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 Rewards® Plus Card. $69 annual fee, not waived the first year.
- Southwest Rapid Rewards® 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!
Feb 15, 2013, 11:19 am
#32
Join Date: Feb 2013
Posts: 801
Any idea if they'll match across card types? I signed up for the 25K Premier card about 2 weeks ago, and called this morning to ask about getting the 50K on my premier account, even though the link above is for the Plus account. She said they'd submit a request to Marketing and they'd respond with a letter in 8 to 15 days. Just curious if I should anticipate this being approved or not.
Alternately, does anybody know if i could get the Plus card bonus even though I'm already a Premier card holder?
Alternately, does anybody know if i could get the Plus card bonus even though I'm already a Premier card holder?
Feb 16, 2013, 11:59 am
#33
Join Date: May 2011
Programs: Spg Gold, Hilton Diamond, Hyatt Diamond
Posts: 1,578
https://applynow.chase.com/FlexAppWe...DF01&SPID=F2NT
Are you looking for $1k spend only, and do you think they will honor this ??
Feb 17, 2013, 10:34 am
#34
Join Date: May 2008
Posts: 118
Based on other people's experiences, finishing the spending on the 2nd may have been too close to the statement date to trigger the bonus on that statement. It should show up in your next statement. I had the same thing on one of my cards but I was much closer to the statement date so I was expecting it to happen, but the 2,XXX points posted on the statement without the bonus. It showed up on the next statement.
Feb 17, 2013, 8:25 pm
#35
Join Date: Apr 2012
Location: Bay Area, CA
Programs: AAdvantage, HHonors Diamond, WN RR A-list+
Posts: 584
I applied for both and was approved for the personal with a pretty good limit.
The business is pending, I called and she said there are errors found but there were no credit advisers available and to call back tomorrow or Tuesday if they were not open.
I'm paid as a 1099 and considered self employed, so I have a legitimate "story" for why I need both. Any tips for pushing them to approve it ?
The business is pending, I called and she said there are errors found but there were no credit advisers available and to call back tomorrow or Tuesday if they were not open.
I'm paid as a 1099 and considered self employed, so I have a legitimate "story" for why I need both. Any tips for pushing them to approve it ?
Feb 17, 2013, 8:43 pm
#36
Join Date: Feb 2013
Posts: 801
I applied for both and was approved for the personal with a pretty good limit.
The business is pending, I called and she said there are errors found but there were no credit advisers available and to call back tomorrow or Tuesday if they were not open.
I'm paid as a 1099 and considered self employed, so I have a legitimate "story" for why I need both. Any tips for pushing them to approve it ?
The business is pending, I called and she said there are errors found but there were no credit advisers available and to call back tomorrow or Tuesday if they were not open.
I'm paid as a 1099 and considered self employed, so I have a legitimate "story" for why I need both. Any tips for pushing them to approve it ?
Feb 17, 2013, 9:58 pm
#37
Join Date: Apr 2012
Location: Bay Area, CA
Programs: AAdvantage, HHonors Diamond, WN RR A-list+
Posts: 584
Tell the truth. One of the bloggers did a good writeup on the exact convo he had with the analyst, and mine went pretty much according to that. Before I could ask about splitting CL from personal, the analyst suggested it and I agreed and it was app'd. My (very legitimate) reason was based on wanting to keep my biz and personal expenses seperate for much simplified year-end tax deductions purposes. So much easier to total your deductions when you can say "i know that ALL my biz expenses are on the biz statements only"
Update: Called in and was approved for the Business card too! He asked a lot of questions about profit and expected income but I did get approved and that makes me very happy.
Last edited by poser; Feb 18, 2013 at 9:43 am
Feb 18, 2013, 10:52 pm
#38
Join Date: Nov 2012
Posts: 61
trying to figure out plan b for the SW companion pass. wife applied for plus personal and plus biz, but was rejected for biz. (business to young, not enough income, etc) called a few times- same answer. seems only option left is to apply for premier card. anybody have any experience holding both plus and premier at the same time? would it be better to cancel plus then apply for premier? what kind of time line should i be looking at? thanks
Feb 18, 2013, 11:03 pm
#39
Join Date: Jan 2013
Posts: 186
trying to figure out plan b for the SW companion pass. wife applied for plus personal and plus biz, but was rejected for biz. (business to young, not enough income, etc) called a few times- same answer. seems only option left is to apply for premier card. anybody have any experience holding both plus and premier at the same time? would it be better to cancel plus then apply for premier? what kind of time line should i be looking at? thanks
Feb 19, 2013, 8:50 am
#41
Moderator: Southwest Airlines, Capital One
Join Date: Sep 1999
Location: California
Programs: WN Companion Pass, A-list preferred, Hyatt Globalist; United Club Lietime (sic) Member
Posts: 21,619
My wife had to pass a phone interview to get her biz card. She gave the bank a clear and convincing story of her nascent business and won approval. She's becoming a credit card churning champion. I'm so proud of her!
Feb 19, 2013, 1:24 pm
#43
Join Date: Nov 2012
Posts: 61
thanks for the replys. i thought it would be no problem getting the biz card approved, but the CSR said that my wife didnt need a business card if she didnt have consistent profits over a long period of time. Instead of politely hanging up and trying again my wife made a snarky comment about Chase clearly understanding how a business should and should not be run as long as bailouts are available.... So that didnt go over well. anyway, i am just trying to figure out how long we should wait to apply for the premier version and if we should cancel the plus version after 4 months
Feb 19, 2013, 10:03 pm
#44
Join Date: Dec 2012
Location: Ord
Posts: 92
thanks for the replys. i thought it would be no problem getting the biz card approved, but the CSR said that my wife didnt need a business card if she didnt have consistent profits over a long period of time. Instead of politely hanging up and trying again my wife made a snarky comment about Chase clearly understanding how a business should and should not be run as long as bailouts are available.... So that didnt go over well. anyway, i am just trying to figure out how long we should wait to apply for the premier version and if we should cancel the plus version after 4 months
Feb 20, 2013, 12:58 pm
#45
Join Date: Nov 2012
Posts: 61
the app and phone calls were back in december and i did call back. talked to three different people. but they all referenced the first call and didnt budge. i really dont need any more comments about how easy it was for everyone else to get approved for the biz card. my thought was to wait about 4 months and try for the premier version and use the no foreign exchange fee as the reason for wanting the card. i was hoping other people may have gone this route and could provide some guidance on timing the next app, keeping or closing the other card, etc...