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!
Feb 13, 2016, 1:43 pm
#3016
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,184
No. But doubt she is speeding up the bonus points by doing this.
Feb 13, 2016, 2:47 pm
#3017
Join Date: Aug 2014
Posts: 736
Advice from the gurus on next best step:
Current Chase Cards:
Sapphire Card (16k limit)
Chase Ink Biz (11k limit)
Southwest Premier Personal (32k) just approved
Applied two weeks ago for the Southwest Premier, went to pending, got a letter turns out they just wanted to check address and approved me instantly for 32k today and account shows up on internet banking, card itself should arrive in 2-3 days.
Next step is to apply for the Business Premier for CP.
- should I wait? or could I apply now
- should I try to reduce my credit line of 32k to "make room" for an online approval
I'm also conscious of the supposed intro of the 5/24 rule to co-branded cards thats coming soon. I would break the 5/24 rule
What would the experts do? Would really appreciate some guidance!
Current Chase Cards:
Sapphire Card (16k limit)
Chase Ink Biz (11k limit)
Southwest Premier Personal (32k) just approved
Applied two weeks ago for the Southwest Premier, went to pending, got a letter turns out they just wanted to check address and approved me instantly for 32k today and account shows up on internet banking, card itself should arrive in 2-3 days.
Next step is to apply for the Business Premier for CP.
- should I wait? or could I apply now
- should I try to reduce my credit line of 32k to "make room" for an online approval
I'm also conscious of the supposed intro of the 5/24 rule to co-branded cards thats coming soon. I would break the 5/24 rule
What would the experts do? Would really appreciate some guidance!
Feb 13, 2016, 7:59 pm
#3018
Join Date: Jan 2014
Posts: 22
Will I apply now? or maybe wait a couple of days for the credit reduction to work its way through various underwriting systems inside of Chase?
Feb 14, 2016, 9:31 am
#3020
Join Date: Aug 2014
Posts: 736
I've found that it works the day. For example, if I'm applying for two cards in one day I'll reduce the first limit in the morning, apply for first card, reduce the limit on another card, and then apply for second card.
Feb 15, 2016, 6:45 am
#3023
Join Date: Aug 2014
Posts: 736
There are no 50k links for the Plus, the only links are 25k. To get the 50k plus you need a phone referral.
Feb 18, 2016, 2:07 am
#3025
Join Date: Oct 2009
Posts: 58
Does anyone know if the terms attached to current Plus referral offers exclude those who have received the bonus before? I had both cards in the past, and received the bonuses more than 24 months ago. I'm looking to get both bonuses again, if possible.
Feb 18, 2016, 6:44 am
#3026
Join Date: Feb 2016
Posts: 5
Denied for business card for too many accounts
Last week I applied for the personal premier card and then the business card. Immediate approval on the personal card with $24,000 credit limit and pending on business card, but just got rejection letter for too many accounts open. I don't have ANY other chase cards so apparently two is too many?
I called and got no help from cs about how long to wait to try again. It's annoying because I really do have my own business and also want the companion pass. Has anyone else had this issue and I what can I do to get business card approval? How long do you typically have to wait to try again? If I call and lower my credit line how long before trying again?
I called and got no help from cs about how long to wait to try again. It's annoying because I really do have my own business and also want the companion pass. Has anyone else had this issue and I what can I do to get business card approval? How long do you typically have to wait to try again? If I call and lower my credit line how long before trying again?
Feb 18, 2016, 7:11 am
#3027
Join Date: Feb 2014
Posts: 921
Last week I applied for the personal premier card and then the business card. Immediate approval on the personal card with $24,000 credit limit and pending on business card, but just got rejection letter for too many accounts open. I don't have ANY other chase cards so apparently two is too many?
I called and got no help from cs about how long to wait to try again. It's annoying because I really do have my own business and also want the companion pass. Has anyone else had this issue and I what can I do to get business card approval? How long do you typically have to wait to try again? If I call and lower my credit line how long before trying again?
I called and got no help from cs about how long to wait to try again. It's annoying because I really do have my own business and also want the companion pass. Has anyone else had this issue and I what can I do to get business card approval? How long do you typically have to wait to try again? If I call and lower my credit line how long before trying again?
Feb 18, 2016, 7:16 am
#3028
Join Date: Aug 2014
Posts: 736
If you receivedd the bonus more than 24 months ago you can apply again, but you'll need to close your current card first if it's still open.
Feb 18, 2016, 7:27 am
#3029
Join Date: Aug 2015
Posts: 6
Last week I applied for the personal premier card and then the business card. Immediate approval on the personal card with $24,000 credit limit and pending on business card, but just got rejection letter for too many accounts open. I don't have ANY other chase cards so apparently two is too many?
I called and got no help from cs about how long to wait to try again. It's annoying because I really do have my own business and also want the companion pass. Has anyone else had this issue and I what can I do to get business card approval? How long do you typically have to wait to try again? If I call and lower my credit line how long before trying again?
I called and got no help from cs about how long to wait to try again. It's annoying because I really do have my own business and also want the companion pass. Has anyone else had this issue and I what can I do to get business card approval? How long do you typically have to wait to try again? If I call and lower my credit line how long before trying again?
Feb 18, 2016, 9:55 am
#3030
Join Date: Feb 2016
Posts: 5
If I close some of those accounts would it be more likely to be approved for the business card?