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!
Sep 29, 2017, 2:25 pm
#3586
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: 21,622
I get pending every time. Then after they move some credit limit from other cards they approve it.
Sep 29, 2017, 2:27 pm
#3587
Join Date: Nov 2015
Location: St. Louis, MO
Programs: Southwest Companion Pass
Posts: 790
Just a quick data point: my wife applied today for the Plus card. Got the message that says they'll notify us within 30 days about the decision via U.S. postal mail. Surprising, considering she has a great income, but more so because she's had exactly one app before this one in the last 24 months (so way outside Chase's 5 apps within 24 months rule). Next most recent app with Chase was in ... 2014. So, really confused as to why she'd be in a decision pending status. Jedi Masters: given that we also wanted to apply for the Premier card so we can hit companion in short order, would you call the reconsideration line and ask what's up, or just apply for both and cross your fingers?
My experience with these pending decisions usually results in a denial, but that was back when we were first experiencing the 5/24 rule's reach. Since my wife's nowhere even close, wondering if there are other factors at play--perhaps the recent Equifax breach?
My experience with these pending decisions usually results in a denial, but that was back when we were first experiencing the 5/24 rule's reach. Since my wife's nowhere even close, wondering if there are other factors at play--perhaps the recent Equifax breach?
Sep 30, 2017, 8:23 am
#3588
Join Date: Aug 2014
Location: Sacramento, CA
Posts: 97
So total available credit seems to be $15K on the one Chase card she has open.
Either way, we'll be making a call to Chase to see what's up. I don't like rattling cages, but the time is getting nigh!
Oct 2, 2017, 8:19 pm
#3593
Join Date: Feb 2009
Posts: 6,605
The longer those 60K links remain active the more worried I become that Chase is going to change the rules starting 1/1/18.
It has never been this easy to get CP for ~ 23 months. In the past you always had to come up with another 6k CPQP
I HOPE I'm wrong !!
My wife was approved Friday, the card is not in her Chase online account. Did your card show up online after approval ? If not how did you send the SM ? Thanks
It has never been this easy to get CP for ~ 23 months. In the past you always had to come up with another 6k CPQP
I HOPE I'm wrong !!
My wife was approved Friday, the card is not in her Chase online account. Did your card show up online after approval ? If not how did you send the SM ? Thanks
Oct 2, 2017, 11:25 pm
#3594
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,189
Not only that, CP was good for only 14 months max IIRC, i.e. get it March 1 of year X and it was good until end of April year X+1.
Oct 3, 2017, 12:46 am
#3595
FlyerTalk Evangelist
Join Date: Dec 2002
Location: Danville, CA, USA;
Programs: UA 1MM, WN CP, Marriott LT Plat, Hilton Gold, IC Plat
Posts: 15,720
All 60k links still working as of midnight CDT.
Just applied for Personal card, and as usual received the "pending" notice so I will have to call recon tomorrow to answer the anti-fraud questions (doesn't everyone have to do this post-equifax?) and to re-allocate some credit lines (easy enough as I will soon be cancelling another card). I am waiting until Nov/Dec to apply for a 2nd card - even if the bonus drops to 50k or 40k I will still be close enough for CP.
I don't think it's particularly easy - very few people outside the FT and blogger community know about this CP strategy and even fewer will qualify due to the 5/24 rule which excludes serial churners. It is however a great opportunity for those of us who can meet the requirements.
It would be interesting to see some metrics on the cost of the average CP. I bet those who earn CP through BIS flying get far more use from CP than the credit card churners. And of course it incentivizes incremental revenue from CP owners.
Just applied for Personal card, and as usual received the "pending" notice so I will have to call recon tomorrow to answer the anti-fraud questions (doesn't everyone have to do this post-equifax?) and to re-allocate some credit lines (easy enough as I will soon be cancelling another card). I am waiting until Nov/Dec to apply for a 2nd card - even if the bonus drops to 50k or 40k I will still be close enough for CP.
It would be interesting to see some metrics on the cost of the average CP. I bet those who earn CP through BIS flying get far more use from CP than the credit card churners. And of course it incentivizes incremental revenue from CP owners.
Last edited by Boraxo; Oct 3, 2017 at 12:54 am
Oct 3, 2017, 1:11 am
#3596
Join Date: Feb 2009
Posts: 6,605
All 60k links still working as of midnight CDT.
Just applied for Personal card, and as usual received the "pending" notice so I will have to call recon tomorrow to answer the anti-fraud questions (doesn't everyone have to do this post-equifax?) and to re-allocate some credit lines (easy enough as I will soon be cancelling another card). I am waiting until Nov/Dec to apply for a 2nd card - even if the bonus drops to 50k or 40k I will still be close enough for CP.
I don't think it's particularly easy - very few people outside the FT and blogger community know about this CP strategy and even fewer will qualify due to the 5/24 rule which excludes serial churners. It is however a great opportunity for those of us who can meet the requirements.
It would be interesting to see some metrics on the cost of the average CP. I bet those who earn CP through BIS flying get far more use from CP than the credit card churners. And of course it incentivizes incremental revenue from CP owners.
Just applied for Personal card, and as usual received the "pending" notice so I will have to call recon tomorrow to answer the anti-fraud questions (doesn't everyone have to do this post-equifax?) and to re-allocate some credit lines (easy enough as I will soon be cancelling another card). I am waiting until Nov/Dec to apply for a 2nd card - even if the bonus drops to 50k or 40k I will still be close enough for CP.
I don't think it's particularly easy - very few people outside the FT and blogger community know about this CP strategy and even fewer will qualify due to the 5/24 rule which excludes serial churners. It is however a great opportunity for those of us who can meet the requirements.
It would be interesting to see some metrics on the cost of the average CP. I bet those who earn CP through BIS flying get far more use from CP than the credit card churners. And of course it incentivizes incremental revenue from CP owners.
There are facebook pages, sites like this and countless blogs dedicated to all this now, it's what ruined the TP last year.
I'm a serial churner but I had my wife stop getting cards in early 2016 when we first heard of 5/24. Any couple can easily do what we do and still get plenty of miles/points, it just takes planning. I will stop getting cards on 12/31/17 making sure I am only 3/24 on 10/1/2019 in case an offer like this pops up again.
We average ~ 6 R/T CP flights per year, 3 MSP/LAS and 3 MSP/TPA/RSW............add in maybe a one way BDL/MSP.
As far as revenue, we have never paid for a WN flight , all points going on 5 years now
As I said, I hope I'm wrong.
Last edited by flyer4512; Oct 3, 2017 at 1:17 am
Oct 3, 2017, 1:20 am
#3597
Join Date: Nov 2015
Location: St. Louis, MO
Programs: Southwest Companion Pass
Posts: 790
Oct 3, 2017, 1:25 am
#3598
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: 21,622
If the bonus didn't count toward Companion Pass the Southwest Visa would lose even more market share to the Sapphire cards. That could be mitigated by halting the ability to transfer UR points to Southwest, a move that would increase tension between Southwest and Chase. Gaming it out, Southwest's best option appears to be the status quo: some CP earning abuse but plenty of revenue from Chase. Besides, people who earn a CP become fans of Southwest and hopefully long-term paying customers.
Oct 3, 2017, 1:27 am
#3599
Join Date: Feb 2009
Posts: 6,605
5/24 will stop some but there are new people with few cards just entering this game every day.
Oct 3, 2017, 1:29 am
#3600
Join Date: Feb 2009
Posts: 6,605
If the bonus didn't count toward Companion Pass the Southwest Visa would lose even more market share to the Sapphire cards. That could be mitigated by halting the ability to transfer UR points to Southwest, a move that would increase tension between Southwest and Chase. Gaming it out, Southwest's best option appears to be the status quo: some CP earning abuse but plenty of revenue from Chase. Besides, people who earn a CP become fans of Southwest and hopefully long-term paying customers.
We earned our for first CP in 2014 and have yet to pay for a WN flight and are all set for years to come.
One hidden advantage of CP is it is allowing us to accumulate hundreds of thousands of AA miles via the mailers which we have no plans to use until we are out of WN points