i guess, but who knows if 50k will be available then :/
Im hoping others have been in a similar situation and they can also chime in!
Oct 28, 2015, 12:14 pm
#2741
Join Date: Feb 2004
Programs: IHG Spire Elite; Hyatt Platinum; SPG Preferred+; Club Carlson Gold; SW CP
Posts: 674
The safest approach is to wait to apply until 24 months from when bonus posted. The next best approach is to apply before 24 months but not meet spending requirement until the 24 month mark. You can follow this latter approach if you're really worried about the offers going away. For reference, my Premier referral offer is good until at least 15 Jan 2016.
Oct 28, 2015, 1:30 pm
#2742
Join Date: Dec 2013
Posts: 158
The safest approach is to wait to apply until 24 months from when bonus posted. The next best approach is to apply before 24 months but not meet spending requirement until the 24 month mark. You can follow this latter approach if you're really worried about the offers going away. For reference, my Premier referral offer is good until at least 15 Jan 2016.
Thanks for the info. Does your referral work for both consumer, and business cards?
Oct 28, 2015, 3:34 pm
#2743
Join Date: Feb 2004
Programs: IHG Spire Elite; Hyatt Platinum; SPG Preferred+; Club Carlson Gold; SW CP
Posts: 674
Nov 1, 2015, 3:35 pm
#2745
Join Date: Jun 2009
Posts: 21
Planning to apply in prep for trip.
Looking for advice regarding applying for Chase RR cards in preparation for a trip.
Situation:
- Infrequent flyer, with an upcoming east/west coast trip planned. Possibly more over the next couple of years.
- Would like to book flights in mid-late January.
- 50000 points when combined with an existing RR balance would be sufficient to cover all travelers (if current point costs hold)
- Pursuit of CP may be of interest, but is not essential immediately.
- I have credit freezes in place with all the major credit bureaus. I can unfreeze then refreeze of course, but at a cost.
- No prior Southwest credit cards.
- Excellent credit scores.
Rough plan:
- Apply for Chase card(s) online, preferably getting instant approval
- Obtain card(s), adjust closing dates to 1st of month, execute required spend to post in early January.
- Obtain RR points
- Book trip using RR points, and possibly use CP if spend and additional point level can be obtained via (2) Chase cards
Questions:
- Is Experian the credit bureau used by Chase for the Plus and Premier cards? Unfreezing only one credit bureau would be preferred. Will the reconsideration line be able to tell me which credit bureau to unfreeze if online approval is not immediate?
- Does the credit pull occur immediately with an online application, or can that take a few days?
- Is instant approval for online application realistic?
Thanks. Apologies if this is covered elsewhere, but I was not able to find any relevant hits when searching.
Situation:
- Infrequent flyer, with an upcoming east/west coast trip planned. Possibly more over the next couple of years.
- Would like to book flights in mid-late January.
- 50000 points when combined with an existing RR balance would be sufficient to cover all travelers (if current point costs hold)
- Pursuit of CP may be of interest, but is not essential immediately.
- I have credit freezes in place with all the major credit bureaus. I can unfreeze then refreeze of course, but at a cost.
- No prior Southwest credit cards.
- Excellent credit scores.
Rough plan:
- Apply for Chase card(s) online, preferably getting instant approval
- Obtain card(s), adjust closing dates to 1st of month, execute required spend to post in early January.
- Obtain RR points
- Book trip using RR points, and possibly use CP if spend and additional point level can be obtained via (2) Chase cards
Questions:
- Is Experian the credit bureau used by Chase for the Plus and Premier cards? Unfreezing only one credit bureau would be preferred. Will the reconsideration line be able to tell me which credit bureau to unfreeze if online approval is not immediate?
- Does the credit pull occur immediately with an online application, or can that take a few days?
- Is instant approval for online application realistic?
Thanks. Apologies if this is covered elsewhere, but I was not able to find any relevant hits when searching.