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 13, 2017, 5:53 pm
#3691
Join Date: Feb 2009
Posts: 6,607
You are worrying over nothing.
2% is 60 bucks.....................saying that you made the entire spend
I have had dozens of business cards and sold my bar ( I still use the name on my card) 17 years ago........never a problem
Nov 14, 2017, 7:28 am
#3692
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,193
I manage my relationship with Chase with extreme care. Nothing even close to funny. I do not even transfer points to/from my wife. Belt-and-suspenders. Keep eyes off your Chase accounts.
I know guys who have been banned from Chase and Amex for life and are now reduced to playing with the likes of Discover and BOA. Sad!
Nov 14, 2017, 11:32 am
#3693
Join Date: Feb 2009
Posts: 6,607
Chase cancels and bans for more than that. Depositing MOs to your account, or using them to pay your CC bill in person, in any kind of weird volume (for you) can cause them to wipe all your points, and cancel your CCs and blacklist you. And there seems to be no appeal.
I manage my relationship with Chase with extreme care. Nothing even close to funny. I do not even transfer points to/from my wife. Belt-and-suspenders. Keep eyes off your Chase accounts.
I know guys who have been banned from Chase and Amex for life and are now reduced to playing with the likes of Discover and BOA. Sad!
I manage my relationship with Chase with extreme care. Nothing even close to funny. I do not even transfer points to/from my wife. Belt-and-suspenders. Keep eyes off your Chase accounts.
I know guys who have been banned from Chase and Amex for life and are now reduced to playing with the likes of Discover and BOA. Sad!
MO are part of MS, no ? Same with odd spending , I'm guessing that is MS related.
I have used HYvee and Costco gift cards to make ~ 75% of my spend on a lot of Chase cards, never a problem.
Nov 14, 2017, 11:53 am
#3694
Join Date: Nov 2009
Posts: 245
Wipe your points ? Certainly they can't access your RR account. You mean on a Sapphire card ?
I researched MS a little, and the safest and easiest way seems to be paying (or overpaying) taxes. About a 2% fee, but what do I care ? That works out to $60 for $3000 of MS towards RR points (not that I'd do my whole bonus spending that way). And income taxes are clearly a legitimate business expense (for a sole proprietorship).
I manage my relationship with Chase with extreme care. Nothing even close to funny. I do not even transfer points to/from my wife. Belt-and-suspenders. Keep eyes off your Chase accounts.
Nov 14, 2017, 12:26 pm
#3695
Join Date: Feb 2009
Posts: 6,607
What is an MO ?
Wipe your points ? Certainly they can't access your RR account. You mean on a Sapphire card ?
I researched MS a little, and the safest and easiest way seems to be paying (or overpaying) taxes. About a 2% fee, but what do I care ? That works out to $60 for $3000 of MS towards RR points (not that I'd do my whole bonus spending that way). And income taxes are clearly a legitimate business expense (for a sole proprietorship).
Your experience seems pretty different than flyer4512's. Have you had a Chase business card, and did you use it for things that are clearly not business, such as groceries, liquor, etc ? Gasoline and dining aren't quite as bad I suppose.
Wipe your points ? Certainly they can't access your RR account. You mean on a Sapphire card ?
I researched MS a little, and the safest and easiest way seems to be paying (or overpaying) taxes. About a 2% fee, but what do I care ? That works out to $60 for $3000 of MS towards RR points (not that I'd do my whole bonus spending that way). And income taxes are clearly a legitimate business expense (for a sole proprietorship).
Your experience seems pretty different than flyer4512's. Have you had a Chase business card, and did you use it for things that are clearly not business, such as groceries, liquor, etc ? Gasoline and dining aren't quite as bad I suppose.
Traditional MS involves getting the cash you spent back into an account to pay the bill. People are buying MO ( money orders) at the post office on the card and then depositing the MO into a bank account ( or as too many stated, trying to pay their Credit card bill in person with a MO) to pay the CC bill.
For the AA mailers some people are doing this for the entire 3 or 4K spend over and over as fast as they can get the cards.
Gift cards , paying bills, etc are not "MS".
Since I don't have a business I have not made a single business charge on any of my business credit cards.
Last edited by flyer4512; Nov 14, 2017 at 12:48 pm
Nov 14, 2017, 1:02 pm
#3696
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,193
What is an MO ?
Wipe your points ? Certainly they can't access your RR account. You mean on a Sapphire card ?
I researched MS a little, and the safest and easiest way seems to be paying (or overpaying) taxes. About a 2% fee, but what do I care ? That works out to $60 for $3000 of MS towards RR points (not that I'd do my whole bonus spending that way). And income taxes are clearly a legitimate business expense (for a sole proprietorship).
Your experience seems pretty different than flyer4512's. Have you had a Chase business card, and did you use it for things that are clearly not business, such as groceries, liquor, etc ? Gasoline and dining aren't quite as bad I suppose.
Wipe your points ? Certainly they can't access your RR account. You mean on a Sapphire card ?
I researched MS a little, and the safest and easiest way seems to be paying (or overpaying) taxes. About a 2% fee, but what do I care ? That works out to $60 for $3000 of MS towards RR points (not that I'd do my whole bonus spending that way). And income taxes are clearly a legitimate business expense (for a sole proprietorship).
Your experience seems pretty different than flyer4512's. Have you had a Chase business card, and did you use it for things that are clearly not business, such as groceries, liquor, etc ? Gasoline and dining aren't quite as bad I suppose.
Also buy a ton of free after rebate stuff. Sitting on a couple hundred reams of paper.
On occasion I will buy a meal or some gas or groceries or dry cleaning with an Ink, just to have some non-5x spend. Not sure if Chase cares about that.
No problem yet.
Nov 14, 2017, 5:06 pm
#3697
Join Date: Nov 2009
Posts: 245
Sorry, I wasn't trying to start a pissing contest about what is and isn't MS. I googled it and found a page at "frequentmiler", and they talk about taxes (for some reason they specify federal taxes).
http://frequentmiler.boardingarea.co...omplete-guide/
The thing I like about using taxes is that it's really simple, and if Chase DID look at charges, taxes couldn't be a more legitimate business expense (for a sole proprietor). There's the ~2% fee of course, but that's pretty minimal compared to the reward.
http://frequentmiler.boardingarea.co...omplete-guide/
The thing I like about using taxes is that it's really simple, and if Chase DID look at charges, taxes couldn't be a more legitimate business expense (for a sole proprietor). There's the ~2% fee of course, but that's pretty minimal compared to the reward.
Nov 14, 2017, 5:24 pm
#3698
Join Date: Feb 2009
Posts: 6,607
Sorry, I wasn't trying to start a pissing contest about what is and isn't MS. I googled it and found a page at "frequentmiler", and they talk about taxes (for some reason they specify federal taxes).
http://frequentmiler.boardingarea.co...omplete-guide/
The thing I like about using taxes is that it's really simple, and if Chase DID look at charges, taxes couldn't be a more legitimate business expense (for a sole proprietor). There's the ~2% fee of course, but that's pretty minimal compared to the reward.
http://frequentmiler.boardingarea.co...omplete-guide/
The thing I like about using taxes is that it's really simple, and if Chase DID look at charges, taxes couldn't be a more legitimate business expense (for a sole proprietor). There's the ~2% fee of course, but that's pretty minimal compared to the reward.
Since you are so concerned this is no doubt the way you should go, pay taxes of $2k on 12/31 and be done with it then file for a refund.
Nov 14, 2017, 10:25 pm
#3699
Join Date: Nov 2009
Posts: 245
It's a nice ace in the hole if I feel I'm in danger of not qualifying for the bonus, likely only if I try to meet the bonus thresholds for both cards simulatneously. Probably no need, since I usually stay put til early spring.
Nov 14, 2017, 11:35 pm
#3700
Join Date: Feb 2009
Posts: 6,607
Yep. And no need to do it by year's end - you can make an estimated tax payment in January; in fact, Jan 15 is the due date for the fourth and final payment for those who need to make estimated tax payments. I'm not sure why that site specifies "federal" taxes, notwithstanding, of course, that some states don't have income tax and possibly some aren't set up to accept credit card payments.
It's a nice ace in the hole if I feel I'm in danger of not qualifying for the bonus, likely only if I try to meet the bonus thresholds for both cards simulatneously. Probably no need, since I usually stay put til early spring.
It's a nice ace in the hole if I feel I'm in danger of not qualifying for the bonus, likely only if I try to meet the bonus thresholds for both cards simulatneously. Probably no need, since I usually stay put til early spring.
I said 12/31 as I was assuming from your past posts that you wanted CP ASAP and 12/31 makes sure the points won't post in 2017.
If you have until early spring I would wait and see in a 50K card pops up as a 40K card still involves getting 9k more CPQP unless you plan on getting two 40K cards............assuming you are 4/24 or under and will get approved.
Don't forget 24 months has to have passed since the last SW bonus POSTED to your SW account for that specific personal card ( Plus, premier) before you will be approved again for that card.
Now let's hope SW doesn't have any CP related surprises come 1/1/18 like they did last year.
Nov 15, 2017, 6:08 am
#3701
Join Date: Feb 2014
Posts: 921
And Chase isn't going to nitpick about your purchasing - they're not looking thru your grocery bill and will want to question why you purchased a head of lettuce.
Nov 15, 2017, 11:55 am
#3702
Join Date: Nov 2009
Posts: 245
Now let's hope SW doesn't have any CP related surprises come 1/1/18 like they did last year.
Nov 15, 2017, 12:32 pm
#3703
Join Date: Feb 2009
Posts: 6,607
Damn, it's complicated flying for free :-) My Southwest RR online acc't is not showing anything before April 2016, but they seem to have a choice that shows all of 2016. I guess they only show the previous year. Hopefully that means I had no bonus at all post in 2016, but who knows how late in 2015 one posted. I'm not sure how else to find out. Guess I'll wait til January to apply for the personal card.
Remind me ? Some other bonus types became ineligible for CP status ?
Remind me ? Some other bonus types became ineligible for CP status ?
On 1/1/2017 Southwest made it so that hotel point transfers no longer count towards CP. They extended the date until 3/31/17 after people complained.
Did you have CP for 2016 and 2017 ? If you did and earned it via credit cards you had to earn those points at some point in 2016
If you are going to do this you need to create a spreadsheet
Nov 15, 2017, 10:38 pm
#3704
Join Date: Nov 2009
Posts: 245
I never had a CP before. I have earned big bonuses on Chase RR cards, but too clueless, before now, to do 'em in the same year. But it appears clear (from online SW acc't) that I earned none in 2016. I did have some big transfers from Chase Sapphire in 2016, but those don't apply towards CP, nor should they affect eligibility to get bonuses on Chase RR cards from now on (according to what you said earlier).
Nov 16, 2017, 12:20 pm
#3705
Join Date: Nov 2009
Posts: 245
I did have a Chase Sapphire card in 2016, earned a big bonus, and transferred the points to my (and my GFs, holder of a SW CP) accounts. Shouldn't be an issue.