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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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.
-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)
-Virgin Atlantic
-Ritz Carlton

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!

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


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


Has anyone been approved with 5/24?


People with Private Client have.


Dan-any dates for Israel?


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.”


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!


Is 5/24 rule in effect?


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


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


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!!


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

Is EZ-Pass billed in the travel category?


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


Is there a Bussiness version of this card?


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.

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.

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


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.

YMMV. Probably just wait it out.

Mine is billed as travel, yes.

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



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


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


I’ll let you know 🙂

Not anymore.


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


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?


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


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


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


“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?


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


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?


No points for upgrades.

@Julian: and look to see which accounts have an opening date in the past 2 years.

Create a relationship with a local banker.


$150 in subsequent years.

Wait and see or call them.



@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


would buying a LIRR monthly ticket count as travel?




@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.


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?


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


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


Is Fuel also considered travel?


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


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?


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


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


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.


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


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



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?


Which credit agencies does chase pull info in NJ




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

Sometimes yes, sometimes no.

I would downgrade it to Freedom Unlimited or Freedom.

You get a new $300 credit for 2017.



No hard pull and no points to upgrade.


I would start with an easier card to get.

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

@na nach:

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


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


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


Just approved!


@Mike: and look to see which accounts have an opening date in the past 2 years.

Congrats, me too 😀




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


@dan when did you apply??


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


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?


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


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??


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?


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


Is here a minimum income requirement


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


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??


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?


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


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?


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


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


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….


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


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


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


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

Chickensauce Torah Hashem



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?


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


Would gift cards count as travel spending like amex?


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


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


This is in addition to $300 towards travel correct?


@Julian: anual credit report


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?



When I made this post.


I’d probably wait.

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

Depends on what other cards you have.

Call Recon of course.

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


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

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

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

Get friendly with a banker and become private client.

You will.



From airlines or hotels? Sure!



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

They close at 10.


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.


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


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


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…)


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


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?


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 ?


@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?


@Chickensauce Torah Hashem:

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


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


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

@ Nitanel


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


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 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?


…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?



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.


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


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


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


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


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!


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


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


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?


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


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


@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?


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


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?


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


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?


Can I prepay $300 into my ezpass account


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


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 ?


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!


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


When does this offer expire?


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


Approved, thanks for the hookup!


I was approved immediately!

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


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?


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


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


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!


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


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.


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



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


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!


Got it, thanks Dan!


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?


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?


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



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


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?



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


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

@Bruce F:

Was travel for me when it charged my card.

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:

Just transferred my points to Sapphire Reserve and it worked just like I said it would:

Depends if the AUs want their own guest lounge membership.


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.

They told me that too.

Can start by making phone calls.

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:

Follow the link in this post.

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

If it’s on your report it counts.
No clue.

My crystal ball is broken today 🙂

@Cool benefit:
Wow, which camp?

You can downgrade the Sapphire Preferred to Freedom or Freedom Unlimited.


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

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


Can always call him for help afterward.

@New Guy:
My crystal ball is broken today 🙂

It won’t be immediate.

You can downgrade your Sapphire Preferred to Freedom or Freedom Unlimited.

@Dave T:
You could do that afterward.

Sure, anything travel related counts.

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

Don’t know, sorry.

@mrs k:
You need to transfer it to Sapphire Reserve:

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



Unknown at this point.

I’m not sure, sorry.




The rep is wrong.

Only Ink.

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.

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.

You will get a PP membership card in the mail.

@Yaakov E:

It should be.

Each card has their pluses and minuses.




The application link is dead



You still have the old Chase site?…


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


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



Working on that now, thanks.

Long live the old site!




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?


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


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


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


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?


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


…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?

Can start by making phone calls

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


Immediate approval. Woot! Thanks Dan.


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 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.



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


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


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



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:



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


No reason.

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).”


It’s fine.

Start over the phone.


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.



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


No need for an AU.


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


@dan when will the cards come?


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.


Thanks Dan got approved for $10k


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…….)


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


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


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?


@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!!


You have the expiration date and CVV?



Unknown at this time.

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

The link in the post is for 100K.


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


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.


@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


@Approved with the help of CPC rep!:

What do you have to lose by trying?


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.


@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.


@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?


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


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.


@Moish p:
Can’t be avoided.


@Jimmy F.:

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

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


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


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


@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.


Crystal ball still down, sorry!

It’s per calendar year.


@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


@starting up:
That’s round-trip.


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.


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.



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

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


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.


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


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.”


My credit score is now 632 and got approved



Jack out of the box

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


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?


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!


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


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?


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


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???


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


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?


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.


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?


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


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?









It does not.



Because Global Entry is better.

Don’t sweat it.

You can still do it.

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

Downgrade, don’t cancel.

Unknown at this time.

So try for CPC in the bank.

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


@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 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?


Try having those additional cards removed from your report.


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


I would go for it.


@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”


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


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


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!


@Dan: tyvm!!!! so helpful


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


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?


Depends which report Chase pulls in your state.


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


Not that I know of.

@starting up:


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….


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.


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


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?


Got approved with 720 score! Woohoo!


any spending ideas?


Was just approved 3rd card I opened this month

self employed

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


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


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.


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


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?


@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.


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


That’s what it means.



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

Probably Experian

Book via Chase.

If you apply you’ll get a hard pull.



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


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.


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


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


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


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


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


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?


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.


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.


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.


“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


It’s industry standard language.




@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.

No box. They probably ran out of boxes.

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.


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 ?


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)


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


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


Got mine on Wed.,
Cool card!




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?


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

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.

PP comes separately.
Did you apply for the PP?



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.


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


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


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.


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.


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?


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


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


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..


Well done!

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

Elsewhere is fine.

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


No taxes are owed on credit card bonuses.

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


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



Make a one time payment on your EZ Pass account.


Hi Dan!
Do u know when this offer expires?


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


Hello Dan,

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


Prepay for anything in any travel category.

I don’t know.


I would downgrade it to Freedom or Freedom Unlimited.



I’m reading from lots of places and have my own experience talking with Chase twice and you’re the only person claiming the Authorized User card comes with an additional $100 Global Entry credit for a total of (2) credits per 4 years. I hope this is true but I’m seeing almost unanimous support for no additional credits.


2 SM reps confirmed it:
And further clarified here:
And a phone rep confirmed it as well to me.

You can send an SM if you want it in writing.


thanks again! but I already have the freedom and the freedom unlimited. should I still get rid of the sapphire preferred?


Thanks just got my New Sapphire Reserve card


Can you access the airport clubs if you are flying another airline. If i am flying Southwest can i access Delta club while i am at the airport?
Will they charge me if i take my family members into the club?


Get another Freedom.


You can access any lounges in the Priorit Pass network without flying on that airline.
There’s no charge for guests.


Applied last week, got pending message and no update. Called up today, spoke to rep, offered to move some of my Sapphire Preferred limit to the Reserve, and bingo! Got approved. 🙂
Thanks Dan!


I just received my card and i called up to confirm and activate. I asked the rep if there is any way to be able to utilize the priority pass benefit tomorrow even though I dont hace the pass yet. He told me that THEY ADDED A PERK A FEW DAYS AGO AND NOW YOU CAN PURCHASE THE LOUNGE ACCESS AND THEY WILL REIMBURSE THE CHARGES TO THE CARD AS LONG AS YOU ACTIVATED THE BENEFIT ON THE ACCOUNT.
I hope this is helpful to some of you out there

Big K

Does transportation in Israel count towards travel credit?
Thanks Dan!!


Is there a charge for additional cardholders?


is there a way to use this card before it arrives ? i want to book hotel tickets for tonight and i wont have my card yet..


@Big K:

Read the post.

If you go into a Chase branch they can tell you the number.



thank u so much!!! going now



They couldn’t give me cvv number or exp date? what now


ism then only kosher lounge option in terminal B?


as a one K member on united would i lose anything to purchase united tix on the sapphire since i met my expenditure for the year and earned my 1K


Might be out of luck.


No difference.



Might be? 🙂

whats the secret (i searched the forums.. im willing to do the work..)


Can this card and points be used on Delta and Jet Blue? You listed several airlines but these are not included.


Does gas purchase apply to the travel credit?


could someone confirm that being pre-approved in a branch bypasses the 5/24 rule?
that’s exactly what happened to me, I applied online on 8/22 and got denied for being well over 5/24, I applied again in a branch on 8/23 after being pre-approved, and it went pending with the ‘2 week message’ until they called me today for some verification and I got approved!


Applied, said needs review. Applied husband. Approved. One week later, received a card for both!! Thank you!!
Would anyone please post the link to book a points flight from chase? Thanks!!


Do theme parks count as travel?


i have the BA chase card, but its going to be useless with this… should i continue to pay the $95 fee on that card or close it? They said there are no downgrades for it… thanks.

Also- still in the 2 week waiting period despite being chase private client. Should i shift balance over from BA and maybe thatll help?
Thanks in advance and for everything.


Did I miss the 100,000 mile option? I only see 50,000 point and it is the $95 annual fee with the first year waived. I don’t see the 100k offer with $450 annual fee and related.


Okay… so I did find it… but not in Dan’s list… or through the direct link to After linking form the banner I went to their home page and it was on the home page. Do you have a direct link (so you are credited) if I want to sign up in the end there?


You can use the points for 1.5 cents each to fly on them.


Just click on Ultimate Rewards from your account.


Offering to close the BA card and moving over the line can definitely help.

You can view credit card offers by clicking on the “Other Credit Cards” tab on top of the DansDeals banner to view links for card offers. You can click on the link that says “View all card offers by issuing bank” and scroll down to view all card offers from the bank of your choice.



Hey Dan

if my 5/24 end august and on September i will be 3/24 when do you think is the earliest i could apply? september 1st or would you give it a few days?


Will I be able to transfer my existing UR points all onto this card, to take advantage of the 50% travel bonus, vs my current 20% bonus (from Sapphire)? If so, this is a material benefit to those with current points. Will increase the value of my points by hundreds of $.


Today should be fine.



is the offer still alive? seems dead, says no longer available…


I just checked my annual credit report and it’s showing that I applied for a few cards in November 2014. I checked my records (email confirmations) and I see that I actually applied and got approved for them on Sep 4th 2014. Does it take 2 months for it to show on my credit report and does the 5/24 rule apply from when I applied or from when it appears on the credit report?


Do you have any idea when this limited time offer will end?


When I click on the apply now button I get to the website
& there it says only 50 thousand points for chase sapphire is that only cause usual it’s only 50 thousand or if I’m applying via this website I’m getting only 50 thousand?


Was gone for a bit, but it’s back.

Your actual credit report shows the cards as being opened in November?


You’re looking at Sapphire Preferred.
Scroll down to Sapphire Reserve.


Yes, shows date opened 11/2014 and I have confirmations from Amex on Sep 4 2014


Got my card today in the mail, switched my preferred to freedom unlimited. Thanks Dan


Got my card in the mail but they charged the annual fee right away. Isn’t it better to apply for the card in January because the trsvel credit is at the end of the year?


after i hit submit it takes me back to the previous screen with no error message is there something wrong with the site?


i got pre-approved but they said i have to wait to see if i’m really approved, now the card shows up on my online account. does that mean i got it? also if you get the chance can you write a post that shows how to make sure people maximize their benefits from various cards i have the CSP, (maybe also reserve) amex blue cash preffered, and premire rewards gold. love your site!!


I dont see anything on the card page about roadside assistance. Do you know where I can find it. I would like to know how much it covers. Ty


@Grazira: If you see the sapphire reserve card listed on your online acct, then you are really approved and the card is in the mail.
You may even get an email stating that it is being sent.


thanx @lee


Is the $300 travel credit redeemable for airline gift cards? You advertised this for platinum in the past, but didn’t see any mention here.


just came in the mail! got a plastic one until the metal one is ready..


Just got approved in the branch 20k limit. Thanks for all your help!


On the topic of FICO scores and the Reserve card, I called Chase last night as my application is pending. They said they would like to take available credit from some of my other 4 Chase cards to create available credit for the Reserve card.

My question is now that I have moved available credit from 4 Chase cards to create a fifth (Reserve Card) does that have any negative impact to my credit score? And in a year from now when the $450 annual fee comes up and the card benefits have waned do I transfer some of that available credit back to the original cards and then cancel/downgrade or downgrade to a no annual fee Freedom card? In short a greater percentage of available credit is now sitting with the Reserve card which is a new card rather than Chase Cards of older vintages.

Do any of these maneuvers adversely impact my FICO or does FICO merely look at total available credit with Chase and history of repayment and not concern itself with how the available credit is split between different cards of different ages? Thanks Dan!


Any info on when American Express reports to the credit agencies? I just checked again and confirmed that I signed up and got approved for 3 Delta American Express (Platinum, Gold, and Business Gold)cards on 9/5/2014 and on my credit report it is showing as Nov 2014. If it goes by application date, then I would be out of my 5/24 by now, but according to credit report, I wouldn’t be out of 5/24 until November


What’s the deadline to apply for this card?


Hey Dan,

The way you described it, the travel credit rolls over if not used. Is this true?


You’ll be able to shift the lines around so that it won’t affect your credit score.
But it’s really $150/year, not $450.

Probably November.


No, where did I imply that?


Any way I can get pending points posted quicker? I have paid off the balance.


I see in the posts that EZ-Pass qualifies for the $300 in credits. Is there any way you know of to have EZ-Pass charge $300 at once so that I know I locked in the $300 in savings in 2016?


Thanx Dan for all your hard work! Was instantly approved with 5/24, 2 of which were AU. I was pre-approved and I’m a cpc so I’m not sure what did it. Does anyone have a link as how to easily meet the spending requirements?


How frequent of a traveler must a person be for this credit card to be worthwhile?
Is there a way to cancel or downgrade the card with out negative on my credit score?
Does the $300 annual credit roll over?
The 100,000 are essentially how much in cold hard cash? And how much more is it worth in virtual/traveler cash.
When am I charged the annual fee? Calendar year or start year?
Can I cancel my card before I’m charged the second annual fee, will I be held responsible? How will that affect my credit score?
In two years from now why would I still want this card?


I booked bundle hotel/flight ($262) through Expedia using the new reserve card and the whole amount was credited back as part of the $300 travel credit on this card. Amazing Card.

I just can’t wait to see what AMEX will offer to compete with this card especially after the fact that this card is better than their platinum card.


thanks for all the info! instantly approved. took around 7 seconds!


I want to get rid of my sapphire preffered because I just got approved for the reserve. Is it better to transfer the credit limit to my reserve and cancel it or just downgrade it to the freedom? (I’d rather a lot of credit on one card instead of 2)? Thanks!


You can downgrade it to Freedom/Freedom Unlimited and move over as much of the line as you want.


Now that I have this great Reserve card, any reason to continue with my Amex Platinum Business card?

$450/year is steep (even after the $200 travel credit) and most of the other perks are the same or better with Reserve.

(I also have an Amex Delta Platinum card, which I’ll keep to earn MQMs)

Thanks, Dan


til when can i signup?


Only for access to Airspace, Delta, and Centurion lounges.



When does this offer expire? Would like to triple dip in airline credit in my first year…


@zisha: @Dan: Will they warn us before they pull it or will it just dissappear over night?


Approved , got email approval 2 days later and the card 3 days later , hit 4K spending 20min after activation 🙂 and now we wait


I would love to open this card now. I can’t find the link.


When I cancelled my Amex Platinum Business card (in favor of the Chase UR), the agent told me that my Membership Reward points would be lost, unless I opened another card with them. She suggested the Blue for Business, as it’s no fee.

Dan, is this accurate?



There is a banner in this post.

Technically yes.
However that card can’t transfer points into miles. Though if you open another card that can you’ll be able to transfer all the points once again.


Hi Dan, I was approved for CSR. Want to also get the Chase Freedom for 5 x bonus points and then transfer to CSR for travel redemption. Can I apply for Chase Freedom or will it be denied for recent CSR application/approval? Excellent credit here 800+ and not even close to 5/24 (last card obtained before CSR was Sept. 2015) with no other cards years before that.


Is there any reason to hold on to the BA Chase card once I have the reserve? If not, what’s the best thing to do with the credit line?


How much do you have to make annually in order to be approved for this card?

Moshe Berger

Can I use the travel credit towards car insurance?


Can I use the travel credit towards car insurance?

points lover

just got approved instantly under 6/24 w/o cpc. talk about luck… thanks dan the man for all your help


Does anyone know if the $300 of refunded travel expenses would count toward the $4000 of charges needed for the 100k points??


Yes it does count


is this deal dead?

SoCal Dude

12 seconds for approval through Dan’s credit card site…Thx.


Update: UberEATS orders count for the $300 travel credit


Still giving 10k bonus?


is it still available?
is it worth for me to apply whilst waiting to be approved for a mortgage?



Is there any reason to keep my sapphire preffered card that ive had for 3 years already once I sign up for this card?


hey just got this card and pretty new to the cc game. if i use the card on a travel website such as priceline or expedia does that count towards the travel credit?

Wolf Aaronson

I charged my ezpass to the Sapphire reserve card and I did not receive a travel credit. I called Chase a was told the charge came through as governmental fees not travel so it was not eligible for the credit. Do you have any advice?

@ Wolf

Charge something else that will definitely code as travel quickly!


After I sign up for Global Entry is there another process I have to do in order to get PreCheck or will I automatically get PreCheck with global entry?


When I open this card can I also redeem my previous UR points at 1.5 cents for travel?


Anyone tried refilling ezpass in Ohio ? Did it post as travel?


@andrew: yes


Hi Dan, just spent ~$2k on airline tx on CSP, can i open and transfer te spending to qualify for $4k spending?

Thank you


Any idea when the 100,000 points offer will expire? Is there a point in still getting this card for this year or just wait for beginning of next year?


Ezpass is the NY area no longer will qualify as a travel expense. Just spoke to Chase. Ezpass changes the way the charge is processed and it is now a goverment fee instead of travel.


That’s only if you don’t manually load it.


How do i manually load it?


Should be able to load funds online or via the phone.


Does paying for car insurance count toward the $300 travel reimbursement?


Can I apply for another sapphire reserve card and get another 100,000 point bonus? I already got one reserve and got the bonus.


After I sign up for Global Entry is there another process I have to do in order to get PreCheck or will I automatically get PreCheck with global entry. ?


I manually loaded my ezpass over the phone and did not get credited. Chase confirmed that ezpass no longer gets you the travel credit!


When did you load?
What state?




It’s so strange. Plenty of reports from the last week that manual loads are working.


Did it on Wednesday. Chase said the change in the ezpass status is about 2 weeks old. Do you think NJ would work? Or would online be better than on the phone?


Did it post to your account yet as a confirmed charge?
It only earned 1 point per dollar?


The charge is still pending. I was just basing this off what Chase was saying and some earlier posts. I will wait till the charge goes through and let you know. Maybe it will work!! Thanks!!


Keep us posted.


LOL! Will do!



I got the reserve card for myself and my wife about a month ago, and we both already got the charge for $450 annual fee.

I thought you said there should be no charge until AFTER the year ends?!?


When did I say that?



I got my reserve card about 3-4 weeks ago. the due date is Jan. 3 but there are no statements yet. it shows i got the $300 travel credit already. #1 how do i know what the statement date will be in order to get the $300 x 3?? (December 2016, jan-Dec 2017, and february 2018) #2 i was just charged the $450 annual fee, when will i be charged the $450 again-i want to downgrade it before the second charge but after i get the $300 three times?


1st statement will close December 6.


So Dan, you are right as usual. The travel credit did get posted to my account. Another example of DROPR! Thanks for all the help:)


Hi Dan! I applied yesterday through the private client in the bank, and got approved instantly! so happy, Thanks !
My question now is: how would I be able to get the double travel credit if its only arriving on the mail this week, probably on 12/22/16? any ideas?

Yosef Z

I was approved for this card on December 13th, my closing date is on January 13th. If I call and change my closing date to December 31st will I still get this years $300 travel credit?

Yosef z

I just checked the app and apparently my due date is 02/07. I read the other threads and I’m not clear what to do. I need to call and change my closing date to exactly what date so that I could get this years credit? And what should I say to convince them if they give me problems?

Sharon Matten

Do you get free baggage check with this card? Is the baggage allowance only for the primary card holder? Thanks.


whats the best way i can use my 100k points without traveling should i sell it for $1500 (?) or first trensfer to airline? will i be able to get more this way??


i cannot book a easyjet flight on chase rewards site so can i earn anything from the price protection progrem?