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!
Nov 12, 2017, 1:21 pm
#3677
Join Date: Nov 2009
Posts: 245
Girlfriend's CP will expire at year's end, so time for me to get going on one for 2018-2019. As best I can tell, there are no personal RR card offers for more than 40K bonus points; I will not have enough spending or flying to get the extra 30K points I'd need with two 40K bonuses. So, several questions:
1. Do points transfers from Chase Sapphire cards (into my RR account) count toward the 110K ? (EDIT: It seems clear the answer is "no"; only bonus points from the Chase RR cards count).
2. Can one qualify for one of the Chase Business RR cards (apparently the only ones with greater than 40K bonus) if one doesn't own a business ? I've bluffed my way into business cards with other airlines, but the Chase application wants to know the business' revenues. I've done consulting in the past, but have had no income whatsoever (other than investments) for several years. Am I flat out of luck ?
3. Having frozen my credit at the three major agencies after the recent scare, I'd need to unfreeze if I find any offers I can use. Is it known which agency (or agencies) Chase uses for these cards ?
Thanks !
1. Do points transfers from Chase Sapphire cards (into my RR account) count toward the 110K ? (EDIT: It seems clear the answer is "no"; only bonus points from the Chase RR cards count).
2. Can one qualify for one of the Chase Business RR cards (apparently the only ones with greater than 40K bonus) if one doesn't own a business ? I've bluffed my way into business cards with other airlines, but the Chase application wants to know the business' revenues. I've done consulting in the past, but have had no income whatsoever (other than investments) for several years. Am I flat out of luck ?
3. Having frozen my credit at the three major agencies after the recent scare, I'd need to unfreeze if I find any offers I can use. Is it known which agency (or agencies) Chase uses for these cards ?
Thanks !
Last edited by RustyShackleford1; Nov 12, 2017 at 1:52 pm
Nov 12, 2017, 6:23 pm
#3678
Join Date: Feb 2009
Posts: 6,607
Girlfriend's CP will expire at year's end, so time for me to get going on one for 2018-2019. As best I can tell, there are no personal RR card offers for more than 40K bonus points; I will not have enough spending or flying to get the extra 30K points I'd need with two 40K bonuses. So, several questions:
1. Do points transfers from Chase Sapphire cards (into my RR account) count toward the 110K ? (EDIT: It seems clear the answer is "no"; only bonus points from the Chase RR cards count).
2. Can one qualify for one of the Chase Business RR cards (apparently the only ones with greater than 40K bonus) if one doesn't own a business ? I've bluffed my way into business cards with other airlines, but the Chase application wants to know the business' revenues. I've done consulting in the past, but have had no income whatsoever (other than investments) for several years. Am I flat out of luck ?
3. Having frozen my credit at the three major agencies after the recent scare, I'd need to unfreeze if I find any offers I can use. Is it known which agency (or agencies) Chase uses for these cards ?
Thanks !
1. Do points transfers from Chase Sapphire cards (into my RR account) count toward the 110K ? (EDIT: It seems clear the answer is "no"; only bonus points from the Chase RR cards count).
2. Can one qualify for one of the Chase Business RR cards (apparently the only ones with greater than 40K bonus) if one doesn't own a business ? I've bluffed my way into business cards with other airlines, but the Chase application wants to know the business' revenues. I've done consulting in the past, but have had no income whatsoever (other than investments) for several years. Am I flat out of luck ?
3. Having frozen my credit at the three major agencies after the recent scare, I'd need to unfreeze if I find any offers I can use. Is it known which agency (or agencies) Chase uses for these cards ?
Thanks !
There are 2 personal cards so even at 40K each that easily gets you over 110K or be patient as by the summer you will most likely see a 50k and/or 60K personal offer
Nov 12, 2017, 8:34 pm
#3679
Join Date: Nov 2009
Posts: 245
Can you give me some tips (or pointers to discussion) ? Seems like I honestly say the business proceeds are zero, or I lie and risk cancellation or bonus "claw back".
Yeah, if I mahage a biz card.
I've greedy - wanna come out swingin' in early 2018 :-)
There are 2 personal cards so even at 40K each that easily gets you over 110K
patient as by the summer you will most likely see a 50k and/or 60K personal offer
Nov 12, 2017, 10:02 pm
#3680
Join Date: Feb 2009
Posts: 6,607
If you want to come out swingin in 2018 you should have been in the on deck circle last month and grabbed two 60k personal cards
Search this thread and the AA thread, plenty of posts on what info people who don't have a real business are putting on bus apps. Sole proprietorship, business name is your name, 1 employee , no earnings
Don't forget about 5/24
Nov 13, 2017, 12:54 am
#3681
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,193
The ways I can think of are CC signup bonus, CC spending, annual CC bonus of 3000 or 6000, flying WN, WN Dining program, WN shopping portal, base points from partners like rental car companies and hotels, and I think hotel stays booked at WN through Rocketmiles.
Anyone remember others?
Not sure if those WN points from e-surveys, SuperShuttle, switching energy companies, wine club, or 1-800 Flowers count toward CP. Anyone?
Nov 13, 2017, 11:53 am
#3682
Join Date: Nov 2009
Posts: 245
For future reference, here is how I've dealt with the credit-freeze issue (when applying for the Chase RR Business card):
1. Make the online application.
2. Call 888-270-2127, explain you've applied and your credit is frozen, and they will tell you which credit-reporting agency they will use. They will try to pull your credit report themselves, if you supply them with the PIN the agency gave you when you did the freeze. This did not work for me. So ...
3. Call the credit-reporting agency and unfreeze your credit. Mine was Equifax and it was an automated system that worked fairly well. I unfroze for a week, but I was told, and apparently it was true, it only needed to be done for today.
4. Call Chase back and say you've unfrozen your credit. They will pull and see it. You'll then proceed with the process, a long interview, etc.
1. Make the online application.
2. Call 888-270-2127, explain you've applied and your credit is frozen, and they will tell you which credit-reporting agency they will use. They will try to pull your credit report themselves, if you supply them with the PIN the agency gave you when you did the freeze. This did not work for me. So ...
3. Call the credit-reporting agency and unfreeze your credit. Mine was Equifax and it was an automated system that worked fairly well. I unfroze for a week, but I was told, and apparently it was true, it only needed to be done for today.
4. Call Chase back and say you've unfrozen your credit. They will pull and see it. You'll then proceed with the process, a long interview, etc.
Nov 13, 2017, 11:59 am
#3683
Join Date: Nov 2009
Posts: 245
So now the issue will be if they look at my charges and decide that I'm using the card for a lot of personal expenses (which I'll have to do to meet the $3000 threshold for them bonus). I believe I've read (elsewhere at the flyertalk Southwest forum, when searching for all this) that people have had their charges examined and cards cancelled.
Nov 13, 2017, 12:33 pm
#3685
Join Date: Feb 2009
Posts: 6,607
Open an INK card before you close the RR Visa. Ink is worth the AF and you will know have an ongoing bus relationship with Chase.
I have cancelled many Chase Bus cards but always keep my INK open
Nov 13, 2017, 12:34 pm
#3686
Join Date: Feb 2009
Posts: 6,607
Thanks, it seems to have worked for me (they told me the card was approved and I'd see it soon). This was by far the most elaborate process that I've had to deal with, in applying for a credit card, including a Citi AA business card. An interview that probably lasted 15min, where I had to explain my business, why it's had no income since 2012, what future income I expect, and what expenses I planned to use the card for.
So now the issue will be if they look at my charges and decide that I'm using the card for a lot of personal expenses (which I'll have to do to meet the $3000 threshold for them bonus). I believe I've read (elsewhere at the flyertalk Southwest forum, when searching for all this) that people have had their charges examined and cards cancelled.
So now the issue will be if they look at my charges and decide that I'm using the card for a lot of personal expenses (which I'll have to do to meet the $3000 threshold for them bonus). I believe I've read (elsewhere at the flyertalk Southwest forum, when searching for all this) that people have had their charges examined and cards cancelled.
My bus cards are used ONLY for personal expenses, you are over thinking this, you're all set just make sure the points post in 2018.
How do you plan on getting the other 50K CPQP ?
Nov 13, 2017, 4:11 pm
#3688
Join Date: Nov 2009
Posts: 245
Open an INK card before you close the RR Visa. Ink is worth the AF and you will know have an ongoing bus relationship with Chase.
I have cancelled many Chase Bus cards but always keep my INK open.
I have cancelled many Chase Bus cards but always keep my INK open.
So what exactly did you do to get your Business card , others will find your data point useful
My bus cards are used ONLY for personal expenses, you are over thinking this, you're all set just make sure the points post in 2018.
How do you plan on getting the other 50K CPQP ?
Thank you for your help with this.
Last edited by RustyShackleford1; Nov 13, 2017 at 4:18 pm
Nov 13, 2017, 5:21 pm
#3689
Join Date: Feb 2009
Posts: 6,607
My concern is not ME cancelling the card, it's Chase cancelling my biz card before I get the bonus. Like you say, I may be over-thinking, but I've read (even in this massive thread, I think) of such happening.
Told them the truth, stretching it a little. I'm self-employed; no income for the past few years, due to dealing with personal stuff; but hope to get the business going again in 2018, and plan to use the card mainly for travel expenses.
Yeah, I blew that on my last round of RR Visas. By just a few weeks. Not a miscalculation - I just didn't know the drill - thought a CP was just for one trip, not multiple trips over almost two years.
When I'm close to meeting the $3K for the biz card, apply for a personal card with 40K bonus (I don't spend enough to get the 2 * $3K of bonus spending thresholds in 3 months). And 4000 of random spending.
Thank you for your help with this.
Told them the truth, stretching it a little. I'm self-employed; no income for the past few years, due to dealing with personal stuff; but hope to get the business going again in 2018, and plan to use the card mainly for travel expenses.
Yeah, I blew that on my last round of RR Visas. By just a few weeks. Not a miscalculation - I just didn't know the drill - thought a CP was just for one trip, not multiple trips over almost two years.
When I'm close to meeting the $3K for the biz card, apply for a personal card with 40K bonus (I don't spend enough to get the 2 * $3K of bonus spending thresholds in 3 months). And 4000 of random spending.
Thank you for your help with this.
Chase charges the $99 AF right away so if they cancelled your card ( they won't if you just make normal purchases) they would have to refund your AF. The only cancellations by Chase I recall are for people who were doing a lot of manufactured spending.
The personal cards are $1k spends for 40K points and usually $2K spends for 50/60k points
Earn Forty Thousand Points
when you spend $1,000 on purchases in the first 3 months.*
Nov 13, 2017, 5:38 pm
#3690
Join Date: Nov 2009
Posts: 245
The personal cards are $1k spends for 40K points and usually $2K spends for 50/60k points