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 24, 2015, 6:15 pm
#2581
Join Date: Jan 2015
Posts: 94
I applied for the SW Rapid Rewards Plus card on 9/11. I called this week to try and expedite the application (this had previously worked when I got my SW Premier card 2 months ago). I was told that I will have to wait up to 2 more weeks to find out via mail the response, as the application is under a second review.
Has anyone out there had this happen to them? What should I be expecting?
I am hoping to get the card ASAP and make my bill date Mid month so that I can have companion by Halloween. I am not worried about spending the $2000 but more concerned about not receiving the card in time to obtain the companion pass by the time I plan to travel.
Also, I am under the impression if a purchase a ticket now I can add the companion later. Is this true?
Thanks!
Has anyone out there had this happen to them? What should I be expecting?
I am hoping to get the card ASAP and make my bill date Mid month so that I can have companion by Halloween. I am not worried about spending the $2000 but more concerned about not receiving the card in time to obtain the companion pass by the time I plan to travel.
Also, I am under the impression if a purchase a ticket now I can add the companion later. Is this true?
Thanks!
Sep 26, 2015, 4:40 pm
#2582
Join Date: Jun 2015
Posts: 69
I was curious if there are any new data points on Chase denying SW personal or business cards recently since they have tightened things up? Threads indicate obtaining an Ink card is pretty tough these days.
I am over the 5 in 24 months, and pretty much giving up on the Ink this year. Wondering if I can get the SW business, then if successful go for the personal a few weeks later. I've they don't necessarily like to give the two personal cards at the same time.
I am over the 5 in 24 months, and pretty much giving up on the Ink this year. Wondering if I can get the SW business, then if successful go for the personal a few weeks later. I've they don't necessarily like to give the two personal cards at the same time.
Sep 27, 2015, 6:29 am
#2583
Join Date: Jan 2010
Location: ATL
Posts: 1,924
I've had the Premier card for well over 2 years. I misread a post here thinking I could just apply for a second one (without cancelling the first). Did that online and got a letter in the mail a week later stating I already had one, and to call them to make sure I'm in their correct card.
Instead I applied online last week for the Plus card, got a confirmation e-mail Friday that I was approved for the Plus; also got my monthly/quarterly Credit Karma e-mail, 835 score.
Instead I applied online last week for the Plus card, got a confirmation e-mail Friday that I was approved for the Plus; also got my monthly/quarterly Credit Karma e-mail, 835 score.
Sep 27, 2015, 1:25 pm
#2584
Original Member
Join Date: May 1998
Posts: 2,506
I've had the Premier card for well over 2 years. I misread a post here thinking I could just apply for a second one (without cancelling the first). Did that online and got a letter in the mail a week later stating I already had one, and to call them to make sure I'm in their correct card.
Instead I applied online last week for the Plus card, got a confirmation e-mail Friday that I was approved for the Plus; also got my monthly/quarterly Credit Karma e-mail, 835 score.
Instead I applied online last week for the Plus card, got a confirmation e-mail Friday that I was approved for the Plus; also got my monthly/quarterly Credit Karma e-mail, 835 score.
Thanks.
Sep 27, 2015, 2:10 pm
#2585
Join Date: Jan 2010
Location: ATL
Posts: 1,924
Will let you know; shouldn't take my wife long to get the spend, trying to do is asap as have 61k in RR points this year, fine with just getting CP for 2016, have it for 2015 thru the ATL 3 RT deal.
Sep 28, 2015, 5:54 am
#2586
Join Date: Aug 2015
Posts: 21
Relatively new to the points and miles game, and just want some clarification. The only Chase travel rewards card I have is Sapphire which I got in August (also got Amex SPG which are the only 2 travel cards I have). My 3 questions are:
1) What are my chances if I apply for the Plus and Premier personal cards in 2 separate incognito windows?
2) Would it be better if I apply for the Plus and then the Premier at the end of the month?
3) Should I lower by credit limit on the CSP card to help my chances?
Edit: added 3rd question
1) What are my chances if I apply for the Plus and Premier personal cards in 2 separate incognito windows?
2) Would it be better if I apply for the Plus and then the Premier at the end of the month?
3) Should I lower by credit limit on the CSP card to help my chances?
Edit: added 3rd question
Last edited by twofooted; Sep 28, 2015 at 7:03 am Reason: added 3rd question
Sep 28, 2015, 6:38 am
#2587
Join Date: Jun 2015
Posts: 7
About a year ago I received a SW card as a result of the Air Tran program going away.
If my goal is to get a companion pass by applying for the two personal cards in October, should I do anything (cancel?) with the current Chase SW card?
If my goal is to get a companion pass by applying for the two personal cards in October, should I do anything (cancel?) with the current Chase SW card?
Sep 28, 2015, 7:26 am
#2588
Join Date: Aug 2014
Posts: 736
Relatively new to the points and miles game, and just want some clarification. The only Chase travel rewards card I have is Sapphire which I got in August (also got Amex SPG which are the only 2 travel cards I have). My 3 questions are:
1) What are my chances if I apply for the Plus and Premier personal cards in 2 separate incognito windows?
2) Would it be better if I apply for the Plus and then the Premier at the end of the month?
3) Should I lower by credit limit on the CSP card to help my chances?
Edit: added 3rd question
1) What are my chances if I apply for the Plus and Premier personal cards in 2 separate incognito windows?
2) Would it be better if I apply for the Plus and then the Premier at the end of the month?
3) Should I lower by credit limit on the CSP card to help my chances?
Edit: added 3rd question
2) For most it doesn't make a difference
3) If your total Chase limit is in the $50-60k range I'd lower it so help with auto approvals. But if you're in a $20k range or something it shouldn't make a difference. Having a higher limit can decrease chances of auto approvals, but can help if you need to go to the recon line and reallocate credit.
Sep 28, 2015, 1:01 pm
#2589
Join Date: Feb 2004
Programs: IHG Spire Elite; Hyatt Platinum; SPG Preferred+; Club Carlson Gold; SW CP
Posts: 674
Relatively new to the points and miles game, and just want some clarification. The only Chase travel rewards card I have is Sapphire which I got in August (also got Amex SPG which are the only 2 travel cards I have). My 3 questions are:
1) What are my chances if I apply for the Plus and Premier personal cards in 2 separate incognito windows?
2) Would it be better if I apply for the Plus and then the Premier at the end of the month?
3) Should I lower by credit limit on the CSP card to help my chances?
Edit: added 3rd question
1) What are my chances if I apply for the Plus and Premier personal cards in 2 separate incognito windows?
2) Would it be better if I apply for the Plus and then the Premier at the end of the month?
3) Should I lower by credit limit on the CSP card to help my chances?
Edit: added 3rd question
Sep 28, 2015, 1:44 pm
#2590
Join Date: Mar 2011
Location: Seattle
Programs: SPG Platinum, Marriot, Alaska Air, AAdvantage, Hilton Honors Diamond, British Airways
Posts: 164
I just closed my Rapid Rewards business card today. I previously closed my Rapids Rewards personal card. How long should I wait before applying for these again in order to receive the 50,000 points?
Sep 28, 2015, 1:46 pm
#2591
Join Date: Aug 2014
Posts: 736
What does matter is when you received the bonus. You'll need to wait 24 months from receiving a bonus on any personal Chase card to apply again.
Sep 28, 2015, 1:51 pm
#2592
Join Date: Mar 2011
Location: Seattle
Programs: SPG Platinum, Marriot, Alaska Air, AAdvantage, Hilton Honors Diamond, British Airways
Posts: 164
I'll probably wait until late October or November before I apply for the 2 cards. I assume I won't need to speak to recon if I have excellent credit and no new cards in the last year.
When you close doesn't factor into the ability to earn the bonus, but be awkward explaining to someone in a recon call why you cancelled SW Plus last week and now want another one.
What does matter is when you received the bonus. You'll need to wait 24 months from receiving a bonus on any personal Chase card to apply again.
What does matter is when you received the bonus. You'll need to wait 24 months from receiving a bonus on any personal Chase card to apply again.
Sep 28, 2015, 2:31 pm
#2593
Join Date: Aug 2015
Posts: 21
Like Wilbur wrote, it's possible to get both cards on the same day. I would suggest though, if possible, applying for the Plus card first and then the Premier card a few weeks or a month or two later. That gives you the opportunity to use a legitimate reason to justify your acquisition of the Premier card
Sep 28, 2015, 7:37 pm
#2594
Join Date: Jun 2015
Posts: 69
Like Wilbur wrote, it's possible to get both cards on the same day. I would suggest though, if possible, applying for the Plus card first and then the Premier card a few weeks or a month or two later. That gives you the opportunity to use a legitimate reason to justify your acquisition of the Premier card - you want a Southwest card with no foreign transaction fee and the Plus card charges an FTF (and since you've already received the Plus card and started using it you don't want to convert it to a Premier card). That's the route I took when I called in to the Chase reconsideration line. Another reasonable explanation for desire to have both cards is that you want to keep expenses separated.
Sep 29, 2015, 10:02 am
#2595
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375