Now Is The Best Time To Apply For A Sapphire Reserve Or Business Platinum “Hybrid Card”

American Express is a DansDeals.com advertiser.

Earlier this week I explained the extreme value offered by “hybrid cards” like Chase Sapphire Reserve and AMEX Business Platinum.

Each of those cards offer 100,000 points for signing up and meeting the spend requirements.

The game changing aspect is that you can choose to transfer them into airline miles when tickets are expensive, or you can use them for paid tickets when tickets are less expensive. Combined with other cards you are looking at a value for travel of 2.25% back on everyday spend and up to 7.5% in specific spending categories on Sapphire Reserve for paid tickets (potentially more with transfers to miles). Or combined with other cards you’ll get a value of value for travel of 3% on everyday spend and up to 20% on Business Platinum (potentially more with transfers to miles). Yesterday’s post explains the nuances involved with those calculations.

The hybrid cards aren’t cheap, they cost $450/year each. But they come laden with benefits like lounge memberships (4 different varieties with AMEX Platinum or with unlimited free guests on Sapphire Reserve), elite status (3 with AMEX Platinum), 10 annual free in-flight WiFi with AMEX Platinum, bonus spend points (triple points on ravel and dining with Sapphire Reserve, Global Entry/Pre-Check fee refunds on both cards, and most importantly, the ability to increase the value of all of your AMEX or Chase points when redeeming for travel.

The annual travel credit that each card offers help reduce the effective annual fee.

-The Sapphire Reserve offers a very generous automatic $300 credit for anything that is travel related. All travel related transactions will be automatically refunded until you reach $300.

Unlike what some Chase reps may claim, you can earn that credit once per calendar year, not per cardmember year. But the key is that the spending needs to be completed before your December billing statement prints.

Right now you can apply for the card and take advantage of $900 in travel credits in your first cardmembership year. You can get $300 in travel credit before your December 2016 statement prints. You can get $300 in travel credit anytime after that point until your December 2017 statement prints, and you can get $300 in travel credit in December 2017 right after your December statement prints. Your first annual fee will be due in January 2017 and your next annual fee won’t be due until January 2018.

People that have been approved for the card now are reporting that their first due date will be between January 15-23. If you have a due date of January 15 that means your statement end date is December 18. If you have a due date of January 22 that means your statement end date is December 26. Try to spend a couple of days before then and you will be good to go.

-The AMEX Business Platinum offers a $200 credit for fees related to an airline of your choice. This credit goes strictly by calendar year, but the same concept applies here. If you apply now you can spend $200 in December 2016, $200 in 2017, and $200 on 1/1/18. Your first annual fee will be due in mid-January 2017 and your next annual fee won’t be due until mid-January 2018.

I’ll make another post shortly with a list of items that qualify for credits on both cards.

With either card you should be able take full advantage of a triple-dip now. That’s 3 travel credits in your first cardmembership year. Of course you’ll also get another travel credit credit in each subsequent cardmembership year that will help take most of the sting out of their $450 annual fees so that you can enjoy the cards other amazing benefits at an affordable cost.

There’s no better time to apply for either card than right now.

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125 Responses to “Now Is The Best Time To Apply For A Sapphire Reserve Or Business Platinum “Hybrid Card””

  1. Sam Says:
    1

    Yikes got approved nov 27. Any way 2 triple dip?

    ReplyReply
  2. Amex Gold Says:
    2

    Is there same benefits to have either Amex Business Gold Rewards Card or Amex consumer Rewards Gold together with Amex Business Platinum?
    I have consumer Amex Good and now they’re changing me $195 membership fees, so I thought to close it and open Business Gold + Business Platinum instead.
    Please advise.

    ReplyReply
  3. Joe Says:
    3

    Thank you so much Dan! Got my card 2 days ago and had thought I missed the 2016 credit!

    ReplyReply
  4. J Says:
    4

    I may be misunderstanding, but if I apply right now, I thought I cannot get the $300 for 2016 correct? Because the statement doesn’t close until January 2017.

    I would be getting the $300 from 2017 and then 2018. I’m confused how you get $900.

    Thank you.

    ReplyReply
  5. Yitz Says:
    5

    If I just opened the card, can I get a third $300 credit in January 2018? How much time do I have, after the second fee hits, to close the card?

    ReplyReply
  6. Shimon Says:
    6

    Can I ask for CPC in any Chase branch or just in my local one?

    ReplyReply
  7. Yossi B Says:
    7

    @Dan So if i get approved today, how much do I need to spend in order to get all the perks including the $900 in travel with the Sapphire Reserve?
    Thanks!

    ReplyReply
  8. Moshe Says:
    8

    is stament print date the same as statement close by date?

    ReplyReply
  9. Anonymous Says:
    9

    Can I apply for Amex Business Gold Rewards Card and Amex Business Platinum at the same time?
    Would they allow it?

    ReplyReply
  10. JohnnieD Says:
    10

    My wife just got the reserve card with a due date of 7 January. So if going by what you said, we should have our travel expenses done by 10 Dec ?

    ReplyReply
  11. joe Says:
    11

    should we do a 2 bm or those days are over

    ReplyReply
  12. Dan Says:
    12

    @Sam:
    You should be able to, find out when you payment due date or statement close date is.

    @Amex Gold:
    Each card offer its own unique benefits.

    @J:
    When is your next statement close or payment due date?

    @Yitz:
    Generally speaking you have 30 days after the statement with the annual fee prints to decide not to renew a card.

    Both these cards have benefits that make them well worth renewing though.

    @Shimon:
    Any, but unless you have $250K or are friendly with a banker it’s a long shot.

    @Moshe:
    Yes.

    @Anonymous:
    Yes.

    @JohnnieD:
    Right.

    @joe:
    Sure.

    ReplyReply
  13. Joe Says:
    13

    Hi Dan, I booked 3 united flights back in January for about a $1,000 from Jan 18-28. Now I see flights for $749 is there any way to get back those $250 per flight? My tickets are non refundable. I used cash and points through chase ultimate rewards website to book

    ReplyReply
  14. Daniel Says:
    14

    Can you make a post on how we can know what fare class we will be booked in if we book flights through the chase travel site? Or is there no way to know for sure? Because I booked a flight on the citi prestige travel site and almost every airline gave 0% mileage.

    ReplyReply
  15. Jason Says:
    15

    @J your payment is due in January but it will still be put on your December statement, therefore being charged in 2016 so 2016 credit will apply

    ReplyReply
  16. Isaac Says:
    16

    I got the CSR card last week, due date of 1/20 called up and my statement date was 12/24, already spent the $300 and got it refunded. It will reset on 12/25 and then that will count towards 2017 after that.

    ReplyReply
  17. Dan Says:
    17

    @Joe:
    Unlikely.

    @Daniel:
    Call and ask?

    @Isaac:
    Correct, enjoy!

    ReplyReply
  18. J Says:
    18

    @Dan I don’t have the card right now. I just got added to my parents CPC so I was planning on applying, but decided not to because I assumed I can’t get the 2016 credit.

    ReplyReply
  19. Dan Says:
    19

    @J:
    Based on DDF reports you should still be able to.

    ReplyReply
  20. Sam Says:
    20

    @Dan, my Gmail account has been hacked. It sent an email to a few people I have emailed (some of them long ago), and it had a link and said “check this out I never believed it” and signed my name. Someone forwarded it back to me asking if it’s a hack. I checked the address bar, it wasn’t actually from my Gmail, but it was my name @otake.org, so I emailed back everyone that it was, and then a couple minutes later, I got new email in the thread from mail delivery subsystem saying that it was intercepted.. and didn’t send. Any tips? What should I do?

    ReplyReply
  21. J Says:
    21

    @Dan Thanks! Just e-mailed the banker. Worth a shot.

    @Jason Thanks!

    ReplyReply
  22. First time Says:
    22

    What are chances of getting approved for Reserve card if this is my first card?
    If not too great, what are my options to start off?
    Thanks!

    ReplyReply
  23. Jacob Says:
    23

    I got my Reserve a couple months ago, but still haven’t spent all 300. My due date is Dec 1. Am I screwed?

    ReplyReply
  24. Yaakov Says:
    24

    Is Jan. 10 to early to triple-dip?

    ReplyReply
  25. chaim Says:
    25

    hi dan my due date is jan 8 2017!
    till when should i use the 300 ?

    ReplyReply
  26. Dan Says:
    26

    @Sam:
    Try http://forums.dansdeals.com/index.php?board=8.0

    @J:
    You don’t need a banker to apply.

    @First time:
    There’s no way to guess that. It may be easier to get a card like AMEX Starwood or Chase Freedom/Freedom Unlimited though.

    @Jacob:
    No. A due date of 12/1 means you’ll have a statement print on 12/26.

    @Yaakov:
    No.

    @chaim:
    You will have a statement print on 12/11.
    Try to finish a few days before then if possible.

    ReplyReply
  27. Chaya Says:
    27

    Does traveling include hotel?

    ReplyReply
  28. Dan Says:
    28

    @Chaya:
    Yes.

    ReplyReply
  29. moe Says:
    29

    Anyone know which lounge at JFK terminal 5 I can get in? And if the chase Sapphire Reserve will work? I think it’s the Airspace Lounge…

    ReplyReply
  30. Dan Says:
    30

    @moe:
    Priority Pass gets you into Air France Lounge Terminal 1, KAL Business Class Lounge Terminal 1, or Wingtips Lounge Terminal 4

    AMEX Plat gets you into those plus the Airspace in T5 and the Delta lounge in T2 and T4.

    ReplyReply
  31. sd1236 Says:
    31

    It seems you do not get elite status, but actually gold status for the 3 hotel chains. Please confirm.

    ReplyReply
  32. Dan Says:
    32

    @sd1236:
    Um, gold is an elite status level.

    ReplyReply
  33. AJ Says:
    33

    @Dan, if it’s per calendar year then wouldn’t the “$300 in travel credit in December 2017 right after your December statement prints” realy be your 2018 credit ? So I see the double dip 2016+2017 in first year, but not a tripple dip.

    ReplyReply
  34. Dan Says:
    34

    @AJ:
    $300 in December 2016 (pre-statement), $300 in January 2017, and $300 in December 2017 (post-statement).

    ReplyReply
  35. Anonymous Says:
    35

    I recently got approved for CSR and due date is 12/24 – i already took advantage of the 300$ for 2016 can i still triple dip? if yes how?

    ReplyReply
  36. deWeb Says:
    36

    @Dan, Is The Enhanced Business Platinum Card considered a different product/cart from “The Business Platinum Rewards Card® From American Express OPEN”?

    ReplyReply
  37. Dan Says:
    37

    @Anonymous:
    12/24 or 1/24?
    When were you approved?
    Did you get a statement yet?

    @deWeb:
    Same product as far as I know.

    ReplyReply
  38. dave Says:
    38

    just applied, i have 5/24 but one is a macy’s card (only store card) and 2 are AU’s, one chase and one amex, but application pending and called, they won’t give ma any info, they say they still need to look into it and will get back to me up to 30 days from now!
    what can i expect?
    credit is decent, i have 3 current (personal) credit cards, (one amex biz), plus 2 store cards, and some old closed cards, total history is about 5 years old

    ReplyReply
  39. David Says:
    39

    Besides rental car, hotel, air and train, what charge categories will qualify for the $300 back for travel?

    ReplyReply
  40. Wingit Says:
    40

    And don’t forget the potential $100 credit for renewing or enrolling in Global Entry.

    ReplyReply
  41. Mary Says:
    41

    If i apply today when will i get the card? Will i have enough time to spend the $300 after i get the card?

    ReplyReply
  42. YM Says:
    42

    FYI- NY EZ-pass is no longer considered a travel expense for Chase Reserve on auto pay since they changed the coding. However if you do a 1 time payment it shows up as a travel credit,it worked by me.

    ReplyReply
  43. Shlomo Says:
    43

    Does the business platinum count towards 5/24. I am able to get the sapphire in another month and I don’t want to mess it up.

    ReplyReply
  44. zev Says:
    44

    i applied a week ago and got refunded the 300 already. If in the beg of 2018 i spend 300 and then downgrade the card do they refund you the fee within 60 days as they used to with the CSP?

    ReplyReply
  45. mia flyer Says:
    45

    do you have to use the travel credit before the next one kicks in ? or they get stacked .
    what else can i use an airline credit for if im not flying (sapphire reserve )

    ReplyReply
  46. Moshe Zeines Says:
    46

    Hey Dan, I have 100k points on my Chase Sapphire Preferred card. If I open a Reserve card can I transfer over my Sapphire points to make those more valuable?

    ReplyReply
  47. Anonymous Says:
    47

    what triggers 200 amex credit?

    ReplyReply
  48. Dan Says:
    48

    @David:
    I’ll make another post on that.

    @Mary:
    YMMV, but you should.

    @YM:
    I’ve posted that before.

    @Shlomo:
    It won’t count towards 5/24.

    @zev:
    30 days.

    @mia flyer:
    It goes by the statement date.

    @Moshe Zeines:
    Yes.

    @Anonymous:
    I’ll make another post on that.

    ReplyReply
  49. Anonymous Says:
    49

    @Dan:

    12/24, approved Oct 11th.

    ReplyReply
  50. Dan Says:
    50

    @Anonymous:
    I wouldn’t call that recently.

    A due date on the 24th of the month means a close date on the 27th of the month. As long as you spend before 12/27 it’s fine.

    ReplyReply
  51. David Says:
    51

    Besides rental car, hotel, air and train, what charge categories will qualify for the $300 back for travel? Please advise

    ReplyReply
  52. Dan Says:
    52

    @David:
    “I’ll make another post shortly with a list of items that qualify for credits on both cards.”

    ReplyReply
  53. AJ Says:
    53

    What’s the earliest we could have gotten the CSR to triple dip? I’m assuming it’s today right…

    ReplyReply
  54. Dan Says:
    54

    @AJ:
    It’s not a science.
    No.

    ReplyReply
  55. AY Says:
    55

    Is the $300 credit per card per year, or per account per year (is it worth getting an additional card for spouse)?

    ReplyReply
  56. RL Says:
    56

    Dan, I received my card yesterday and it shows next payment due Jan 19th. Confirming that I am good to spend $300 travel credit if spent in December and then another $300 btwn Jan and Dec 2017?

    ReplyReply
  57. CUBS FAN Says:
    57

    Dan,

    Your leaving out a critical point and that is for AMEX Platinum you need to spend $15k in 3 months to get the 100,000 MR points. That is a large minimum spend threshold.

    ReplyReply
  58. Israel Says:
    58

    I just applied for CSR, got application pending, called reconsideration and was told I will be denied due to me applying for Ink Cash card earlier this month- but after some pleading and shifting credit from Freedom over to CSR, was approved 🙂 Looking forward to triple dipping! Thx Dan!

    ReplyReply
  59. J Says:
    59

    @dan if I already have a regular sapphire card do I need to apply for a totally new card to get this offer or can I call and ask them to upgrade my card and get the points etc .

    ReplyReply
  60. Mel Says:
    60

    I applied today and it says decision pending …. will getting approved in a couple of days be to late ?

    ReplyReply
  61. northjersey Says:
    61

    @dan I know some cc companies wont give one bonus if you have had similar card in past. If I currently have spg amex company card can I apply and still get bonus for amex company platinum card. I am pretty sure I can just would love clarification.

    ReplyReply
  62. Berel Says:
    62

    @Dan does the sign up bonus only apply to new Plantinum car holders? I canceled my last one in Dec 2014. Am I eligible.
    Thanx

    ReplyReply
  63. Joe Says:
    63

    Can I get into the lounges without having an airline ticket?

    ReplyReply
  64. Dan Says:
    64

    @AY:
    Per account.

    @RL:
    Your statement should close on 12/22.

    @CUBS FAN:
    This post is about the benefits, not the signup bonus.

    @Israel:
    Well done!

    @J:
    You need to apply for a new card to get the 100K bonus.

    @Mel:
    Impossible to say for sure.

    @northjersey:
    You will get the bonus.

    @Berel:
    Did you have a consumer or business platinum?

    @Joe:
    You may be able to, but most lounges are post-security anyway.

    ReplyReply
  65. Berel Says:
    65

    @Dan: Business

    ReplyReply
  66. David Says:
    66

    Any GCs that I can buy to get the travel credit that are good for resale?

    ReplyReply
  67. JMS Says:
    67

    I have had the Amex Business Platinum in the past so I wouldn’t be eligible for the signup bonus, correct? Would you say it’s still worth it just to have the ability to get 50% points rebate? I have the CSR and personal Amex Platinum so I already have all the other benefits (besides the 10 go-go passes)

    ReplyReply
  68. Dan Says:
    68

    @Berel:
    @JMS:
    You probably won’t get the bonus, but the 10 GoGo passes and 50% rebate are likely to be worth the fee, especially with the travel credit.

    Of course the real question is if the consumer AMEX Platinum is worth keeping.

    @David:
    Yes.
    I’m making a post on that now.

    ReplyReply
  69. JK Says:
    69

    Any concerns around the chatters of amex freezing people’s points accounts for applying platinum cards?

    ReplyReply
  70. Dan Says:
    70

    @JK:
    That was only for people that applied with a hacked link last month that I purposefully ignored when it was making the rounds this time around.

    The link in this post is legit.

    ReplyReply
  71. Raphael Says:
    71

    What is a travel charge on the Amex card

    ReplyReply
  72. Dan Says:
    72

    @Raphael:
    “I’ll make another post shortly with a list of items that qualify for credits on both cards.”

    ReplyReply
  73. Dawie Says:
    73

    Can you choose your statement end date?

    ReplyReply
  74. anon Says:
    74

    Why no link to sign up for CSR?

    ReplyReply
  75. Dan Says:
    75

    @Dawie:
    You can choose your due date.
    If you choose a due date of the 25th of the month for example the statement will close on the 28th of the month.

    @anon:
    “You can view credit card offers by clicking on the “Credit Card Offers” tab on top of the DansDeals banner to view links for card offers or view offers via the CreditCards.com banners on the side of this site.”

    ReplyReply
  76. CSR Says:
    76

    Approved thanks Dan!

    ReplyReply
  77. Dan Says:
    77

    @CSR:
    Congrats!

    ReplyReply
  78. JMS Says:
    78

    @Dan: That is a good question; I’ve been pondering the same. I do have the Morgan Stanley version of the consumer Platinum, which means my wife has a free AU card. But still, might not be worth it if I get the Business. What do you think?

    ReplyReply
  79. Dan Says:
    79

    @JMS:
    Depends on how often she takes advantages of the benefits of that AU card and how often you use the card to earn 5 points per dollar for paid flights.

    ReplyReply
  80. Chaya Says:
    80

    At bank now, said need to be approved which can take 7-10 days, statement won’t print until January 2017. Is that ok?

    ReplyReply
  81. Yossi Says:
    81

    Any way to get the CSR as a business card?

    ReplyReply
  82. Izzy Says:
    82

    Any good ideas on how to get the airline credit on the Amex Platinum? Do you think a Southwest gift card works?

    ReplyReply
  83. Achshell Says:
    83

    Does anyone know what is happening with the chase freedom 5 points categories? It’s almost new quarter, but nothing posted. Is there truth to the rumors that they are merging with Freedom Unlimited?

    ReplyReply
  84. Yerach Says:
    84

    I want to combine my chase inquires (and give myself time to deal with recon) must i wait till the morning to apply, or is past 12 AM considered the next day? Do i need to worry about another time zone other than mine – EST?
    Thank you.

    ReplyReply
  85. J Says:
    85

    Thank you Dan! Your post today motivated me to apply for CSR today and I got auto approved. (8/24 but with CPC).

    ReplyReply
  86. Dan Says:
    86

    @Chaya:
    Call reconsideration.

    @Yossi:
    No

    @Izzy:
    It does.

    @Achshell:
    They haven’t announced new categories until the day before recently.

    @Yerach:
    I’d wait until the morning.

    @J:
    Congrats!

    ReplyReply
  87. Jay Says:
    87

    I’ve seen a number of references to something called CPC. What is that please?

    ReplyReply
  88. NatiG Says:
    88

    There’s a department called reconstruction? What should Chaya ask reconstruction for? I’m in the same boat.

    ReplyReply
  89. Apd Says:
    89

    I am CPC but was declined, then declined again on the phone, but I Sent a secure message and was approved on the third try! thnx dan!
    Is there any reason to hold onto my sapphire preferred card that I’ve had the past few years if im planning on keeping my new CSR card? (i have other cards that are older besides this)

    ReplyReply
  90. Deals Says:
    90

    How is it even possible to still apply, get approved (even instantly), have the card shipped, and still have a closing date in December? It is already December 2 now.
    Doesn’t that make your first closing date at minimum 30 days from today, which would me in January?

    ReplyReply
  91. Josh95 Says:
    91

    I see that on Dec 1ST i was charged the yearly fee not like mentioned in the post, is this an issue? My airline ticket is still pending charge. Chase told me that Dec 8 my statement prints & not due till Jan 5th.

    ReplyReply
  92. Wingit Says:
    92

    @Apd: I don’t see why hold onto CSP. Just consider moving all UR points to another open account and consider moving some of it’s CL to another account as well – before closing it.

    ReplyReply
  93. Dan Says:
    93

    @Jay:
    http://www.dansdeals.com/archives/94751
    @Apd:
    Nice!
    Downgrade it to Freedom or Freedom Unlimited.

    @Deals:
    Card is sent overnight and first statement generates this month.

    @Josh95:
    That’s fine.

    ReplyReply
  94. Chaim Says:
    94

    I had a Amex Business Platinum card and cancelled it appox 1 year ago. What is the current Amex policy on how long I need to wait before I can apply again and get the points?

    ReplyReply
  95. Rochel Says:
    95

    Would buying a hotel or airline gift card qualify for the chase travel credit ?

    ReplyReply
  96. RR Says:
    96

    @Dan I just applied to both cards 2BM and got “app under review” which in my expirience always ends in rejection. What are the #’s for HUCA? And what should I say (my credit is great but have an old bankruptcy from 7 years ago, I think thats the issue)?? Thanks!!

    ReplyReply
  97. Danfan Says:
    97

    For the Amex platinum Signup Bonus, do you have to spend 15000 in 3 months?
    Any ideas how to track that spending threshold?

    ReplyReply
  98. torah 613 Says:
    98

    @Dan

    I signed up for the Reserve card for my wife and i about a month ago, and we both got a charge for the $450 annual fee.

    I thought you said we don’t get charged until next year?!?

    ReplyReply
  99. Dan Says:
    99

    @Rochel:
    Yes.

    @torah 613:
    When did I say that?

    ReplyReply
  100. Anonymous Says:
    100

    @Dan if my Amex platinum statement already closed on Dec 2, (next closing is in Jan) did I already miss the boat for 2016 travel credit?

    ReplyReply
  101. Dan Says:
    101

    @Anonymous:
    No. You have until 12/31 with AMEX.

    ReplyReply
  102. Tommy g Says:
    102

    Got approved for Amex Biz Plat!!😀 Thanks Dan! Says it’ll arrive within 10 days, am I still good going for $200 travel rebate in 2016?

    ReplyReply
  103. Dan Says:
    103

    @Tommy g:
    Sure!

    ReplyReply
  104. Tommy g Says:
    104

    Thanks @dan is the man!!!

    ReplyReply
  105. Isaac Says:
    105

    I just got approved for the CSR and have a print date of Jan 1st. A respresentative told me that my date can’t be made any earlier. Does that sound right? Is there anyway to still get the 2016 travel credit? Thanks!

    ReplyReply
  106. Dan Says:
    106

    @Isaac:
    When is your payment due date?

    ReplyReply
  107. Isaac Says:
    107

    @Dan I think she said the 26th? I can call back and get the exact date. What date range am I looking for it to be?

    ReplyReply
  108. Dan Says:
    108

    @Isaac:
    I would ask to make your due date the 25th, spend the $300, and hope your bill closes on December 28th.

    ReplyReply
  109. Marc Says:
    109

    Just got approved and due date is 1/28. Will my statement print in Dec? If not, can I request to have the date moved up the it prints in Dec?

    ReplyReply
  110. Dan Says:
    110

    @Marc:
    It will print 12/31, you’re good to go!

    When did you apply and get approved?

    ReplyReply
  111. Chanie Says:
    111

    @Dan Any specific instance it would be recommended to use my chase saphire preferred if I have received the chase reserve?

    ReplyReply
  112. Marc Says:
    112

    @Dan: I applied for Sapphire Reserve Thursday night after midnight and got a pending response. I called reconsideration this morning and they approved me by transferring a part of a credit line from another card. The account immediately posted to my online account with a Due date of 1/28.

    Thanks Dan!!

    ReplyReply
  113. CSR Says:
    113

    I applied 12/1 5:15 pm got approved instantly with due date 1/20

    ReplyReply
  114. Dan Says:
    114

    @Chanie:
    Downgrade it to Freedom or Freedom Unlimited.

    @Marc:
    Perfect!

    @CSR:
    Great!

    ReplyReply
  115. Mr. CC Says:
    115

    @Marc: better change your due date to the 25th or before that, no statements close after the 28th

    ReplyReply
  116. Dan Says:
    116

    @Mr. CC:
    Bah, good point!

    ReplyReply
  117. Mirelle Says:
    117

    @Dan Does the ability to get $900 credit mean I will be charged another $450 annual fee after December 2016?

    ReplyReply
  118. Nate Says:
    118

    Hey Dan, if I apply for the card today Sunday December 4th, will I get it in time to get the 300 dollar travel credit? Also, does the 450 annual fee just post and I pay for it, or does using the travel credit apply towards the annual fee

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  119. Dan Says:
    119

    @Mirelle:
    No, you pay the fee on your card anniversary.

    @Nate:
    http://www.dansdeals.com/archives/101084

    ReplyReply
  120. eli Says:
    120

    I applied online on 12/01 for both myself and my wife, she was approved immediately. i was told mine was pending. I called today and was told still pending. anything to do to expedite it?

    ReplyReply
  121. Jon Says:
    121

    If I apply now, do you think I will have time to get the travel credit for 2016 still? Thanks

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  122. Ben P Says:
    122

    Dan – does the travel credit counter take into account right when you spend it (or relatively shortly) or only after statement closes? In other words, how do I check (I read the post but this is bit different) if a specific type of purchases counts towards the 300 spending requirement. I put $50 on today and if I can confirm it counts, I will spend the other 250 right away.

    ReplyReply
  123. Greg Says:
    123

    Dan – I applied the day after this post, and got the card in the mail yesterday. My first due date is Feb 1 and they told me it takes a few cycles before the date change can happen. Is this true? I sent a request through DM instead of calling… methinks I need to call.

    ReplyReply
  124. moshe Says:
    124

    i forgot to unfreeze my credit report, i did 4bm chase responded they need more time to process my application i called recon they told me to unfreeze and call again i unfroze when i called back the rep told me it will be separate credit pulls for every application is that true? if yes whats best to do now?

    ReplyReply
  125. Michael Says:
    125

    Hi, I just got the Amex Platinum and they said it will not work for any gift cards do you know for sure which ones will work?

    ReplyReply

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