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 18, 2019, 7:38 am
#4366
Join Date: Sep 2019
Posts: 6
Hey everyone. New to the forumn. I was referred here by a friend. I haven't done much churning and hadn't given it much thought in a few years since my last CP expired (Dec 2017). Well now I am eligible to open new cards and get the bonuses again. I plan on waiting until mid/late October to open the cards and waiting until Jan 2020 to hit the spend bonuses.
Question: I understand Chase/SW has now changed and you can't do 2 personal cards anymore. You must open 1 personal and 1 biz card. Can someone confirm?
Question: If I have to do 1 personal and 1 biz card, how would I apply for a biz card, as I don't own my own business. Can someone help with the details I'd put into the application?
I am 0/24 with a very high 700 score, currently have a Chase Reserve and IHG card.
Thanks in advance!
Question: I understand Chase/SW has now changed and you can't do 2 personal cards anymore. You must open 1 personal and 1 biz card. Can someone confirm?
Question: If I have to do 1 personal and 1 biz card, how would I apply for a biz card, as I don't own my own business. Can someone help with the details I'd put into the application?
I am 0/24 with a very high 700 score, currently have a Chase Reserve and IHG card.
Thanks in advance!
Sep 18, 2019, 8:10 am
#4367
Join Date: May 2002
Location: St Louis, MO
Programs: AA L.T. PLT
Posts: 3,294
Question on the Chase SW cards...I'm looking to get a biz and personal in October for the 2020 CP.
I'm 3/24 according to credit karma. However, I applied for ink biz preferred a couple months back and got the request for biz docs, which I don't have (I rent my primary residence but don't have an official biz).
Any advice on how to go about this, and if the SW cards are approving easier? I currently have ink bold, freedom, and ihg card.
My plan was the 80k biz card and any personal card on same day, but wanted to check here for best practices.
Thx.
I'm 3/24 according to credit karma. However, I applied for ink biz preferred a couple months back and got the request for biz docs, which I don't have (I rent my primary residence but don't have an official biz).
Any advice on how to go about this, and if the SW cards are approving easier? I currently have ink bold, freedom, and ihg card.
My plan was the 80k biz card and any personal card on same day, but wanted to check here for best practices.
Thx.
Sep 18, 2019, 1:29 pm
#4368
Join Date: Feb 2013
Posts: 58
Well you need to figure out how to have "some kind" of business. Selling stuff on E-bay / Amazon or whatever. Mowing lawns. Painting houses. Something. You can't just make something up as they make ask for income / tax info. It doesn't have to be full time. I umpire baseball. That's my business, I'm a private contractor. On my c.c. it has Sports Officiating.
Sep 18, 2019, 3:28 pm
#4369
Join Date: Feb 2009
Posts: 6,607
Thx. This part wasn't really the crux of the issue, as I've had probably 20 biz cards over the years. My business is my rental property, but I don't have official tax docs which they requested. Do you have official documentation and biz license/tax ID for your umpiring gig? If so, what was the process for that?
You don't keep your rentals in a LLC ? I would worry about that first before any bus cards. You are setting yourself up for personal liability if any person gets hurt on your property.
Oct 6, 2019, 10:47 am
#4370
Join Date: Oct 2010
Posts: 99
Applied a few minutes ago for the SW Biz Perf 80k bonus card (under 5/24, excellent fico scores but "business" with $1 revenue) and it went pending 
We need to review your request a little longer. We will let you know of our decision as soon as possible.
Thank you for choosing the Southwest Rapid Rewards Performance Business Credit Card.
Thank you for your request.
We need to review your request a little longer. We will let you know of our decision as soon as possible.
Thank you for choosing the Southwest Rapid Rewards Performance Business Credit Card.
Oct 6, 2019, 12:18 pm
#4371
FlyerTalk Evangelist
Join Date: Nov 2000
Location: Nashville -Past DL Plat, FO, WN-CP, various hotel programs
Programs: DL-MM, AA, SW w/companion,HiltonDiamond, Hyatt PLat, IHF Plat, Miles and Points Seeker
Posts: 11,073
So,I messed up. Today I signed up for the 80k RR biz card and did not consider that this would require me to hit the min spend before the end of 2018 and thus risk the SUB posting in 2018. I want the points to post in 2019 so I can qualify next year for the CP.
Any thoughts on how to delay the SUB posting until 2019? I have heard of Credit card points not posting to RR if the names didn’t match, which required fixing the names to be the same and calls to Chase to repost the points to the RR account. Perhaps I try changing the name slightly until 2019 and hope there is an error in posting that I can get fixed in 2019? Thanks in advance for any thoughts.
Any thoughts on how to delay the SUB posting until 2019? I have heard of Credit card points not posting to RR if the names didn’t match, which required fixing the names to be the same and calls to Chase to repost the points to the RR account. Perhaps I try changing the name slightly until 2019 and hope there is an error in posting that I can get fixed in 2019? Thanks in advance for any thoughts.
For example, if your close date moves to the 28th of the month. You hit the spend at the 90 day mark early in December. The points post to your Chase account on Dec 28th. Chase sends them over to WN on or after Jan 1st. BINGO.
Remember, there are two totally different dates you have to deal with.
1 - Date you earn the 80k. Chase officially says 90 days. Some have said Chase seems to give you a few more days that that. YMMV
2 - Date the points are sent to WN. This is a few days AFTER your statement processes each month. It is NOT the date you spend $5k and earned 80k. They only send points over once per month/cycle.
EDIT TO ADD - Chase does send a date of the statement over to WN along with the points - see later post with this information. That date does not appear to indicate when you reached the bonus which could have been days or weeks - but not a month - earlier. They APPEAR to send just one date - the statement date.
LET US KNOW WHAT YOU FIND
Last edited by NoStressHere; Oct 6, 2019 at 3:07 pm
Oct 6, 2019, 2:05 pm
#4372
Join Date: Nov 2015
Location: St. Louis, MO
Programs: Southwest Companion Pass
Posts: 790
Been thinking about this one. No expert or even have experience in this option. Some people talk about changing the billing date.
If you could change your statement date to VERY VERY late in the month you might be able to make this work.
For example, if your close date moves to the 28th of the month. You hit the spend at the 90 day mark early in December. The points post to your Chase account on Dec 28th. Chase sends them over to WN on or after Jan 1st. BINGO.
Remember, there are two totally different dates you have to deal with.
1 - Date you earn the 80k. Chase officially says 90 days. Some have said Chase seems to give you a few more days that that. YMMV
2 - Date the points are sent to WN. This is a few days AFTER your statement processes each month. It is NOT the date you spend $5k and earned 80k. They only send points over once per month/cycle.
LET US KNOW WHAT YOU FIND
If you could change your statement date to VERY VERY late in the month you might be able to make this work.
For example, if your close date moves to the 28th of the month. You hit the spend at the 90 day mark early in December. The points post to your Chase account on Dec 28th. Chase sends them over to WN on or after Jan 1st. BINGO.
Remember, there are two totally different dates you have to deal with.
1 - Date you earn the 80k. Chase officially says 90 days. Some have said Chase seems to give you a few more days that that. YMMV
2 - Date the points are sent to WN. This is a few days AFTER your statement processes each month. It is NOT the date you spend $5k and earned 80k. They only send points over once per month/cycle.
LET US KNOW WHAT YOU FIND
Doing it the way you suggested wouldn't even work if the points somehow posted in January because they are considered earned when the statement cuts. You can easily see this when you go to recent activity on your Rapid Rewards account. It will show you the date they are earned vs the date they are deposited in you RR account.
Oct 6, 2019, 3:01 pm
#4373
FlyerTalk Evangelist
Join Date: Nov 2000
Location: Nashville -Past DL Plat, FO, WN-CP, various hotel programs
Programs: DL-MM, AA, SW w/companion,HiltonDiamond, Hyatt PLat, IHF Plat, Miles and Points Seeker
Posts: 11,073
This is straight up wrong. If you are in a situation where you are required to meet the minimum spend late in the year but want the points to post in the next year you need to change your statement where it closes at the beginning of the month. By doing this, you can meet the minimum spend as soon as the December statement closes but the points will not post until your January statement.
Doing it the way you suggested wouldn't even work if the points somehow posted in January because they are considered earned when the statement cuts. You can easily see this when you go to recent activity on your Rapid Rewards account. It will show you the date they are earned vs the date they are deposited in you RR account.
Doing it the way you suggested wouldn't even work if the points somehow posted in January because they are considered earned when the statement cuts. You can easily see this when you go to recent activity on your Rapid Rewards account. It will show you the date they are earned vs the date they are deposited in you RR account.
I just looked at my RR account and found this on one personal and one biz card.
20-Sep-19 Credit CardRapid Rewards Credit Card 09/19/2019 + 389 PTS
19-Sep-19 Credit CardRapid Rewards Credit Card 09/18/2019 + 989 PTS
It does show the date from Chase. So, even though it hits the account a day or so after the statement cuts, it does show a date from Chase. But, to clarify it only shows ONE date each month as to earning. That means that no matter when during the month/statement cycle you earn points or cross the minimum spend line, they consider all earnings on a single date - statement close.
So my thought about getting a "good statement" late in the month would be wrong. Early is the way to go.
I need to start drinking now.
Last edited by NoStressHere; Oct 6, 2019 at 5:39 pm
Oct 10, 2019, 9:09 pm
#4375
FlyerTalk Evangelist
Join Date: Nov 2000
Location: Nashville -Past DL Plat, FO, WN-CP, various hotel programs
Programs: DL-MM, AA, SW w/companion,HiltonDiamond, Hyatt PLat, IHF Plat, Miles and Points Seeker
Posts: 11,073
Oct 11, 2019, 1:43 am
#4377
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,192
Oct 17, 2019, 8:39 pm
#4379
FlyerTalk Evangelist
Join Date: Nov 2000
Location: Nashville -Past DL Plat, FO, WN-CP, various hotel programs
Programs: DL-MM, AA, SW w/companion,HiltonDiamond, Hyatt PLat, IHF Plat, Miles and Points Seeker
Posts: 11,073
You will know for sure if there is a problem when the first statement cuts and points transfer.