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!
Jan 8, 2015, 4:35 pm
#1936
Suspended
Join Date: Dec 2013
Posts: 632
Question for you guys regarding timing on CP issuance - I was thinking of applying for the Personal Plus card now and getting 50k points, mostly since I think they'll end up discontinuing it, and then trying to time either a personal or a business for the end of the year so that I could get the pass starting in 2016. How would I have to time that? make sure that my statement closed in December and it'll get issued in January? Is that even workable with them?
Jan 8, 2015, 4:43 pm
#1937
Join Date: Feb 2004
Programs: IHG Spire Elite; Hyatt Platinum; SPG Preferred+; Club Carlson Gold; SW CP
Posts: 674
Question for you guys regarding timing on CP issuance - I was thinking of applying for the Personal Plus card now and getting 50k points, mostly since I think they'll end up discontinuing it, and then trying to time either a personal or a business for the end of the year so that I could get the pass starting in 2016. How would I have to time that? make sure that my statement closed in December and it'll get issued in January? Is that even workable with them?
Jan 8, 2015, 4:45 pm
#1938
Join Date: Dec 2014
Location: DFW
Programs: SPG Gold, SW Companion Pass, Hilton Gold
Posts: 128
Question for you guys regarding timing on CP issuance - I was thinking of applying for the Personal Plus card now and getting 50k points, mostly since I think they'll end up discontinuing it, and then trying to time either a personal or a business for the end of the year so that I could get the pass starting in 2016. How would I have to time that? make sure that my statement closed in December and it'll get issued in January? Is that even workable with them?
In order to get the CP starting in 2016, you would have to earn 110,000 all in the year 2016, so I would not apply for the card now if that is your plan. I would wait until about November 2015 (as long as they have the 50k bonuses at that time) and meet the spending requirements in January 2016 to get the pass for 2016 and 2017. Just my opinion.
Jan 8, 2015, 5:36 pm
#1939
Join Date: Feb 2009
Posts: 6,608
Question for you guys regarding timing on CP issuance - I was thinking of applying for the Personal Plus card now and getting 50k points, mostly since I think they'll end up discontinuing it, and then trying to time either a personal or a business for the end of the year so that I could get the pass starting in 2016. How would I have to time that? make sure that my statement closed in December and it'll get issued in January? Is that even workable with them?
Keep your Chase card history to a minimum from now until November to possibly improve your odds.
Unless you have a flight you need CP for in January or February 2016 I recommend changing your closing date to the 20th of each month.
Make the entire $2k spend on each card after the December (20th) statement closes and before Jan 14th and you should have 104K towards CP in mid/late January 2016
I just got a Wyndham 45K card and plan on saving 30K points to transfer to SW in 2016 for the final 6k points on my 2016/2017 CP
Jan 8, 2015, 7:51 pm
#1940
Join Date: Feb 2004
Programs: IHG Spire Elite; Hyatt Platinum; SPG Preferred+; Club Carlson Gold; SW CP
Posts: 674
This is my plan for 2016/2017 CP. You want to apply around mid November 2015 for both cards, the business card will be the hardest to get so I would try that card first.
Keep your Chase card history to a minimum from now until November to possibly improve your odds.
Unless you have a flight you need CP for in January or February 2016 I recommend changing your closing date to the 20th of each month.
Make the entire $2k spend on each card after the December (20th) statement closes and before Jan 14th and you should have 104K towards CP in mid/late January 2016
I just got a Wyndham 45K card and plan on saving 30K points to transfer to SW in 2016 for the final 6k points on my 2016/2017 CP
Keep your Chase card history to a minimum from now until November to possibly improve your odds.
Unless you have a flight you need CP for in January or February 2016 I recommend changing your closing date to the 20th of each month.
Make the entire $2k spend on each card after the December (20th) statement closes and before Jan 14th and you should have 104K towards CP in mid/late January 2016
I just got a Wyndham 45K card and plan on saving 30K points to transfer to SW in 2016 for the final 6k points on my 2016/2017 CP
Jan 8, 2015, 8:30 pm
#1941
Join Date: Feb 2009
Posts: 6,608
Not that there is anything you can do about it but I won't be shocked if 2015 is the last year SW issues companion passes, partially because of their increasing international travel. Even if they don't end the companion pass they could stop counting credit card bonuses towards it.
I have CP until 12/31/2015 but any hint of it being eliminated or going up in points would make me get CP in 2015 thus qualifying for 2016.
I have enough Wyndham and UR points to get CP again now but obviously I would rather do it via 2 credit card bonuses and a small transfer and have it for 2 more years vs 1 year
Jan 8, 2015, 8:46 pm
#1942
Join Date: Feb 2004
Programs: IHG Spire Elite; Hyatt Platinum; SPG Preferred+; Club Carlson Gold; SW CP
Posts: 674
Jan 8, 2015, 8:53 pm
#1943
Join Date: Sep 2013
Location: Denver, CO
Posts: 35
I am planning to apply for both cards tomorrow, does it matter what order i do them in? I only have one other biz card (ink which i got 6/14) and 2 personal (CSP 9/13 and Hyatt 6/14)
Also any reason to apply for the personal premier over the plus if i dont care about the TQM?
Thanks for all the help!
Also any reason to apply for the personal premier over the plus if i dont care about the TQM?
Thanks for all the help!
Jan 8, 2015, 9:10 pm
#1944
Join Date: Feb 2004
Programs: IHG Spire Elite; Hyatt Platinum; SPG Preferred+; Club Carlson Gold; SW CP
Posts: 674
I am planning to apply for both cards tomorrow, does it matter what order i do them in? I only have one other biz card (ink which i got 6/14) and 2 personal (CSP 9/13 and Hyatt 6/14)
Also any reason to apply for the personal premier over the plus if i dont care about the TQM?
Thanks for all the help!
Also any reason to apply for the personal premier over the plus if i dont care about the TQM?
Thanks for all the help!
I did Personal Plus first and then about a month later applied for Personal Premier. I used the "no FTF" justification to get the reconsideration agent to approve my Personal Premier app.
For most people just looking to get CP, the Plus is the way to go (if you're going to do one personal and one business card).
Jan 8, 2015, 9:17 pm
#1945
Join Date: May 2010
Posts: 943
Since these 50K offers come around a few times per year, I'm also considering applying for one personal card now, and another personal card later. Any issues with Chase approving the Premier and Plus to get the 100K?
Which one is best to get first?
Which one is best to get first?
Jan 8, 2015, 9:55 pm
#1946
Join Date: Feb 2009
Posts: 6,608
They make crazy cash on Credit cards, annual fees, merchant fees and a lot of people ( not me or people on this forum) do pay interest.
Right off the bat they get at least $69 per card ($138) plus the fees they charges on $4,000 to merchants plus you still need to earn 6,000 more CPQP.
I have also heard the plus business card is no more so it's $168 plus fees going forward.
Bus card will probably be harder to get so I would try for that card first. GL
Last edited by flyer4512; Jan 8, 2015 at 10:02 pm
Jan 8, 2015, 9:57 pm
#1947
Join Date: May 2010
Location: WAS
Programs: Lotz
Posts: 1,535
One other reason to go for premier over plus: If you're going to be making a lot for foreign purchases. The Premier has no FTF but the Plus does.
I did Personal Plus first and then about a month later applied for Personal Premier. I used the "no FTF" justification to get the reconsideration agent to approve my Personal Premier app.
For most people just looking to get CP, the Plus is the way to go (if you're going to do one personal and one business card).
I did Personal Plus first and then about a month later applied for Personal Premier. I used the "no FTF" justification to get the reconsideration agent to approve my Personal Premier app.
For most people just looking to get CP, the Plus is the way to go (if you're going to do one personal and one business card).
Jan 8, 2015, 10:09 pm
#1949
Join Date: Feb 2004
Programs: IHG Spire Elite; Hyatt Platinum; SPG Preferred+; Club Carlson Gold; SW CP
Posts: 674
Then I'll use UR and Wyndham transfers for 1 more year.
They make crazy cash on Credit cards, annual fees, merchant fees and a lot of people ( not me or people on this forum) do pay interest.
Right off the bat they get at least $69 per card ($138) plus the fees they charges on $4,000 to merchants. I have also heard the plus business card is n more so it's $168 plus fees going forward.
They make crazy cash on Credit cards, annual fees, merchant fees and a lot of people ( not me or people on this forum) do pay interest.
Right off the bat they get at least $69 per card ($138) plus the fees they charges on $4,000 to merchants. I have also heard the plus business card is n more so it's $168 plus fees going forward.
Yes, Chase makes a lot of money off the credit cards. I believe Southwest is the entity currently "losing" money when the points they sell end up getting customers twice as many awards as expected (companion pass). At some point, as more and more people use this approach to get companion pass, Southwest will change the rules for CP acquisition (e.g. credit card points don't count) or raise the price they charge Chase for RR points. If it's the latter, Chase will either stop carrying the Southwest card (unlikely) or more likely make it a lot harder to get multiple SW cards within a year. All speculation by me, based on the apparent increase in use of this approach to get CP.
Jan 8, 2015, 10:17 pm
#1950
Join Date: Dec 2002
Location: San Francisco
Posts: 6,445
Points Not Showing As Qualifying Points?
I applied for and was approved for two personal cards in November. First statement close date on both cards was 1/1.
Not wanting to make any mistakes, I deliberately held off on hitting the 2k threshold before the first closing date. But I did have some spend on the card. Now that I am looking at my RR account, I see that the points I did earn from the spend on the card have posted as of 1/3 and they are showing up as recent rewards activity. But in my RR Summary, I don't see any qualifying points listed under the Companion Pass. Does it take longer for the credit card spend to show up as qualifying points?
No big deal, since it's really the bonus I am most concerned about and that won't hit until the next closing date in February. But still, would be nice to eek out a more points towards the Companion Pass from my everyday spend on the card.
Not wanting to make any mistakes, I deliberately held off on hitting the 2k threshold before the first closing date. But I did have some spend on the card. Now that I am looking at my RR account, I see that the points I did earn from the spend on the card have posted as of 1/3 and they are showing up as recent rewards activity. But in my RR Summary, I don't see any qualifying points listed under the Companion Pass. Does it take longer for the credit card spend to show up as qualifying points?
No big deal, since it's really the bonus I am most concerned about and that won't hit until the next closing date in February. But still, would be nice to eek out a more points towards the Companion Pass from my everyday spend on the card.