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!
Dec 24, 2017, 7:52 pm
#3796
Join Date: Nov 2015
Location: St. Louis, MO
Programs: Southwest Companion Pass
Posts: 790
My wife got the 60k personal Premier and Plus cards on 10/1. My goal for her was to spend about $1900+ until 12/31, then go over $2000 for both cards. Well, today she just went over the $2k on one of the cards. Her statement date is 1/1. Most people report bonus posts after statement date, but Im worried that a few people say their bonuses posted after spend was met, before the statement date. If theres one thing that I can be happy about, its that theres an $88 charge online from 12/18 that still says pending; its for party favors and I suspect theyll finalize the charge once the favors are shipped. Shipment date is early December. Can a charge remain pending for 2 weeks?
I assume pending charges dont count toward the $2000? Can
I assume pending charges dont count toward the $2000? Can
Dec 26, 2017, 10:42 am
#3798
Join Date: Nov 2015
Location: St. Louis, MO
Programs: Southwest Companion Pass
Posts: 790
It's goes by that date the points were issued. Data points also suggest the need to wait for the next calendar month after this date. Example: bonus points awarded 01/15/2015, you would be eligible to apply on 02/01/2017. Other people suggest waiting a full calendar month after your 2 years has passed just to be safe.
Dec 27, 2017, 6:30 am
#3799
Join Date: Dec 2015
Posts: 94
It's goes by that date the points were issued. Data points also suggest the need to wait for the next calendar month after this date. Example: bonus points awarded 01/15/2015, you would be eligible to apply on 02/01/2017. Other people suggest waiting a full calendar month after your 2 years has passed just to be safe.
My points were issued 2/4/16. I was going to go ahead and apply for card, but hold til end of Feb to meet spend.
Dec 27, 2017, 7:28 am
#3800
Join Date: Nov 2015
Location: St. Louis, MO
Programs: Southwest Companion Pass
Posts: 790
Dec 28, 2017, 8:20 am
#3801
Join Date: Dec 2017
Programs: SW Rapid Rewards, Alamo
Posts: 5
Worried about my points too...
I opened 2 SW RR Visa accounts on 10/3. One had a statement date of 12/18, the other just closed on 12/27. Why they changed the statement dates to odd dates like that, I have no idea. We were just under the $2000 spend mark on both, planning to spend the rest on 12/30 or 12/31, so the companion pass would be good for 2018 and 2019. Well, this morning, my husband charged $415 for an auto repair (which will most likely post on the 29th), putting us way over the $2000 mark on the card that just closed yesterday. Because some have said that SW has gone by the spend date and alloted the points according, I'm worried they'll say we have earned the CP only for the balance of 2017 and the 2018 year. Should we worry about this? Thanks
Dec 28, 2017, 9:18 am
#3802
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,192
I opened 2 SW RR Visa accounts on 10/3. One had a statement date of 12/18, the other just closed on 12/27. Why they changed the statement dates to odd dates like that, I have no idea. We were just under the $2000 spend mark on both, planning to spend the rest on 12/30 or 12/31, so the companion pass would be good for 2018 and 2019. Well, this morning, my husband charged $415 for an auto repair (which will most likely post on the 29th), putting us way over the $2000 mark on the card that just closed yesterday. Because some have said that SW has gone by the spend date and alloted the points according, I'm worried they'll say we have earned the CP only for the balance of 2017 and the 2018 year. Should we worry about this? Thanks
In practice, weird things sometimes happen, as in your case where you have wildly different drop dates on your cards which you obtained simultaneously.
In any case, whatever is going to happen will happen, as it is almost certainly too late this year to do anything about it. And reversing things almost never is allowed.
Dec 28, 2017, 9:43 am
#3803
Join Date: Dec 2017
Programs: SW Rapid Rewards, Alamo
Posts: 5
worried about my point too...
In theory you should be fine. Bonus points come within a couple days of your statement(s) closing after the date you hit the spend, which is scheduled for next month.
In practice, weird things sometimes happen, as in your case where you have wildly different drop dates on your cards which you obtained simultaneously.
In any case, whatever is going to happen will happen, as it is almost certainly too late this year to do anything about it. And reversing things almost never is allowed.
Dec 28, 2017, 10:09 am
#3805
Join Date: Dec 2017
Programs: SW Rapid Rewards, Alamo
Posts: 5
Dec 28, 2017, 10:12 am
#3806
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,192
Many many data points for years showing that the spend counter only goes up. Refunds, fraud reversals, corrected double-billing, etc. do not decrease it.
Dec 28, 2017, 10:33 am
#3807
Join Date: Feb 2009
Posts: 6,607
Sorry for the tough love but the rules have been the same for years, the best practice is to not even use the card until 12/31/xxxx then charge the entire spend.
The problems arise when people pass the spend threshold early for one reason or another.
Dec 28, 2017, 12:13 pm
#3808
Join Date: Dec 2017
Programs: SW Rapid Rewards, Alamo
Posts: 5
The main issue for what you said above (spend it all on 12/31/xxxx) is that 12/31 is a Sunday and 1/1 is a holiday...so posting may not even take place until 1/2. So, it seems a little risky to wait until 12/31, doesn't it? Since my statement has already posted, I am hoping that, since the billing cycle has closed, it will all post during the January cycle.
Dec 28, 2017, 12:20 pm
#3809
Join Date: Feb 2009
Posts: 6,607
The main issue for what you said above (spend it all on 12/31/xxxx) is that 12/31 is a Sunday and 1/1 is a holiday...so posting may not even take place until 1/2. So, it seems a little risky to wait until 12/31, doesn't it? Since my statement has already posted, I am hoping that, since the billing cycle has closed, it will all post during the January cycle.
Not at all , if you applied 10/3 your spend by date should be in late January 2018 so spending on 12/31 will have plenty of time to post , check your statement daily to make sure the charges post and that you pass the $2k SPEND plus AF, so $2099 on a premier and $2069 on a Plus card.
My wife applied 9/29 and her spend by date is January 22 so my guess is you have until January 26 to complete your spend, if you haven't already SM Chase and ask.
You SHOULD be ok but I see no reason to risk it. fraud is another issue that could mess up the CP timing ( last year we had a person post that a cab driver stole his card info and ran up charges over the spend amount, even though the charges were eventually reversed his bonus still posted in 2016 thus messing him up for CP that he planned on getting for 2018/18) and that is why we don't even use the cards until 12/31.
GL
Last edited by flyer4512; Dec 28, 2017 at 12:25 pm
Dec 28, 2017, 12:26 pm
#3810
Join Date: Dec 2017
Programs: SW Rapid Rewards, Alamo
Posts: 5
Not at all , if you applied 10/3 your spend by date should be in late January 2018 so spending on 12/31 will have plenty of time to post , check your statement daily to make sure the charges post and that you pass the $2k SPEND plus AF. so $2099 on a premier and $2069 on a Plus card.
My wife applied 9/29 and her spend by date is January 22 so my guess is you have until January 26 to complete your spend, if you haven't already SM Chase and ask.
You SHOULD be ok but I see no reason to risk it. fraud is another issue that could mess up the CP timing and that is why we don't even use the cards until 12/31.
GL
My wife applied 9/29 and her spend by date is January 22 so my guess is you have until January 26 to complete your spend, if you haven't already SM Chase and ask.
You SHOULD be ok but I see no reason to risk it. fraud is another issue that could mess up the CP timing and that is why we don't even use the cards until 12/31.
GL