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 Rewards® Plus Card. $69 annual fee, not waived the first year.
- Southwest Rapid Rewards® 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!
Mar 1, 2013, 8:13 am
#91
Join Date: Jan 2008
Posts: 3,638
If I want to apply for only one card, either the FL with 2 free roundtrips+the BC passes or the current WN offer, which is the better choice? I have been receiving these offers since at least last fall, but never responded.
I have not applied in quite awhile for any new credit cards and am not a churner...I've thought that I just had enough cards, already. However, it looks like it might be a good time to apply, before the offers disappear.
So, which offer is better for maximum benefits?
I have not applied in quite awhile for any new credit cards and am not a churner...I've thought that I just had enough cards, already. However, it looks like it might be a good time to apply, before the offers disappear.
So, which offer is better for maximum benefits?
Mar 1, 2013, 8:47 am
#92
Join Date: Dec 2007
Posts: 11
So I have a business and I spend a lot of money on credit cards, though I don't fly a lot. So here is my question: if I spend like $150,000 per year on the business sw card, that will mean perpetual companion pass, at least as long as the programs exists as it is now? Plus that equates to about $2700 in free airfare at the wanna get away level, correct?
But although earning all those points is good for airfare and the companion pass, they will not count towards a list or a list preferred?
But although earning all those points is good for airfare and the companion pass, they will not count towards a list or a list preferred?
Mar 1, 2013, 8:56 am
#93
Join Date: Sep 2011
Location: ORD/MDW
Programs: AA EXP, DL-Plat, WN-CP | Hotels: Choice-Gld, IHG-Plt, Rad-Gld, HH-Dia, Hyatt-Glob, Marriott-LtPlt
Posts: 2,889
Correct, unless you are using a "Premier" card in which case for each $10k spent, you'll receive a bonus of 1,500 TQPs up to a maximum of 15,000 TQPs per card per year.
Mar 1, 2013, 1:02 pm
#94
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,185
Premier has no foreign exchange fee, Plus does. Couple other benefits as well. And the annual fee is covered by the bonus points anyway. The extra 3000 points more than pay the difference in annual fee.
Mar 1, 2013, 1:04 pm
#95
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,185
Get the Hilton Surpass or Citi Reserve and that extra $40K would get you Diamond, among other things.
Mar 1, 2013, 3:29 pm
#96
Join Date: Dec 2007
Posts: 11
Hmmm...instantly approved for 35k credit limit on the business premiere, but 'decision pending' on the personal premiere. Kind of funny because i'm self employed...in any case, do I just sit tight, or is there a number I can call to expedite?
Mar 1, 2013, 4:15 pm
#97
Join Date: Sep 2012
Posts: 57
Did it
I started my first app-o-rama, applied for the business last night (had to call recon line) and insta-approved for personal today. I'm a CPA but don't have a real business and have no business income. I reported income of $500 and told them I was planning to do some consulting next year (didn't promise any income levels) and they approved me for the business with less than a minute of talking (put me on hold for 2 x 3 minutes though).
Mar 1, 2013, 7:43 pm
#98
Join Date: Apr 2012
Location: Bay Area, CA
Programs: AAdvantage, HHonors Diamond, WN RR A-list+
Posts: 584
Mar 2, 2013, 11:34 am
#99
Join Date: Dec 2007
Posts: 11
So the holdup was I have a chase ink card with a 24k limit...they said '59k is enough credit'...so I said drop the ink card credit...she says they don't drop ink credit...so I said fine, drop the new sw card to 25k and then give me 10k on the personal, and got approved.
Mar 4, 2013, 3:55 pm
#100
Join Date: Jan 2013
Programs: AMEX, WN, AA, DL, Hilton, Marriott
Posts: 34
Hello guys! First post here, thought I'll make it useful as a data point.
Applied for Personal and Business on different dates, I actually waited a few days in between and applied separately. Approved for personal instantly, Had to call recon line for biz, and they ended up splitting my Personal limit with the Biz card. I do have an actual history of selling online as a small side income for the past few years, so that did help I'm sure.
I also waited until the rejection letter arrived for the biz before I called recon, and then waited another week before I called to get the biz approved. When I called I didn't mention the letter, I just provided my info and asked to check on status. Even applying days apart, the rep told me the system still recognized my apps as the same application hence the initial rejection. Still, happy to get both cards!
Applied for Personal and Business on different dates, I actually waited a few days in between and applied separately. Approved for personal instantly, Had to call recon line for biz, and they ended up splitting my Personal limit with the Biz card. I do have an actual history of selling online as a small side income for the past few years, so that did help I'm sure.
I also waited until the rejection letter arrived for the biz before I called recon, and then waited another week before I called to get the biz approved. When I called I didn't mention the letter, I just provided my info and asked to check on status. Even applying days apart, the rep told me the system still recognized my apps as the same application hence the initial rejection. Still, happy to get both cards!
Mar 6, 2013, 9:27 am
#102
Moderator: Southwest Airlines, Capital One
Join Date: Sep 1999
Location: California
Programs: WN Companion Pass, A-list preferred, Hyatt Globalist; United Club Lietime (sic) Member
Posts: 21,621
You only need to spend $2500 if you buy Southwest tickets or Southwest gift cards.
Mar 6, 2013, 9:45 am
#103
Join Date: Jan 2013
Programs: UA 1K | MR Platinum
Posts: 492
UR points are the only transfers which are officially excluded from the CP qualification count. Carlson transfers are reportedly not counting toward CP, but that might be an error due to manual posting of those transfers.
You only need to spend $2500 if you buy Southwest tickets or Southwest gift cards.
You only need to spend $2500 if you buy Southwest tickets or Southwest gift cards.
Mar 6, 2013, 10:00 am
#104
Moderator: Southwest Airlines, Capital One
Join Date: Sep 1999
Location: California
Programs: WN Companion Pass, A-list preferred, Hyatt Globalist; United Club Lietime (sic) Member
Posts: 21,621
Also note that flying on Business Select fares is an attractive option. During the current promotion a member with no status who registers for the promo before booking earns 12 points per dollar of fare for Companion Qualification and 24 redeemable points per dollar. Approximately $450 of BS fare = 5k points.
The 24 points per dollar translate to a 40% effective rebate of the purchase price, so that $450 only costs you about $280 net after you account for the $170 of free travel you earned.
If you need to fly somewhere soon, buy the BS fare.
The 24 points per dollar translate to a 40% effective rebate of the purchase price, so that $450 only costs you about $280 net after you account for the $170 of free travel you earned.
If you need to fly somewhere soon, buy the BS fare.