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Expedite Your 100,000 Point Sapphire Reserve Signup Bonus; Can You Get The Signup Bonus With Only $3,700 In Spending?

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Related posts:
Chase’s Highest Ultimate Rewards Signup Bonus Ever: Sapphire Reserve 100,000 Point Bonus Is Now Live; Get $2,100 In Travel!
-What Should You Do With Your Sapphire Preferred Card After Getting A Sapphire Reserve Card?
-On The Topic Of Chase 5/24


Chase launched the Sapphire Reserve card 4 weeks ago and it’s been a wildly successful card launch. Within a week they ran out of the metal that the cards were supposed to be made out of and started sending out temporary plastic cards to new signups.

The card offers 100,000 points for spending $4,000 as well as $300 in automatic travel refunds every calendar year. 100,000 points is worth a minimum of $1,500 towards travel with this card.

The first year’s annual fee is $450, but the actual out of pocket fee for the first year is negative $150 due to $300 of refunds in 2016 and $300 of refunds in 2017. Purchases that can be refunded include any charges for airfare, car rentals, hotels, Airbnb, campgrounds, cruises, or transportation which includes trains, buses, subways, Uber, Lyft, taxis, limos, ferries, bridges, tolls, E-ZPass, and parking. Every time you charge one of those items to your card you’ll get an automatic credit until you’ve used $300 in credits that calendar year.

A common question has been whether you will get the signup bonus if you spend $4,000 but it falls to just $3,700 in charges due to the automatic travel refunds. People were also wondering if you will receive the 3 points per dollar on travel spending that is refunded.

I just received my 100,000 point bonus after spending $4,000 including $300 of travel spending and can confirm that you will get the bonus even if you spend falls to $3,700 after the $300 is refunded. You also will earn 900 points from the $300 of travel spending even though Chase refunds it. That’s another $13.50 of free travel just for using the $300 annual free travel benefit!

Chase awards the 100,000 points either on the statement on which you complete the spending or on the following statement if you complete the spending requirement too close to the statement close date.

You can check if your next statement will include the 100,000 bonus by going to the Sapphire Reserve’s Ultimate Rewards page:

chase

 

 

 

 

 

I was also able to get those points added to my account within a few days by just changing my bill’s due date. To do that from the old Chase.com interface click on “See more information” under the Sapphire Reserve and then “Change bill due date.” To do that from the new Chase.com interface click on “things you can do,” then “Update settings and preferences” and then “Payment due date.” Or you can just call the number on the back of your card.

I got a statement on September 3rd for my Sapphire Reserve with a bill due date of the 28th of the month. On 9/16 I noticed that my 100,000 points were pending. I changed my due date to the 16th of the month and the bill printed yesterday along with the 100,000 points:

sapphire

 

 

 

 

 

 

-I was able to help a friend apply for and get approved for a Sapphire Reserve, Sapphire Preferred, and Ink Plus via 3BM for over 200K signup points!

-If you haven’t yet applied for Sapphire Reserve you should read the post on 5/24. It contains important information about what you should do about additional user cards that may hinder an approval.

Dozens of DDF’ers have been able to get approved after becoming Chase Private Clients by requesting that status from a Chase banker.

Sapphire Reserve offers 3 points per dollar on:
-Airfare, including tickets bought from travel agents and online agencies.
-Timeshares (just in case you’re a real sucker)
-Car rentals.
-Hotels, Airbnb, and campgrounds.
-Restaurants, fast food, coffee shops, bars, and lounges.
-Cruises
-Transportation including trains, buses, subways, Uber, Lyft, taxis, limos, ferries, bridges, tolls, E-ZPass, and parking.

There are no foreign transaction fees.

You’ll be able to access over 900 clubs worldwide with Priority Pass and you can bring unlimited guests with you into the lounge for free! That includes lounges with kosher food and wine in Newark and Tel Aviv. You can call Chase to enroll in Priority Pass or you can enroll online here.

Every 4 years you can get a $100 credit for a 5 year Global Entry membership which also includes TSA pre-check. That means you can skip the lines and forms when flying back from abroad and you can leave your shoes on, laptops in their bags, and go through metal detectors when flying from the US.

Additional cardholders cost $75/year and include a Priority Pass membership with free guesting privileges as well.

Increased cash back or miles:
The Sapphire Reserve allows you to use all your Chase points for 1.5 cents each per dollar towards travel. You can transfer points from any Chase card to Sapphire Reserve to make them more valuable.
Previously it’s always been worth transferring Chase points into real airline miles and hotel points.
But at about 1.5 cents per dollar it can start making sense to consider redeeming points directly for paid travel without transferring them into miles. That’s especially true as those fares, as opposed to traditional mileage tickets, also earn additional miles. You can still do much better with miles when hunting for last minute tickets or for premium class tickets, but for regular coach tickets this will be hard to beat.

The ability to choose between 1.5 cents per dollar or mileage transfers make Sapphire Reserve an incredibly versatile credit card.

The 1.5 cents per dollar redemption option also means the travel and dining categories on this card earn at least 4.5% per dollar.

The Chase Freedom Unlimited card earns 1.5 points per dollar everywhere. Having the Sapphire Reserve makes everyday spending on that card worth at least 2.25%. I downgraded my old Sapphire Preferred to Freedom Unlimited and use it for everyday purchases.

Chase Freedom and Ink cards also have 5 point category bonuses and those will be worth at least 7.5% if you have the Sapphire Reserve.

As a Visa Infinite card, it also comes with some benefits like discounts on car rentals (including 30% off Silvercar).

Sapphire Reserve comes with primary rental car CDW insurance in every country in the world. Most other cards only have secondary coverage when you rent a car in your home country. This means that if you damage your rental vehicle you must file the claim with your own personal insurance policy first, and only if they won’t cover the damage will the credit card cover the damage. Even additional cardholders get primary coverage when they rent.

Most credit cards also exclude countries like Israel from coverage, however all Chase cards cover you worldwide, including in Israel. And they will give you a letter of coverage stating that you are covered in Israel so that you don’t have to argue at the rental car counter that your Chase Visa does give CDW coverage.

Plus you get triple points on car rentals, meaning there is no better card out there for car rentals!

-Trip cancellation insurance is free.
Trip cancellation reimburses up to $10,000 per person, up to $20,000 per trip, and up to $40,000 per year if you need to cancel for injury, death, or sickness experienced by you, a traveling companion, or an immediate family member of you or your traveling companion. Other covered reasons include severe weather, military orders, terrorism, jury duty, home dwelling becoming inhabitable, quarantine, or financial insolvency of the travel agency or operator of your trip.

Other card benefits include:
-Price protection. Find a lower price in a store or online on a non-auction site within 90 days and get back up to $500/item and $2,500/year.
-Return protection. Return an item to a store that won’t take back an item for up to 90 days ($500/item, $1,000/year)
-Purchase protection: 120 days of protection in case of damage or theft on items you buy ($10,000/item, $50K/year)
-Warranty protection: An extra year of warranty coverage on purchases ($10K/item, $50K/account)
-Lost Luggage Protection: If your checked or carry-on bags are lost you can be reimbursed by up to $3,000 per person.
-Trip Delay Protection: If you are delayed that either requires an overnight stay or is more than 6 hours you can be reimbursed for up to $500 in expenses per person.
-Baggage Delay Protection: If your bags are delayed by more than 6 hours you can be reimbursed for up to $100 in expenses per person per day, for up to $500 per person.
-Travel Accident Insurance: Coverage if you are injured or killed on a trip.
-Roadside Assistance: Coverage for up to 4 incidents per year.

-Visa Infinite Concierge is included free of charge.

The Chase Sapphire Reserve card earns Ultimate Rewards points and has the ability to transfer points into miles.  It also gives you the ability to transfer points from fantastic no annual fee cards like Chase Freedom, Freedom Unlimited, and Ink Cash into miles as well, as those cards can’t transfer points directly into miles without having the Sapphire Reserve, Sapphire Preferred, or Ink Plus card.

You can also transfer points at an equal ratio to your own or to one authorized user’s airline and hotel programs:
-United (Star Alliance)
-Singapore (Star Alliance)
-British Airways (OneWorld)
-Korean (Skyteam)
-Air France/KLM Flying Blue (Skyteam)
-Southwest
-Virgin Atlantic
-Hyatt
-Marriott
-Ritz Carlton
-IHG

Point Currency:

Chase Ultimate Rewards offer instant and fee-free transfers to top-notch mileage and points programs at a 1:1 ratio.

You can transfer points to a household member’s Chase card or to an authorized user’s airline/hotel programs.

You can also transfer points to Chase business Ink cards like Ink Plus and Ink Cash where you can transfer from there to other business owner’s cards and/or programs.

Transfer partners include:
United (Star Alliance) is an excellent currency. They never charge fuel surcharges, have very flexible routing rules, they allow one-way awards for half the mileage, they have short-haul awards for 10,000 miles, they often run discounted award promotions, they allow for a stopover and an open-jaw so that you can really maximize a single award ticket into several free trips, and they have dozens of partners to fly on, most of which can be booked on their website.
British Airways (OneWorld) is awesome for short-haul awards, though partner American has been stingy with award space of late. Awards start from just 4.5K miles. Flights to Israel on Air Berlin are just 60,000 miles round-trip with no fuel surcharges. They allow one-way awards for half the mileage. There are no close-in or expedite fees. You can cancel an award for as little as $5.60. Infants are only charged 10% of the miles on international trips instead of 10% of the full fare like US carriers charge. Plus they don’t collect fuel surcharges on American within the western hemisphere, on Qantas from or within Australia, on Air Berlin, Aer Lingus, Alaska, or LAN and you can transfer points to Iberia to limit fuel surcharges there as well.
You can read more in this post on everything you need to know about BA Avios. And you can see 110 places you can go to nonstop from NYC with Avios.
Korean (Skyteam) offers unbeatable first class availability (A380 First Class Trip Report here) and they also have true bargains on partner travel, just 30,000 miles to fly round-trip on Hawaiian or Alaska to Hawaii in coach or 60,000 miles in first. And it’s just 20,000 miles to fly to Alaska in coach or 40,000 miles in first. You can even get a free stopover on the way to or in Alaska! If there is Delta saver award space you can fly to Hawaii round-trip for just 25,000 miles in coach or 45,000 miles in business.
Air France/KLM Flying Blue (Skyteam) offers promo awards from rotating North American cities to Europe, Israel, and Russia from just 12,500 miles each way. Regular awards to Israel are just 25K miles each way, though some fuel surcharges apply on most airlines except for Delta.
Singapore (Star Alliance) offers private walled-in first class suites that can only be booked with their miles. A suite one-way from JFK to Europe is 57,375 miles. Travel to the US48, Hawaii, Alaska, Europe, and Israel can all be had on the cheap. There are no close-in booking fees and changes and cancellations are very cheap. Fuel surcharges apply when flying on most airlines besides United. More info here.
Southwest offers a value of about 1.7 cents per point towards award travel, though that rate can now vary. Plus you get 2 free checked bags, free flight changes or flight cancellations. and you can even get a point refund if the price of your flight goes down.
Virgin Atlantic has some niche uses with awards on Delta and often has sales for discounted awards to London.
Hyatt is a very powerful hotel currency. They have a cash and points option that offers some excellent values and more importantly those stays earn points, elite stay credits, promo credits, and you can use suite upgrades on cash and point stays as well. It remains far less expensive for high-end hotel stays than any other hotel program.
You can also funnel points through Hyatt to Southwest to qualify for a free Southwest Companion Pass which gives you a free companion every time you pay for or redeem for a free ticket.
-You can also transfer points to Marriott, Ritz Carlton, and IHG.

Generally speaking you’ll want to use the 1.5 cents per point option when redeeming for round-trip coach tickets booked in advance. You’ll generally want to transfer to miles for business class, first class, last minute and one-way coach awards. You’ll be better off with 1.5 cents per points for IHG and Marriott hotels, but Hyatt points can often be worth more than 1.5 cents each, so you’ll want to transfer points to Hyatt in those cases.

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165 Responses to “Expedite Your 100,000 Point Sapphire Reserve Signup Bonus; Can You Get The Signup Bonus With Only $3,700 In Spending?”

  1. joe Says:
    1

    thanks dan!

    when do u think this 100k promo will end? i need to wait till oct 7th to get out of the 5/24 issue

    ReplyReply
  2. Jaymar01 Says:
    2

    2,962,025 points?

    I didn’t know Chase’s points tracking system was programmed to go that high.

    ReplyReply
  3. J Says:
    3

    Only 2.9million UR points? Rookie!

    ReplyReply
  4. Help!! Says:
    4

    How can I get this great credit card. I have an 800 credit score. I follow all Dans deals as scrupulously as I can. I even sent a secure message to chase asking why they declined my application (they said I opened too many cars within the past 2 years). I have a chase checking account. I pay my bill all the time before theyre due. HELP!!!!!

    ReplyReply
  5. Dan Says:
    5

    @joe:
    There’s no published end date, but I’d imagine it will be still be around on 10/7.

    @J:
    Is there a mitzvah to hoard them?
    It’s not scotch, it won’t get finer with age.
    I redeem 7 figures every year. Still have more than 10MM miles to burn.

    @Help!!:
    Read http://www.dansdeals.com/archives/94751
    How many primary and secondary cards have you opened in the past 24 months?
    Did you try to become private client?

    ReplyReply
  6. J Says:
    6

    How do you know guests for priority pass are unlimited? I think I saw on the website they charge $25-30 for each guest

    ReplyReply
  7. Dan Says:
    7

    @J:
    Chase has a special arrangement for unlimited free guests. The membership that comes with the card confirms that.
    It’s an awesome benefit!

    ReplyReply
  8. Hurray Says:
    8

    Long met the 4K spend on both cards! Coolest bonus ever!!!

    ReplyReply
  9. Randy Says:
    9

    Thanks for the tip!

    Thanks for the inspiration after seeing that UR points total as well!

    ReplyReply
  10. Michael Says:
    10

    Dan – thanks as always….can anyone confirm does buying gift cards from an airline work for travel!

    ReplyReply
  11. Dan Says:
    11

    @Michael:
    It will.

    ReplyReply
  12. robert Says:
    12

    i see you removed $100 global credit for Additional cardholders. supervisor rejected my request even with your SM, go figure

    Additional cardholders
    cost $75/year and include a Priority Pass membership with free guesting privileges as well.

    ReplyReply
  13. Dan Says:
    13

    @robert:
    Yup. Never had 2 SM agents in writing and a phone agent be wrong like that before. Pretty crazy.

    ReplyReply
  14. chaim Says:
    14

    How about paypal transactions? do they count?

    ReplyReply
  15. Albert Says:
    15

    Do you consider this card better than the AmEx Platinum? They seem similar, but I’m starting to lean towards Chase.

    ReplyReply
  16. b Says:
    16

    Dan,

    Does the $450 fee count towards the $4000?

    ReplyReply
  17. Dan Says:
    17

    @chaim:
    I haven’t seen data points on that. Why are you paying with Paypal?

    @Albert:
    Overall this is a much stronger card.
    However the AMEX Plat does give access to many lounges that this card doesn’t (Airspace, Delta, and AMEX Centurion lounges).

    @b:
    Annual fees never count toward spending thresholds.

    ReplyReply
  18. Isaac Says:
    18

    Once I get the card, how do I get the priority pass.
    Do I get it automatically?

    ReplyReply
  19. Dan Says:
    19

    @Isaac:
    The signup link is in the post.
    Or you can just call the number on the back of the card.

    ReplyReply
  20. mechayamom Says:
    20

    Really want this card for long term. My AMEX Platinum just came up for annual fee.
    Have way over 5/24. Read the whole thread for that. Have even more AU. I should close all AU cards..still would have 12 or more cards.
    Not CPC, have Chase Checking, have card with CL I could move.
    Recommendations? Try going into a bank and get CPC? Appreciate it.

    ReplyReply
  21. Phil Says:
    21

    Can anybody confirm that EZ pass worked towards the $300 annual credit?

    ReplyReply
  22. wondering Says:
    22

    About how much do you need to spend on your card annually for it to be worth more than the Sapphire Preferred(Regarding the annual fee)? I understand it depends whether you use it for travel, dining, or general but roughly about how much?

    ReplyReply
  23. EER Says:
    23

    I like the fact that you earned zero points on $1 purchases, only bonus points and triple points 🙂

    ReplyReply
  24. ariella Says:
    24

    I love this card! I got almost the entire travel credit in my first week!

    ReplyReply
  25. manhatan Says:
    25

    i spent $6800 on the 1st day i got the card.
    i see the points for the perches i made but no 100k bonus, when dose it post?

    ReplyReply
  26. Dan Says:
    26

    @mechayamom:
    12 primary cards opened in the past 24 months?
    CPC is probably your best bet.

    @Phil:
    Yes, several reports of that working.

    @wondering:
    It’s only $41.50 more per year than Sapphire Preferred after the $300 credit and the 900 points (worth $13.50) earned from that $300 credit.

    If you spend $3,000 per year on travel and dining than you would get an extra 3,000 points per year that are worth at least $45.

    But besides for that, how much do you value the lounge access at?
    And how much do you value the ability to redeem all Chase points for travel at 1.5 cents per point?
    And how much do you value Global Entry credits every 4 years?

    @EER:
    🙂

    @ariella:
    Nice!

    @manhatan:
    Did you check the UR link to see if you have the 100K pending on your next statement?

    ReplyReply
  27. Moshe Berger Says:
    27

    Can I buy a airline gift card with the $300 credit?

    ReplyReply
  28. Anonymous Says:
    28

    dan cant get approved for this card HUCA’d twice no dice. They wont even talk to me much just saying there is nothing they can do

    I am over the 5/24, no pre-approval and banker said can’t give me CPC status unless I have 250K!

    ReplyReply
  29. Dan Says:
    29

    @Moshe Berger:
    Yes.

    @Anonymous:
    Try another branch. Offer to bring in funds from another bank over the course of the next few months.

    ReplyReply
  30. a good yeshiva bachur Says:
    30

    how should i spend the 4k ??

    ReplyReply
  31. manymiles Says:
    31

    where in ewr Newark is kosher food ?
    I usually travel united and their lounge doesn’t have much

    ReplyReply
  32. Dan Says:
    32

    @a good yeshiva bachur:
    Lots of ways to do that.

    @manymiles:
    Art & Lounge
    Pics: http://www.dansdeals.com/archives/88035

    ReplyReply
  33. Phil Says:
    33

    Thank you Dan, Approved!

    ReplyReply
  34. dave Says:
    34

    Dan,

    Its a great card but sucks that unlike Amex Chase does not show (if there is an authorized user) who purchased what…

    ReplyReply
  35. Moshe Berger Says:
    35

    Dan,
    I live in NJ and AA doesn’t let me buy gift cards. Is this for all airlines and is there a way around it?

    ReplyReply
  36. Dan Says:
    36

    @Phil:
    Congrats!

    @dave:
    AMEX can do that because the AUs have their own card numbers.
    Does it matter that much?

    @Moshe Berger:
    Other airlines will let you.
    You can also change your billing address temporarily to order them if you’re set on AA.

    ReplyReply
  37. Anonymous Says:
    37

    @wondering: @Dan there is also Roadside assistance that comes with it which seems like a valuable perk that most cards don’t offer

    ReplyReply
  38. Moshe Berger Says:
    38

    Which card do you suggest: The Chase Sapphire or Amex Business Platinum?

    ReplyReply
  39. Dan Says:
    39

    @Moshe Berger:
    -Signup bonus is better on Sapphire
    -Spending bonus is better on Sapphire
    -Travel credit is better on Sapphire.
    -Israel car rental insurance is only on Sapphire.
    -Purchase protection/lost item insurance is better on AMEX.
    -Lounges are great on both, but they each offer something the other doesn’t.

    If lounge access is a key you’ll want both. Otherwise, Sapphire.

    ReplyReply
  40. izzy Says:
    40

    Can the $450 annual fee be counted as the $4000 spending?

    ReplyReply
  41. Anonymous Says:
    41

    2.9 … when are you doing a giveaway????

    ReplyReply
  42. joetraveler Says:
    42

    I’ve heard that airline ticket purchases made with Citi Thank You points are in a special fare bucket that earn substantially fewer airline miles. Do you know if the same is true with Chase UR ticket purchases?

    ReplyReply
  43. Anonymous Says:
    43

    Do I have to travel in 2016 or just make a reservation to be eligible for the $300 credit?

    ReplyReply
  44. Dan Says:
    44

    @izzy:
    Comment 17.

    @Anonymous:
    Comment 5.

    @joetraveler:
    Try and let us know.

    @Anonymous:
    It goes based on when it’s charged to the card, not when it’s for.

    ReplyReply
  45. Sarah Says:
    45

    I tried changing the statement due date, but it said that it would take effect on the next statement. Dan, how did you manage to change your current statement’s due date?

    ReplyReply
  46. Dan Says:
    46

    @Sarah:
    Didn’t do anything special, just typed in the new date and it worked.
    Did you get your first statement yet?

    ReplyReply
  47. Sarah Says:
    47

    @Dan: Yes

    ReplyReply
  48. Dan Says:
    48

    @Sarah:
    What date are you trying to set it for?
    Try the 20th or later.

    ReplyReply
  49. Sarah Says:
    49

    @Dan: I tried the 21st. It still says that the next payment is due at my previous due date…

    ReplyReply
  50. Dan Says:
    50

    @Sarah:
    That’s not what you said it said in your previous comment…

    ReplyReply
  51. Sarah Says:
    51

    @Dan: Sorry, let me clarify. I followed your instructions in the post to change the statement due date to the 21st. It said that this change will take effect next billing statement (not the current one). As of now, my account still says that my payment due date is my former due date; its as if no change occurred for this billing statement. (I’m trying to expedite my points as you suggested).

    ReplyReply
  52. Dan Says:
    52

    @Sarah:
    Try the 21st and see what happens.

    ReplyReply
  53. Sarah Says:
    53

    @Dan: Ok, thank you!

    ReplyReply
  54. Rabbi Says:
    54

    Any idea of when this offer ends?
    Thanks

    ReplyReply
  55. wondering Says:
    55

    And if you have your spouse as an additional cardholder and only spend about $2000 a year on travel/dining you would need to spend about 18000 annually to make up the difference, if im looking to redeem it cash towards travel, right? The additional benefits (lounge/pre-check) sure sounds like fun but the question is if its free end of the day?

    ReplyReply
  56. Dan Says:
    56

    @Rabbi:
    Unknown.

    @wondering:
    Don’t pay for your spouse if they won’t use the lounge membership. When’s the last time a store asked you for ID anyway?

    ReplyReply
  57. kolel Says:
    57

    i spent 4k on the 13th and my statement closes 20th and it doesnt show that im getting the bonus next statement

    ReplyReply
  58. JP Says:
    58

    Does anyone know the difference between AAA coverage and Roadside Assistance: Coverage for up to 4 incidents per year that Chase offers?
    What is the annual fee after year 1?

    ReplyReply
  59. Manhattan Says:
    59

    @Dan: yes i did

    ReplyReply
  60. Dan Says:
    60

    @kolel:
    Give it a few weeks.

    @JP:
    I’d assume it’s fairly similar.
    The fee is the same every year, see the post.

    @Manhattan:
    Give it a few weeks.

    ReplyReply
  61. Wool Says:
    61

    Got the Reserve few weeks ago, and this is exactly the 5’th card in 24 month, can i apply again now for the Preferred before the reserve statement closes? Any reason not to?

    ReplyReply
  62. Dan Says:
    62

    @Wool:
    I would.

    ReplyReply
  63. wondering Says:
    63

    But we both need a card in our pocket all the time. Unless i could get two cards under one name?

    ReplyReply
  64. Dan Says:
    64

    @wondering:
    Call and ask for an extra plastic version of the same card.

    ReplyReply
  65. kolel Says:
    65

    i wanted it in this statement already

    ReplyReply
  66. jP Says:
    66

    If the fee is the same every year, then why is it -150?

    ReplyReply
  67. MeirS Says:
    67

    About the 5/24, of I have 4 cards in the last 24, can I be approved for a 3bm?

    ReplyReply
  68. Yoni Says:
    68

    @dan Do southwest anytime tickets work?

    ReplyReply
  69. Rondee Says:
    69

    @Phil: @Phil:
    Phil–unable to follow thread. Would appreciate details on dan’s advice that worked for u. Thanks

    ReplyReply
  70. moshe Says:
    70

    Dan!!! please teach me how to earn that many points!!!!

    ReplyReply
  71. David Says:
    71

    @Phil: It worked, I saw my ezpass charge online with the corresponding credit.

    ReplyReply
  72. JP Says:
    72

    @Dan:
    IF there is a $450 annual fee, then how do you get to the -150?
    In the 2nd year there will be an additional $450 annual fee.

    ReplyReply
  73. Yony Says:
    73

    I made 2BM for my WIFE sapphire reserve and United, she was approved for United $28,000 but was declined the reserve, the reason they claim is because she doesn’t have enough credit lines to be approved 2 cards in a 30 day period (she has a freedom and a car Lease but…) we are CPCs but nothing helped… But 🙁

    ReplyReply
  74. Mendel Says:
    74

    How long does it take to get the priority pass card?

    I got applied and got approved for the card on the day it opened, and activated the priority pass benefit upon receiving the card about a week later (it appears as “activated”). But I never received the actual card.

    ReplyReply
  75. Marge Says:
    75

    @Dan do you know if $300 airline credit will work for the United Airline Gift Card registry, such as Amazon gift cards, similar to the AMEX platinum airline credit.

    ReplyReply
  76. Kevin Says:
    76

    Do authorized users also get the car rental benefits.

    ReplyReply
  77. Mo K Says:
    77

    Dan, is PGGM an option for the travel credit?

    ReplyReply
  78. just asking Says:
    78

    how long does it take to get approved?! i applied last Friday in branch and the banker said that i gotta wait for a letter in the mail within 7-10 business days!!??!!
    why’s it taking so long is it because this is my first credit card and i have no credit history???
    what should i do??????

    ReplyReply
  79. Dan Says:
    79

    @kolel:
    And I want a pony.
    Follow what I did to expedite them once they show up as pending.

    @jP:
    The fee is $450/year and there’s a $300 annual travel refund.
    If you keep the card for 2 years you will pay $900 in fees and get $300 in 2016, $300 n 2017, and $300 in 2018 for $900 in total refunds.

    @MeirS:
    Yes.

    @Yoni:
    Yes.

    @moshe:
    Read my website 🙂

    @David:
    Nice.

    @JP:
    The 2017 refund can be done in January.
    The next fee isn’t due until September.

    @Yony:
    Call Recon back and ask for a manager.
    Ask for them to take some of the line from the United card to approve the Reserve.
    Or ask to unapprove the United as you would rather have the Reserve.

    @Mendel:
    I called and got it within a few days.

    @Marge:
    It will.

    @Kevin:
    Yes.

    @Mo K:
    Yes.

    @just asking:
    If you have no other cards it will definitely take them more time.

    ReplyReply
  80. just asking Says:
    80

    should i call the lending department and ask what’s taking so long and try to get approved or should i just wait it out?

    ReplyReply
  81. Dan Says:
    81

    @just asking:
    There are pros and cons to either way.

    ReplyReply
  82. just asking Says:
    82

    what do you advise (im new to this game and wanted to jump the gun) call or not?

    ReplyReply
  83. Phil Says:
    83

    @Rondee:
    Just had a question about ez pass, I just applied online and got approved

    ReplyReply
  84. Anonymous Says:
    84

    @Dan: Do you call Chase or Priority Pass to get the card?

    ReplyReply
  85. Annie Says:
    85

    Can I apply for a business credit card?

    ReplyReply
  86. Tmosk Says:
    86

    Dan
    How can I know when I will be out of the 5/24 issue?

    ReplyReply
  87. Kenny Says:
    87

    I also got the $100 for Global Entry so it could be $3600

    ReplyReply
  88. just asking Says:
    88

    say i call, do i speak to a manager or a regular rep? what would you say is better?

    ReplyReply
  89. Priority Pass Says:
    89

    taking forever. requested long ago, how long should it take? called PP and they said Chase send them, no way they can give number or ship. SM chase, replied they cant expedite. so when will it be here? before the year is over?

    ReplyReply
  90. JoJo Says:
    90

    I agree with Sarah (starting at comment 45). When I try to switch the due date I am first prompted with a note that says it will only go into effect for next statement. I went ahead and switched the due date to the 21st anyway, but it does not appear that will impact this statement. I guess I will let you know tomorrow (the 21st) if somehow the my auto-pay is deducted and the points move from “points earned” to actually being available in the Account. In any event, my experience is that the posting of the points is connected to the statement settlement date, not the payment date. Dan, not sure how you pulled that off.

    ReplyReply
  91. Sam Says:
    91

    Private Client is amazing. Reconsideration wouldn’t talk to me beforehand and after becoming CPC they approved me!

    ReplyReply
  92. Dan Says:
    92

    @just asking:
    There is no right or wrong answer.

    @Anonymous:
    Chase.

    @Annie:
    There is no business version of this card.

    @Tmosk:
    http://www.dansdeals.com/archives/94751

    @Kenny:
    True!

    @just asking:
    You start with a regular rep and go from there.

    @Priority Pass:
    Call Chase to have them enroll you again.
    Also Chase will reimburse visits made until the cards come, ask them about that.

    @JoJo:
    Changing the payment due date changes the date the statement prints, which is 28 days before the payment due date.
    The points post when the statement prints.

    @Sam:
    Congrats!

    ReplyReply
  93. Avi Says:
    93

    I can confirm – EZ-Pass payment generated an automatic travel refund

    ReplyReply
  94. Isaac Says:
    94

    Hello everyone, there are way too many repeated questions in the comments. Please read all the comments before asking a question. You will save all DD readers and Dan(!) lots of time:)
    Thanks in advance!

    ReplyReply
  95. JoJo Says:
    95

    OK. Thanks Dan. One folllow up question. Is statement print date always 25 days before the due date? In your post you mentioned you changed the due date to the 16th of the month (so next due date is 10/16) but your statement printed on 9/19, which is more than 25 days in advance?

    ReplyReply
  96. CPC Says:
    96

    i talked to a banker who said unless i have 250k then there’s nothing to talk about…..
    what should i do?

    ReplyReply
  97. Dan Says:
    97

    @Isaac:
    Story of my life.

    @JoJo:
    Typo, 28 days.

    And yes, it said that it would change for my next billing cycle, but it worked right away for me.

    I just changed my wife’s payment due date to the 0th, let’s see what happens 🙂

    @CPC:
    It’s been done by many, find another branch/banker.

    ReplyReply
  98. eli Says:
    98

    @Dan: To be sure, is the doubt about PayPal counting just re Travel credit?(shouldn’t give me any issues working at sign up bonus..?)

    ReplyReply
  99. CPC Says:
    99

    how should i convince a banker to give me CPC when i only have a collage checking account that has less then $500????
    what should i say/do to convince them??

    ReplyReply
  100. Yossi Says:
    100

    @JoJo: How do you get the old preface?

    ReplyReply
  101. Dov Says:
    101

    Dan, Sara, Jolo

    The current due date from the previous statement can never be changed

    Changing a due date can only take effect on the next billing cycle

    Its will however shorten (which is what you did to expedite the points) or extend your current billing cycle depending on the new due date you requested

    ReplyReply
  102. Dov Says:
    102

    Dan,

    [Quote]it said that it would change for my next billing cycle, but it worked right away for me.

    The system suggested correctly and acted accordingly

    You requested a new due date and therefore the system suggested its will take effect on the next statement which is in fact what happened

    You are now in your next cycle with the new due date

    ReplyReply
  103. Dov Says:
    103

    Dan,

    [Quote]it said that it would change for my next billing cycle, but it worked right away for me.

    The system suggested correctly and acted accordingly

    You requested a new due date and therefore the system suggested its will take effect on the next statement which is in fact what happened

    ReplyReply
  104. Mark Says:
    104

    Does the 450 fee count towards the 4000 spending?

    ReplyReply
  105. Q Says:
    105

    Dan would u keep it for year2?
    Reason?

    ReplyReply
  106. Sidney Says:
    106

    Dan
    Is this offer valid for those of who live north of the 49th parallel (aka Canada) ?

    ReplyReply
  107. Phil Says:
    107

    If chase rewards is showing me 90k points for a round trip ticket then all i have to use is 60k points?

    ReplyReply
  108. Wool Says:
    108

    Thanks Dan, approved for the Preferred too. Really funny that as long as they don’t close the statement they don’t realize that they approved me 3 weeks ago, so i’m still below 5/24.

    ReplyReply
  109. Jen Says:
    109

    @dan i opened my card in August so ill have 2 times 300 travel this year will it be next year too?

    ReplyReply
  110. Question for Dan Says:
    110

    I asked a couple of different reps all confirmed that there is no way you will get to billing statements in one month so changing the bill due date will only take effect next month no matter what date you pick. No two statements in one month so DAN how did you do it?

    ReplyReply
  111. Dan Says:
    111

    @eli:
    Correct.

    @Yossi:
    I have a consumer login and business login.
    Former has the new interface and latter has the old interface.

    @Dov:
    Yup, hence why I made this post.

    @Mark:
    See comment 17.

    @Q:
    Year 2 also gets another $313.50 travel credit.
    The lounge access, 1.5 cents per dollar on all points, 3 points per dollar on travel/dining, and global entry are worth $136.50/year.

    @Sidney:
    You need a US SSN.

    @Phil:
    For what trip?

    @Wool:
    Awesome, Go for 1 more!

    @Jen:
    It’s $300 per calendar year.

    @Question for Dan:
    They don’t know what they’re talking about. I have a September 3 bill and a September 19 bill.

    ReplyReply
  112. Agoldsc1 Says:
    112

    I know that this is a beginner question, but what is “BM” (i.e: 3BM, 24BM, etc…?) Can someone refer me to a thread on DDF which would fully explain this?

    ReplyReply
  113. Dan Says:
    113

    @Agoldsc1:
    http://www.dansdeals.com/archives/53213

    ReplyReply
  114. Dov Says:
    114

    @Question for Dan:

    You are not requesting a statement date change its a due date change which will always be in effect on the next billing cycle current due date can never be changed

    If the system Accepted the request than Technically you will either have a shorter or longer billing period depending on the new due date you requested

    And yes it’s takes affect the new due date request on the next billing cycle which could be very close to your last one as dan’s was 16 days apart

    ReplyReply
  115. josh Says:
    115

    i opened a personal chase southwest card on 1/2014 (still open), and a business one on 2/2014 and closed the business one on 6/2014. can i open another business southwest card now and get the sign up bonus again? any advice is greatly appreciated.

    ReplyReply
  116. Dan Says:
    116

    @josh:
    Yes.

    ReplyReply
  117. josh Says:
    117

    thank you dan!

    ReplyReply
  118. Wool Says:
    118

    Serious? I never heard someone doing this without 3BM. But if so, which one? Can I get the Ink without a business?

    ReplyReply
  119. Question for Dan Says:
    119

    Dan I changed my due date to today’s date which is the 21st with a closing date on the 24th so let’s wait and see I really hope you are correct!!
    (My 100k bonus are pending already)

    ReplyReply
  120. Phil Says:
    120

    @Dan:
    Israel, I just gave an estimate based on what it shows

    ReplyReply
  121. Jen Says:
    121

    @dan what’s golbal entry

    ReplyReply
  122. Dov Says:
    122

    Dan

    The post is appreciated

    But there was some confusing information for the term Next Billing cycle so wanted to clarify it

    Correction, Your 16 days apart was for statement dates (not due date)

    ReplyReply
  123. Sara Says:
    123

    How do you get an airline gift card? Does it have to be a specific airline? Also is the same true for hotels?

    ReplyReply
  124. Dan Says:
    124

    @Wool:
    Ink is harder than the consumer airline/hotel cards.

    @Jen:
    http://www.dansdeals.com/archives/93629

    @Dov:
    16 days apart is for due date and statement date.

    @Sara:
    From the airline or hotel’s website.
    Same for any travel that falls into the categories in this post.

    ReplyReply
  125. Max Compton Says:
    125

    Are the $300 refundable travel able to be used next year or do they expire at the end of 2016?

    ReplyReply
  126. chaim weisz Says:
    126

    @dan

    when is this offer expiring?

    ReplyReply
  127. Moish Says:
    127

    @dan got approved for reserve 2 weeks ago, if I sign up for another chase card today will it be combined into one pull or it has to be in the same day?

    ReplyReply
  128. im Says:
    128

    Which link do i use to apply?

    ReplyReply
  129. Dan Says:
    129

    @Max Compton:
    I don’t understand the question.

    @chaim weisz:
    Unknown.

    @Moish:
    You may be able to call the bureau and have it removed.

    @im:
    There is a banner in the post.

    ReplyReply
  130. sholom Says:
    130

    I opened more than 10 cc in the past 2 years, applied today and got accepted.

    ReplyReply
  131. just asking Says:
    131

    i went to see a banker today and asked what was taking so long and he called the lending dep who didnt want to approve me due to the lack of credit line (she said all i have is 1100 of my own credit line and thats to little) so i left bank and HUCA and asked for a recon and she said no on the spot without looking into it at all so i asked for her manager and said she’ll do a secound recon and after putting me on hold for a while said she agrees with the first rep and the min credit line for the reserve is 10k so i hung up and called the company that i have 1100 with and the max raise they gave me was 900 so now im holding by 2k then i applied for a Capital One cc and got approved for 3k so now that i have 5k of my own credit line so should i apply for another card, if yes which one (as i have 2 credit pulls today) or should i call recon today or wait 25days to recon the reserve or what else should i do?

    ReplyReply
  132. CPC Says:
    132

    today a banker told me that if i bring in 100k then he’ll give me CPC so i said yes over the next few months i’ll bring it he said okay so when you bring it we’ll talk….

    ReplyReply
  133. Yosef Says:
    133

    Hi Dan,
    For the 300$ airline credit can you purchase through the united app(like with Amex ) ?

    ReplyReply
  134. Q Says:
    134

    Yr 2 would not add value of global entry
    As it was calculated for year 1
    If no year 2nmembershop paid, benefit still remains

    ReplyReply
  135. SHOLOM Says:
    135

    @sholom:

    I WENT INTO THE BRANCH TO SEE IF I WAS PRE APPROVED, I WAS, SO I APPLIED AND BH GOT ACCEPTED

    ReplyReply
  136. Sara Says:
    136

    You said to get office supply gift cards for 5x points. Where can you spend office gift cards if you buy so much ?

    ReplyReply
  137. Sara Says:
    137

    Is the chase mileage plus explorer a good card, or should I change it for another card?

    ReplyReply
  138. max Says:
    138

    Do I need to purchase the Air travel credit this year or can I roll it over to next year and get a total of $600.00?

    ReplyReply
  139. david Says:
    139

    @ Dan
    is it normal that Chase UR travel site gives prices that are 10to15% more than the airline itself? i tried NYC TLV, NYC CDG and NYC NCL. 3 different routes 3 different airlines and always much more than the airline itself. checked thru google flights. when called the answer was “i dont know sir, whatever comes up on the system is whatever you are due to pay”
    Any suggestions? Thanks i appreciate. i did get the CSR and i do need to make these trips with my wife and a child so the difference is not negligible

    ReplyReply
  140. Mutty Says:
    140

    Hi. I have a question. Didn’t really see it in the above comments. If I get the card now (September/October), which I’m not sure of since they’ve been refusing me on the last two requests even though I have great credit, when it says you get back $300, do you have to cover the whole $300 in 2016, by the end of December? Then in 2017 start over? Or is it a year from when you get the card, like the fee? Hope the question was clear even with the run on sentence!

    ReplyReply
  141. david Says:
    141

    @ Mutty
    yes it is per calendar year. so $300 till december 2016 and another $300 starting as of January 2017

    ReplyReply
  142. Dan Says:
    142

    @sholom:
    Nice!
    Do you have CPC?

    @Sara:
    They sell Visa gift cards and gift cards to stores like Amazon, etc.

    @max:
    It does not roll over.

    @david:
    Please provide a sample date that I can research.
    The ones I checked were identical to Priceline.

    @Mutty:
    $300 in 2016 and $300 in 2017.

    ReplyReply
  143. Dan Fan Says:
    143

    You need a more appropriate name…how about the Dansdeals Rebbe? 🙂
    Ok.So I couldn’t get the sapphire reserve card because of having opened too many cards. But since I’m a dansdeals Rebbe chosid, I wrote chase a secure message and lo and behold I got the card.
    Thanks Dan

    ReplyReply
  144. voile Says:
    144

    @Dan Fan: could you please explain me in short how i do that? is it just by secure nessaging from any of my chase login’s?

    ReplyReply
  145. Dan Says:
    145

    @Dan Fan:
    Awesome, care to share what you wrote in the SM?
    How many cards have you opened in the past 24 months?

    @voile:
    Correct.
    http://www.dansdeals.com/archives/28466

    ReplyReply
  146. Miriam Says:
    146

    I just got the reserve card. I also have mileage plus explorer and have 176,000 miles on it. I also have sapphire preferred wit no miles left. What card should I get rid of

    ReplyReply
  147. question for dan Says:
    147

    Dan i changed my due date yesterday on the reserve card for the 21st as you said you did with a statement closing date of the 24th, however when i log in now it still shows as the old closing/due date but when i call in they could confirm the change and they say it takes a few days to update online however they say the next statement date will be October 24th Not September 24th
    So Dan how did you get it did you do through CPC?

    ReplyReply
  148. JMS Says:
    148

    “Most credit cards also exclude countries like Israel from coverage, however all Chase cards cover you worldwide, including in Israel. And they will give you a letter of coverage stating that you are covered in Israel so that you don’t have to argue at the rental car counter that your Chase Visa does give CDW coverage.”
    I wouldn’t necessarily count on not having to argue. I personally had to argue with several Sixt employees and managers in Israel despite showing them the letter of coverage. They kept insisting for various reasons that I had to take CDW, because “only World Mastercards cover”, “Sixt policy” “Israeli law” “you’re credit card wlll cover only if you accept our CDW” (the exact opposite of reality; you have to decline to be covered) and other such nonsense. I finally was able to speak to a manager who was reasonable/could read English better and got my car without paying for their CDW.
    Granted, this was early 2014, when Chase’s Israel coverage was fairly new and they may not have known about it yet, but just remember when you are renting in Israel that it’s Israel. The concept of The Customer Is Always Right has yet to reach those distant shores.

    ReplyReply
  149. sholom Says:
    149

    @Dan:

    No I did not, not sure how I got approved.

    ReplyReply
  150. Brian Says:
    150

    Wow how many ink cards do you have? I find it hard enough finding enough time to max out the $50k on my 1 ink.

    ReplyReply
  151. Mutty Says:
    151

    Me again. One more question. If EZPASS deducts money from your credit card as your balance gets low, can you also call and ask to have $300 added to your account, that way completing the $300 travel spend in 2016?

    ReplyReply
  152. Dan Says:
    152

    @Miriam:
    http://www.dansdeals.com/archives/94207

    @question for dan:
    I did it online.

    @JMS:
    Fair enough.
    But usually a letter is good enough. At least at Avis and Hertz it has been for me.

    @sholom:
    Sweet, enjoy.

    @Brian:
    Many 🙂

    @Mutty:
    You can load it with $300 online or over the phone.

    ReplyReply
  153. Barry Says:
    153

    Can I still sign up for this card?

    ReplyReply
  154. Dan Says:
    154

    @Barry:
    There is a banner in this post to view card offers.

    ReplyReply
  155. Update Request Says:
    155

    hey dan can you please update the post from the link in comment 113
    thanx dan, i love your site

    ReplyReply
  156. Mutty Says:
    156

    @Mutty:
    You can load it with $300 online or over the phone.
    So that’s a good way to get your $300 refund in 2016 if I get the card towards the end of the year. Thanks.

    ReplyReply
  157. Dan Fan Says:
    157

    I may have opened five cards.
    I don’t recall.
    Whenever you say to open a card, I do.
    I wrote Chase a secure message saying over the past ten years I have a chase checking account, an 800 credit rating and I always pay my bills on time, never carrying over a balance and can they please reconsider my application. I got my card today:-)!!!!!.

    ReplyReply
  158. M Says:
    158

    Do authorized user cards have the same card number as primary?

    ReplyReply
  159. ron Says:
    159

    @dan
    @JMS

    As someone who booked car rental in Israel last month, using CSP – I had no problems with CDW and the car rental company (Eldan).
    However – They wanted me to pay mandatory LDW (liability). They explained it’s like the “bituh hova” (Israeli term for LDW) which is mandatory. The funny part is that LDW cost more than the rental price (200$ for 2 weeks).
    So, although you get CDW from Chase, you don’t get LDW, and the car rental company won’t give you a car without it.

    ReplyReply
  160. Amy Says:
    160

    Dan do you have an affiliate link? This blog has been so helpgul over the years, I would love for you to get a credit when I sign up!

    ReplyReply
  161. Jay Says:
    161

    Any ideas if Chase Sapphire Reserve gives $300 travel credit when using the UR Portal.

    For example, I wanted to book ticket to India but tickets are relatively expensive in December. Is it possible to split transaction between UR points and cash, charge $300 on Sapphire Reserve card and rest in points.
    Would Chase credit me for $300 travel?

    ReplyReply
  162. Z Says:
    162

    How long does it take for the 100k points to show up in pending status? I met my 4k spending (excluding the annual fee) on 10/9. I see the points pending for my purchases, but I don’t see the 100k signup bonus pending.

    I’m trying to expedite my points to book travel in the coming week. Thanks for your help!

    ReplyReply
  163. Mikey Says:
    163

    Anyone had any luck with successfully changing their due date to affect the closing date and have the sign up bonus points expedited?

    My due date is on the 6th and closing date on the 9th. I know it’s less than a week away, but I’m in a hurry to book a trip. And to my understanding, it also takes a few days for the points to post after closing…

    ReplyReply
  164. chana Says:
    164

    How will i see the EZ pass Travel refund? I spent on EZ pass and got the statement for it, but i don’t see any refund?

    ReplyReply
  165. chana Says:
    165

    I sent chase a message asking them about the EZ pass and they said it doesn’t fit into the category for the travel credit. I know you wrote many times that EZ pass does get the credit?? thanks.

    ReplyReply

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