Chase’s Highest Ultimate Rewards Signup Bonus Ever: Sapphire Reserve 100,000 Point Bonus Is Now Live; Get $2,100 In Travel!

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Update: My Sapphire Reserve came in the mail today and it’s a great looking card with even better benefits, have you received yours yet?

Originally posted on 08/22:


Related posts:
-30 Awesome Things You Can You Do With Ultimate Rewards Points
Building Credit And Credit Card FAQs: Your Questions Answered


Signup Bonus:

For a limited time only, Chase is offering an unprecedented 100,000 Ultimate Rewards points for spending $4K on the brand new Sapphire Reserve card within 3 months. You can use those points for $1,500 in travel or you can transfer them into airline miles or hotel points.

Note that if you have opened up 5 or more cards in the past 2 years it can be difficult to get approved for most cards from Chase unless you have a banking relationship like Chase Private Client. If you have opened additional user cards in the past 2 years you can request from the bank or credit bureaus to have those removed from your credit report so that it doesn’t negatively impact your ability to get approved for a new credit card.

Annual fee:

The card has a $450 annual fee which is not waived for the first year. The effective annual fee though is just a third of that thanks to the travel credit.

Travel credit:

The Sapphire Reserve offers a $300 automatic travel credit to offset the annual fee. The first $300 of any travel charged to your card each calendar year will be refunded. That includes 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.

As the credit is per calendar year that means you’ll get $600 of travel refunds in your first cardmembership year with a $300 credit in 2016 and a $300 credit in 2017. That’s far more generous than other travel refunds that only officially refund things like airline change and baggage fees.

Combined with the signup bonus that means you can get $2,100 in travel.

The annual travel credit effectively lowers the annual fee of the card to $150 per year. That’s only $55 per year more than Sapphire Preferred and it comes with a lot of valuable benefits that make the card a keeper:

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, lounges, and cafes.
-Catering
-Cruises
-Transportation including trains, buses, subways, Uber, Lyft, taxis, limos, ferries, bridges, tolls, E-ZPass, and parking.

That’s 50% more points than the Sapphire Preferred offers in these categories.

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.
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%.

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 Silvercar), though apparently the card won’t have the Visa Infinite benefit of $100 off companion airfare.

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 you can find Delta saver availability 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.
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.

Will you be signing up for Sapphire Reserve? Hit the comments!

Leave a Reply

421 Comments on "Chase’s Highest Ultimate Rewards Signup Bonus Ever: Sapphire Reserve 100,000 Point Bonus Is Now Live; Get $2,100 In Travel!"

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joe

7/24 780 FICO with 120k income, denied, called recon twice same answer: too many ccs. ARGH

Aaron

Dad already got it. Was in bank 2 days ago and signed up. Seems like a cool card.

Chaim

Has anyone been approved with 5/24?

Dan

@Chaim:
People with Private Client have.

Moeshe

Dan-any dates for Israel?

DUMB

Dan,
Before I apply can you please explain this in detail:
“If you have opened additional user cards in the past 2 years you can request from the bank or credit bureaus to have those removed from your credit report so that it doesn’t negatively impact your ability to get approved for a new credit card.”

John

Hey – just signed up for sapphire preferred 2 months ago. This card seems better suited for needs plus the 100k bonus. Do you know if it’s possible to open this card in addition to my preferred? And would you reccomend doing that? Thanks in advance for your help!

John

Is 5/24 rule in effect?

Anonymous

So that’s the answer
It dies have the 5/24 rule or is it to soon to tell?

5/24

didnt receive 5 over 24
but had 5+ open
does it qualify?

hey

I applied and i have way way more then 5/24 got a email saying they would consider my application and get back to me in he next 30 days.

Should I just wait it out or should I be proactive and call them thanks dan!!

Shayt

The $300 travel credit works on EZ-Pass? Looked through the terms and doesn’t specify.

Is EZ-Pass billed in the travel category?

Volvy

Can i upgrade my sapphire or i have to apply separately ?

Ari

Is there a Bussiness version of this card?

Dan

@Moeshe:
Of course.
You can transfer miles to an airline like United.
Of you can buy any ticket with each point being worth 1.5 cents towards that ticket, so an $800 ticket nonstop from NYC to TLV in September would cost 53K points.

@DUMB:
If you’ve opened additional user cards in the past 2 years it can hinder your ability to get approved for Chase cards if it puts you over 5 cards in the past 24 months.

However you can close and/or remove those cards from your report so that they don’t negatively affect you.

@John:
It’s a better card in every way and you can signup for this card even if you have Sapphire Preferred.

@John:
Yes.

@5/24:
As long as you haven’t opened 5 cards in the past 24 months (some cards like AMEX business cards don’t count towards this) then you can get approved.

@hey:
YMMV. Probably just wait it out.

@Shayt:
Mine is billed as travel, yes.

@Volvy:
You can, but you won’t get the signup bonus then.

@Ari:
No.

netlevy

So the main question for you Dan is:
Are you going to be able to get approved???

Dovid

Can you transfer UR points to Amtrak? is it worth it?

Dan

@netlevy:
I’ll let you know 🙂

@Dovid:
Not anymore.

Chaim

@dan:
Has anyone with 5/24 without private client been approved?

David

Dan- can you upgrade from a chase sapphire card and get the bonus? Also , does this upgrade obviate the 5 cards in 24 months issue for those that have a problem otherwise getting this card?

Julian

How can I easily check how many cards I have applied for in the last 2 years?

Dovid

@Dan: Do you know how I can become a Chase private client?

mike

I Have lots of cards and have private client and was approved on the spot. I just opened sapphire preffered a couple months ago too. Thanks dan

ShlockDoc

“The annual travel credit effectively lowers the annual fee of the card to $150 per year” I don’t understand this line. The credit gives $600 during the first year of membership. Doesn’t that make the effective annual fee $150 in profit?

tony

@dan i just applied and they say they will let me know whats the deal with that?

Danny

I see on the purchase protection Benefit you wrote for theft or damaged up to 120 days. What about on lost items like the platinum card is that also covered?

Dan

@David:
No points for upgrades.

@Julian:
http://www.annualcreditreport.com and look to see which accounts have an opening date in the past 2 years.

@Dovid:
Create a relationship with a local banker.

@mike:
Nice!

@ShlockDoc:
$150 in subsequent years.

@tony:
Wait and see or call them.

@Danny:
No.

Rhubbarb

@hey: I applied and got the message saying tthey need to consider it. I called the recon line and he told me the system had already automatically denied me because I had opened more than 5 cards in th past 24 months

Acer

would buying a LIRR monthly ticket count as travel?
Thanks

Dan

@Acer:
Sure.

Moshe

@Dan I just spoke with a representative at Chase Sapphire Preferred, he informed me that indeed, unless you are with an authorized user they will not gain access to lounges. Furthermore, authorized users will not get reimbursed for the $100 TSA fee, only the main account holder. So the $75 will basically allow them to get the lounge access only.

endofbonus

In the past when Chase has had increased sign up bonuses for introduction of a new card, has there been advanced notice before they lowered the bonus?

Rob

@dan should I cancel my sapphire preferred card if I don’t use it that often?

shmool325

is the annual travel credit able to be carried over to the next calendar year if not used in 2016 for example?

MYN

Is Fuel also considered travel?

Jeff

@Dan Do gift card purchases at places like Home Depot, Krogers, Amazon etc count toward min spend?

David

If I have sapphire preferred and want to upgrade to this card- will they do a hard pull of my credit? Will I still get the 100K points?

Max

Does reqesting an annual credit report hurt for the credit history ?

Jacob

if its my first card is there any chance i can get card

Chossid

So I am not sure how many cards I or my wife have applied for in the past 24 months. I know it isn’t crazy. Is there a way to check? Our income last year was over $150k and this year is set to be $250k or so but still nervous.

Jacob

@dan also can i buy gift cards to add up to 4000 and where do u suggest to do that?

Avi

@Dan
What was that part about $100 global entry credit? Can you explain that. When does that apply? Does that count towards travel or separate? Does the credit happen automatically?

na nach

APPROVED

A.

If I have a very good business relationship with Chase, should I ask my contact before applying? In the past I did receive one of those letters from Chase about opening too many cards. Before applying for this new card should I ask my contact or should I apply and get the letter and then ask my contact for help? Also, can applying and getting denied ruin my credit?

Avi

Which credit agencies does chase pull info in NJ

tony

@NA NACH WHEN DID U APPLY?

Dan

@Moshe:
Another rep just told me the opposite.
I guess we’ll see!

@endofbonus:
Sometimes yes, sometimes no.

@Rob:
I would downgrade it to Freedom Unlimited or Freedom.

@shmool325:
No.
You get a new $300 credit for 2017.

@MYN:
No.

@Jeff:
Sure.

@David:
No hard pull and no points to upgrade.

@Max:
No.

@Jacob:
I would start with an easier card to get.

@Avi:
If you spend $100 on a Global Entry membership you’ll get an automatic $100 refund.

@na nach:
Congrats!

@A.:
You can apply and then ask for help if needed.
A denial won’t ruin your credit.

Bob

@Dan
How do I check if I applied for more then 5/24, I don’t remember exactly when I got all my credit cards

Mike

Is there a way to check all my past applications and their dates?

Rob

Just approved!

Dan

@Mike:
http://www.annualcreditreport.com and look to see which accounts have an opening date in the past 2 years.

@Rob:
Congrats, me too 😀

JACOB

@DAN THERE IS NO WAY I GET ACCEPTED?

Jeff

Thanks for the heads up on this card, Dan. Instant online approval!

tony

@dan when did you apply??

Steve

Is the 300 travel credit one time up to 300 or combined?

liha

Dan, a few. Weeks ago a someone added me as an additional to their card, it showed up on my report didn’t remember opening a new card recently so contacted Amex and they removed me, also disputed with eqafax, it’s still pending supposed to be resolved in the next 2 weeks. Should I wait this 2 weeks or can I sign up now? My score was 760 dropped to 720 because of new card, should I wait this 2 weeks? Does it make sense the signup bonus should decrease in next 2 weeks?

Steven

Can you walk us through the process to get approval with chase private client? Do you just give the banker the denial letter and ask him to help? My chase banker is very not with the program

Leah

Hey Dan I was wondering, if I sign up for this card is there any specific other cards I should apply for on the same day so that I will all be on the same credit check??

Eli

Hi dan I am a private client and I was denied due to 5/24 what should I do now recon or is it a waste of time?

Gluck

I have exactly 5 credit inquiries from experian (the other two I only have 1 more combined), will I be able to get accepted?

Yaakov

Is here a minimum income requirement

Anonymous

I got it today. 0/24. 24K Credit line. Now just need help hitting the $4,000 spend…

Nick

I’m approved but confused with travel credit. Effectively that 300 you get in 2016 and 17 you HAVE to spend or your gonna end up paying 450 membership fee instead of 150? Is that correct??

jew

Dan, why did you reply to “A” (end of comment 47) that denial wont hurt his credit? Doesn’t a denial mean a hard pull?

tryintohelp

FYI my personall experience – and ive heard from others as well- when it comes to chase 5/24 rule if you call recon line and tell them which cards you have are AU thell verify it on the spot and move ahead with approving you

Joe

Dan, i haven’t seen any data points on these specifics, can you help me out here?

1. Does removing yourself as an AU help with 5/24 any more than closing an individual account would?

2. Does lending credit (open personal loans or student loans) count towards 5/24?

Schmo

So Dan, I assume you have more than 5 apps the last 24m. What’s the scoop?

Mike

How do I find out if I have chase private client?

Tovi

Just got this card. Does anyone know if you still get reimbursed for Global Entry even if you apply for someone else with your card( like your spouse)? I’m figuring you would get a credit since it goes by account not by name….

5/24

so review credit report and count how many opened on or after 8/22/14?

Nick

I just reread it Dan!! I get it now thanks!

CL

What CL Number do they want to see compared to your income?

Moshe

@dan, have more then 5/24, any point trying to get approved? (not a chase private client unfortunately)

Chickensauce Torah Hashem

DOES ANYONE KNOW HOW TO PUT MONEY IN THE CREDIT CARD SO IT WILL WORK AT A SUPERMARKET?

Shmuel

I really want this card, but I’m over 5/24, so it doesn’t make sense for me to even bother applying.

I checked pre-screened offers, and didn’t see anything listed, but this is most likely because I opted out of pre-screened offers at some point. So I opted back in, but I have no idea how long this takes to have any effect.

Anyone know?

Chaim

Over 5/24 but got approved by transferring around credit lines!

hesh

Would gift cards count as travel spending like amex?

Mendy

Just got approved!! Tks DAN 🙂
applied online and got a decision pending, called the reconsideration line and got approved 🙂

AZ

@Dan still possible to be approved if one of my chase accounts was closed for inactivity recently?

Avi

@Dan:
@Dan
This is in addition to $300 towards travel correct?

Anonymous

@Julian: anual credit report

Kyle

I was over 5/24 and got pending/7-10 days..didnt want to waste the hard pull do applied and instantly approved with 30k combined CL for 2 other chase(non-5/24 cards) did i hurt my chance at reconsideration by applying for those two others? Any RECON line open Now?

Dan

@Jeff:
Congrats!

@tony:
When I made this post.

@Steve:
Combined.

@liha:
I’d probably wait.

@Steven:
You can ask for help, but becoming private client will help much more.

@Leah:
Depends on what other cards you have.

@Eli:
Call Recon of course.

@Gluck:
It’s not about hard pulls, it’s the number of accounts actually opened in the past 24 months.

@Anonymous:
Congrats!

@Nick:
It’s $300 for free for anything travel related in every calendar year.

@jew:
I said it won’t ruin his credit.
A hard pull will cost you a few points for 6 months. No big deal.

@Joe:
1. You would also need to have the AU removed from the report.
2. No.

@Schmo:
Get friendly with a banker and become private client.

@Tovi:
You will.

@5/24:
Yes.

@Chaim:
Nice!

@hesh:
From airlines or hotels? Sure!

@Mendy:
Congrats!

@AZ:
Yes.

@Avi:
Yes. Global Entry reimbursement comes on top of $300 in travel spend per calendar year.

@Kyle:
Probably.
They close at 10.

Joseph

Declined, too many recent apps 6/24 but they were all in 2014. None in 2015 or 2016, and one was an au on spouses card. Any suggestions on how to get this card!

Bruce F

Thank you Dan I just got Approved for the Chase Sapphire Reserve this is my 4th card from Chase and I had been approved for the Freedom Unlimited just 4 months ago.

BethCLE

Wahoo – Thanks Dan! I was approved! Do we know if this will offer referral bonuses…

my08701

I love your suggestion regarding EZ Pass. is it standard that it will be categorized as travel, or does something have to be done?

Doug

I find it quite odd that Dan would get approved for this card, as it seems highly unlikely that he’s not over 5 in the past 24.

I’m not saying I don’t think the approval is true, but I am wondering what he said/did to get approved and why he isn’t sharing it (Dan MUST know that everyone here is thinking the same thing…)

Brian

Are you sure you can transfer all of your Chase points to this card for 1.5 cents per dollar for travel?

JJ

Hey dan Ive been approved but chase Is telling me that I wont be able to get the CC for another week is there a way around that?

YY

I got approved, but did not have 5/24 so no problem.
Anyone know whether it is worth it $75 a year for additional cards ?

Nick123

@dan I have applied but didnt get instantly approved i have to wait for a letter of either approved or denied! Should i wait for the letter and proceed from there or should i call recon right away?

Shmendrikstein

@Chickensauce Torah Hashem:

Hey– you stuff the money inside the credit card. When you swipe the credit card it slowly squeezes the money out.

LB

Any info on the Virgin Atlantic uses for Delta?
Seems like all other ff programs got a full paragraph besides this one…

Nitantnel

@Doug:
He wrote here time and again that you can get approved when over 5/24 if you have Chase Private Client.

@ Nitanel

@Nitantnel:

Some CPCs have been declined despite the understanding that 5/24 does not apply to CPCs. I too would like to know what the trick is to get approved. Ordinary recon does not work.

Private Client Declined

Dan,

I’ve been a Chase Private Client for years. I am well over 5/24 (though I’m guessing less over it than you 🙂 ). I applied online and was declined. Ordinary recon twice said no chance. What do you recommend? I have a phone call into my private banking rep.

Thanks.

Chaim

Thanks Dan, Got approved.
I called to request Rush on the card as I am travelling next week and they told me they are not providing rush for this card. Is that really true or should I HUCA?

AHB

…you can request from the bank or credit bureaus to have those removed from your credit report so that it doesn’t negatively impact your ability to get approved for a new credit card.

@Dan please advise how to do this…is this online, phone etc?
Only after a denial?

TIA

BB

Does $300 credit work like plat card with $300 towards delta EC for example?

High end hobo

Any idea when the 100k offer will end?

Points lover

Dan I hope you answer this question as I’m a huge fan of yours. In the last 24 months all I opened was the business plat amex business gold and every day preferred Citi prestige citi premiere. Can I go for sapphire reserve? Or I’m over 5/24

S. Rosenberg

Trip delay is now 6 hours not 12 as you wrote, but its still inferior to Citi Prestige 3 hour.

GR

The offer on the Chase site says 50,000 miles.
Did the offer change?

Mendel

anyone know if purchases via MileagePlus X count for travel expenses to receive the $300 credit?

Refuafan

Do cards like the Staples CC count for the 5/24 rule?
Any word on how long this offer will be around?

lev

I have a $8,000 balance transfer balance on my Sapphire Preferred for past 6 months, 750 credit. Should I bother to apply?

Izzy

Any idea how long this promotion will last? And can i pay rent with radpad with chase reserve? (was not able to add my sapphire preferred or freedom to android pay)

Cool benefit

My kids sleep away camp fees were counted as a travel expense in my CSP card this summer so that should also get people 3x points on this card!

Mlkfjams

If approved for chase ultimate reserve, should we close ultimate preferred? Is there any reason to have both?

DB

Approved on the spot!! Thanks so much Dan!!!

Shlomo

Dan thanks for this and all you do.
I had preferred and applied for this and got instant approval.
Two questions:
Will I get the signup bonus? I didn’t get it on the preferred card as I didn’t realise I needed the spend in three months.
And secondly, what are the pro and cons between this card and the preferred? Should I cancel the preferred now?

maya

i just read about chase private client – concierge banking. it seems you need to get this service:

An average balance of $250,000 required. Qualifying Chase deposits and investments include the following:
a) Up to 9 Chase Private Client CheckingSM accounts, personal savings accounts, Chase Liquid® Cards, CDs, certain investment management, fiduciary and custody accounts, certain Retirement CDs, or certain Chase Retirement Money Market Accounts (balances in Chase Money Purchase Pension and Profit Sharing plans do not qualify); and

Harry

Applied and immediately approved. Great value card with tremendous benefits for anyone who travels a lot.

Harry

@Private Client Declined: Say some kappitelach. Having been a Chase Private Client for years you should simply have gone through your rep who has every reason to keep[ you happy.

New Guy

Hi Dan. I opened my first CC only 1 year ago and I have 3 CC. My credit score is 710. Is it worth a try?

Joseph

How long does it take to get authorized users off credit report? Can I request they be removed and apply right away?

YM

I have had the sapphire preferred for several years, is it worth it to apply for this card and close the sapphire preferred? I don’t want to pay the annual fee for both

Dave T

Dan, seems the rewards are very similar to the Amex premier rewards gold. If I have the Amex gold and chase sapphire preferred would you suggest downgrading both of those cards to no annual fee and using this as my primary? Do I do that before or after applying for the card?
Thanks!

yoni

dan- does the travel credit include gift cards from airlines. meaning can i buy a 300 gift card from united and have it covered?

Bp27

Is Global Entry / TSA Pre considered a travel expense? Meaning if I do two applications (me and my wife) will the second one get credited as part of the $300 travel credit?

Yisroel

Can I prepay $300 into my ezpass account

Anonymous

@Bp27:
i asked dan that, he said it is in addition to the 300 travel. it reimburses the $100 for global…

Nikki

Thanks Dan! Any idea how long this offer will be around? We just got the United Chase card and havent met the spending limit for it yet so would like to wait a month or two before applying for this one if possible.

mrs k

hi when i try to redeem points for travel thru chase unlimited i dont see the value 1.5 cent perr mile what am i doing wrong ?

Brandon

same question as Joseph – what’s the best/quickest way to get CC’s off my credit reports on which i’m only an authorized user? that’s going to make the difference as to whether i’m over or under 5/24. thanks Dan!

jonny

0/24, approved with 24K credit limit, expedited shipping. Now need to figure out how to spend 4K in 6 mos…

Ush

When does this offer expire?

jacob

I have a score from 754 but I didn’t open any Credit cards yet will I get Approved ?

YGX

Approved, thanks for the hookup!

ariella

I was approved immediately!

I wonder if I should try to downgrade my united mileage plus card.

AdamN

Which Priority Pass membership do you get? Do you need to pay a $27 fee every time you go there like with the AMEX Hilton Surpass?

Anonymous

@Anonymous:
That wasn’t the question. I know that the $100 reimbursement is besides the $300. Question was about using the card for a second application. Will the second $100 go against the $300 travel credit.

mrs k

803 score application pending

Yaakov

Can I get this card with the sapphire preferred . I want to do a 2 bm and get 50 k for the preferred also

daniel

i applied, got denied. i called reconsideration, said it was because of 5/24. i went through my 5 cards with her and we realized that BECAUSE I WASN’T A PRIMARY ON 1 OF MY 5 CARDS, THAT MEANS I DIDN’T PERSONALLY APPLY FOR 5 CARDS…. I CAN BE APPROVED.

i hope this is helpful for some….

good luck!

DK233

Will there be a dedicated line that you can call CS similar to CSP?

Ben

Dan, Just got approved, thanks!
The rep informed me that it is $300 of travel on the card anniversary day not every new calendar year.

Josh

do you get 5x rewards on cable and staples on this, or thats only INK?

Chaim

@Daniel

Thanks for reporting that.
I hope it fixes my issue.

Chaim

Dan –

What still needs to be confirmed –

1 – Is it $300 per card anniversary or per calendar year?

2 – Will lounge access allow guest/s, how about a child or two?

3 – Will purchasing airline gift cards be credited or only actual travel?

Anyone who help, please do!

Sruli

Got it, thanks Dan!

Al

Becoming a Chase Private Client is not as simple as “getting to know a banker”. You need to keep a MINIMUM $250,000 on deposit with Chase! Why didn’t you mention that?

Chaim

@Ben
And to answer one of the above questions.

From the T&C –

A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to $300 in statement credits annually (“annually” means the year beginning with your account open date through the first December statement date of that same year, and each 12 billing cycles starting after your December statement date through the following December statement date).

**********

Sounds like $300 from now until December and then once a calendar year afterwords.

David B

Are Store credit cards counted towards the 5/24 rule?

Shargy

I was approved immediately yesterday, how does the Priority Pass work? will I get a Pass? or I will just need to show the Credit Card when I enter the lounge?

Yaakov E

Approved!

Anonymous

@Al: no with 250k anyone can become a CPC with a good relationship the banker can ”make” you a CPC

John

I am 5/24 but will be 4/24 next week (I opened a CC on 8/28/2014). Any idea if this offer still be available in a week?

Danny

@Dan:

Thanks Dan Well if they don’t cover lost items that’s a HUGE disadvantage since theft you’ll need a police report etc….

Dan

@Joseph:
Did you tell them about the AU?
When will you fall under 5/24?

@Bruce F:
@BethCLE:
Congrats!

@my08701:
Was travel for me when it charged my card.

@Doug:
I said several times, create a relationship with a banker and get CPC. Or get added to an account of someone who has CPC.
Proof if you need it:
https://i.gyazo.com/5d7538a84df91ab6d96106ba45883a07.png

@Brian:
Just transferred my points to Sapphire Reserve and it worked just like I said it would:
https://i.gyazo.com/53b1bde7b5f94abb8d2cff8781311389.png

@YY:
Congrats!
Depends if the AUs want their own guest lounge membership.

@Nick123:
YMMV

@LB:
I’m not an expert in their program.
They run promotions that make coach travel a decent deal, but their business class comes with lots of fuel surcharges.

@@ Nitanel:
Depends on your Recon skills. This stuff is always YMMV.

@Private Client Declined:
Yup, call your banker.

@Chaim:
They told me that too.

@AHB:
Can start by making phone calls.

@BB:
Of course. The $300 credit is far more widespread than the $200 AMEX Plat credit.
It’s good for anything travel related as I wrote in the post.

@High end hobo:
No clue, sorry.

One rumor said it will go down to 75K after the initial offer.

@Points lover:
AMEX business doesn’t count towards 5/24, so you should be good.

@S. Rosenberg:
Thanks

@GR:
Follow the link in this post.

@Mendel:
I don’t think that works with Visa, but if you try let us know.

@Refuafan:
If it’s on your report it counts.
No clue.

@lev:
My crystal ball is broken today 🙂

@Cool benefit:
Wow, which camp?

@Mlkfjams:
You can downgrade the Sapphire Preferred to Freedom or Freedom Unlimited.

@DB:
Congrats!

@Shlomo:
1. Yes.
2. Sapphire Preferred doesn’t have benefits over this, but you can downgrade it to Freedom or Freedom Unlimited which do.

@maya:
$250K is their guideline, but a banker can make anyone CPC if they want to.

@Harry:
Congrats!

@Harry:
Can always call him for help afterward.

@New Guy:
My crystal ball is broken today 🙂

@Joseph:
It won’t be immediate.

@YM:
You can downgrade your Sapphire Preferred to Freedom or Freedom Unlimited.

@Dave T:
You could do that afterward.

@yoni:
Sure, anything travel related counts.

@Yisroel:
Should be able to, but test it with a smaller amount just to confirm.

@Nikki:
Don’t know, sorry.

@mrs k:
You need to transfer it to Sapphire Reserve:
https://i.gyazo.com/53b1bde7b5f94abb8d2cff8781311389.png

@Brandon:
Some Chase reps will not count those while others will.
But you can start by calling the banks and bureaus to remove them.

@Ush:
Unknown.

@YGX:
@ariella:
Congrats!

@AdamN:
Unknown at this point.

@Anonymous:
I’m not sure, sorry.

@Yaakov:
Yes.

@daniel:
Congrats!

@DK233:
Yes.

@Ben:
The rep is wrong.

@Josh:
Only Ink.

@Chaim:
1. Roughly per calendar year.
“A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to $300 in statement credits annually (“annually” means the year beginning with your account open date through the first December statement date of that same year, and each 12 billing cycles starting after your December statement date through the following December statement date).”

2. Unknown.

3. Of course, that would be travel.

@Al:
False.
You can get CPC with zero balances if you have a good relationship with a banker or if you are a joint holder (even on a free safety deposit box) of another CPC member.

@David B:
If it’s on the report that Chase pulls, yes.

@Shargy:
You will get a PP membership card in the mail.

@Yaakov E:
Congrats!

@John:
It should be.

@Danny:
Each card has their pluses and minuses.

Me

APPROVED! THANKS!

BG

The application link is dead

Abe

@Dan

You still have the old Chase site?…

Abe

Approved after some phone verification (don’t know why i always have to call in to verify)

SW

When is the annual fee due? right at the beginning? or at the end of the year?

Dan

@Me:
Congrats!

@BG:
Working on that now, thanks.

@Abe:
Long live the old site!

@Abe:
Congrats!

@SW:
Beginning.

Shragy

Is the annual fee and the reimbursed charges (Global Entry/$300 travel) counted towards the 4k spending?

And if is there any reason not to transfer points from the preferred to the Reserve?

Meir

I made this card in the small print the bank gave me it says that the 2nd $300 credit will only post after 12 billing cycles of first credit

yudig

Spplied early am, got 7-10 day waiting message, called recon later in day. verified info, gave them the suggested DD recon shpiel and got approved by moving credit over.

was offered new credit but it would meant ‘another’ review so I said no thanks!

I have chase private client (never asked for it, just says so online ever since the new design rollout) and are over 5/24 if amex cards/adding au’s count

Anonymous

@yudig: what do u mean by the DD Shpiel?

Ben

They approved me for $32,000 credit line. This credit line is way to high for me to use. Does it effect me if I have a bunch of credit cards and I am not using most of the credit? What % of my credit is best to use monthly? Is there a way for me to lower it?

commonsense

anonymous, I’ll gladly fill up your $4000 for you if you pay the bill:)

Anonymous

…you can request from the bank or credit bureaus to have those removed from your credit report so that it doesn’t negatively impact your ability to get approved for a new credit card.
@Dan please advise how to do this…is this online, phone etc?
Only after a denial?
TIA

@AHB:
Can start by making phone calls

@Dan to whom? each credit bureau, amex and chase bank?

lindnuck

Immediate approval. Woot! Thanks Dan.

yudig
adam

I just got off the phone with chase. It is not a $300 travel credit. It’s a credit for incidental fees like baggage. The person even asked her manager after I told her what the website states. “$300 Annual Travel Credit A statement credit will automatically be applied to your account when your card is used for purchases in the travel category.” I asked her what about upgrades or purchases like food? And how would they know if I purchased my bags or other incidental fees if I included that in my total purchase let’s say from orbitz.com? She couldn’t give me a real answer. Btw is a maximum statement credit of $300.

Also, you will not get the 100,000 bonus points if upgrading from preferred. But if you apply and get approved you can transfer the preferred points to reserve and use the 50% off with points.

Was really excited about this card but not so sure anymore. Then again it just came out and they seem to have no clue on whats going on.

yudig

@Ben

you don’t ask to lower credit line, it’s a +…next time you apply for card(s), you can tell them to use some of that credit if you don’t get instant approval

just use every card a little (at least) and pay off bill on time. try and keep use to under 15% of total credit

Harry

They are telling me “We’ll let you know our decision in writing as soon as we can” what does that mean?

dave

Said 30 days would let me know. 2 hours later showed up on my profile. Cool!

yudig

@Ben:

dont lower the credit line. keep use to under 15% of total credit. use all your cards on monthly basis and pay bill off on time.

see here: http://www.dansdeals.com/archives/53213

yudig

@Harry:

it means get on the phone and call reconsideration dept to get application approved

Dan

@Shragy:
Unknown.
No reason.

@Meir:
It does not say that at all.
It says,
“A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to $300 in statement credits annually (“annually” means the year beginning with your account open date through the first December statement date of that same year, and each 12 billing cycles starting after your December statement date through the following December statement date).”

@yudig:
Congrats!

@Ben:
It’s fine.

@Anonymous:
Start over the phone.

@lindnuck:
Congrats!

@adam:
DROPR (Don’t rely on phone reps).
The credit on the Sapphire Reserve is good for any travel purchase.
The rep is probably thinking of the credit on the Chase Ritz.

@dave:
Nice!

Chaim

Do I need to add an AU in order to get the 100K points or is just applying for myself enough?

Dan

@Chaim:
No need for an AU.

SR

Got application pending response… Called recon line and got approved by moving some credit from dormant cards… Thank you!

keo

@dan when will the cards come?

Avrohom

Dan, Have a 4.5k charge today for travel. I got the numbers from my banker, does anyone know if i can charge the card before it comes in the mail? Getting different answers from different reps.

Moshe

Thanks Dan got approved for $10k

tziki

got approved can i downgrade the sapphire to a no fee card once i receive the reserve ?

jakov klein

got the card today for my wife (applied last week with the leaked link )

was more the 5/24 (as you all know that that link didint had that rule)

got $10000 credit line

the card comes with a nice box (nicer than amex/citi prestige…….)

needer

my goal is family of 4 to do global entry, $100×4= $400
looks like this card will only allow 1 global entry $100 for free, if I get 3 other cards for $75/each, will each of those cover global entry?
is the only benefit airline lounges for getting each family member a card for $75/each?
my other option is amex $450 card, from what I hear is I can get each of them a card for $40/each and that covers global entry from each
any recommendations

Anonymous

@needer: Global entry is $100 EVERY 5 YEARS, the additional cards are $75 each year… Dont think its worth it just for global entry

Yidel

Hi Dan, i have more then 5/24. And from my experience with the Sapphire Preferred is that the system automatically denied me for the 5/24 reason, and i tried a few reps to move money around from diff. cards, and they said that since the system automatically denied me, they cant help me anymore… do i have a better chance getting approved by applying in a chase branch? so they can move around credit from my existing accounts?

YL

@Dan: Does it matter which link is used to apply or do you automatically get the 100k offer when applying now. I used the link you have in the post but don’t remember seeing the 100k. APPROVED!!

Dan

@Avrohom:
You have the expiration date and CVV?

@Moshe:
Congrats!

@tziki:
Yes.

@needer:
Unknown at this time.

@Yidel:
Recon can move credit, but if you were denied for 5/24 then your best bet would be to become CPC.

@YL:
The link in the post is for 100K.

Avi

Is the $450 annual fee per card anniversary or per calendar year?

Dan

@Avi:
Per card anniversary.

Approved with the help of CPC rep!

Didn’t think it would take this much time or so many hoops to jump through, but all’s well that ends well. I’m approved. CPC does help! As does having credit availability to move around.

Anonymous

@Dan my banker gave me the expiration, and my travel agent said he doesn’t need the CVV, do you think it will work? Getting mixed answers from chase

Dan

@Approved with the help of CPC rep!:
Nice!

@Anonymous:
What do you have to lose by trying?

Avrohom

@Dan:
Nothing, wanted to know before I applied because of the travel purchase, but now gonna try anyways.

Moish p

a bit off topic, but I have a BA free companion ticket when you use Avios for the first ticket. To Tel Aviv, the taxes, etc., were about $650 per ticket. Any ideas how to get there w/o these surcharges? the travel needs to be on BA for this offer.

Nick123

@Dan Thank you very much for all your help!! just got Approved after calling recon for 10k

Jimmy F.

As a data point for those that care. I am WAY over the 5/24 rule. I applied on line and got that “we’re thinking about it” message. I called recon today. The agent asked a number of questions to confirm my income. He ultimately asked what credit limit I wanted — I said I would be ok with $5k — he advised the minimum on this card was $10k limit. I said, “sure, I’ll take $10k then”. I then offered to have him move credit from my Freedom card to the new card — he said, that would be helpful. I was then approved! From what I can see online, it looks like he took the full $10k credit from my Freedom credit limit (it’s now down from $35k to $25k).

So, it looks like the 5/24 rule is not being applied.

Thanks Dan.

Eli

@Dan: Hi dan. im a chase private client and you told me earlier to call recon i did as i was told and they asked me if im ready to move credit from another card and i agreed… now they said that my app went into a pending stage that can take 30 days and there is nothing they can do what does that mean i keep calling and they are saying the same thing?

Shmuel

@Jimmy F. Are you a CPC? And what was your income, if you don’t mind me asking?

Jud

Dan or anyone for that matter. Have you actually seen the EZ Pass toll charge get credited back? Or are you just seeing that its billed as Travel. Someone told me a chase rep told them that EZ pass would not be covered for the $300 reimbursement fee but rather only for 3x points.

Dan

@Moish p:
Can’t be avoided.

@Nick123:
Congrats!

@Jimmy F.:
Nice!

@Eli:
I’d hang tight or have your banker call for you.

@Jud:
Any travel that gets 3x works for the $300 reimbursement on this card.

Izzy

What are my chances of approval with a Fico of 730 and 3/24

mushka

does the 300$ travel credit come as it’s spent or at the same month the annual fee is due?

Nick123

@Izzy I have a Fico Score of 724 and and also 3/24 and got approved so you might want to try your luck

starting up

thank you for sharing! i am just starting up and am very excited for the spend bonus! how many points are roughly needed for a round trip JFK to TLV economy and JFK-TLV business? i wana know how many points i need to rack up after i reach this one.

Dan

@Izzy:
Crystal ball still down, sorry!

@mushka:
It’s per calendar year.

@Nick123:
Nice!

@starting up:
It depends if you use miles or book a cash ticket.

If paid coach is $800 then an award ticket at 1.5 cents per point will be about 53K points.

A United business saver award is 140K miles.

If paid business is $2,400 then an award ticket at 1.5 cents per point will be about 160K points.

starting up

thanks Dan! those are round trip? I was under the impression that alot more points are needed to get a round trip ticket

Dan

@starting up:
That’s round-trip.

Nitantnel

Thanks dan for your responses here, gained a lot from it!

Suggestion: If would be cool if you can highlight the comment to which you are responding to, this way it won’t be necessary to go back and forth from the comment to the response.

Mark

I’m not convinced how much FICO matters (obviously it matters below 700 or so, but not so much above) because last year I was denied a freedom card (already have plenty of others including CSP, amex plat, and a bunch of others) by Chase despite having a FICO of 830-something at the time. I called recon a few times and was refused every time. Since then, I’m afraid to apply for any Chase product because the freedom is an “entry level” card and if they refuse me for that one, then kal vachomer, they would likely refuse all others. And I don’t want to waste hard pulls for no reason. Also since then I’ve opened a Chase bank account (for the good bonus they had last year) which is CPC. So I will give CSR a try, but only at the branch with my private banker (whom I’ve only met once while opening the account) when I get chance. Interestingly enough, I checked my FICO today and it is 850 … that’s the highest I’ve ever seen it, before today the highest I ever received was 845 a few months ago. I try to monitor it regularly, but most of the time I forget to check.

Dan

@Nitantnel:
Thanks.

If you click on the name of the person I responded to it will take you directly to their comment.

@Mark:
Where are you checking your FICO that is showing an 850?
That’s extremely improbable.

ybeeds

Thanks Dan! Got instantly approved with a 10k credit line. I already have numerous CCs from Chase with way higher credit lines. This is my first new CC in around a year.

Jacob

Will the 300 credit work for mta subway/buses?? Njtransit??

Nitantnel

@Dan:
True, but it would be easier if you see it right there, similar to how it is on the forums.

BTW, Mark probably looked at the Citi FICO score, which has a range from 250-900:

“The scale of the score is from 250 to 900, not the 300 to 850 you’re used to. That’s not because this is a Vantage Score (it’s still a real FICO), but because Citi is showing you the specific score used for credit card accounts. FICO offers a separate scoring model for credit cards that helps banks better target customers for the unique demands of a credit card. That score ranges from 250 to 900 rather than the 300 to 850 range you’re used to seeing, and Citi has decided to let you see the very score it uses.”

Shalom

My credit score is now 632 and got approved

PAUL

CAN SOMEONE TELL ME IF THIS CARD HAS THE GOLD STATUES THAT AMEX PLATNIUM COMES WITH? THANKS

Jack out of the box

@Jimmy F.: Thanks for giving me hope. Now I’ll try my luck too.

Charles

Any time frame published for this offer?

Eli Z

Not sure if this was asked but is 3bm still alive and well? Was thinking of Sapphire reserve, Sapphire, preferred and southwest.

Also what is the rule with southwest? If you’ve gotten the bonus within how long are you not eligible?

Starting up

Thank you, that helps! I got my husband approved. We will aim for the 160k each. That’s allotta points in three months lol!
Do you know if auto insurance can count towards $300 spend/refund?

Jerry

Applied on Monday. Got the review email. Called today, they told me I had too much credit on other cards (included was my wife’s cards that I’m an AU), I offered to move credit. Viola! approved!

Slim

I just got a chase ink 60k bonus offer in the mail today. Will signing up with multiple browsers affect either one?

Steven

Dan – on the recent PreCheck/Global Entry post, right after mentioning the Sapphire Reserve card, you said: “But you shouldn’t use that credit to signup for PreCheck.” Why not?

drew

I have 4 “pulls” on my credit, if I do 5 will it hurt me? 776 fico

Yed

Over 5/24 and current Fico 634-681 (just dropped a day before though) approved for 27K cl
Applied in bank with CPC banker but got approval straight away so not sure I wouldn’t get instant approval online.
was denied freedom just a few months ago when Fico was much higher.
once I was approved I started to think about getting another card on that same pull but I most probably missed the boat since I didn’t come up with those thoughts until the next day,( by now i’m already 2 days past)
do I still have a chance???

philip

can i use the 300$ travel credit for amazon through united?

howie

I applied and it said was pending, when I alled recon they said was instantly denied cuz too many cc in 24 mo is there anything I can do now?

Schmuey

Decided to try after weighing the benefits. I was instantly approved. I’ll cancel my Sapphire Preferred card when its annual fee is posted. I’m not affected by 5/24 (yet) so it was a breeze.

Eitan

Is the 4K spend net of travel reimbursement or gross spend? In other words if I spend 4K on travel and get $300 reimbursed for a net amount of $3,700, did I still reach my 4k spend minimum?

Izzy

@Dan: REJECTED
300k income
FICO 760
200k in checking
Chase has my mortgage. I offered to sign for Private Client
Too many cards. Recon rejected

@dan

I was originally not approved for 5/24 spoke with the rep and they realized I had to as additional cards so they moved my line of credit from my freedom after an hour they said it looks OK they just need to connect me with another department to confirm that I sent in the application and I did then they asked me to verify my ID so I faxed that into them yesterday and today they are telling me I am denied and will not disclose why what am I to do? Can it be that there was another applicant from the same address that was denied for 524?

JOSH

ON PRIORITY PASS WEBSITE IT SAYS FOR CERTAIN AIRPORTS YOU HAVE A LIMITED NUMBER OF GUESTS. IS THAT NOT THE CASE WITH THIS CC?

DO YOU HAVE TO REQUEST TO BE REIMBURSED FOR TRAVEL EXPENSES OR IT IS DONE AUTOMATICALLY?

THAKS

Dan

@ybeeds:
Congrats!

@Jacob:
Yes.

@Shalom:
Nice!

@PAUL:
It does not.

@Charles:
No.

@Jerry:
Congrats!

@Steven:
Because Global Entry is better.

@drew:
Don’t sweat it.

@Yed:
You can still do it.

@philip:
Seems like no, but try a small purchase and let us know.

@Schmuey:
Downgrade, don’t cancel.

@Eitan:
Unknown at this time.

@Izzy:
So try for CPC in the bank.

@JOSH:
This card has no limits on free guests.
It’s automatic.
Also, it might be time for a new keyboard.

Josh

@Dan, thanks for advice, new keyboard now active.
I know this is not the theme of the thread but does global entry or tsa precheck work for my kids if i have it? or do they need their own separate account? Does age make a difference? Thanks!

Dan
Lev

@dan I was originally not approved for 5/24 spoke with the rep and they realized I had to as additional cards so they moved my line of credit from my freedom after an hour they said it looks OK they just need to connect me with another department to confirm that I sent in the application and I did then they asked me to verify my ID so I faxed that into them yesterday and today they are telling me I am denied and will not disclose why what am I to do? Can it be that there was another applicant from the same address that was denied for 524?

Dan

@Lev:
Try having those additional cards removed from your report.

Anonymous

@Dan: sorry for my ignorance…dont sweat it is I should try or should not?

Dan

@Anonymous:
I would go for it.

Lev

@dan lending already approved it with those cards realizing they were “additionals” then they sent me to another department that wanted me to fax a copy of ID and they say they got it but “they can not verify information “and they won’t tell me what “information “they do not have to reveal their process”

Anonymous

@Dan: Dies it need to be removed from all 3 Bureaus or experian is enough?

Yossi

If I have 720 score do I have a chance for this card?

Yed

@Dan
Thanks for the reply, you say I can still do it, do you mean to say that I can still avoid another pull even if I applied on the 22nd, If positive which card should I go for? I got 2 Inks, 1 CSP, 1 CBA 2 Citi (1 pres 1 prem) 1 Amex Gold 2 SPG (1 bus 1 consumer) and just closed Amex Plat a few months ago. (all these opened in the last 24…but gor confirmed for CSR as mentioned, do you think I should give it a shot, anything to lose?)

Thanks for all advice!

Anonymous

@Dan: tyvm!!!! so helpful

Anonymous

@Dan: and….I just got approved!!!!! thanks

Elis

Do this offer have a date when it expires?

starting up

Sorry i am asking again, my question wasn’t answered….

Will auto insurance count towards the travel for the $300?

Dan

@Anonymous:
Depends which report Chase pulls in your state.

@Yossi:
Yes.

@Yed:
Same day is better, but on different days you can usually still call the bureau to get the pull merged into one.

@Anonymous:
Congrats!

@Elis:
Not that I know of.

@starting up:
No.

Coach

i have 6 cards opened in last 24 mos. one is actually outside of the 365 days but since it’s still august and we are in august, it’s affecting it. pretty much cut and dry. i was denied bc of too many cards. they said re-apply after i get under 5. i can do after first of year and will have only 4 in 24. I spoke to the initial CSR then to reconsideration and no go. i even had my guy at Chase bank branch call. he got the Heisman too. bumma….

PITA

In my experience the insurer on Chase cards – Crawford/Chubb/Broadspire is a major PITA to deal with. On all claims, they have an insane amount of bureaucratic paperwork, and a lot of inane forms to fill out, and they are in general not worth dealing with.

They don’t come close to Amex, even on their premium cards, you will get the same service available on the Discover It Card.

Dan

@PITA:
True, for purchases where you might need those protections I’d use AMEX.

Joel

Dan, I have the sapphire preferred now. If I downgrade it to freedom unlimited does that mean my everyday purchases will now be worth 2.25 on travel. Is there a better card for everyday purchases?

Joe

Got approved with 720 score! Woohoo!

surprised

any spending ideas?

Issy

Was just approved 3rd card I opened this month

self employed

Self employed. Only 85000 income. 815 FICO. Got approved instantly!

Glenn

Does Amazon giftcards count toward the $4k spending threshold?

mlkfjams

thanks Dan.

I applied for Saphirre Reserve and no immediate response. Called recon and was told a very strong and definite NO. wrote to CPC banker to move credit over. Will see what he can do.

Based on all your recommendations and my old cards this is currently what I have in my wallet.
Chase: BA, united mileageplus Club, sapphire Preferred, freedom, ink business plus, ink
Citi: costco, aadvantage executive, aadvantage platninum (15 years)
Amex: SPG, Delta, jetblue, executive gold.

If I get the Reserve Card what is your recommendation? Any other advice? I would like to close some of the more expensive annual cards after the first year is over. I don’t really care about lounge access. Just wanted promotion points and free luggage.

Ronald

Dan – if you know, from which rating service does Chase pull a credit report 4 a NJ resident?

Dave

For these 100K points, to use for 1.5x travel, do I need to book through Chase, or can I just buy plane tickets on my credit card and have up to $1500 reimbursed? Can I combine points from 2 accounts to a single account?

Anonymous

@mlkfjams: and i would be willing to pay for a service where you would manage my cards for me. I never know which one to use. And I have store cards with points too. I never know should i get triple points at bloomingdales or use my chase preferred.

Shragy

@DAN, I was pre-approved, does that mean that they did not pull my credit report?

Dan

@Joel:
That’s what it means.

@Joe:
Congrats!

@Glenn:
Sure.

@mlkfjams:
You should be able to close several of those, namely the expensive ones that only give lounge access.

@Ronald:
Probably Experian

@Dave:
Book via Chase.
Yes.

@Shragy:
If you apply you’ll get a hard pull.

Ronald

THANKS!

thanks den

the banker said i am pre approved for a saphire perferred does that mean it will bypass 5//24 ? and can i ass well trie this one even if not pre approved for this

sean

Good job Dan.

Do you mind using a different word when a deal is over, such as sold out or “gone” (or anything else)? The other word is just grim sounding.

Benny

Hi
I got approved and I have 5/24 + 2 au and I am not a cpc and didn’t even call the reconsider department.

Newjaze

Hi! If you get denied when can you reapply??

Levi

If i have already priority pass with palt can i get another one with this card?

YY

Mine came Thursday UPS next day
Card looks cool like other sapphire cards and I already used it

Newbie

Newbie question – will a balance transfer count as the $4,000 spend?

Newbie

Another newbie question – I haven’t applied for a CC in decades. I bank with Chase (and have a very old MileagePlus Card with a balance). If I want to go for a trifecta submit and I’m looking to build points more easily used out of the NY area for airfare, which other 2 cards would people recommend?

alert

most prob. you have a farud aleart on your credit file

Bong Chul Kim

I ANTICIPATE the purchase of a new home in the near future. should i not apply for this ? must i be concerned that it will affect my credit ratings? i have way over 5/24 except that i have cpc.

Bob

I applied Thursday night. Got the 7-10 notice. I called this Friday AM was told declined b/c of 5/24. Nothing they could do. Had read about some people having luck in branch by asking if they are pre-approved for any cards. Sure enough I was pre-approved. Banker said it doesn’t always clear. Got instant approval. Banker was shocked. Said he never heard that that have 2 systems.

SC

Did you receive yours with the box? I received mine but without the box. Wonder what the criteria is in order to get the card with the box.

isaac

“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!”
i have priority pass select and the charge $27 for each guest

Dan

@sean:
It’s industry standard language.

@Benny:
Nice!

@Levi:
Yes.

@Newbie:
No.

@Bong Chul Kim:
A hard pull will cost you a few points in the short-term.
Long-term your score will he higher.

For most people a hard pull won’t make a difference, but talk to a mortgage broker.

@SC:
No box. They probably ran out of boxes.

@isaac:
That is the version that comes from AMEX Plat.
This version comes with free guests.

William Jr.

Till when is the 100K offer valid? I’m 20 and have 11 inquiries on my credit report since I’m 18. What are my approval odds? 740 FICO. I currently have the freedom and sapphire from chase. Also have personal bank accounts with chase.

Isaac

Thanks Dan for all your work

1. Got approved with 23 cl (self employment 100k/year) . is this smelling a fr ?

2. What’s the best thing to do know with sapphire preferred ? Downgrade it to freedom unlimited? To freedom ? Keep it ? Or just close it ?

Thanks

moshe k

i currently have 4/24 but i dont have any cards from chase, does it make sense to apply for this one as my first card from chase or should i try a lower card and in 6 months go for this one?
also which low level card from chase would you recommend?
(i dont have a bank account at chase)

Anonymous

I just received email from ups that delivery from chase is scheduled for tomorrow.
Does the priority pass come in same package? When I spoke to priority on Friday they said that this promotion is all ruled by chase and they don’t have any pass numbers they also said that chase is not allowing electronic passes.
I’m traveling on Tuesday and could really use it if I get it

Benny

Hi
Is it true that u can get 30k points instead of $300 for travel credits?

Shragy

Got mine on Wed.,
Cool card!

Sarah

THANK YOU DAN!!!
I GOT APPROVED ON THE WEBSITE!
THANKS ALWAYS INFORMING US OF GREAT DEALS ALWAYS!!

kevin

I am above the 5/24. My mother is not. If we apply under her and add me as an authorized user, what if any of the benefits associated with the card can I use?

Dan

@William Jr.:
Unknown.
Inquiries don’t matter, accounts approved in the past 24 months will matter for some, but not everyone.

@Isaac:
1. Don’t sweat it.
2. Freedom or Freedom Unlimited, depending on your spending patterns.

@moshe k:
You can try for this and add in another Chase card to apply for at the same time as well.

@Anonymous:
PP comes separately.
Did you apply for the PP?

@Benny:
No.

@Shragy:
@Sarah:
Enjoy!

@kevin:
5/24 doesn’t affect everyone. Only way to find out is to apply and see.
AUs get their own PP membership and Global Entry credit.

Sycats

Applied, email reply said two weeks for decision. Called, resolved issue but rep said would be 2 weeks for banker to approve (allegedly they are so busy with new applications). Balked, and rep had it approved in 4 minutes. Moral, be persistent.

Mike L

I have 6/24 but only 2 cards and 4 AU. I got the 7-10 day decision on application. From what I have read I appears I should wait till denied (or possibly will get approved) and then call recon, at which point I should get approved because really I’m only 2/24. But I’ve been reading that lots of people have called right away and with some slight persistence have gotten approved. So, what to do? Getting anxious

David

Do you have to have a Chase account to apply? Or a well established account elsewhere is also good?

CK

I am 5/24 right now, however will be 4/24 on Sept 24. Don’t know if the 100K offer will be around till end of Sept. Should I just apply or hold on until end of Sept? Would hate to miss out as I have excellent credit (820+) and income.

Alan

Dan – my wife applied with a great credit score and we are waiting on an answer – maybe to many cards opened from your site. Thanks Even though industry standard uses the language doesn’t mean on your site you have to do the same. You site is great and I’m sure you will think if something appropriate.

Deltaflyer

@Dan
I applied for the card today online and got a message that they need to review.
Called recon line, rep asked a few question and told me that she “recommended that I be approved, but the application needs to be signed off by senior analyst” and that I should check my profile in 2 – 4 days to see if the card was added.
Have you every heard of anything like this?

yony

@Bong Chul Kim:
Mortgage underwriter will probably question why you opened card and will need an LOX… No big deal but a headache..

Akriegs

Does anyone know if they tax you on the 100,000 miles?
Do you need to declare on tax form?

Sol

Hey Dan

If I have 3 individual cards and 3 authorized users cards on my credit report and one individual card will fall off at the end of September. Should I bother waiting until the end of September to apply or try now since I technically only have 3/24 with 3 AU?

how long after can I apply? Can I safely assume that November 1st would be ok? Or should I wait longer for it to reflect on my credit report..

Dan

@Sycats:
Well done!

@Mike L:
It’s YMMV.
Call if you want though.

@David:
Elsewhere is fine.

@CK:
I haven’t seen how long the 100K offer will last.

@Deltaflyer:
Normal.

@Akriegs:
No taxes are owed on credit card bonuses.

@Sol:
I’d go for it now and explain the AUs.

Yisrolik

if i am not planning on spending on travel for the next couple while, is there any way to get the 300 dollars back?

Shragy

@Yisrolik:

Make a one time payment on your EZ Pass account.

Rivky

Hi Dan!
Do u know when this offer expires?

Yussel

Got on smartphone and applied. Got approved immediately.
Big round for Dan.

moshiko

Hello Dan,

I got approved for the card!! thanks!!
is it worth it to keep my Sapphire preferred?

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