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!
Nov 17, 2018, 7:09 pm
#4111
Join Date: Feb 2009
Posts: 6,599
Note that there is always an opportunity cost for bonuses. This becomes significant when the spend requirement is high. For example
- The standard offer is 40,000 points for a $1,000 spend. The annual fee is $69. You could instead spend that money on a 2% cash back card and receive $20 for it. So,are the 40K points worth more than $89? Probably yes.
- That standard offer provides and extra 20K points when you spend and extra $12,000. That $12,000 spend would get you $240 on a 2% card. So are those extra 20K points worth the $240? Hmm.
- The 50,000 points offer requires spending $2,000. That $2,000 would net you $40 on a 2% cash back card. The extra 10,000 points over the initial bonus for the standard offer costs an extra $20 that you would get using a 2% cash back card. Worth it? Probably, but it depends on the dollar vs. points cost for the ticket you are buying.
- Note that income taxes are not involved with these calculations
When you spend $$ on a card whether it be $1K, $2K or and extra $11k you earn points on that spend so the points earned should be 41K, 52k and an extra 31K WN Points on the 40K card with the $12K spend
Your calculations are also missing a possible much BIGGER factor, combining 2 cards can bring companion pass and UNLIMITED flights for a second person for ~ 23 months if timed correctly.
In the past 24 months we have used CP 15 times, at a very conservative 25K points per R/T that is ~ 375,000 Southwest points saved.
Last edited by flyer4512; Nov 17, 2018 at 7:19 pm
Nov 17, 2018, 8:05 pm
#4112
FlyerTalk Evangelist
Join Date: Nov 2000
Location: Nashville -Past DL Plat, FO, WN-CP, various hotel programs
Programs: DL-MM, AA, SW w/companion,HiltonDiamond, Hyatt PLat, IHF Plat, Miles and Points Seeker
Posts: 11,072
But - Spend a few thousand and getting points on those miles AND get 50,000 is nothing to gloss over. In our case, we have the CP based on two credit cards and have taken at least 15 flights this year. Some are with points. All of the companion only cost $5.60 each.
Side note - and trying not to be rude - but why does someone that does NOT fly Southwest even happen to post here?
Nov 18, 2018, 1:37 pm
#4113
Original Member
Join Date: May 1998
Posts: 2,505
I think my intro page for my website below explains this. The website is my retirement project. I offer the information in the belief that travel is the key to intercultural understanding, and thus perhaps to world peace.
Last edited by pgary; Nov 18, 2018 at 1:45 pm
Nov 18, 2018, 1:43 pm
#4114
Original Member
Join Date: May 1998
Posts: 2,505
I agree that I should have incorporated the points earned for the purchases. I actually woke up last night thinking of this.
I will wait until this discussion ends to update the info on this on my website. Thanks to all for your participation. The basic message is important - there is an opportunity cost for credit cards with a spend requirement, and it is quite significant for large spend requirement.
I will wait until this discussion ends to update the info on this on my website. Thanks to all for your participation. The basic message is important - there is an opportunity cost for credit cards with a spend requirement, and it is quite significant for large spend requirement.
Nov 18, 2018, 9:07 pm
#4115
Join Date: Feb 2009
Posts: 6,599
I agree that I should have incorporated the points earned for the purchases. I actually woke up last night thinking of this.
I will wait until this discussion ends to update the info on this on my website. Thanks to all for your participation. The basic message is important - there is an opportunity cost for credit cards with a spend requirement, and it is quite significant for large spend requirement.
I will wait until this discussion ends to update the info on this on my website. Thanks to all for your participation. The basic message is important - there is an opportunity cost for credit cards with a spend requirement, and it is quite significant for large spend requirement.
Yes but no other credit card provides an opportunity to be worth MUCH more if you use the cards to get Companion Pass.
Most people on this forum who get 2 Southwest cards are doing so to get Companion Pass which can EASILY Double the value of the miles and then some.
Nov 18, 2018, 9:18 pm
#4116
Join Date: May 2014
Posts: 1,868
FWIW, the companion pass is so valuable to me that I will, essentially, be buying 38k RR points in order to earn the pass. For someone trying to earn the pass, the ability to 'purchase' 20k points for $240 is a heck of a deal. I'll be paying something like two cents each - and consider that to be well worth it, considering how much value we get out of the CP.
Nov 19, 2018, 5:32 am
#4117
FlyerTalk Evangelist
Join Date: Nov 2000
Location: Nashville -Past DL Plat, FO, WN-CP, various hotel programs
Programs: DL-MM, AA, SW w/companion,HiltonDiamond, Hyatt PLat, IHF Plat, Miles and Points Seeker
Posts: 11,072
I just looked at your website. Quite a significant project on your behalf. I would suggest others visit it.
Side comment which is rather obvious but often overlooked by others. What is the Companion Pass worth? Answer - nobody can tell you as it all depends on how often you use it. For us, it is a great deal. For some others... not so much.
Nov 19, 2018, 1:51 pm
#4118
Original Member
Join Date: May 1998
Posts: 2,505
OK. Now I am confused. Doesn't the Companion Pass require 110,000 points in 1 year? So how does 60K + 12K for the spend get you there? Aren't most of you getting the Companion Pass by getting both the personal and the business card? If so, the standard 60K offer for the business card and the 50K offer for the personal card gets you there without the mega spend.
Please unconfuse me. My readers will appreciate it.
Please unconfuse me. My readers will appreciate it.
Nov 19, 2018, 4:28 pm
#4119
Join Date: Feb 2009
Posts: 6,599
OK. Now I am confused. Doesn't the Companion Pass require 110,000 points in 1 year? So how does 60K + 12K for the spend get you there? Aren't most of you getting the Companion Pass by getting both the personal and the business card? If so, the standard 60K offer for the business card and the 50K offer for the personal card gets you there without the mega spend.
Please unconfuse me. My readers will appreciate it.
Please unconfuse me. My readers will appreciate it.
The public offer is 40K for spending $1K then another 20K points for spending an extra $11K.
Why don't you just direct your readers to a forum that specializes in Southwest ?
Nov 19, 2018, 4:37 pm
#4120
Join Date: Feb 2009
Posts: 6,599
FWIW, the companion pass is so valuable to me that I will, essentially, be buying 38k RR points in order to earn the pass. For someone trying to earn the pass, the ability to 'purchase' 20k points for $240 is a heck of a deal. I'll be paying something like two cents each - and consider that to be well worth it, considering how much value we get out of the CP.
I don't think Points you buy from Southwest count towards Companion Pass. Do you mean you are going to MS 38,000 points ?
To qualify for a Companion Pass, you will need to earn 110,000 Companion Pass qualifying points or fly 100 Southwest Airlines® qualifying one-way flights per calendar year. Points must be earned and posted to your Rapid Rewards® account prior to the end of the calendar year in order to count toward Companion Pass qualification. A one-way qualification flight is defined as a one-way revenue trip on Southwest Airlines from an origin city to a destination city, including any intermediate stops and/or connections on Southwest Airlines. Companion Pass qualifying points are earned from your revenue flights booked through Southwest Airlines, your points earned by making purchases with a Southwest Rapid Rewards® Credit Card, and your base points earned from Rapid Rewards partners. Purchased points, points transferred between Members, points converted from hotel and car loyalty programs, and e-Rewards, e-Miles, Valued Opinions, and Diners Club, points earned from program enrollment, tier bonus points, flight bonus points, and partner bonus points (with the exception of the Rapid Rewards Credit Cards from Chase) do not qualify as Companion Pass qualifying points.
Last edited by flyer4512; Nov 19, 2018 at 4:51 pm
Nov 19, 2018, 7:53 pm
#4121
Join Date: May 2014
Posts: 1,868
I don't think Points you buy from Southwest count towards Companion Pass. Do you mean you are going to MS 38,000 points ?
To qualify for a Companion Pass, you will need to earn 110,000 Companion Pass qualifying points or fly 100 Southwest Airlines® qualifying one-way flights per calendar year. Points must be earned and posted to your Rapid Rewards® account prior to the end of the calendar year in order to count toward Companion Pass qualification. A one-way qualification flight is defined as a one-way revenue trip on Southwest Airlines from an origin city to a destination city, including any intermediate stops and/or connections on Southwest Airlines. Companion Pass qualifying points are earned from your revenue flights booked through Southwest Airlines, your points earned by making purchases with a Southwest Rapid Rewards® Credit Card, and your base points earned from Rapid Rewards partners. Purchased points, points transferred between Members, points converted from hotel and car loyalty programs, and e-Rewards, e-Miles, Valued Opinions, and Diners Club, points earned from program enrollment, tier bonus points, flight bonus points, and partner bonus points (with the exception of the Rapid Rewards Credit Cards from Chase) do not qualify as Companion Pass qualifying points.
To qualify for a Companion Pass, you will need to earn 110,000 Companion Pass qualifying points or fly 100 Southwest Airlines® qualifying one-way flights per calendar year. Points must be earned and posted to your Rapid Rewards® account prior to the end of the calendar year in order to count toward Companion Pass qualification. A one-way qualification flight is defined as a one-way revenue trip on Southwest Airlines from an origin city to a destination city, including any intermediate stops and/or connections on Southwest Airlines. Companion Pass qualifying points are earned from your revenue flights booked through Southwest Airlines, your points earned by making purchases with a Southwest Rapid Rewards® Credit Card, and your base points earned from Rapid Rewards partners. Purchased points, points transferred between Members, points converted from hotel and car loyalty programs, and e-Rewards, e-Miles, Valued Opinions, and Diners Club, points earned from program enrollment, tier bonus points, flight bonus points, and partner bonus points (with the exception of the Rapid Rewards Credit Cards from Chase) do not qualify as Companion Pass qualifying points.
Nov 20, 2018, 8:57 am
#4122
Join Date: Apr 2012
Posts: 37
But am I correct that since I got these cards (and the bonus) 7 years ago I am eligible for the bonus, even though I only canceled the personal one 8 months ago?
Also, should I apply for the 2 cards at the same time, or is it okay to leave a month or 2 in between? I'd like to meet the minimum spend on one before I get the second one. But I want to make sure I get approved for both of them - what's the best approach?
I was also hoping for opinions on which personal card I should get, since I only fly 2-3 times a year.
Yes, for the amount of flying I do, it might not seem worth it to get the companion pass. But the last time I had it, I definitely felt like it was worth the effort (and when I have it, I do plan more trips than I might otherwise. Hopefully Hawaii!) And with the 110,000 points, I'm able to keep flying for several years. Out of all the cards I have (or had), I feel that I've gotten the most out of SW.
Thanks,
JoAnne
Nov 20, 2018, 11:53 am
#4123
Join Date: Aug 2004
Posts: 25
Reapply timelines
Appreciate feedback from others who have successfully gotten another round of chase points. My last bonus was dated 2/10/2017. Should I wait until that date has passed to reapply for the card, or can I apply in Dec / Jan and start trying to get the spend without crossing over it until 2/10? Thanks again for the help!
Nov 20, 2018, 3:35 pm
#4125
Join Date: Feb 2009
Posts: 6,599
Yes, I will have to spend $10,000.
But am I correct that since I got these cards (and the bonus) 7 years ago I am eligible for the bonus, even though I only canceled the personal one 8 months ago?
Also, should I apply for the 2 cards at the same time, or is it okay to leave a month or 2 in between? I'd like to meet the minimum spend on one before I get the second one. But I want to make sure I get approved for both of them - what's the best approach?
I was also hoping for opinions on which personal card I should get, since I only fly 2-3 times a year.
Yes, for the amount of flying I do, it might not seem worth it to get the companion pass. But the last time I had it, I definitely felt like it was worth the effort (and when I have it, I do plan more trips than I might otherwise. Hopefully Hawaii!) And with the 110,000 points, I'm able to keep flying for several years. Out of all the cards I have (or had), I feel that I've gotten the most out of SW.
Thanks,
JoAnne
But am I correct that since I got these cards (and the bonus) 7 years ago I am eligible for the bonus, even though I only canceled the personal one 8 months ago?
Also, should I apply for the 2 cards at the same time, or is it okay to leave a month or 2 in between? I'd like to meet the minimum spend on one before I get the second one. But I want to make sure I get approved for both of them - what's the best approach?
I was also hoping for opinions on which personal card I should get, since I only fly 2-3 times a year.
Yes, for the amount of flying I do, it might not seem worth it to get the companion pass. But the last time I had it, I definitely felt like it was worth the effort (and when I have it, I do plan more trips than I might otherwise. Hopefully Hawaii!) And with the 110,000 points, I'm able to keep flying for several years. Out of all the cards I have (or had), I feel that I've gotten the most out of SW.
Thanks,
JoAnne
I would apply for this 50K personal card today as you never know when the link may die...........if you read back a few days on the thread people are saying even though there is no landing page it is a 50K link. Complete the spend in 2019 and then get the business card (60K) and you will have 115K CPQP for spending $5K
https://applynow.chase.com/FlexAppWe...PV5&PROMO=DF01
Last edited by flyer4512; Nov 20, 2018 at 8:20 pm