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!
Oct 26, 2023, 1:20 pm
#4501
Join Date: Jun 2008
Posts: 58
I applied to a business card more than a week ago, still waiting on decision. I have three questions here!
1. If I get declined on that card, can I still apply for 2 personal cards, more than 30 days apart from each other?
2. And can I apply for a personal card while the business card is still under consideration, or should I wait for a decision first?
3. Should I call the reconsideration line for business card? I don't have much of a business, so I don't know if calling will help. I've read a gazillion blog posts on this but I can't tell what the most recent advice on this is.
1. If I get declined on that card, can I still apply for 2 personal cards, more than 30 days apart from each other?
2. And can I apply for a personal card while the business card is still under consideration, or should I wait for a decision first?
3. Should I call the reconsideration line for business card? I don't have much of a business, so I don't know if calling will help. I've read a gazillion blog posts on this but I can't tell what the most recent advice on this is.
Last edited by himavant; Oct 26, 2023 at 1:34 pm
Dec 7, 2023, 5:15 pm
#4502
Join Date: Nov 2019
Location: RDU
Programs: HH Diamond, AA Gold, Marriot Plat
Posts: 209
Hey flyers,
I was approved for the SW business in late November 2023. I have big spending in the coming weeks and applied for the personal card on December 4th. The application went into review along with the 7-10 days message. I didn't get any email like usual, even when it go into review and no status in the Chase portal, although I see an inquiry via Experian. Do you think I should call recon and ask why? Very weird.
I was approved for the SW business in late November 2023. I have big spending in the coming weeks and applied for the personal card on December 4th. The application went into review along with the 7-10 days message. I didn't get any email like usual, even when it go into review and no status in the Chase portal, although I see an inquiry via Experian. Do you think I should call recon and ask why? Very weird.
Dec 7, 2023, 6:09 pm
#4503
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
Hey flyers,
I was approved for the SW business in late November 2023. I have big spending in the coming weeks and applied for the personal card on December 4th. The application went into review along with the 7-10 days message. I didn't get any email like usual, even when it go into review and no status in the Chase portal, although I see an inquiry via Experian. Do you think I should call recon and ask why? Very weird.
I was approved for the SW business in late November 2023. I have big spending in the coming weeks and applied for the personal card on December 4th. The application went into review along with the 7-10 days message. I didn't get any email like usual, even when it go into review and no status in the Chase portal, although I see an inquiry via Experian. Do you think I should call recon and ask why? Very weird.
Feb 7, 2024, 10:55 am
#4504
Join Date: Feb 2017
Posts: 19
I got the Companion Pass + 30K points last spring and cancelled my card about a month ago (CP expires end of month). I received another email for the same offer today and was wondering: while I know I'm not eligible for the points bonus yet (within 24 months), is there any restriction on getting another Companion Pass? I read through the terms and didn't see any limitations with regard to timing like the 24 months mentioned in the bonus points section. Can anyone confirm that I could potentially sign up again and get just the CP without the bonus points?
Feb 7, 2024, 11:13 am
#4505
Join Date: May 2002
Location: St Louis, MO
Programs: AA L.T. PLT
Posts: 3,294
I got the Companion Pass + 30K points last spring and cancelled my card about a month ago (CP expires end of month). I received another email for the same offer today and was wondering: while I know I'm not eligible for the points bonus yet (within 24 months), is there any restriction on getting another Companion Pass? I read through the terms and didn't see any limitations with regard to timing like the 24 months mentioned in the bonus points section. Can anyone confirm that I could potentially sign up again and get just the CP without the bonus points?
For instance, I'm going for the 2 year CP and back in 2021 I was approved for the business card and received the bonus in late January of 2022. Fast forward to early Dec of 2023 and I applied again and was turned down. I waited until the 2 year mark (mid-January) and applied again and was approved. I don't know if it would be 1 or 2 years in your case but whatever the time limit is you need to wait for the anniversary date of your bonus posting. Even if you would forgo the bonus, they won't approve you for the card.
Last edited by pkerr; Feb 7, 2024 at 2:25 pm
Feb 7, 2024, 11:16 am
#4506
Join Date: May 2002
Location: St Louis, MO
Programs: AA L.T. PLT
Posts: 3,294
I applied to a business card more than a week ago, still waiting on decision. I have three questions here!
1. If I get declined on that card, can I still apply for 2 personal cards, more than 30 days apart from each other?
2. And can I apply for a personal card while the business card is still under consideration, or should I wait for a decision first?
3. Should I call the reconsideration line for business card? I don't have much of a business, so I don't know if calling will help. I've read a gazillion blog posts on this but I can't tell what the most recent advice on this is.
1. If I get declined on that card, can I still apply for 2 personal cards, more than 30 days apart from each other?
2. And can I apply for a personal card while the business card is still under consideration, or should I wait for a decision first?
3. Should I call the reconsideration line for business card? I don't have much of a business, so I don't know if calling will help. I've read a gazillion blog posts on this but I can't tell what the most recent advice on this is.
2. You can apply while the BIZ card is under review
3. I've called about a SWA BIZ card application and they couldn't tell me much other than it had gone to another dept.
Feb 7, 2024, 11:23 am
#4507
Join Date: Feb 2017
Posts: 19
My experience applying and getting rejected and then eventually approved is that when it comes to the approval for a card with a bonus, it has to be 2 years from the time you RECEIVED the bonus before you will be approved.
For instance, I'm going for the 2 year CP and back in 2021 I was approved for the business card and received the bonus in late January of 2022. Fast forward to early Dec of 2023 and I applied again and was turned down. I waited until the 2 year mark (mid-January) and applied again and was approved. I don't know if it would be 1 or 2 years in your case but whatever the time limit is you need to wait for the anniversary date of your bonus posting. Even if you would forgo the bonus, they won't approve you for the card.
For instance, I'm going for the 2 year CP and back in 2021 I was approved for the business card and received the bonus in late January of 2022. Fast forward to early Dec of 2023 and I applied again and was turned down. I waited until the 2 year mark (mid-January) and applied again and was approved. I don't know if it would be 1 or 2 years in your case but whatever the time limit is you need to wait for the anniversary date of your bonus posting. Even if you would forgo the bonus, they won't approve you for the card.
Feb 7, 2024, 2:23 pm
#4508
Join Date: May 2002
Location: St Louis, MO
Programs: AA L.T. PLT
Posts: 3,294
Eventually I'll be in that same boat as my earned date of my bonus from the previous years keeps creeping forward.