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!
Jan 3, 2019, 12:33 am
#4216
Join Date: Dec 2018
Posts: 3
Just applied using the link on 4094, was instantly approved. Called and confirmed it was 50k bonus after 2k spend. Thanks everyone! Will be getting my CP soon! Any tips on getting the most out of it are appreciated.
Jan 4, 2019, 8:38 am
#4217
Join Date: Nov 2018
Programs: World of Hyatt, Southwest Rapid Rewards, Chase Rewards
Posts: 3
When do sign up bonus points generally post, particularly at the start of a new year? Signed up for the SWA Business card and completed the $3K spend, with the first statement posting on 1/1/19 (shew!). Around 4K in spend points showed up in my RR account today (1/4/19). I assumed the 60K sign up bonus points would join them. Does the sign up bonus some times lag behind? With all the posts about bonus points associated with minimum spend posting immediately in December, I'm worried that I somehow screwed something up. Thanks!
Jan 4, 2019, 8:43 am
#4218
Join Date: May 2002
Location: St Louis, MO
Programs: AA L.T. PLT
Posts: 3,281
Jan 4, 2019, 8:47 am
#4219
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
When do sign up bonus points generally post, particularly at the start of a new year? Signed up for the SWA Business card and completed the $3K spend, with the first statement posting on 1/1/19 (shew!). Around 4K in spend points showed up in my RR account today (1/4/19). I assumed the 60K sign up bonus points would join them. Does the sign up bonus some times lag behind? With all the posts about bonus points associated with minimum spend posting immediately in December, I'm worried that I somehow screwed something up. Thanks!
Jan 4, 2019, 8:47 am
#4220
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,192
When do sign up bonus points generally post, particularly at the start of a new year? Signed up for the SWA Business card and completed the $3K spend, with the first statement posting on 1/1/19 (shew!). Around 4K in spend points showed up in my RR account today (1/4/19). I assumed the 60K sign up bonus points would join them. Does the sign up bonus some times lag behind? With all the posts about bonus points associated with minimum spend posting immediately in December, I'm worried that I somehow screwed something up. Thanks!
Bonus points come only if you completed spend 5-7 days ahead of statement drop. Well documented here.
Jan 4, 2019, 10:44 am
#4221
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
1 - As to spend prior to 1/1 - you have to wait until the next statement date. That could be a few days, or could be almost a month. But to say a month... not exactly true.
2 - Points come when the charge hits prior to or on the statement close. Not 5-7 days. Not 1 day. Not 20 days. They hit when the statement/billing period closes. Statement CLOSING is what counts, even if you can not see the statement for another day or two. To tell anyone 5-7 days is just not accurate.
3 - And, I will add - pending charges will not show until the next statement. I was looking at my online acct this morning for example, and I have things from a few days ago that are still pending. If my statement closed last night, they would not be included.
And the term SPEND can be misleading. Only a fully processed charge before the statement processing counts. Not spend, not pending, etc.
Jan 4, 2019, 4:34 pm
#4222
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,192
Sorry, but that is vague and even could be dangerous information.
1 - As to spend prior to 1/1 - you have to wait until the next statement date. That could be a few days, or could be almost a month. But to say a month... not exactly true.
2 - Points come when the charge hits prior to or on the statement close. Not 5-7 days. Not 1 day. Not 20 days. They hit when the statement/billing period closes. Statement CLOSING is what counts, even if you can not see the statement for another day or two. To tell anyone 5-7 days is just not accurate.
3 - And, I will add - pending charges will not show until the next statement. I was looking at my online acct this morning for example, and I have things from a few days ago that are still pending. If my statement closed last night, they would not be included.
And the term SPEND can be misleading. Only a fully processed charge before the statement processing counts. Not spend, not pending, etc.
1 - As to spend prior to 1/1 - you have to wait until the next statement date. That could be a few days, or could be almost a month. But to say a month... not exactly true.
2 - Points come when the charge hits prior to or on the statement close. Not 5-7 days. Not 1 day. Not 20 days. They hit when the statement/billing period closes. Statement CLOSING is what counts, even if you can not see the statement for another day or two. To tell anyone 5-7 days is just not accurate.
3 - And, I will add - pending charges will not show until the next statement. I was looking at my online acct this morning for example, and I have things from a few days ago that are still pending. If my statement closed last night, they would not be included.
And the term SPEND can be misleading. Only a fully processed charge before the statement processing counts. Not spend, not pending, etc.
And if your 1/1 statement drops (which is what I read that post as saying) and you do not get the signup bonus then, you are waiting until 2/1 to get it. Unless they changed the procedure.
This all assumes that you dont get an extra mid-month statement dropped on you early in the accounts life, which people have reported happening.
Your comment about posting/pending is correct.
And of course, little is absolutely guaranteed here. Chases computers have been known to do odd things.
Last edited by toomanybooks; Jan 4, 2019 at 4:44 pm
Jan 5, 2019, 2:54 pm
#4224
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
It is WELL documented here, going back years, that you cannot necessarily complete minimum spend for the signup bonus a couple days before your applicable statement drops. 5-7 days has been reported as normally required. As I recall, though I have not looked recently, 5-6 may be more accurate. And weekend days can move things a bit.
...
...
A "spend" can become a transaction 1 day before the statement closing date. And, a spend can be two weeks old before it hits. Bottom line, the spend has to be completed within Chases computers prior to when they close out that account. In general, a few days works fine, but the point is, nobody should even begin to feel safe counting days. A better statement is something like: " You charge must clear prior to your statement closing. Generally this covers transactions 5-6 days before your closing, but not always."
To count it has to:
processed by the vendor
move from pending to completed
be prior to when chase runs their closing statement
P.S. - The term spend means different things to many people. Often people think that swiping the card is their spend and it should count that day. Sometimes it does, sometimes it does not. It is a dangerous term for anyone working to meet their "spend" by a certain date. (yea, I used that word again)
Jan 6, 2019, 9:40 am
#4225
Join Date: Jul 2001
Posts: 3,975
I have current documentation with another Chase card (Iberia) that the amount charged in the first two statements, minus the annual fee, with a big amount posting at the end, was over the target amount for the opening bonus but the bonus didn't post. I saw big charges pending on the morning of the closing date, and had mixed feelings about whether I wanted those charges to wait to be part of the following statement, or get the bonus, and I got the worst of both worlds. The combined points of the first two statements (all at one point per dollar) were over 3000, but there was no 50K bonus, and I expect that bonus on the next statement, based on the reports I've seen about Chase practice mostly on Southwest board discussions.
Jan 7, 2019, 7:56 am
#4226
Join Date: Feb 2015
Posts: 42
Another data point for everyone (mainly on my poor timing):
Card opened around Thanksgiving
$3,071 in spending for business card completed on 1/2/19
Statement closed on 1/5/19
Only 3,071 points appearing on my statement (no bonus)
It stinks that I have to wait another month, but thank you all for the data points letting me know I'm not SOL.
Card opened around Thanksgiving
$3,071 in spending for business card completed on 1/2/19
Statement closed on 1/5/19
Only 3,071 points appearing on my statement (no bonus)
It stinks that I have to wait another month, but thank you all for the data points letting me know I'm not SOL.
Last edited by Markemark; Jan 7, 2019 at 7:57 am Reason: Incorrect dollar amounts
Jan 7, 2019, 1:33 pm
#4227
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
Another data point for everyone (mainly on my poor timing):
Card opened around Thanksgiving
$3,071 in spending for business card completed on 1/2/19
Statement closed on 1/5/19
Only 3,071 points appearing on my statement (no bonus)
It stinks that I have to wait another month, but thank you all for the data points letting me know I'm not SOL.
Card opened around Thanksgiving
$3,071 in spending for business card completed on 1/2/19
Statement closed on 1/5/19
Only 3,071 points appearing on my statement (no bonus)
It stinks that I have to wait another month, but thank you all for the data points letting me know I'm not SOL.
It would make sense that a special computer run might be made to look for folks reaching the spend level. Maybe that process has changed a bit and your statement missed the run/process. I know both of ours hit on the correct statement last Jan/Feb.
Jan 7, 2019, 2:48 pm
#4228
Join Date: Feb 2009
Posts: 6,606
Another data point for everyone (mainly on my poor timing):
Card opened around Thanksgiving
$3,071 in spending for business card completed on 1/2/19
Statement closed on 1/5/19
Only 3,071 points appearing on my statement (no bonus)
It stinks that I have to wait another month, but thank you all for the data points letting me know I'm not SOL.
Card opened around Thanksgiving
$3,071 in spending for business card completed on 1/2/19
Statement closed on 1/5/19
Only 3,071 points appearing on my statement (no bonus)
It stinks that I have to wait another month, but thank you all for the data points letting me know I'm not SOL.
Was the spend complete ( charges made) on 1/2/19 or did the spend POST to Chase on 1/2/19 ? It the spend was made 1/2/19 and the card closed 1/5/19 it's not a surprise that those PENDING charges from 1/2/19 did not POST in time to trigger the bonus 3 days after the purchases were made.
Jan 7, 2019, 5:36 pm
#4229
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
Was the spend complete ( charges made) on 1/2/19 or did the spend POST to Chase on 1/2/19 ? It the spend was made 1/2/19 and the card closed 1/5/19 it's not a surprise that those PENDING charges from 1/2/19 did not POST in time to trigger the bonus 3 days after the purchases were made.
So, nothing pending or missing.
Jan 7, 2019, 5:53 pm
#4230
Join Date: Mar 2011
Posts: 6,286
Was the spend complete ( charges made) on 1/2/19 or did the spend POST to Chase on 1/2/19 ? It the spend was made 1/2/19 and the card closed 1/5/19 it's not a surprise that those PENDING charges from 1/2/19 did not POST in time to trigger the bonus 3 days after the purchases were made.
Operationally, I suspect that a sweep to verify that the specific offer threshold has been achieved happens, vs a point total automatically triggering the bonus. But why that would not occur at the specific account closing date (or even every overnight) is beyond me.