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 31, 2013, 12:59 pm
#586
Join Date: Sep 2013
Posts: 222
Premier then plus
I applied for the Premier back in March 2013 and thought Chase may wonder why I want the lower version of the personal card after already having the 'better' one.
The only thing I could think of to say was "to separate airline bookings for my relatives".
If I had done the Plus first then the Premier I could use all the perks like no foreign transaction fees etc.
Luckily, they did not ask anything. They only need to verify that it was indeed me applying for the card.
Oct 31, 2013, 1:07 pm
#587
Join Date: Oct 2011
Posts: 4,166
I actually thought about this the other day when applying for the Plus card on Monday.
I applied for the Premier back in March 2013 and thought Chase may wonder why I want the lower version of the personal card after already having the 'better' one.
The only thing I could think of to say was "to separate airline bookings for my relatives".
If I had done the Plus first then the Premier I could use all the perks like no foreign transaction fees etc.
Luckily, they did not ask anything. They only need to verify that it was indeed me applying for the card.
I applied for the Premier back in March 2013 and thought Chase may wonder why I want the lower version of the personal card after already having the 'better' one.
The only thing I could think of to say was "to separate airline bookings for my relatives".
If I had done the Plus first then the Premier I could use all the perks like no foreign transaction fees etc.
Luckily, they did not ask anything. They only need to verify that it was indeed me applying for the card.
Oct 31, 2013, 3:27 pm
#588
Join Date: Dec 2005
Location: San Diego, CA
Programs: AS MVP, WN AList
Posts: 66
Premier doesn't have foreign transactions fees. Is the plus a visa signature? The premier is, and I think that comes with some minor perks (e.g., buying certain concert tickets at events sponsored by Visa... maybe some rental car insurance benefits?)
Oct 31, 2013, 3:36 pm
#590
Join Date: Oct 2011
Posts: 4,166
Oct 31, 2013, 4:53 pm
#591
Join Date: Jun 2012
Posts: 55
Not too happy with Chase right now! My husband applied for the Southwest Business card and received the "need more info" notice. When he called the recon line he was told that because he had 11 new cards in the past 12 months they couldn't extend more credit. He told the agent this wasn't correct, but was told he would get the rejection letter with an explanation in the mail.
After he hung up, he pulled his credit report from Equifax and sure enough, he only had 4 new cards in the past year including 1 personal from Barclay, 1 personal from Citi, 1 personal from Chase, and 1 Business from Chase last November. He has a debt to credit ratio of 1% and a Credit score of 785 (Transunion). We pay our credit cards in full every month, paid off our mortgage, have no car loans, and have not had a late payment in 30 years! Not exactly a big credit risk for any bank!
He called the recon number back and spoke with another agent and after reviewing the application, she said that because of the 5 new cards in the past year she could not extend more credit. Did you catch that?!?! The first agent said 11 new cards in the past 12 months....the new agent said 5 cards in the past 12 months! He told her he had the credit report open in front of him and he had received 4 cards, not 5 in the past 12 months and that one of those 4 cards will soon be out of the 12 month time period. She reiterated that she could not extend any more credit. He told her he didn't need additional credit, that he would be fine with her taking some from the Ink Bold credit line. Nope-she wouldn't budge. He told her how unhappy he was with the inaccuracy of the other agent (and her as well) and asked to speak with a supervisor. He was placed on hold for awhile only to be told that a supervisor wasn't available and that one would call him tomorrow.
What ever happened to the "easy going" attitude of Chase? Do they not like long-standing customers who pay their bills on time and in full? Are we being punished because we paid off the mortgage that Chase held ahead of time? .....You have to wonder......
After he hung up, he pulled his credit report from Equifax and sure enough, he only had 4 new cards in the past year including 1 personal from Barclay, 1 personal from Citi, 1 personal from Chase, and 1 Business from Chase last November. He has a debt to credit ratio of 1% and a Credit score of 785 (Transunion). We pay our credit cards in full every month, paid off our mortgage, have no car loans, and have not had a late payment in 30 years! Not exactly a big credit risk for any bank!
He called the recon number back and spoke with another agent and after reviewing the application, she said that because of the 5 new cards in the past year she could not extend more credit. Did you catch that?!?! The first agent said 11 new cards in the past 12 months....the new agent said 5 cards in the past 12 months! He told her he had the credit report open in front of him and he had received 4 cards, not 5 in the past 12 months and that one of those 4 cards will soon be out of the 12 month time period. She reiterated that she could not extend any more credit. He told her he didn't need additional credit, that he would be fine with her taking some from the Ink Bold credit line. Nope-she wouldn't budge. He told her how unhappy he was with the inaccuracy of the other agent (and her as well) and asked to speak with a supervisor. He was placed on hold for awhile only to be told that a supervisor wasn't available and that one would call him tomorrow.
What ever happened to the "easy going" attitude of Chase? Do they not like long-standing customers who pay their bills on time and in full? Are we being punished because we paid off the mortgage that Chase held ahead of time? .....You have to wonder......
for business I called was greeted with a Chase lending service message and hold time was over 10 minutes , just hung up .. lot of people trying to get in on this deal .. i guess
Oct 31, 2013, 5:13 pm
#593
Join Date: Jul 2012
Location: STL
Programs: Hyatt Platinum, Hilton Gold
Posts: 521
That's true, it could've been any card! Oh well. I wonder why they call it a "business" card then? I agree about not to comingle personal and biz expenses, but the main reason why I didn't want to use my own SS# is because I didn't want the personal credit check/inquiry. I read that if you use a federal ID# rather than your own SS# you will only get a soft inquiry and not a hard inquiry. I could be wrong, though.
Nov 1, 2013, 7:34 am
#594
Join Date: Dec 2001
Location: Orlando, FL, USA
Posts: 2,398
Interesting. I just went on (9AM Eastern time)the main page for Chase rewards cards. Clicked on the Southwest Premier card link and it still shows the 50K promo being offered. It does have a "limited time offer: green ribbon in the upper right corner of the splash page but there is no "offer ends October 31, 2013" at the bottom of the page as there was before. When I click through to the actual application page, again there is no mention of the October 31 cut-off. Do you think this means the offer is still available on Nov. 1 or is it just a case of Chase not yet having changed the promo?
Nov 1, 2013, 8:11 am
#595
Join Date: Oct 2011
Posts: 4,166
I left the RR# blank on my wife's app and SM'd Chase for the number. Got a reply stating that they have created a new account and are sending a new card with the new number and I should destroy the old one. All I wanted was for them to tell me the number, jeez. Haven't even received the first card yet. This is why I wish Chase had live chat.
Nov 1, 2013, 8:26 am
#596
Join Date: Apr 2012
Location: Bay Area, CA
Programs: AAdvantage, HHonors Diamond, WN RR A-list+
Posts: 584
I applied for the Business/Personal and I was asked why I did when I called to get them approved and told them I need to separate purchases. If they ask tell them you travel for work and need to have separate cards for that reason or something along those lines.
Nov 1, 2013, 12:19 pm
#597
Join Date: Sep 2006
Posts: 146
Interesting. Can anyone confirm this? i.e. That using a Federal EIN (Employer Identification Number) for a credit application does a soft inquiry of one's credit report? (I searched a bit, but cannot find much support for this. Seems as though some business card apps are known to do soft pulls, but that's a function of the card, not of whether applicant used SSN or EIN.)
Nov 1, 2013, 3:37 pm
#600
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,192