Update: DEAD! Don’t miss it if this becomes alive again. Sign up for deal notification alerts here!
Update: This incredible offer for 100,000 points can end at any time! If you have questions about eligibility and more you can read all of the FAQs on this card in this post.
SMOKING HOT! Highest Ever Signup Bonus! Earn 100,000 Points On The Chase Sapphire Preferred Card!
Table of Contents
Signup bonus:
You can earn 100,000 Chase Ultimate Rewards points for opening a Chase Sapphire Preferred Card and spending $4,000 in 3 months. Those points are worth a minimum of $1,000 cash back or $1,250 towards travel and other categories, but they can be worth much more as shown below.
You can signup for this highest ever public offer here.
- Read more about this offer:
- FAQs On Becoming Eligible For Chase Sapphire Preferred’s Deal Of The Year Before It’s Too Late!
- Rejected For A Chase Sapphire Preferred Card? Try Opening A Chase Checking Account
- Becoming Eligible For Sapphire Preferred’s Mega Bonus Of The Year: Freedom, Freedom Flex, Or Freedom Unlimited?
- [Updated] 2021 Ultimate Comparison Chart Of Chase Ultimate Rewards Cards; Supercharge Your Earnings By Creating Your Own Chase Quinfecta Killer Combo!
- 22 Awesome Ways To Redeem The 100,000+ Chase Ultimate Rewards Points You Can Earn For Opening Just One Credit Card!
It is unknown how long this offer will last for.
The previous signup bonus offers on this card have been 40K, 50K, 60K, and a previous record high 80K points for spending $4,000 in 3 months.
Chase typically will not match Sapphire card offers if you signed up with a lower offer, but it can’t hurt to ask!
Also available is a 60,000 point offer on the Sapphire Reserve card, but you will be better off applying for this card and converting it to a Reserve card down the line.
Annual fee:
There is a $95 annual fee for the primary card and no annual fee for additional cardholders.
Signup bonus terms:
If you received your last Sapphire bonus on today’s date in 2017 or earlier, you are now eligible to earn another Sapphire bonus!
- You won’t get approved for this card if you have received a signup bonus on Sapphire Reserve, Sapphire Preferred, or Sapphire card within the past 48 months. You can call Chase to find out when you last earned a bonus on those cards or you can pull up your old statements online to check when you last got a bonus.
- You won’t get approved for this card if you currently have an active Sapphire Reserve, Sapphire Preferred, or Sapphire card. However you can call Chase to change those cards to a Freedom Unlimited or Freedom Flex card, wait 3-4 days, and then apply for a Sapphire Preferred card! You can keep them as Freedom cards to help build your Quinfecta or you can upgrade back again if you still want a Sapphire Reserve.
- You can apply and Chase won’t pull your credit or approve you if you are not eligible to get the card bonus.
- You will get the bonus for this card even if you are an authorized user on another person’s Sapphire card.
- If you are approved, that means you will get the bonus for this card as long as you spend $4,000 in 3 months.
5/24:
All Chase cards appear to be subject to 5/24 restrictions, meaning that you are not likely to be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card.
You can check your credit report for free at the federally authorized annualcreditreport.com to check how many accounts are shows as being open in the past 24 months.
Card earnings:
- 2 points per dollar on travel, including airfare, hotels, car rentals, cruises, subways, trains, taxis, tolls, parking, Airbnb, Uber, etc.
- 2 points per dollar on dining.
- 5 points per dollar on Lyft spending through 3/31/22.
- 1 point per dollar elsewhere.
- There are no foreign transaction fees.
Spend Threshold:
You’ll need to spend $4,000 on this card within 3 months.
You can pay your federal taxes for a 1.96% fee. If you overpay your taxes you can request a refund or apply it to your next year’s taxes.
My local natural gas company allows me to prepay up to $1,000 on a credit card for a $1.65 flat fee. That’s a great way to earn miles and help meet a spend threshold. My electricity supplier allows me to pay with a credit card for free as long as I am enrolled in autopay.
Card benefits:
- Primary rental car CDW insurance in every country.
- Trip Cancellation/Trip Interruption Insurance
- Lost Luggage Insurance
- Trip Delay Reimbursement
- Baggage Delay Reimbursement
- Travel Accident Insurance
- Purchase protection for items damaged or stolen within 120 days
Peloton Credit And Bonus Points:
Charge your Peloton membership fee to your Sapphire Preferred card and you’ll automatically get $60 back through 12/31/21.
Make a Peloton purchase of $1,800+ and earn 5 points per dollar spent through 3/31/22!
Increased points value:
If you or someone in your household has a Sapphire Preferred card you can redeem Chase Ultimate Rewards points earned from any card at a value of 1.25 cents towards paid travel.
If you or someone in your household has a Sapphire Reserve card you can redeem Chase Ultimate Rewards points earned from any card at a value of 1.5 cents towards paid travel.
Pay yourself back:
Back in May, Chase added the ability to pay yourself back and redeem your Sapphire Preferred or Sapphire Reserve Ultimate Rewards points to offset any dining, grocery store, or home improvement purchases at a rate of 1.25 or 1.5 cents per point through 9/30. They also added select charities to the program, which you can offset your donation with points.
Chase has extended those categories through 9/30/21 and tells me that Pay Yourself Back will be a permanent feature of the Ultimate Rewards program, and that they will add more cards and categories for the program in the future. This adds a ton of value to the Ultimate Rewards program as you can buy anything from those stores, even gift cards to other stores, and make them free by redeeming points at a value of 1.25 or 1.5 cents each. The ability to get that kind of value from your points even when you’re not traveling is outstanding.
A great feature of the program is that you keep the original points that the purchase earned, even though you paid yourself back for the purchase. That means your points will be worth more than 1.25 or 1.5 cents each!
In other words, if you spend $300 on groceries or dining on Sapphire Preferred, you can use 24,000 points to offset that purchase and make it free. Plus, you’ll still earn the 600 points for groceries or dining, so you effectively used 23,400 points to offset the purchase. That means your points were actually worth 1.28 cents each!
If you spend $300 on groceries or dining on Sapphire Reserve, you can use 20,000 points to offset that purchase and make it free. Plus, you’ll still earn the 900 points for groceries or dining, so you effectively used 19,100 points to offset the purchase. That means your points were actually worth 1.57 cents each!
Airline and hotel transferability:
If you or someone in your household has a Sapphire Preferred card you can transfer Chase Ultimate Rewards points into valuable airline and hotel mileage currencies.
Card convertibility:
You can call Chase to convert this card or any of the following cards into another card from this list:
- Chase Sapphire Preferred Card ($95 annual fee)
- Chase Sapphire Reserve Card ($550 annual fee)
- Chase Freedom Unlimited Card ($0 annual fee)
- Chase Freedom Card ($0 annual fee)
- Chase Freedom Flex Mastercard ($0 annual fee)
Note that some reps will only allow card conversions after you have had the card for 12 months.
If you or someone in your household has a Sapphire Reserve, then your points will be worth at least 1.5 cents towards travel!
If you want to get a Sapphire Reserve, your best path is to apply for the Sapphire Preferred card and then convert it to a Sapphire Reserve as you’ll get 100,000 signup bonus points+$50 back instead of 60,000 points!
Killer Combos:
Stacking multiple Ultimate Rewards cards together can supercharge your earnings by getting you more points per dollar while increasing the value of all your points.
Read more about this strategy in depth in this post.
A Chase Bifecta would consist of a household that has the Sapphire Preferred or Sapphire Reserve and the Freedom Unlimited. The total effective annual fees would be either $95 with Sapphire Preferred or $250 with Sapphire Reserve after accounting for that card’s $300 annual travel credit. With the Sapphire Preferred+Freedom Unlimited you would earn 1.5 points per dollar everywhere, 2 points per dollar on all travel, 3 points per dollar on dining and drugstores, and 5 points per dollar on travel booked via Chase. You’ll be able to transfer all of your points into airline miles or hotel points or use the pay yourself back feature. Read more about Freedom Unlimited here.
A Chase Trifecta adds a no annual fee card like Ink Cash or Chase Freedom Flex into the mix, so your total effective annual fee will still be $95 or $250. Both of those cards give options to earn a whopping 5 points per dollar in various categories on top of the 2-3 points per dollar that the Sapphire cards offer and the 1.5-5 points per dollar everywhere else with a Freedom Unlimited card. Read more about Freedom Flex here and read more about Ink Cash here.
A Chase Quadfecta would add both the Ink Cash and Chase Freedom Flex on top of a Sapphire card and an Unlimited card, so your total effective annual fee will still be just $95 or $250. The Quadfecta is the sweet spot and allows you to really supercharge your spending everywhere.
A Chase Quinfecta could add the Ink Preferred to that mix, adding $95 to the annual fee total. This make sense if you spend money on shipping, social media advertising, or search engine advertising, or if you want free cell phone insurance.
Alternatively, you can create a Chase Quinfecta by adding the Chase United Explorer card, Chase United Gateway Card, or Chase United Business Card into the mix. Those cards don’t earn Ultimate Rewards points, but it makes your Ultimate Rewards points more valuable. Having a United card enables you to have access to significantly expanded United saver and standard award space in addition to benefits like 2 free club passes, a free checked bag, a free carry-on bag, and priority boarding, even when you’re on a basic economy fare. See more about those benefits here.
Again, all of these cards don’t need to be in one person’s name. 2 people from the same household can split up the requisite cards that make up the Quinfecta, as they can transfer the Ultimate Rewards points back and forth between themselves freely and they can add each other as an authorized user on their cards!
DoorDash DashPass Membership:
DoorDash DashPass allows you to get free delivery and lower service fees on $12+ orders from select restaurants that have a blue checkmark. There are also lots of promotions and free food offers available to DashPass members.
DashPass normally costs $9.99/month.
If you add your Chase Sapphire Preferred card to your Doordash account and open the Doordash app, you can enroll for free through 12/31/21!
Airline transfer partners:
You can transfer points at a 1:1 ratio to:
- United (Star Alliance)
- Singapore (Star Alliance)
- Air France/KLM Flying Blue (Skyteam)
- British Airways (OneWorld)
- Aer Lingus (OneWorld)
- Iberia (OneWorld)
- Emirates
- JetBlue
- Southwest
- Virgin Atlantic
Hotel transfer partners:
You can transfer points at a 1:1 ratio to:
- Hyatt
- IHG
- Marriott
The great thing about Chase Ultimate Rewards is how versatile and valuable they are:
The Sapphire Preferred card allows you and anyone in your household to transfer Chase points into miles. They also allow you to use points at a value of 1.25 cents each towards travel.
The Sapphire Reserve also allows you and anyone in your household to transfer Chase points into miles. Plus it allows you to use points at a value of 1.5 cents each towards travel.
The fixed value is excellent and doesn’t require hunting down award space, but those points can be much more valuable by transferring them into airline miles or hotel points.
- If I want to stay in a 5 star Park Hyatt in the Maldives, Melbourne, NYC, Paris, Sydney, or Tokyo that would cost over $1,000/night, I can instantly transfer 25-30K points to Hyatt to do that, a value of up to 6 cents per point.
- If I need a one-way flight from Cleveland (or Chicago, Detroit, Miami, Montreal, Orlando, Pittsburgh, Toronto, etc) to NYC that can cost $500 each way, I can instantly transfer 7.5K points to British Airways to book a short-haul on American with no last minute booking fees. Or if American doesn’t have availability I can instantly transfer 10K points to United for their short-haul award. That’s a value of up to 7 cents per point.
- If I want to stay in a non-chain hotel that costs $300/night and don’t want to pay cash, I can redeem 20K points for the room thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 24K points with the Sapphire Preferred card’s minimum redemption value of 1.25 cents per point
- If I want to fly in a $25,000 ANA First Class Suite round-trip from the US to Tokyo, I can instantly transfer 110K or 120K points to Virgin Atlantic. That’s a value of up to 23 cents per point.
- If I want to book a $2,281 business class ticket on Air Canada to Tel Aviv I can redeem 152K points for the flight thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 182K points with the Sapphire Preferred card’s minimum redemption value of 1.25 cents per point, plus I’ll earn Qantas miles for more future travel as it’s considered a paid flight instead of an award flight.
- And thousands of other possibilities from Singapore couples suites to booking Southwest awards with 2 free bags and free cancellations, to stealing 2nd base in middle of an MLB game.
Will you signup for this highest ever Sapphire Preferred offer?
Will my AF from the sapphire reserve be prorated if I downgrade to open this?
Yes!
Do you get the 100K bonus if you do this?
https://www.dansdeals.com/credit-cards/smoking-hot-highest-ever-signup-bonus-earn-100000-points-chase-sapphire-preferred-card/#Signup_bonus_terms
It can’t hurt to ask but it’d definitely a waste of time. They are NOT matching.
True, but you can also ask for goodwill points to make up for it.
Ask via chat, or call?
Probably call if you’re going to ask for something to make up for it.
What number do you call and who do you want to speak to to get these “goodwill” points? The number on back of the card?
Good will, as in the company? or as in, out of his “good will” he will give you extra points?
What does this mean
Was anyone able to get the 20K more points as we just did the 80K new card sign up…
Aw man, I literally just got the Reserve. Any way to get Chase to flip the new card to a Preferred in order to qualify?
Not unless you close it before getting the signup bonus and open this.
Would that work? Also, oops, that was my 5/24 card. What would you do next?
It would work, but would eat up another 5/24 slot. If you’re at 5/24 then you would have to wait until you’re back under 5/24.
If I convert the existing Reserve (that earned no bonus yet) to a Sapphire Preferred now, I will get no bonus at all?
What would be the point of converting to Sapphire Preferred?
For the increased bonus offer on the Preferred.
You won’t get that for converting.
if you didn’t yet use the card. you can cancel and reopen. call them before.
until when is this offer valid?
Unknown, can end at any time.
Any chance this will make it 5 months? I don’t become eligible for 48 month rule until November 🙁 And something tells me that after this, it will be a long time until it’s higher than 60k.
I’d be shocked if it sticks around that long.
Dan, I still have the Reserve from when it started, how do I get in on this Preferred deal and where to park my UR points from my Reserve?
Thanks!
downgrade to a freedom unlimited and the ur points will stay there and apply
See here:
https://www.dansdeals.com/credit-cards/smoking-hot-highest-ever-signup-bonus-earn-100000-points-chase-sapphire-preferred-card/#Signup_bonus_terms
Thanks, Sol con and Dan for your reply! 🙂
We’ve had Reserve since 2016, with my wife as auth use till 2019; now a one-card fam. I just opened an Ink Cash for my biz ($750 signing bonus + 5% cash back).
Wife has no cards in her name and can use the credit boost it provides. Would it pay for her to apply for Preferred as primary user, and me to keep Reserve and Ink?
Or what combination would net the best value?
You should both take advantage of the Preferred offer.
You can upgrade back to Reserve after approval.
https://www.dansdeals.com/credit-cards/faqs-becoming-eligible-chase-sapphire-preferreds-deal-year-late/
Thanks!
can one include household income for 19 year old daughter applicant living at home working part time?
You should always include all household income.
I thought you had to be 21 in order to include all household income ?
Not enforced IME.
not sure about that as when I was on the phone with I believe a chase rep on a recon call, rep mentioned minimum 21 year age requirement
How do I check if I’m 48 months clear. I got the 100k reserve on the last available day so 48 months is around now but I’m not sure when I actually received the bonus
Do you still have that card open as a Reserve or downgraded card?
I have the same question and the card is still open how do I check ?
Just go to your online statements from 2017 and you can see the exact statement date that you got the bonus.
I am in the same boat. Does it go by the statement opening day or closing day?
Closing.
I got mine July 8, 2017. So can I apply on July 8? Or do I need to wait until the closing date on that statement?
Downgraded to a Freedom
Same advice for you as well 🙂
How can you check if you’ve closed the card in the past?
Just got the card a month ago any possibility of them matching the signup bonus?
https://www.dansdeals.com/credit-cards/smoking-hot-highest-ever-signup-bonus-earn-100000-points-chase-sapphire-preferred-card/#comment-1532084
Any idea how long this is going to last? Are we talking a matter of days or weeks or months?
Impossible to say.
And I just signed up for the 80k offer less than 6 weeks ago…. Called Chase and just sent a Secure Message trying to get a match. Wish me luck.
A lot of people are in the same boat. They’re not matching to this offer, but you can always call and ask for something to make up for it.
Literally signed up 2 days ago. What a bummer
Were you approved?
Could cancel and reopen, but would cost another 5/24 slot.
Yeah I was approved. Don’t wanna waste a 5/24 and also nervous to play tricks like that with chase when they are so trigger happy to shut people down
Yup, c’est la vie I’m afraid.
But don’t feel bad, my wife and I both grabbed the 80K bonus as well. Nunu!
how were you under 5/24 🙂
I have the same question! I’m shocked that Dan is ever able to get any Chase cards at all with the 5/24 rule….
Nunu indeed! 80k plus the $50 grocery credit ain’t too shabby
Exactly, nothing to sneeze at!
Remember when the 60k offer was the “highest ever” lol? I guess it’s a really profitable card for them.
Unless they’re getting ready to unveil an even bigger CSR offer…
Competition is a good thing!
The Capital One Venture 100K offer with improved mileage transfer ratios has been putting pressure on Chase. Plus we just saw Chase announce that they’ll open a Sapphire airport lounge network after Capital One announced that they will operate an airport lounge network.
Chase said they regretted the 100K Reserve offer as that card has pricey benefits to administer. I don’t think we’ll see 100K on that card anytime soon.
Yes but the Venture offer needs 20k spend although they’re definitely trending in the right direction overall
True, but leave it to Chase to match and crush it 🙂
I primarily use for mileage on airlines. Is this chase preferred better than capital one venture. They’re both at 100k now for opening?
I just downgraded an existing sapphire in preparation for signing up for the sapphire preferred a couple of days ago. How long should I wait in order to safely apply without getting rejected for having an existing sapphire card? Don’t want to be rejected, but at the same time don’t want to miss this offer…
3 days would be playing it safe. Could be doable in less, but not enough data points. Though there’s nothing to lose as the system would auto-reject you without a pull and you can try again in another day. Let us know if you try 🙂
Rep told me that I can apply as soon as my downgraded card shows as freedom online. Worked after a day.
bad info, when it’s dan vs rep dan is always right!
I got a “decision pending” after applying.
“We need to review your request a little longer. We will let you know of our decision as soon as possible.”
Normal. Can wait until they decide or you can call them up now.
Any negative to closing the reserve now I opened it when first came out… and then adding it back a few months down the line any benefits that I’ll be losing by doing so?
I’d suggest downgrading it now and upgrading it down the line:
https://www.dansdeals.com/credit-cards/smoking-hot-highest-ever-signup-bonus-earn-100000-points-chase-sapphire-preferred-card/#Signup_bonus_terms
What if my wife is an authorized user on my current Sapphire cards.. can we get this in her name and receive the bonus?
Yes.
Seriously? ! I would rather take this over the United card. Can I ask my approval of the United card be transferred to the Sapphire card?
No, but why not do both?
I have already a chase preferred card, can I change it to a freedom unlimited and then apply again for the preferred card ?
Yes: https://www.dansdeals.com/credit-cards/smoking-hot-highest-ever-signup-bonus-earn-100000-points-chase-sapphire-preferred-card/#Signup_bonus_terms
Thanks!!! such a quick response.
thats even my preferred was opened under 5/24?
Not following what you’re asking.
I’m asking if what you answered Yes to Crunchy, that downgrading will help get the sapphire, Is that even my preferred is still under 5/24?
Can I open this if I have a reserve?
No, but here’s a workaround: https://www.dansdeals.com/credit-cards/smoking-hot-highest-ever-signup-bonus-earn-100000-points-chase-sapphire-preferred-card/#Signup_bonus_terms
I signed up for the preferred @80K last year. Just applied and was approved @100k for my wife! How difficult will it be to transfer my points to her account? As I don’t want to pay 2 annual fees for same card. Thanks!
Awesome!
It’s very easy to transfer points between spouses. But instead of closing one when the next annual fee is due, I’d suggest downgrading one to a Freedom or Freedom Unlimited to build a Quinfecta:
https://www.dansdeals.com/credit-cards/ultimate-comparison-chart-chase-ultimate-rewards-cards-supercharge-earnings-creating-chase-quinfecta-killer-combo/
Can I upgrade back from Freedom to CSR after I get approved for the CSP? Any waiting time.
Yes.
No.
So that means you can have a preferred and reserve at the same time if you upgrade to reserve afte you have preferred?
Yes
Really interesting here that the audience here is not cursing away chase for there action that they have done. I just got the 80K. It’s unfair.
I hear ya’, I’m in the same boat. But that’s just the ups and downs of this game, can’t win them all.
My take is that they are feeling pressure from the Capital One Venture 100K offer and wanted to match that signup bonus.
I wish they still did offer matching for Sapphire, but AMEX ditched offer matching many years ago, so no surprise that Chase did as well.
When does the annual fee post The beginning of the year or after the year?
Beginning, but $95 is a pittance compared to the 100,000 point signup bonus that can be used for $1,000 cash back or potentially twice that amount in travel.
Ok Thank you
I have the chase reserve for 4 years. can i apply for the preferred and get the bonus or do i have downgrade to the freedom.
https://www.dansdeals.com/credit-cards/smoking-hot-highest-ever-signup-bonus-earn-100000-points-chase-sapphire-preferred-card/#Signup_bonus_terms
You can apply and Chase won’t pull your credit or approve you if you are not eligible to get the card bonus.
How does this work? like what happens with amex? thanks
Chase knows if you got a bonus within 48 months or if you have an open Sapphire care and they don’t bother pulling your credit. It will auto-reject you if you apply.
Got the original 100k bonus on the Reserve, and still have that (and haven’t gotten enough of a reason to cancel it yet), and I already have every Freedom (Unlimited, original Visa, and more recently got the Flex), any way to still get this?
Can sign my wife up (though she has additional cards on all the above cards, including one on the Reserve which was cancelled but still should work), or any better way to still take advantage of this?
Thanks a lot!
Sure, there’s no limit to how many Freedom/Freedom Flex cards you can downgrade to and you’ll get the $1,500 5x quarterly bonus for each Freedom card that you have!
Yes, she can get this, AU cards don’t count against her for the bonus. They may count against her for 5/24, but you can call Chase and point out that they are AU cards that she isn’t responsible for and should be excluded from 5/24.
Did not know that, might make sense, thanks!
Can I still downgrade to the Freedom (not Unlimited), or only to the Flex?
And I don’t know if I’ll lose any benefits from my current Reserve card, still only paying the lower yearly fee ($450) on that card, and if I upgrade again later, I don’t want that to go up…
Thanks for all the info and expertise!
If I currently have the sapphire reserve and I downgrade today to the freedom, can I apply for the preferred and get bonus?
https://www.dansdeals.com/credit-cards/smoking-hot-highest-ever-signup-bonus-earn-100000-points-chase-sapphire-preferred-card/#Signup_bonus_terms
Hi,
Do the points expire? Would they expire if I cancel the card?
TIA!
Points don’t expire as long as you or a spouse has an open Chase card with Ultimate Rewards points as you can transfer points between cards.
Instead of cancelling, you can downgrade to a no annual fee card which will keep your points alive:
https://www.dansdeals.com/credit-cards/ultimate-comparison-chart-chase-ultimate-rewards-cards-supercharge-earnings-creating-chase-quinfecta-killer-combo/
Gotchya, I have an ink business preferred and an ink business unlimited so I should be able to transfer the points over to either one right?
Thanks Dan!
Correct.
Awesome, thanks Dan!
I applied via your link yesterday about 2 hours before it was raised to 100K 🙁
wasn’t approved instead “We need to review your request a little longer. We will let you know of our decision as soon as possible.”
probably as they shut all my cards 2 years ago
but Thanks anyways for all your posts
Can always tell them to cancel that application and try this one.
I got the reserve more than 48 months ago and I still have it. I would want to sign up for preferred but it says you won’t get the signup bonus if you have any sapphire card. Is it possible to get the signup bonus while still keeping my reserve active?
You can downgrade it to Freedom for now and upgrade it back later on.
how long do you have to wait before upgrading ? right after the 100k bonus posts?
Any problem with downgrading a Reserve that was just upgraded 2 months ago from a freedom?
No.
how different then those who sign up get the bonus and then downgrade the card? a few posts above this you recommend waiting at least 12 months
Because you didn’t get a signup bonus for upgrading.
how long to wait after downgrading a reserve before signing up for preferred?
3 days would be playing it safe. Could be doable in less, but not enough data points. Though there’s nothing to lose as the system would auto-reject you without a pull and you can try again in another day. Let us know if you try 🙂
Even if you already used the travel credit on the reserve after upgrading, it wouldn’t be a problem to downgrade a few days later?
Trie to apply in the branch a week after downgrading the reserve to freedom. The agent’s screen did not include the preferred card. Chase’s supervisor claimed that I have to wait for a whole statement cycle before applying. Did other people manage to do it in less time IN BRANCH?
No, 3 days is only for online. Branch rules are much longer.
If I’m an authorized user on a sapphire card, will I be eligible for the bonus? I signed up and got approved. Does that mean I’ll get the bonus?
Yes.
Yes.
Congrats 😀
I have now reserve its open for more than 48 months, is there an issue downgrading it to freedom and then get the preffered, and then upgrade the preffered to reserve (since I want a reserve open)?
No issue.
Any potential issue with upgrading the Preferred to Reserve right after receiving the 100K points on the Preferred, or should we wait to do so? Thanks.
I’d like to know this as well…good way to kill two birds with one stone
Same question.
Dan, I just got the Reserve card for 60k. What are the chances of getting approved for this as well?
You need to wait 48 months between Sapphire bonuses. If you didn’t get the bonus yet you can potentially close that card and get this offer, but that would eat up another 5/24 slot.
Just to be clear
You can sign up get the bonus and then downgrade the card and only pay one annual fee?
The best practice would be to downgrade when your 2nd annual fee hits in 12 months from now. You can downgrade then and you won’t pay that 2nd annual fee.
They will give a full refund of the second annual fee if you downgrade even after it hits? What’s the reason for waiting until after the fee hits?
Yes.
Credit card companies don’t like to see people closing cards within the first year of opening it.
If I won’t get much value from keeping the sapphire preferred card open, can I downgrade it to a no-fee card after my signup bonus posts and get a prorated refund of the $95? Or will that raise red flags?
I wouldn’t do that if you want to stay in Chase’s good graces.
The best practice would be to downgrade when your 2nd annual fee hits in 12 months from now. You can downgrade then and you won’t pay that 2nd annual fee.
Will they pull my credit if I’m over 5/24?
Does a store card count towards the 5/24?
Thanks!
YMMV.
The system will count it, but if you call Chase reconsideration and explain that it’s only a store card they can exclude it.
How long do I have to wait if I downgrade my sapphire reserve to reopen it again?
There’s no time limit.
What’s the phone number to check the status of a Chase credit card application?
888-338-2586
Used your link and got approved bh. THANKS DAN!
Congrats!
How long does it take for the rewards bonus offer to show up on https://ultimaterewardspoints.chase.com/ Saying amount and timeframe. I have a Flex card where it shows spend $500 blah blah, but I just got this Sapphire and it doesn’t show anything… yet at least. Wasn’t sure if it shows up immediately or not.
Give it a few days 🙂
Thanks, I literally got the Freedom Flex card yesterday and this offer was declined instantly. However I called that reconsideration line and they were able to push it through to get me approved for both. At first I said you could try shifting the limit amount but I guess that wasn’t possible with the freedom flex at this time. However, she just went ahead and approved me for both without the shift. Good stuff.
When I downgrade my reserve to a freedom will I get the prorated annual fee back?
Also, can I then upgrade it back to the Reserve immediately after getting approved for the Preferred or do I have to wait till I earn the bonus?
(I don’t want to miss out on the 1.5 redemption rate and lounge access in the interim).
Yes.
Immediate.
I’m in the same boat as GoFish here and thank you so much Dan for confirming… Just to clarify, if I also downgrade my CSR (my previous 100k bonus was approved and posted on my 5/2017 statement) to a Freedom then they will prorate the $550 AF which I just paid on 4/1/2021 and then I can upgrade it back to the CSR to take advantage of the 1.5x multiplier? If this is the case, then I’d assume that I’d then be hit with another $550 AF when upgrading back to the CSR after locking in the CSP 100k bonus, correct? Thanks again and my wife and I will both be using your referral link!!
I just had a convo with a nice rep at Chase. She said that when I downgrade from CSR to Freedom Flex, my AF will be returned on a prorated basis. But she also said that if I choose to upgrade that Freedom Flex back up to a CSR, say next month, they will his me with a brand new full AF. Is that correct? How is that worth it?
Sounds right. How is it not worth it, it’s the same effective monthly fee either way.
You’re right. I realized the problem with my logic after I typed up my post. Thank you for the quick response.
How can you check when was the last time one got the bonus if the card has been closed?
You can try calling, but if they don’t know then I’m not sure how you can find out other than just applying.
If you are under 48 months you will get auto-rejected without a hard credit pull.
If you have 48+ months you will get approved and get the bonus.
All confused. If I downgraded the preffered last year after receiving the sign up bonus. Can I apply now and receive the 100k points or because I received the bonus in the past 48 months I am ineligible, even though I dont currently hold the preffered or reserve?
Thanks!
No, if you’re within 48 months of your last Sapphire bonus you’ll get auto-rejected if you apply.
So all this talk about downgrading in order to reapply is for people who currently have their cards open for longer than 4 years, correct?
https://www.dansdeals.com/credit-cards/smoking-hot-highest-ever-signup-bonus-earn-100000-points-chase-sapphire-preferred-card/#Signup_bonus_terms
I currently have the reserve for over 48 months. I’ll downgrade to freedom now as instructed in post. The question is I want to keep my reserve at all times in order to get the 1.5 points etc. if after getting approved for preferred can i now upgrade my freedom back to reserve? Will I get hit with $550 immediately? How about the $300 annual travel credit etc.
Also is there any benefit of having the sapphire reserve from before 5/21/17 like the $300 travel credit being based on calendar year.
Also before downgrading should I be utilizing the $60 door dash credit?
I don’t think it matters if your travel credit is calendar or cardmember year based.
Doordash credit can be used when you upgrade again, so no big deal. Don’t think it will replenish itself.
So if only use some of my DoorDash credit before downgrading, you’re saying that when I upgrade back to it that remainder will be there?
You can downgrade and get a prorated refund and upgrade right away with the full annual fee.
So when upgrading back with the full annual fee will I be getting another $300 for this year to offset the $550 to $250?
I’m also interested in knowing this… Any info here, Dan?
If I refer a friend from my preferred, will they get the 100,000 bonus? the link that’s created still says 80,000 and he doesn’t want to use my link b/c he thinks he won’t get the 100,000.
What’s the question?
If your link says 80K then your friend would only get 80K and Chase will not match to 100K.
Use the link in this post if you want 100K.
I was wondering if they just never updated it to 100,000 but if my friend signs up from it, he’ll still get 100,000. im asking because I want to get the referral bonus. is there a way I can generate a referral link that will offer 100,000?
No, he will only get 80K with your link.
No.
Listen to dan! i learnt the hard way on this…
Darn you have the guts, this site survives by you using the referral links from them, don’t come read the info and have the guts to ask that question…
Moshe – Dan seems to live a great life based on all the referral credits. If this site just simply “survives”, then Dan should consider getting a day job instead.
And your seeming attack doesn’t help his viewership… it alienates people instead. YOU unknowingly “hurt” Dan with these types of comments.
This isn’t charity for Dan. That makes him the vendor and YS the customer. It’s a sad state of affairs that society has seemingly lost it’s spirit of service to others.
I have all three Freedom cards.
Should I cancel the Unlimited or Flex, and down my Sapphire Reserve before applying for the Preferred?
You can have multiple of the same Freedom card, no need to cancel any. Plus with multiple Freedom cards you get more quarterly 5x bonus spend.
I just wanted to express appreciation to Dan for answering all of our questions here today. Very much appreciated 🙂
My pleasure!
Thanks to the DD community for using our links and supporting this site 🙂
I applied denied anything I can do about it Dan?
When did you get your last Sapphire bonus? When did you downgrade/close your Sapphire card?
Call Chase.
I never had one and never downgraded
Call Chase 🙂
Hey Dan, question. I just downgraded my CSR to a freedom. I plan on applying for the CSP in a few days. Do you know anything about doing a MDD, and applying again for the reserve the day after I get the CSP?
Not sure if doing an MDD is worth risking Chase’s ire, but if you try it, let us know how it goes.
There’s some MDD discussion on DDF.
Thank you, if you’re iffy on it, maybe I’ll just play it safe.
What means MDD and what’s the link to that DDF thread?
I downgraded my sapphire card a few years ago to the plain sapphire card can i get the bonus now if i upgrade?
When did you get the bonus on that card? Look at your old statement to find the one with the signup bonus.
Like 4 years ago
Check the exact statement date.
When I upgrade back from freedom to CSR, will I be back on the same calendar cycle for the annual fee, or will I be charged a new CSR fee at upgrade time?
Thanks, just called and they said that they will match my bonus from 80k to 100k! (It took 1 min to get done)
WOW!
Anyone else have luck?
When did you get your card?
I got mine in Nov 2020, should I call too
Umm what?? I tried via phone and SM and Nada. Have a name of Rep?
Still have the CSR from the original offering @ 100K.
If I downgrade it today, how many days should I wait before applying for this card?
3 days to play it safe.
Is it safe to assume the offer will still be around then?
Never a good idea to assume anything, can just hope for the best.
You can also try applying 1 or 2 days after downgrading and let us know how that goes.
Dan what’s the basis for the wait? I called today to downgrade and asked the operator if I had to wait and she said I could do it right away. I haven’t yet because I feel like you know better!
Because I’ve tried doing it right away and was auto-rejected. I tried again after 3 days and it worked.
It takes some period of time for the system to recognize that you no longer have a Sapphire card, though I don’t know the exact period of time.
I’m an authorized user can I still qualify? I assume I would half to deauthorize myself before applying ?
https://www.dansdeals.com/credit-cards/smoking-hot-highest-ever-signup-bonus-earn-100000-points-chase-sapphire-preferred-card/#Signup_bonus_terms
I am also confused about when re-upping (my current CSR after downgrading to Freedom) back to the CSR. Will I be charged again the $550 annual fee? And will I get the $300 travel bonus to offset that?
You’ll get a prorated refund when you downgrade and the annual fee when you upgrade, so that’s a wash.
Is it worth it to get this card if my goal is an eventual sapphire reserve?
Absolutely. You can upgrade later on.
Thank you!
I got a sapphire card 2 days ago with the 80k – can I get this?
Weird, just called to downgrade and was told by the customer service rep that it will take 90 days for the system to consider me as not having a Sapphire card (not 3 days)
Also told me I will not be eligible to upgrade back to a CSR for 12 months. He said you’re only eligible for one product change every 12 months
What should I do? Really want to have a reserve card. Has anyone done this? Does the customer service guy not know what he is talking about
Clueless rep. The correct info is in this post.
Aren’t you losing the 1.5 redemption by downgrading the csr you have now? What if you can’t get that back? I have a csr now but would otherwise qualify for this.
Also will credit limit remain same on downgraded card. High limit now. Thanks for your thought here.
You can upgrade back at any time. Credit limit and card number stays the same.
Seems like Chase wants a big boost in new card accounts for this portfolio in this quarter. 😀
Good news for everyone 🙂
How do I add my wife’s card for ultimate rewards transfer?
You can call Chase to transfer points between spouses.
Id love to grab this offer, and im well under 5/24, but i already have a ton of credit from chase, and im scared of hard questions (or tax info requests) if i dont get instantly approved. can applying for this card backfire on me?
No reason that it should.
Applied for wife and got rejected
Called in and after few basic questions got approved 🙂
Nicely done!
what number do i call?
Received Sapphire Preferred last week with 80K bonus offer.
Just spoke with customer rep – she said they have been receiving a lot of calls to match to 100k. She forwarded my request to the marketing department and they are supposed to get back to me via email….we’ll see what happens
Downgraded my CSR to freedom, important question is when upgrading back to CSR and getting hit with $550 AF am I getting the $300 TC?
You should get a prorated refund when you downgrade and then a charge when you upgrade.
Dan, someone pays my rent, do I put down zero rent, or put down rent and then just add his payment to my (non-taxable) income?
0 rent.
Thanks. So check off rent and write 0 or check off other?
What if I applied and was rejected Friday, b/c I realized after the fact that I have to downgrade CSR card first (I assume that’s the reason, no other good reason, got the Quest in April no sweat) — can I still downgrade my CSR and apply in 3 days, or am I now flagged to not get this offer? thoughts? thanks.
Gotta read the post 😀
But yes, you can.
Thanks — got a little excited and clicked the link when I saw the 100k, and realized I don’t have the preferred only the reserve 🙂 Shavua Tov and Chodesh Tov!
How do you know, once applied for the card, if you are eligible for the 100k???
What is your question?
If you the link you applied with says 100,000 points, such as the link in this post, then you will get 100,000 points if you are approved and spend $4,000 in 3 months.
Can’t he be approved for the card, but not the points?
As the post says, no.
I applied for the 60 k but was within 4 yrs then i applied for the 80k and got rejected but now i applied for the 100 k and got approved thank you H-shem what siyata dishmaya!!!!!!!
Nice!
Talk about “SMOKING HOT”. I burnt my fingers applying. TY!
😀
got approved (thru ur link)
thanks!
Thanks and congrats!
Any idea when this offer ends?
Nope. Can end at any time.
Would an 18 year old student (with a small amount of income) be able to qualify for this card? Have some history as AU on parents’ card. Maybe too early to try and get in the game but tempting…
Better odds if you include all household income, but might be easier to start with a store card or Freedom card.
https://www.dansdeals.com/credit-cards/credit-cards-points-start-need-know-best-credit-cards/
is there any possibility that i should get approved for this one if i only opend my first cc 3 months ago credit score 705 ?? any advice??
No way to predict that.
is it worth for me to try, or I’ll run my credit ?
Certainly will not ruin your credit if you try. No big deal.
Hi Dan, signed up using your link and was immediately approved. Thanks.
I was wondering sign up bonus aside how does this card compare to the BOA travel awards card? At a glance the travel awards card gives you 1.5 points back on all purchases vs 1 with the Sapphire preferred (plus no annual fee). I realize that the sapphire preferred offers 2 points for travel and dining but I imagine that doesn’t balance out the 1.5 on everything that the travel awards gives. Is the real value with the chase cards only when you have multiple different chase cards?
Congrats!
BOA can’t transfer points to miles, so the value of the points are limited, whereas the sky is the limit with airline miles.
The real value with Chase is multiple cards though, where you can earn 1.5-5 everywhere and redeem as 1.25-1.57 or transfer to miles.
https://www.dansdeals.com/credit-cards/ultimate-comparison-chart-chase-ultimate-rewards-cards-supercharge-earnings-creating-chase-quinfecta-killer-combo/
Just got approved for the the preferred with a 17k credit line.
After applying online they said it’s under review, so I called the reconsideration line and after answering 2 questions I got approved instantly.
I also had 2 open sapphire cards which I only closed on Friday, so for those asking how long you need to wait, I waited 2 days and got approved.
Congrats and thanks for the data point!
Hi,
Do I have more of a chance of getting approved if I got an invitation from Chase by mail?
Thank You
Nope, either way they will check your credit and make a decision.
Good luck!
Just called Chase to try to get a match on my 5 week old Sapphire Preferred to the new 100k offer. I was told that while they are not currently matching offers, they are keeping track of how many complaints are registered and if enough people call to complain corporate may decide to change their minds. The rep said it’s happened in the past.
I guess Chase was forced to improve the offer (Capitol One?). But some 80K-customers could remember this when AF hits statements next year.
How should we send a complaint in?
How can we put in a complaint?
Approved (with your link)
Todah Rabbah!
Thanks and congrats!
What number do call for reconsideration?
If I downgrade from a Reserve to a Freedom, how long do I have to wait to upgrade back to a Reserve?
2-3 days.
Dan, just another data point – I downgraded my sapphire on Wednesday night and just applied for the sapphire preferred and got approved (after calling up to shift credit). Used your link 🙂
Thanks and congrats!
I just noticed that even though the new card shows up on my online account and UR page, the 100k bonus points “spending meter” is no where to be found and there is no mention of the 100k bonus. Should I be concerned?
Nope. If you used the link in this post you will get the 100K.
I was thinking about downgrading the CSR to a Freedom but I have a few trips booked with it. I don’t want to risk losing the trip protection.
You can upgrade it back.
But when I downgraded my CSR, it gave me a totally new cc # for my downgraded card, and all of my booked trips no longer show in my account (they told me I should just hang on to the itinerary #s), so even if I re-upgrade, those trips will not be covered by the trip protection?
I got my signup bonus for statement with the dates of 05/18/17 – 06/08/17 would I qualify? Or am I day off?
Sure, just wait for June 8th to apply!
Thank you!
I got my last Sapphire bonus sometime in 6/17. I called to find out the exact date they I was told they have no record of the account. I gave my full 15 digit number.
Should I still wait till July or am I good to go? (don’t want an extra credit pull).
Is your Sapphire card or downgraded card still open? You can pull up your 2017 statements and check.
Closed. I removed it from my online account at some point.
There seems to be no way to find out, other than trying.
The good news is that you will get an auto-reject if you’re under 48 months without a credit pull, so you can keep trying until you get accepted.
Ok, thanks. Do you know when bonus points usually post? Is it when I finish the necessary spend? Or the last day of my statement?
When the statement closes.
If I have 4 credit cards under my name from my brothers account (added member) and one from me would I get approved? Or is that considered having 5 cards and I won’t get approved?
All opened in the past 24 months?
AU cards do not count towards 5/24, but the system accidentally counts them. You need to tell a rep that they are only AU cards and that you aren’t responsible for them and they can manually exclude them from 5/24.
So I should apply for it, once I get unapproved.. I call a representative?
Correct.
Just spoke to chase card services . The person said even though the referral says 80k the person will still get 100k. Makes sense Dan?
Utter and complete nonsense.
You will get the points that the application says and nothing else. Full stop.
I downgraded from a SR on Friday. When should I apply?
Should work now, try and let us know.
Thank you.
Just applied (Monday).
Approved BH
(Just feeling left out of the AMEX 50/40 🙁 )
Hi Dan.
I applied last week Friday but per chase, it is still under review by the fraud department, anything I can do?
I have the reserve and got a few months ago a $250 retention offer, can I still downgrade and apply for the preferred?
Called for compensation/matching …. They said the decision was made last week that there is no adjustment..
Can I call Chase to change this Sapphire Preferred card after receiving the sign up bonus to the Chase Amazon card to get 5% back on all Amazon and Whole Foods purchases. I haven’t seen any sign up bonuses for that card…
No. The changeable cards are listed in this post.
At any rate, you can do better than 5% with Chase Ink and with a big signup bonus to boot.
https://www.dansdeals.com/credit-cards/chase-ink-cash-card-earning-5-ultimate-rewards-points-per-dollar-amazon-everyday-spending/
https://www.dansdeals.com/credit-cards/ultimate-comparison-chart-chase-ultimate-rewards-cards-supercharge-earnings-creating-chase-quinfecta-killer-combo/
if i got bonus 12/17 and i apply now and get approved does that mean i will for sure get bonus?
I don’t think you’ll get approved, but if you are approved, you will get the bonus.
And if you’re auto-denied due to 48 months, there’s no hard pull.
I got the 100k CSR bonus in January 2017, am i eligible for this offer?
Yes.
https://www.dansdeals.com/credit-cards/smoking-hot-highest-ever-signup-bonus-earn-100000-points-chase-sapphire-preferred-card/#Signup_bonus_terms
Dan, I didn’t read your post or any of your comments. Could you explain how the whole things works?
😀
Just checked, my reserve was opened Feb 2017. Should I downgrade to get this offer? I’m currently using the reserve..
Opening date is irrelevant, check what statement date in 2017 that you got the bonus.
And sure, definitely makes sense.
Got the bonus in April. Thanks:)
Guess all current benefits will be terminated. How soon after getting bonus can I upgrade to reserve? and/or can I get reserve bonus again?
You can upgrade after getting approved.
You can only get one Sapphire bonus every 48 months.
Just applied for my wife with your link and got approved with 5K limit,
Downgraded my chase sapphire reserve card and will apply for myself tomorrow.
Thank you
Thanks and congrats!
Downgraded CS to Flex on Friday, the new card displayed in my Chase app almost immediately
Applied tonight for CSP and approved instantly
Thanks Dan, now & for always!
Nice! You’re most welcome!
Just got approved for my wife using your link, thanks Dan, keep up the great work!
Thanks and congrats 🙂
I just got the freedom card about 3 weeks ago any chance they let me upgrade it to that one and then I could get to sign up bonus or would I have to apply for a completely new one
No, you would have to make a new application.
Is there anyway to get the $60 door dash credit on a gift card before downgrading the reserve card. Thanks
I don’t think so, but you should be able to schedule an order.
Any downside to downgrading the CSR that is grandfathered for all credit card benefits to the credit card year vs the calendar year. Will the door dash credit and travel credit reset when I upgrade the card back to CSR in 2 months?
Nope. I doubt it.
Thanks Dan approved for 19 year old applicant!
Awesome!
Dan, would it be risky to upgrade and downgrade the same card a few times per year?
Thanks
People have done that without any adverse actions.
One more data point, I downgraded from CSR to CFU on Friday, just applied for the CSP, and got approved instantly. Thanks Dan. (Now, to MDD or not is the question).
Congrats! Keep us posted if you try it.
Can I convert chase southwest points using this card?
You can transfer Chase points to Southwest, but not vice versa.
How do I downgrade my existing sapphire preferred card? Is there a way to do it online, or do I have to call the number on the back of the card? Thanks
The latter.
thanks Dan
I booked a trip for the end of June using the Reserve card. If I downgrade now will I lose all of the additional Reserve benefits for the card? Do you think this offer will last into July?
You can upgrade back after you’re approved.
So I can downgrade, get approved for the Preferred, and then upgrade back to the Sapphire within the same month?
Do I need to complete the spend and get the bonus before I upgrade back up?
Thanks!
Yes.
No.
That’s great to know. Thank you!
I downgraded Saturday and applied this morning Monday and was turned down. They said that the system still recognizes me as having the Sapphire. Rep said to wait 30 days to reapply. What should I do?
It can take up to 3 days. Does the card still show as Sapphire in your Chase account?
No need to wait 30 days.
Dan, I do lot of amazon purchases. Is it better to get this CSP or signup for an AMEX card with amex offers on amazon where you get 50$ off frequently ?
Both?
But this bonus is a lot more lucrative than occasional $50 off offers.
If all my CC’s were closed down by chase, is there a chance I’ll get approved?
Depends on when and why you were shut down, but sure. Many people have gotten back in again.
I tried applying but was declined because in Chase’s records I have a Sapphire card, problem is I was shut down by Chase a few years ago, I can open cards at Chase again after about a 2 year hiatus (I have the Flex card) but in their system it shows I still have the Sapphire card, help!
Try calling and asking why it still shows you have a Sapphire?
I mistakenly downgraded my wife’s CSP instead of mine (I’m eligible for the bonus, not her). Can I reverse the downgrade?? I don’t want to take the risk, downgrade mine and then potentially not have any household CSP. Thanks
Sure, just call.
Abraham, you’re approved!
Thanks Dan!
Congrats!
My Credit score went down 6 points. How long should to take to go back?
Should be higher than before within a few months by using it correctly. (Pay off full statement besides for a buck or 2 before the statement closes).
Is this true even if Chase shifted credit to the CSP from another open card? Meaning they did not actually grant any additional credit with the opening of this card.
Still didn’t receive the card. Makes sense?
Call to have it expedited.
I want to use my wife’s referral link, it is only offering 80,000 points. What should do to get the extra 20k to reach 100,000
You can’t and they are not matching offers..
But I sincerely appreciate the support for using our 100K link in this post!
will do .
Thank you for all the deals you post
I have the free sapphire card no annual fee (im also way past the 48 months). will i qualify for the bonus or do i need to downgrade this to a freedom? thanks
You need to downgrade.
I have a freedom i just got approved for about 3 weeks ago… Could I upgrade to get this?
You would have to apply for this card to get the bonus.
Does this mean i got the bonus in last 48 months?
“Thank you for your request.
Unfortunately, we are unable to approve your application.
We will provide you more detailed information in 7-10 days that explains the reasons for this decision.
Probably, but call Chase to confirm.
Dan, thanks! Approved immediately just a couple of months after getting Freedom Flex bonus. On my way to having a million Chase Ultimate Rewards points!
Sweet!
Dear Dan
Is there fear in getting denied from a cc?
I’ve had a chase amazon for 2 months, an Amex for 8 months. I have excellent credit. 6 months ago chase denied me from this card. Any chance I get excepted now?
Nope.
Did you call Recon to see why you were denied and if it could be overturned? Either way, certainly things can change in 6 months.
Dear Dan,
I got declined. They said they’ll say more in 7-10 days, please advise.
Your pal -22
Hi Dan, I called to downgrade my CSR to Flex. The rep said the CSR account will remain open for 60 days to complete any transactions, etc with the card. Will this affect qualification for the CSP bonus at all?
No.
Hi all,
Any good ideas on how to spend the $4 K in 3 months in addition to what’s in the post already?
Thanks!
Prepay upcoming bills?
Buy gift cards from stores you shop at?
Make a charity donation?
Thanks Dan!
Hi Dan,
I just downgraded the reserve card and saw it updated to the new flex card online. So I went ahead and applied and was denied. Can I just reapply again in a few days or should I give them a call now?
That’s why I wrote to wait 2 days 🙂
Apply again in 2 days.
I downgraded my CSR to Freedom on Monday morning. Today (Wed afternoon) I applied and was rejected for CSP. Called reconsideration and said that 2+ days was insufficient and that I need to wait the full 30 days?
I’d try again tomorrow.
Can you immediately upgrade the Flex back to the CSR once you get approved for the CSP and still get the bonus?
Yes
Hi!
I just spent 20 minutes trying to convince the supervisor to match the 100k points as I just signed up a few weeks ago and I got 80k bonus points.
Alas, they would not match it. Anyone have any luck? No retention or loyalty bonus either.
One commenter above had luck, but everyone else is being told no.
Hey Dan, I tried referring a friend to the Chase Sapphire card and he only got offered the 80k bonus. Any info on that?
https://www.dansdeals.com/credit-cards/smoking-hot-highest-ever-signup-bonus-earn-100000-points-chase-sapphire-preferred-card/#comment-1532524
Chase threw me out 2 years ago. I had 5 different cards. On one of the cards, I maxed out, paid it immediately before cycle ended, used it again and immediately paid balance, all before cycle ended.
I didn’t read the dan’s deal forum that it was a no no. They cancelled my card claiming I was credit risk even though I have a credit score of over 820. Am I wasting my time and credit score applying? Am I banned for 7 years?
Yes, that is indeed a no-no:
https://www.dansdeals.com/credit-cards/avoid-credit-cards-closed-red-flags-trigger-financial-reviews-adverse-action-shutdowns/
The timeframe varies, you’ll just have to keep trying until you get back in.
Just applied. Response was we will have to get back to you which in this case means rejected. Guess I will have to wait another year with Chase!
Approved from your link after calling to move some credit from different card!
Thanks and congrats!
how long does it take to get approved once i apply?
Either instant or a week or 2 until they decide or you call to expedite things.
Got denied. Chase told me I have too many credit cards.
Dan, I know you mentioned not to close CC. but if I have to is it better if I close it or let the credit card companies cancel it?
Try moving around credit. I called recon today and moved 5k to open this card from a card I currently have credit line of 8.5 and was approved.
Call and offer to close a card and move the line to the new card.
Thanks Dan, got instantly approved.
Congrats!
If I downgrade my CSP to one of the freedoms(which I’ve never had before) will it disqualify me from receiving the SUB on them in the future?
No.
Hey Dan,
Just wanted to thank you for answering everyone’s questions, plus I thought I’ll add a data point to do my small contribution. Especially since I see a few people asked about this data point.
I’m 19 years old, and I applied for the Sapphire card seven months ago, and I was denied, despite calling the reconsideration line. They told me that Chase doesn’t accept people who haven’t been cardholders for over a year, (authorized user cards wouldn’t help for that.)
I applied today, with your link, and was immediately approved!
What is the contact number for chase reconsideration line?
Can I combine reward points between accounts? Or just transfer them all to an airline or hotel account?
Sure
Young married couple learning in kollel supported mostly by parents, any advice what I should write by income?
Is this offer worth taking up a 5/24 slot?
Definitely! This is an amazing offer!
My wife has the Reserve and I have the united explorer card($95 annual fee)
Which is the better card: the sapphire preffered or this united card.
Pros and Cons for each?
Both are solid and complimentary cards.
Thanks Dan!
I know that Chase mentions in their terms regarding someone opening just for the purpose of earning a bonus that they can cancel your points etc…. Wanted to clarify, what do they consider legit and what is considered fraud? I would appreciate your guidance.
Always keep new cards open for at least 12 months.
Just downgraded from CS to Flex. It was instantly updated in the app. How long should i wait before applying?
2 days.
I currently have the sapphire reserve card, paid my annual fee in Sep 2020, When I called to downgrade to unlimited flex they told me they won’t pro-rate my annual fee and I asked if I where to choose in a month to upgrade back to reserve card they said I would pay annual fee again…basically I’m losing out on 6 months of my annual fee….
Any suggestions…is there a workaround?
Fake news. You will automatically get a pro-rated refund when you downgrade.
Will I still get Pro rated refund on annual fee even though inused my $300 travel credit.
Yes
Approved, Thanks!
now can we have this offer next year when my wife is 48mnths from reserve bonus?
I got this message,
“We need to review your request a little longer. We will let you know of our decision as soon as possible.”
what does it mean? should I call chase?
You can. Or you can wait.
I was denied so I called up and they said I have to wait 30 days to apply when I close a sapphire card.
Nope, as the post says you need to wait 2 days.
Random Q: Someone in my household helped me pass my spending threshold, the deal was I would send them the points that they would have made had they used their own card. However, the card that he normally uses and would have used for his purchases is an Amex platinum. I would like to pay him back with Chase Points but don’t know what the ratio would be. If you can please enlighten me.
I certainly value Chase points more than AMEX, but it’s tough to put an exact ratio on it.
Why do you value them more than Amex? Aren’t Amex harder to accumulate? Especially with their one bonus per lifetime policy
Because of better transfer partners, 1.5 cents towards travel, PYB, etc
Applied for my wife who only has 1 authorized user card reporting on her credit score. Got declined right away but called recon and got it. Thanks!
Congrats!
Quick question: i logged on to my chase account online and i don’t see any mention of the bonus points (like how much more i have to spend). does that mean that I didnt get the offer or does it just take time to update?
thanks
Takes time to update.
k thanks
Would I get the bonus if I upgrade a chase freedom card to preferred?
Also do you have any sense of how long this will go on for?
No and no.
Ever get 400 comments in a post ?
Chase told me I can’t apply because I have a chase sapphire reserve card.
FYI… I havent opened a new chase card in over 4 years, and havent opened any credit cards in last 24 months.
https://www.dansdeals.com/credit-cards/becoming-eligible-sapphire-preferreds-mega-bonus-year-freedom-freedom-flex-freedom-unlimited/
If I use pay-yourself-back to pay for purchases I made as part of my initial $4k of spending, will that spending then not count towards the $4k to get the 100k points?
It will still count.
Dan – Got approved for CSP. Do you have any referral code or promo code for plastiq to signup and use the CSP for mortgage payments ?
Just applied! Hope I get accepted 🙂
I just got approved, is there any reason for my wife not to apply as well(she’s under 5/24)?
None, 2 player mode is why we got married at 23 and 21 😀
Lol thats great!
And 1 more q if I make her an authorized user under my ccs, I’m going to have to call chase manually to explain that shes really under 5/24 in order to get accepted?
Right, but only if that AU card put her over 5/24.
Thanks!
Is there any way to refer someone for the sapphire reserve and for them to get the 100k bonus? Because all my referral links say the 80k bonus?
No, but we certainly would appreciate it if you use our link in this post 🙂
Iyh tom I will
Hi Dan, if I apply for the sapphire am I able to upgrade to the reserve instantly? And if i upgrade does my calendar year for the reserve start by the date I upgrad, or is it continued from the original date of the sapphire?
Upgrade which card to Reserve? Your wording ia confusing as there are 3 versions of Sapphire, regular, Preferred, and Reserve.
Upgrading from the Preferred
Thinking of applying for myself but already got 2 chase cards in the past 6 months. Is it gonna ruin my score by applying for another card in such a short amount of time? (I’m still under 5/24)
Thanks
It will not.
thanks dan
applied a few days ago got the 30 day message, logged onto my existing account today and see the card is there
Congrats!
Thanks Dan! Applied via link..got pending decision called and got approved.
Congrats!
I was denied for the preferred card because I didn’t wait 3 days after I closed my reserve card. When can I apply again. I got an auto response saying it was denied and I will get a response in the 7-10 business days. Do I have to wait the 7-10 days or can I apply in 3 day.
2 days from closure/downgrade.
My wife signed up when it was 80,000 miles. Can she call up and get the difference.
She can try, but it’s highly unlikely.
Does the $4k need to be spent within 3 months of being approved or the card actually being activated? If the latter and I delay activating, could the promo time run out early? Basically I have a big expense that will need to be paid for in September (can’t prepay) and want it to count in the $4k but it’s slightly too early to start the 3 months now. Am hesitant to wait to apply since who knows how long the offer will be around.
Approval date. You can ask Chase for the cutoff date, typically it’s about 103 days.
Thanks. You’re the best!
I BH got approved with your link,
Always Happy to support this website.
Thanks Dan!
Thank you and congrats!
My wife got a email she is prequalified for the chase sapphire card in she was not approved what can I do now?
Prequalified doesn’t mean approved.
Call Chase.
I just (on 6/9 @3:30EST) downgraded both my preferred and reserve cards. How soon can I apply for the reserve with the 100k signup bonus? Thanks
Anytime Friday should work.
Thanks!
Just got denied. Called in and they told me it was because I have a reserve. Obviously that’s not true. What should I do? H u c a?
When did you downgrade your Reserve?
I applied yesterday they told me I need to speak to the fraud department what does this mean?
I’d wager that means you need to call them.
If I apply through a 80k link, do u think I if u call chase after they will match the 100k?
They are not matching offers.
My chase is no longer offering me to offer a household user to transfer points to? I can’t transfer the points to from my wife’s account to my account? Does anyone else have this problen?
Call Chase to transfer.
Applied via link..got pending decision what’s the number that I can call?
What number do I call to downgrade my chase sapphire?
It’s on the back of your Sapphire card
Dan,
Just got approved using your link on Sunday morning!
Called 888-338-2586 to downgrade my old sapphire to freedom.
Thanks,
Sam
IS THIS CARD WORTH GETTING, IN REGARDS TO THE PERKS AND ALL. IS IT WORTH THE 95$ FEE, IF YOU DONT REALLY USE CREDIT CARDS SO MUCH
You get $1,000-$1,500+ for signing up. That’s worth a lot more than $95 in my book 😀
But that only pays off for the first year. Then you’re pay $95 AF for what…?
Change to a no-fee card.
I was thinking about signing up for the csr in the next few months. But with such a high sign up bonus I’m thinking of signing up for the csp now, and in a few months doing a product change to the csr. What’s the minimum time I should wait to do a product change?
Don’t have any other Chase UR cards?
No. Should I sign up now and do product change in a few months? How long do you think I need to wait?
12 mouths
When someone referred me to the card and I used his link, only the previous promotion of 80k showed up, does it makes sense that I cant get the 100k if I use the referral link?
Yes, why would you apply for 80K when there’s 100K? Different links have different offers.
I downgraded my Reserve so that I can apply for this. It has been suggested that I later upgrade my new Sapphire preferred or my downgraded (reserve) back up to a Reserve. Is there a reason I should do that instead of just doing a product-change reversal on the Reserve that I downgraded?
No difference.
Thank you!!!!
I downgraded my CSR to the Flex because I have the other 2. I waited 2 days and applied and approved after one additional question.
On top of the 100K points, I got a refund of almost $200 from the annual fee (and that is after I already got a $300 in travel credit), so win win win!
Score!
if i had downgradet my prefered to a freedem last year can i apply again in get the bonus?
When did you last get a Sapphire bonus?
Shock of shocks, I just got approved for this card. I closed my prior Sapphire account >48 months ago and decided to try again. Not gonna close this account this time.
When referring someone for some reason it’s showing they only get the 80k how can I refer someone and they get the 100k bonus
You can’t, but we certainly would appreciate it if you use our link in this post
Dan
I downgraded my Saffire Reserve and then applied/approved for the Chase Saffire Preferred with 100k bonus . My question is if it makes sense for me to get a preferred card or to upgrade after I receive the bonus . My wife has the preferred but if it’s worth it I would get the preferred again
Can one apply for this card if one own’s a chase sapphire card already? If not, what is the next most advantageous card u’d recommend?
https://www.dansdeals.com/credit-cards/becoming-eligible-sapphire-preferreds-mega-bonus-year-freedom-freedom-flex-freedom-unlimited/
We already have a reserve but applied with my wifes name and she was approved. 1. Does being approved mean that you’re getting the points (obviously if you spend the min) 2. Is there a way to bring her account/points into my main chase account – the same what I have my business chase card appear in my main chase (reserve) account?
1. It does.
2. Sure, call Chase to transfer points.
Thanks! Any reason not to call and downgrade my reserve? Have a few hundred thousand points accumulated that we’d like to spend on travel at some point and dont want to jeopardize it in any way. Seems strange that chase even allows you to downgrade and then apply for a new card two days later… and then bump the downgraded card back up to reserve a couple months later.
Go for it!
When I switch my sapphire to a freedom, where will all my points from my sapphire go?
They stay alive with Freedom.
Is a year of credit history required to be approved?
I downgraded both my Reserve and Preferred (2 days ago). I want to be sure I’m doing this correctly. After I apply for the Preferred (sometime today), what’s the best way to get back into the Reserve? Should I upgrade the preferred in a few months?
You can upgrade from the Freedom back to Reserve after your Preferred is approved.
Dan, I have been approved for CSP. Any suggestions on how to meet spending threshold to get bonus ? Unfortunately plastiq does not accept visa for mortgage payments. Any insights would be appreciated.
Prepay upcoming bills?
Buy gift cards from stores you shop at?
Make a charity donation?
Applied two days after downgrade from CSR. Got denied but called reconsideration line and got approved. Thanks Dan!
Congrats!
is moving credit from from an a existing cc in order to get approved ( they claim that maximum credit was given already)considered pulling credit?
No
If I downgrade my CSR to a Freedom Flex, apply for the CSP + 100K point bonus (and get approved), can I then upgrade my CSP to a CSR? Is there anything wrong with doing that right away? Also If I do, can I transfer the points from my original CSR (that will be sitting on my Freedom Flex card) to that new CSR? Or, if I want to get those points to a new CSR, do I need to upgrade the Fredom Flex card I downgraded to?
Thank you.
my wife applied 2 days after downgrading her CSR and it was not instant approved. but we see a new Sapphire card added to her account few hour later 🙂
Nice!
I switched to Freedom with ultimate rewards from my csr today. Will that one work for the downgrade?—you mention flex and master card freedom unlimited in article for downgrade. I already had freedom unlimited and didn’t want to change numbers with flex since that’s a MC ad they’d have to change the csr Visa card number as well (all my auto pays :). If my downgrade to this freedom regular (5%/1,500) visa won’t do the trick, (to apply for this preferred in a few days) please lmk and I’ll unwind and go to the flex. Thanks. Shavua Tov when you read this.
That will work.
Thanks! Is it two/three calendar days to wait to apply on this preferred, or two business days? I did the downgrade to chase freedom Friday afternoon. Product change showed in my app login same say.
Just applied 3 days after downgrading my /sapphire to Freedom, and I was denied. How can i get them to reconsider?? thanks!
Call them.
At what number?
Downgraded to freedom on Fri, applied now and got “We need to review your request a little longer. We will let you know of our decision as soon as possible.” Do I call them? Wait for an email? Apply again in a day?
Same here.
Either way, up to you.
Got the same message. You can call 1-800-432-3117 and use their automated system to check without speaking to anyone.. I called a day later and it was approved
Applied using your link
Approved, after answering a few questions and moving around some credit line
Thanks
Congrats and thanks!
Can I spend 4,000 right away to qualify for the 100k points, then downgrade to another form (Freedom etc) to save the annual fee?
Not advisable to downgrade or close until 12 months have gone by.
Dan, once we receive the Bonus for CSP do you recommend that me and my wife have a CSR or just one of us ?
Probably one.
Chase closed my credit card account almost 2 years ago about a returned payment. Can I be approved. I have a good credit score?
No way to know unless you try.
My credit score dipped a bit in the last month or 2 due to credit limit increase requests that got denied. My credit score is still upwards of 750-770. Should I wait a few days until chase updates my credit score for this month, which will hopefully raise my credit score a bit, or should I apply for the preferred now in case the 100k onus offer expires?
They declined. I called reconsider & they said FICO # isn’t an issue but want POI (Proof of Income) & they’ll send me an e-mail so I can send them the data. How many of you have got that?
Any way to use card before it arrives?
Hi Dan, my wife got approved last night using your link. I currently have Chase freedom unlimited and a CSR. Can I switch my wife’s points to my freedom unlimited and then to my CSR to get it to be worth ¢2.25 towards travel?
Sure!
I know you said not advisable to downgrade or close until 12 months have gone by by what about upgrading the preferred back to a CSR? if yes do i need to wait to spend the 4k on pref and then upgrade?
You can, though you may find that some reps won’t upgrade a new card for 12 months.
Thanks Dan – got approved w/ ur link after calling recon!
FYI to all those out there, I got a denial with this message:
Thank you for applying for a new CHASE SAPPHIRE Visa Signature account. We’re sorry, but we did not approve your request.
– You already have the maximum amount of credit we can offer you
– Your current amount of credit is enough in relation to your income
I had 2 cards each w/ 5k limit that i never used (freedom and freedom unl). I asked them and they canceled one of them and approved me with a 5k limit on the sapphire!
Nice!
a rep told me that it would take 30 days before the downgrade would take effect- is that true? according to the post it’s just 2 days
The post is accurate.
I want to apply for this with a brand new credit line. It has a good score (around 730 I think) but no history. It has a discover student card but only for a few months.
Any chance I’ll get approved?
No way to know if you don’t try and then call.
Thank you Dan!
You hit me in the right minute! I just now had an $8K expense, and right before I paid it off, I saw this post! I opened one for my wife, and one for me, and swiped them 1/2-1/2 to get the max out of it…!
(I btw called in to ask them to overnight the new card, yet, they claimed that a new card couldn’t be rushed, so I asked them to send a new card under ‘old card lost’.. and I got it express! The original new card will arrive in the mail later than the replacement…)
Q: I swiped the $4K already. How long will it take for the points actually to be available for use? I want to use it towards paying the balance, so I get the max $$ out of the points ($1200).
Or do you have a better way to max the benefits out of the points? (Not planing a hotel stay soon…)
Thank again!!
Points will post at statement close.
What’s your best suggestion on how to get the most $ out of the points?
(I’m not traveling much, and I dont usually play with points, miles, etc.)
Thanks again!
1. If I downgraded Friday afternoon my csr to Freedom am I good to go, or is it wait 2-3 business days to apply for this csp card?
2. Also, by downgrading csr to freedom does that count as part of 5/24 for that or know b/c I just changed card ‘product type?
thanks!
1. Good to go.
2. It does not count against you.
thanks.. applied with your link of course – “We need to review your request a little longer. We will let you know of our decision as soon as possible. Thank you for choosing the Chase Sapphire Preferred Card.”
How long is the wait typically? Any advantage to calling them to process faster, etc.? Last time we had to move credit from another card, since chase already giving a lot of credit via others. (low utilization though)
No harm to call if you want it sooner. Otherwise, it can take a couple weeks.
I called. Approved! Spent about an hour going through two levels. (Had ID theft about two years ago and had to unfreeeze experian for credit pull). Ironic because in the end they approved without increasing credit limit by pulling avail credit from other cards. Small bummer I guess that score goes down when credit pull was irrelevant in the end it seems. But have high score and happy to be approved!
Now;
1) is it assumed to get the 1.5 csr exchange it’s a “must” to switch the freedom back to csr? Btw, I was 450 af. Assuming I will now be 550 at csr due to this process.
2) if I switch it back freedom to csr too soon will that impact my eligibility on this new csp card 100k bonus with two cards sapphire in any way?
3) And do I need to do the switch back within the 30 days wherein they said you can unwind the csr switch I did to freedom?
Thanks. Was happy to use your link!
I opened a INK Preferred (with your link:)) 2 weeks ago and am trying to meet the spending of 15k, but my credit limit is 5k.
I remember you stating that if i pay up in middle of the month and continue to spend, it’s a red flag.
How can i meet the spending without worries of shutting me down?
Can you transfer credit from another card?
The system may let you go a bit above $5K.
Can i transfer credit from the New United Quest (that i opened the same day, with your link!)?
Probably not, as consumer and business credit are typically separate. Can’t hurt to ask though or ask for a bit more credit to meet the spending threshold.
Will asking for a bit more credit pull my credit again?
FYI: I have only one credit pull for both cards even though it’s a business and personal.
Hi- Can I get this card to track business expenses or is a business card the better route. It’s more to help categorize than to maximize any one specific category (shipping, travel, etc.) Also, grocery credits and restaurants won’t really be helpful for my work from home position. Please advise. TY!
Just use software for tracking?
Software doesn’t help me accumulate points …..
is anything rung if i applied on the 10th and still didn’t get back to me (also if somebody knows how much dose my income have to be? can i say what ever i want, or they check it up?)
Dan – I recently opened a preferred for my wife and I have had a reserve for over 4 years. I was planning on upgrading my wife to the reserve, downgrading my reserve into a freedom and then applying for a preferred. Chase said my wife can’t upgrade to a reserve bc she needs to have the preferred for at least a year before upgrading. Is that a rule?
Yes, though it’s not always enforced.
Either way, you can upgrade your Freedom back to Reserve after Preferred approval.
I can’t. Then I’d have a reserve and a preferred for me. I’m trying to ensure that either my wife or I always have a reserve. You’re suggesting HUCA might work?
You’re allowed to have both.
https://www.dansdeals.com/credit-cards/faqs-becoming-eligible-chase-sapphire-preferreds-deal-year-late/
I’m downgrading my sapphire to a freedom so that i can apply for a preferred on my account. I’m trying to upgrade my wife to a reserve from a preferred so that one of us has a reserve. According to their rules of not upgrading within a year from preferred to reserve mi ma nafscach it won’t work for me or my wife. So my only option is HUCA right?
Not following. Why can’t you upgrade freedom to reserve?
Because both my wife and I will have preferreds opened in the last two months (I’m downgrading to freedom just so I can open a preferred). What they’re telling me is if I’ve opened a preferred within the last year they won’t let me upgrade to a reserve.
False. You may run into reps that won’t allow product changes on new cards, but that’s all.
Okay thanks. I’ll HUCA
I just got my wife the Preferred. I have the Reserve and I should be eligible for the Preferred after I downgrade. Is it worth keeping the Reserve and transferring all points to my account so they are worth more with my Reserve? Or does it make more sense to get the Preferred then upgrade back to a Reserve after 12 months or so?
Downgrade to Freedom, get the Preferred, upgrade Freedom to Reserve at any time you want.
Dan
I opened about a year ago a chase united card. can i still apply for this preferred offer?
Sure!
Question about the $4000 spend requirement. We currently live in an all inclusive apartment setting (we pay no utilities, insurance is minimal, eat out often), so the $4k requirement may be a challenge especially with the somewhat limit travel available to us at the moment.
I wonder if I for example, buy a refundable vacation package that’s 100% cancellable till end of 2022 for $4k, would I get the 100,000 now? And will they claw back the bonus points if/when I did cancel next year (assuming I don’t meet the spending requirement through normal expenses). I realize this seems a bit risky?
I welcome any guidance.
While that would work and they don’t claw back, there is still the risk of being on their bad side.
Approved yesterday on this csp via your link after moving from other cards credit!
1. You seem to suggest moving freedom back to csr. Is that something that usually is a no brained with the added .25 on redemption? (I have about 200k in points).
2. They said something about I have 30 days to switch back to csr when I switched it to freedom. To reverse the product change. Is that true? If I do that now will it impact the csp on the way, or bonus? Or better to keep freedom and new csp, and wait a little bit?
Fwiw I had csp at 450 af. Thanks for all the great advice here.
1. You’ll have to run the math yourself taking into account the benefits and what you’re redeem. It’s not a no-brainer.
2. You can do that once approved.
Thanks. On point 2. CSP approved and I see it in app login.
If I DON’T reverse the Freedom back to the CSR within 30 days will I need to wait 12 months to turn it back in to CSR — I ask because you’ve mentioned they frown on not keeping a product for 12 months in some replies? Thanks.
Or is only advantage that l I get to keep the 450af – vs going to $550.
Nope, no need to wait. The 12 month rule is only for new card approvals.
got it..so since this was a product change, I can switch back to CSR in 3 or 4 months if I choose to without any negative view from Chase.. Thanks again for all the great advice.
Other than the redemption/pay yourself back at .25 more and 3 vs 2 on Dining, other benefits currently have limited value to me on CSR so will likely wait to see if I start to travel more later this year to go beyond the CSP.
btw, your awesome ultimate comparison link still shows 50K on CSP – I love this chart-
https://www.dansdeals.com/credit-cards/ultimate-comparison-chart-chase-ultimate-rewards-cards-supercharge-earnings-creating-killer-quinfecta/#What_cards_do_you_have_in_your_killer_combo
Makes sense.
Updated version of that post and chart here:
https://www.dansdeals.com/credit-cards/ultimate-comparison-chart-chase-ultimate-rewards-cards-supercharge-earnings-creating-chase-quinfecta-killer-combo/
Nice — btw, A.D.D. me loved the Red color for the best in class by category on each. 🙂
So theoretically can have both the CSP and CSR
Sure
But don’t upgrade the newly approved CSP to CSR UNTIL 12 months have passed?
Correct
Applied with your link yesterday. They said “We’ll let you know our decision as soon as possible”. But this morning I see the card in my account!
Question: I downgraded my Reserve and may wait on upgrading it. Will my Priority Pass still work until its expiration or do I need an active Reserve?
On that note, if I do need an active Reserve, will upgrading automatically allow my previous PP to work, or do I need to apply again?
Thanks!!
You should get a letter soon that your PP has been closed. Not sure if you need to apply again after that.
Hope I didn’t make a mistake here. I have a Chase Sapphire and did not downgrade my card first. I applied for the Chase Sapphire and got turned down of course. I now just downgraded to a Chase Flexible. Can I still wait two days and apply again for the Sapphire or did i blow it?
Separately, I assume my wife can just apply separately anyway on for the Chase Sapphire but wait two days and get approved? She is on my (now old) Sapphire card. thanks for your help and doing what you do.
Yes, you can apply again after waiting 2 days from downgrading.
If she doesn’t have her own primary Sapphire she can apply now.
My wife applied yesterday but didn’t get approved immediately. She doesn’t have any Sapphire cards and got the 100k CSR bonus in Aug 2016. Converted CSR to Freedom in 2018. I don’t even see a hard inquiry from the application. Any idea why this could have happened? It has been more than 4 years since she got the last bonus.
Call Chase?
Oops. Credit freeze.
was just rejected
when can i reapply? immediately?
any specific thing i may have done wrong?
Call Chase and find out why you were rejected.
Just Did and they refused to answer over the phone and said to wait for the official letter
anything else to do? How soon could i reapply?
Are you over 5/24?
Do you have a current Sapphire card or had one as of yesterday?
Did you get a Sapphire bonus within 48 months?
https://www.dansdeals.com/credit-cards/faqs-becoming-eligible-chase-sapphire-preferreds-deal-year-late/
Downgraded from reserve and over the next few days I kept applying and getting a message that they need to look into it. Eventually I called and the rep said they see I was approved. When logging into chase now, I see two new cards. Is it possible that I applied twice? If so, is there a way to see which card has the bonus attached to it? (Other option is that they’re showing my wife’s new card – although not sure why they would do that. Will have to wait for the cards to come in the mail.)
If you have 2 new cards you may have gotten lucky and have 2 potential signup offers!
Spend $4K on each and see what happens!
Interesting! Did not entertain the thought that there can potentially be a bonus on each. Thanks a lot!
If you look at your new csp card via the app you’ll see the bonus offer with details of how much more you need to spend and until when you need to reach the bonus!
Dan,
I applied at the time of ur last posting of this offer a week or two ago.
got response that they need more time to approve.
Do I reach out to them or just wait? and if yes, what’s the #?
Do I re-apply using today’s link?
Thanks
I also just applied and it said I was declined. I just downgraded my csr yesterday. I’m out of the four years and under 5/24
What’s the number to call for recon?
As the post and FAQ post say, you need to wait 2 days from downgrade.
Try applying again tomorrow.
Thnx figured I’ll try, cuz you wrote that it can’t hurt to try
Thank you!
If I use the Sapphire Preferred/Reserve at a grocery store or restaurant overseas, would I be able to use the Pay Yourself Back program to use points for my purchases or does it only work for grocery stores/restaurants in the United States?
Sure!
today is Wednesday and i just downgraded my reserve card to the freedom unlimited card today. what day should i apply for the sapphire preferred card?
Friday
Hi Dan
just to clarify, you cant have two sapphire cc even one is a reserve and the other one is a preferred ,so if I downgraded my CSR to a freedom in order to get approved for the CSP and then I want to upgrade back my freedom to a CSR ,but since I have an existing CSP I would have to downgrade it to a freedom and only then would I be able to upgrade it to a CSR ?
You can have both after upgrading, you just can’t get approved for a new one if you have one active.
I currently have the Reserve myself, if I get this in my wife’s name, would we easily be able to transfer points to me for use with UR?
Yes.
I downgraded from sapphire on Sunday and applied 2.5 days later, they blocked it and said I may need to wait 30 days to be eligible…? Should I just apply again?
Yes. Good luck and keep us posted!
Applied again and approved. Thanks
Congrats!
Chase Closed all my accounts about 2 years ago, I applied for his card and got approved! I’m sure there are a lot here that had the same issue, so it doesn’t hurt to try!
Nice!!!
First it said they need to review and will let me know within. 30 days. Now i see a new card number with the 100k point meter…
Nice!
Hi Dan does this card come with tsa precheck or global entree
No
Downgraded on Monday, called yesterday to confirm, they said I was eligible, applied and was denied. Tried to apply later, denied again. I haven’t opened one in 48 months, not a 5/24 situation, and the rep on the phone only said that there’s no way to become eligible by downgrading and getting one. Advice?
Try again in a couple days.
Hey Dan
Downgraded from Sapphire to Freedom 2 days back and applied today for new Sapphire – got denied – called Chase and was told that the earlier Sapphire card was still showing in the system. Annual fee which was charged on the old one was fully refunded in the new freedom card.
Will this be a hard pull on my credit score and count towards 5/24 rule? When can I reapply again for new Sapphire?
Try again in a couple days.
No pull.
First of all, I just received my new card, so THANK YOU for that.
Second, I’m not sure why someone would be clicking the link on the Featured Credit Cards sidebar, but I just noticed that the Sapphire Reserve link says 60,000 points.
Lastly, I couldn’t help but notice how you patiently answer every question that is posted, helping your followers to get many millions of accumulative points.
Keep it up!
My pleasure!
Sapphire Reserve is still 60K.
Thanks!
My bad – I just realized I was confusing Reserve and Preferred.
Sorry about that!
Downgraded CSR today- anything to lose by applying now? Is there a chance this offer will disappear next week?
Need to wait a few days.
Hi igf i’m trying to refinance my mortgage have an excellent credit score and just a few credit cars would it be ok to apply for this cc
1 card shouldn’t make a difference if you have an excellent score.
Downgraded my Reserve on Wednesday, applied Saturday night. Got a massage I’ll get a decision in the mail. Called a few times this week and was told evey time that it’s still under review. Yesterday afternoon logged in to chase and saw the new card added with 19,500 CL!
Thanks Dan!
Congrats!
I applied a few weeks ago when there was the 80k offer and I got denied because of one credit card that I was an additional was too high the balance, now is the statement balance low can I apply again?
Sure
I downgraded my reserve account on Wednesday to the freedom account and attempted to apply for the preferred card today and I was declined so I called chase and They told me it’s because the system still shows I have the reserve card. Please advise
It’s been taking longer than 2 days this week. Try again on Sunday.
I applied for the United quest and a preferred card the same time and I was not approved for the preferred card. But my credit was already pulled because of the quest card when I apply again for the preferred card I don’t want them to pull my credit a second time
Waited over a week for a decision, logged in today to see my new card is in place! Thanks, Dan!
My score is about 750. I currently have 1 card only with Citi with a 400 CL. I opened 3 years ago a few cards and eventually chase closed them all for not enough credit history and high balances. (My hub transferred balances to take advantage of the zero Apr). Citi was initially 3000 CL, after I paid off the balance they lowered the CL to 400.i never missed a payment. I tried to apply in January for a freedom unlimited and was denied for not enough credit history.
Any idea how I should proceed? Is there any point to try and apply for this card?
Thnx. Got approved both for me and my wife. Have not applied for cards in a while due to weak offers. This is def worth it.
Downgraded my Sapphire to Chase Freedom on 6/15. Applied for Preferred card today 6/18 (waited 3 days) and got denied. Called chase and they reason for denial is my freedom is still showing that it was a sapphire card and that i need to wait 30 days.
It seems like downgrades are now taking 4-5 days.
Try again tomorrow or Sunday.
Also when they sent me my new freedom card i never called in to activate it. I wonder if that has anything to do with it?
I got an email which says “Apply by July 2, 2021”.
It says you will get approved, my wife applies shes was declined.
Amazon: Select Citi Cardholders: Pay w/ ThankYou Points, Get $20 off $50
downgraded my sapphire and as per another comment, waited until my account showed freedom, and applied – denied. applied several times over the next few days thinking it cant hurt, and was denied each time. finally i got letter from chase saying there were too many attempts and they cant approve my application. lesson – BE PATIENT
Dan, I have a Sapphire card I haven’t used for years. They would not let me take advantage of this deal. Is there any way around this?
Yes, https://www.dansdeals.com/credit-cards/faqs-becoming-eligible-chase-sapphire-preferreds-deal-year-late/
My Chase account is in America, but I live in Israel. This offer seems to only apply to US residents, even though I am a US citizen.
Use a US address?
when I send a referral link, will the person who uses my link be able to get 100,000? Because the link that I send them says they only get 80,000.
No.
https://www.dansdeals.com/credit-cards/smoking-hot-highest-ever-signup-bonus-earn-100000-points-chase-sapphire-preferred-card/#comment-1532526
My wife has the Reserve Card, and I just got this Preferred Card. I figured after a year I’d downgrade it to avoid the yearly fee. Is there any reason that I would want to keep both the Reserve and Preferred Cards, or is just the Reserve Card good enough?
Why not downgrade your wife’s Reserve to get this deal for her too?
No need for Preferred and Reserve long term.
Hi,
Just applied and got approved BH, can I go for another card on the same pull? like the united quest? how is it these days?
Sure!
https://www.dansdeals.com/credit-cards/earn-100000-miles-brand-new-chase-united-quest-card-plus-get-2-free-checked-bags-rebates-paid-award-tickets/
Same one credit pull?
Typically, yes.
I downgraded last Tuesday, applied Friday and got denied. I just applied again today and got approved. The 4-5+ days worked for me! Thanks Dan!
Congrats!
I called to see if they can adjust the difference between 80-100k. They wouldn’t budge. 🙁
I was about to PC my CSR to Freedom when I realized that I hadn’t yet used up my $300 travel credit. I just made a travel purchase, but obviously it will be pending for a few days. Do I need to wait for it to post before I can PC, or is it good enough that it’s shown as pending?
Probably best to wait for the credit.
I got approved today for preferred card. I applied for a united quest card and a preferred card the same day because i want to keep credit pulls as low as possible. chase told me they cant give me more credit to approve me for the united quest card but i can move credit from my freedom card that i downgraded from the reserve which is a 10k credit line but i do not wist to do that since i wont be able to go back to the reserve card with a lower credit line than 10k. do you recommend i request credit line increase? and will they pull my credit again even if i had my credit pulled once already at the time of applying for the 2 credit cards?
You can upgrade back to CSR with less than $10K. That limit only applies to new approvals.
If I’m using my CSP for a rental and downgrade during the rental will it affect the insurance?
Hi Dan!
Thanks for all your great info! I am trying to buy a last minute united airlines one way ticket. I have enough points in chase ultimate rewards from my freedom unlimited card but I was wondering if there is a way to get more value for the points if I transfer to the Sapphire preferred that we just opened (thanks to you:)). So far I have no points in that account. It sounds from your posts that there is a way to do that but I am not sure how… Thanks so much for your help.
I had a similar situation with my new CSP. Initially, moving my UR points from Freedom to CSP was not an option. However, after the first statement (and a few CSP-UR points), all options were available.
Check the mileage price on United.com and in the Ultimate Rewards portal.
How can I get my 18 year old w no income approved using my income?
Put down household income if he can draw from that to pay off his card.
I rarely sign up for new credit cards but I had to bite on this one if Dan is calling it the Deal of the Decade. Thanks Dan
😀
I currently have CSR (and am eligible for CSP bonus as enough time has passed). I am considering downgrading CSR to get the CSP. However, I have flights in September that I bought with CSR. I presume I would lose CSR travel protections? Anyway to transfer those protections to CSP?
You can upgrade the Freedom back to CSR after you’re approved for CSP.
Just a quick update. I downgraded CSR to Freedom and waited 5 days to apply for CSP. Got the message that they need to review the application further. Hope that happens soon, need to make sure decent sizes purchases soon. I guess they will email me the outcome?
@Dan, I got denied for too recently having a sapphire (4 days ago), and I still had my credit pulled. Any advice?
Is the policy of not pulling credit written anywhere? Reconsideration agent claimed that that’s not policy, and I should dispute it with the reporting agencies
Downgraded my csr to the freedom on Friday and just approved today for the csp.
1. Will chase charge me for the $300 for travel that I already used?
2. How long do I need to wait to upgrade back to the csr?
Thanks Dan
1. No.
2. You can upgrade at any time.
Is the wait time once you downgrade a Reserve card to Freedom 3-4 BUSINESS days or CALENDAR days? Don’t want to pull the trigger prematurely. Thanks.
4-5 calendar days.
Application link not working
Works for me.
Try another browser, incognito, or another device.
Worked after a few minutes.
And- I got approved! Last bonus was 4/21 Thanks Dan. I always try to use your links so you can benefit!
Congrats and thank you!!!
I currently have the chase freedom for a long time already, can I transfer it to a new sapphire preferred and still get the sign up bonus? The reason why I wana do it like this is to prevent them from doing a credit pull, vs when opening it as an complete new card, or maybe I’m not right, just asking…..
No, you need to open a new card for a new card bonus.
1 credit pull is not a big deal.
Do the 48 months start from when u opened the card or received the bonus?
The latter.
Can I get this card for my s-corp?
No
can somebody explain what makes this so exciting??? 100k is nice but def not deal of decade. theres been many other 100k offers….??
For starters:
1. Most 100K offers require a much higher spending threshold.
2. Chase UR points are the most valuable and versatile currency, by a long shot, so these 100K points are worth much more than other 100K offers.
3. Most other 100K offers have higher annual fees.
Hi Dan, your patience is remarkable, Kudos!
I opened a discover in January of this year which was my first card, and my score has been good and no late payments or anything like that would I get approved for this?
Dan, looks like Chase changed their policy. We received a written explanation of why our new Sapphire Preferred application was not approved. Chase says “You earned a new account bonus on a Sapphire product in the last 48 months”
That’s what the post says.
When did you last get a Sapphire bonus?
Yeah, sorry, I was reading the part about downgrading cards and waiting a couple days and forgetting about the 48 months. My wife and I both got them in the past two years.
Hey Dan!
Thanks so much for all your help thus far. I would really appreciate it if you can help me. I got the Chase Sapphire Preferred Card in 2019 (obviously not more than 48 months ago) and downgraded to the Chase Freedom Unlimited today in anticipation of getting the 100k promotion for reapplying. I for some reason thought I was within the 48 months but only actually checked it after downgrading. Do you think there’s any chance that I could still get the promotion/incentive? If not, would I still be able to upgrade back to the Chase Sapphire Preferred Card even without the promotion/incentive?
You won’t get approved.
You can upgrade back at any time.
You can always apply for other cards from Chase like at the bottom of this post: https://www.dansdeals.com/more/chase-offers/targeted-chase-offers-save-att-wireless-t-mobile-disney-walmart-best-buy-dell-starbucks/
What if I have other chase accounts such as a checking and savings account which were both opened way before 2017?
Hi Dan,
I applied for the card after two days of downgrading got declined then reapplied after five days it said will notify you within 2 weeks today I called it says will notify you in 7-10 business days what could this mean.
BTW my brother has the same issue
Normal. Speak with a rep if you want to expedite the process.
What number should we call to expedite?
i got approved for the card, but it doesnt say in the ultimate reward section how much more i need to spend to get the 100k, so i got nervous that i wont get the bonus, i secure messaged them, they rep said, i am eligible. does that make sense? for it not to show the progress to the bonus, but i will get it?
If you’re approved you will always get the bonus.
any update untill when this deal will be live?
I got a fraud alert letter because of my application. They gave me a number to call to verify it’s really me applying but I waited on hold for 20 minutes in the am before hanging up and 80 minutes in the afternoon before being disconnected!!!
The letter says that if I don’t verify application by calling, they will void my application within 1 more week
Any ideas?
Call again?
How can I get this fory 18 year oldwith no income. Id love he it to be based on my income. He was automatically declined.
try it with household income
I put in our household income which is more than adequate. However I did say he has o income himself
Approved after waiting an hour for verification!!
Congrats!
I applied but pending review when I call they say I will be notified within 30 days and rep said there’s nothing they can do I have to wait. Any way to expedite it?
Ask for a manager?
if i reserved a rental car with my chase freedom and i pay it with my sapphire will i still be covered with collision insurance
Yes
You need to take out the car on the same card you use to pay so if you reserved on a freedom and took out the car on that and then paid with a sapphire you would not be covered at all
What you would have to do if you reserved on a freedom and wanted to pay with a sapphire is when you pick up the car tell them you want to use a different card then what was on the reservation
What’s the phone number to call for reconsideration/review
888-270-2127
@Dan
Applied, Immediately approved for $21k (My cc’s were actually shut down by chase completely 3 years ago for having to much credit – reserve, freedom, slate, and ink).
Then applied for Ink preferred, immediately approved $31k.
Question now is if to apply for another chase card today (enjoying the credit pull):
(i) Does the Ink count to the 5/24 rule.
(ii) If declined, will it cause them to review the previous approvals.
Thanks for all!
@Dan
If possible to answer asap, question only relevant today…
If you were shut down before, I’d probably stop at 2 in one day.
Thanks Dan, much appreciated!
Hey Dan, i got approved with your link for 2 of theses card (me and wife) already reach 4K on each card for bonus.
I had on my account a chase sapphire reserve card for over 4 years, I downgrade it to chase freedom so I get approved for the chase sapphire preferred.
now I want to get back my chase sapphire reserve card
what is the best way to do it?
upgrade my freedom card to the reserve or try and reapply for reserve to get the bonus that’s being offered now?
I appreciate the reply.
Thank you
Probably upgrade to Freedom.
Dan, Thanks for you link. Approved! I use your site exclusivley because of your deep knowledge, honestly and that you don’t do politics.
It’s much appreciated! Thanks for the kind words and congrats on the approval!
Got approved on my wife’s account, thank you Dan!
This was the first Chase card she was approved for, ever since her accounts were shut down several years back.
Congrats!
Is there a number to call if they initially decline?
888-270-2127.
Did you get a Sapphire bonus within 48 months or have a current Sapphire card (or had one within the past 4 days?)
is there a way to see a history of cards?
Will they give notice before ending this deal?
Sometimes they do, sometimes they don’t.
I have a regular Sapphire card from when I downgraded from the Preferred. Am I able to apply or do I first need to switch that to a Freedom?
Switch to Freedom and wait 4 days.
Do authorized users add up to the $4000 in 3 months?
Spending on their cards? Sure.
Hi Dan I got denied for the card because I got the bonus within the past 48 months they told June 27 2017 I got the bonus I applied again last night after 12 which makes it exactly 48 months but still got denied what do you suggest?
Try tomorrow.
Is the wait time 3 to 4 days or business days. I downgraded on Friday. When can I apply for the new card?
I’d wait until Tuesday.
I got denied. Would there be any chance to reapy?
Call them and ask why you were denied?
Can i use it to pay mortgage?
I got this card when it was only 80,000 points. Has anyone had success in getting matched to the extra 20,000 points?
I called a few times and they said they will only honor the offer I applied for.
Thanks!
They are not matching offers.
it’s really only an extra 15,000 points since with this new offer you don’t get the $50 store credit.
5,000 points is worth at least $62.50 in travel, or $75 if you can transfer your points to a Sapphire Reserve.
I applied through your link, got approved but never received a confirmation email. Also how do i sign up to chase online site without application number.
Just wait for the card to come, or call Chase to have it expedited.
If I have a plain chase sapphire card can I still get the bonus 100k
No, you would need to change it first.
https://www.dansdeals.com/credit-cards/faqs-becoming-eligible-chase-sapphire-preferreds-deal-year-late/
Dan got my card through your link
Thanks. How soon can we switch Freedom back to Reserve? They said we have 57 days from card opening. Otherwise a year. Called 3x to verify
Congrats and thanks!
Anytime.
denied in the spot for too many cards. I only opened 2 cards in last 24mo. Called reconsideration and explained I’m an authorized user and didn’t open 5 cards etc. The guy refused to do anything and said decision can’t be changed. Does it help to call again and speak to someone else or will they have it already as don’t approve ever?
If you switch to freedom and reapply 4 days later, will that give you the bonus even if you had gotten a sign up bonus within 48 months?
Just signed up from Canada with my USA Address and was approved instantly!
will have the card mailed to Canada.
How do you have the card mailed to Canada? Doesn’t it automatically send the card to the US address used for the application?
Yes it gets mailed to the US Address used in the application and afterwards I have it forwarded to Canada.
3rd times the charm
1st applied to soon. Was denied
2nd they couldn’t verify my income. Was denied
3rd I waited a week and applied again was approved after 24 hours. Hooray 🙂
Thanks Dan
I would just add to the article, that if you are planning a trip in between getting the cards, it’s wise to transfer the ultimate rewards or book at 1.25/1.5 points while you still have the sapphire or reserve cards instead of like me where i need to book travel and I am waiting for my approval. If there would have been a notice about it, I would have done something about it.
First try declined for having reserve
3 days after switching to freedom got instant approval
Congrats!
Just got declined right after applying what can I do
888-338-2586.
Did you get a Sapphire bonus within 48 months or have a current Sapphire card (or had one within the past 4 days?)
When does the 3 months start to spend the $4k? When I got accepted or when I activate the card?
Accepted, though it’s actually a bit longer than 3 months. Contact Chase for the exact date.
How soon can we switch Freedom back to Reserve? They said we have 57 days from card opening.. . If we switch back will it negate our 100,000 mile bonus?
Right away.
No.
I’m assuming when upgrading back to reserve you get charged the full yearly fee. Is this correct?
https://www.dansdeals.com/credit-cards/faqs-becoming-eligible-chase-sapphire-preferreds-deal-year-late/
Any chance this deal ends at the end of the month?
It can end at any time. If you’re eligible, go for it!
I’m paying off a bunch of credit card debt over the next week so my credit score should be higher then, but is it too risky to wait a week and lose the deal?
Also if you get denied when can you reapply?
Hard to say for sure. You can still reapply if rejected.
To explain that a card is just an authorized user card and not 5/24 do I call and explain before applying or after applying?
After, when you call reconsideration to get approved.
Quick question. I owe about 4000 in taxes in the USA. Can I pay with this card and get the 100,000 points? Thanks in advance.
Sure
@Dan i was shut down a few years ago from chase they closed all my accounts
Can i apply for this card and get approved? or am i totally blacklisted for life?
Yes, many people have been approved for this offer after past shutdowns.
Just don’t repeat the behavior that got your shutdown…
I applied fri got a pending called asked to move credit around then told 24-48 hours for security to approve, call today they say 1 to 2 weeks in the mail ,I don’t see it either pending online anyone knows what this means?
Is it 48 months or since 2017 that you can’t get another bonus from?
48 months.
My wife and I were approved (Dan’s link, of course) and I was trying to figure out if this is the best way to cash in – spend 4k on each card, with one of them being almost totally for groceries, then consolidate all the points on that one, upgrade it to a Sapphire Reserve, and pay myself back – if i calculate correctly i can pay myself back with 208,000 points at the rate of 1.5 to cover $3120 in grocery spending! Did I miss anything?
Sounds like a good plan, though you may have trouble upgrading a newly opened card within 12 months, in which case you would only get 1.25.
But let us know how it goes 🙂
When should I attempt to upgrade? Do I have to wait until the points are awarded or can I try right after I reach the spending threshold? How quickly are the points generally awarded?
Probably after you get the signup bonus. You’ll get that on the statement after you finish the $4K spending.
Sure enough, they won’t let me upgrade so fast – they offered me to upgrade my old freedom unlimited card instead, so I guess I’ll spend a couple grand in the grocery (stop n shop sells $500 prepaid cards) before upgrading it to a sapphire reserve, and then transfer my points over from the sapphire preferred bonus into the new reserve card and pay myself back – shouldn’t be a problem even if i spend in the grocery before the upgrade right? (freedom unlimited will earn 1.5 points per dollar vs 1 point on the reserve)
world of hyatt credit card is running a promotion thru august that you can get 5% back on travel including gas, up to 1,500 in spending. would i get the 5% back if i bought gift cards from a gas station? also have yo ever heard of anyone getting in trouble (getting their cards cancelled) for buying tremendous sums of gift cards at gas stations just to take advantage of there promotions?
Should work. No issues.
Hi. I have a very decent credit score over 760. My credit history is over 5 years. I just applied for the chase sapphire card, and I got declined. I called to reconsider, but the representative said that I have to have a chase account to be approved. Does it help to try to call again to speak with a different representative? I know someone who has a much lower credit score than me and has no chase account, and he got approved.
HUCA. Otherwise, open a Chase checking account.
Does authorized user definitely not count towards 5/24 count (if you call)? I see on other websites they say it does count…
If it does count does removing the authorized user help or no?
If you call, you can say that you are not financially responsible for the card and it will not count.
My husband has this card already and I’m an authorized used on it.
I applied for my own card as a guest. I could not do it when logged into our joint chase account, because my husband is the primary owner of the account. I got an email saying that they’ll let me know if I’m approved in 30 days by mail. Any way to check the status of my application if it’s not linked to my chase account?
Thank you so much for taking the time to respond!
888-338-2586
I was told by a rep that offer ends July 17th
Dan is this reliable?
No idea, sorry!
How long does it take to get card? My wife applied last Monday and we still havent received it.
You can call Chase to expedite it.
Why is there no longer an option to jump to recent/newest comments
yes.. I miss that too!
I just downgraded my Sapphire to Freedom Flex. They said the Sapphire will stay open for 60 days though. Is that going to be an issue when applying for the Preferred?
Nope, just wait 3-4 days.
Cool just got instantly approved even though I’m at 5/24 (one of them was authorized user but didn’t think they knew the difference)
But hey not complaining at all 🙂
Are the Miles good for American Airlines?
Can’t transfer to American but you can book American flights for 1.25x value
You can use BA Avios to fly on American or book paid travel with points:
https://www.dansdeals.com/credit-cards/22-awesome-ways-redeem-100000-chase-ultimate-rewards-points-can-earn-opening-just-one-credit-card/
Thank you for posting that. Any idea if Gift cards purchased directly from Airbnb qualify as a spend?
I believe that does qualify. not sure why it wouldn’t.
Sure
Thank you sir.
Hi,
I applied for AMEX consumer Platinum card when they has their promotion in the beginning of the year, and my car lease is expiring in less than 2 months, which makes me a bit concerned that, if I do apply now for this card will it affect my credit when I’ll need to apply for a new car lease?
If you have good credit then I wouldn’t be concerned.
Dan, rep told me the system will allow me to spend towards the 4K spend bonus until 23 days after the official cutoff date listed on my account.
Well-informed rep or uninformed rep?
Get it in writing via SM.
Dan – if I applied while my credit was frozen so I got the ‘reviewing message’ and then I unfreeze my credit, can I just reapply or do I need to call them and ask that they review again and approve me?
You should call them.
I was just approved, and this is my first chase card. Is there some way to confirm that I am eligible for the bonus? I can’t seem to find any indication on the site.
If you are approved you will get the bonus.
Do charge cards count toward the 5/24 limitation? I applied for a few AMEX Platinum personal cards the last 2 years so that put me over the limit.
Yes
Just apllied and got approved! Thanx Dan! I’m happy to also be able to support your wonderful site a little;)
Congrats and thanks!
I have impeccable credit and applied a few days go. They said they need more info, etc. Thing is, I never received a confirmation email or anything. Is there a number to call to check the status?
888-338-2586
I got an email from chase saying I’m preapproved for the sapphire preferred and I should apply by July 15th. First of all, am I automatically approved and 2nd of all, it definitely is open for enrollment till then. And even without your link!
No, it’s just marketing jargon. You need to apply and see what happens.
I spoke to Chase today for a while and the agent put me on hold a few times to check info. She said it can change at ANY time but it seems they’re working with July 17 as the date. FOR NOW. Do not take this as Toras Moshe miSinai and it’s subject to change at any time but…
Just hung up with Chase Recon. The Rep told me that we must wait a full month billing cycle from the date of downgrade (from existing SP to Freedom) to be eligible for a new SP, and that card rejections for applications that are too close the downgrade date are in fact hard credit pulls. Im assuming she was wrong on both?
Indeed. How long did you wait?
Waited close to a month at this point. applied again (a few times) still getting rejected and multiple recon specialists still saying that a full cycle needs to go buy (possibly including fully paying down the downgraded card’s balance) before we can get approved for the new SP. Seems to cut against what everyone else is hearing. Not sure why we are special! 🙂
Downgraded my Reserve card on Sunday, applied on Thursday but did not get instant approval. Called them and found out it was because I forgot to unfreeze my Transunion account. Once I did that, they shifted some of my credit line from the old Reserve card and I was good to go. Thanks so much!
Congrats!
I have 800+ credit score $200k+ income have no neg on report did not open any CCs in 24m. They said they need more time to look into it?? Is that normal?
This was 12 hours ago…I still did not hear from them
Call them?
I applied for my husband and got the same response. After a few days of not hearing from them, I decided to apply for myself and got the same message. I was disappointed. Two days later his card showed up in the mail and now my card shows up in my chase login…so we got approved for both.
Congrats!
Thank you Dan for all the deals!
I applied for the card and got “Thank you for your request, We need to review your request a little longer. We will let you know of our decision as soon as possible. Thank you for choosing the chase sapphire preferred card.”
I then immediately called the number you provided in the comments and was transferred a few times till I got someone from the lending department who said they 1st needed to verify my social security number and was finally approved!
Thank you Dan for all your posts and let get the comments going to 1000.0000000000000!
Congrats!
Thank you so much Dan for this fantastic deal! I downgraded my card two Saturdays and applied 5 days later. I used your link and got the “we need more time more time to process you app” message. It had been a week so I called in today.
I spent 2 hours on hold first with the recon line and then they transferred me to get verified. If you want to skip the first recon line wait, I recommend calling 800-278-8830 directly. They confirmed my social and I was approved. I wish I would have called last week but thankful to read the data points in the comments and call today!
Congrats!
Applied got approved after confirming identity. Also applied same day for Marriott got approved with 1 credit pull. Thanks Dan!
Congrats!
I have a question about Chase united card.
I twice sold my points through one of these people that buy cc miles, and United said they are penalizing me and not rewarding me any more points through Ultimate Rewards. I never did anything about it and continued using that cc. I dont know why as i get nothing out of it but okay. This was about 6 years ago. I called Ultimate Rewards about 5 years ago and they said there is nothing to do about it since I breached some kind of rule that I cant sell my points to another person. I have been using the card since then. Do you have any idea how I can retroactively get my points for all the 1000s of dollars I spent on that card?
I actually just got this card taht you are advertising but I dont want to close my other card as perhaps there is a way to get my points redeemed…
Not really following your story as United has nothing to do with awarding Ultimate Rewards.
I cancelled my wife’s Sapphire card (not preferred) 2 weeks ago. I’ve tried twice to sign her up again online for this deal. Both times they rejected me saying she already has a Sapphire card. What do I do now?
Thanks
You should have downgraded instead of cancelled. Try waiting longer and then try again.
Or see if you can uncancel it and downgrade it.
I applied and I got “Thank you for your request.
Unfortunately, we are unable to approve your application.
We will provide you more detailed information in 7-10 days that explains the reasons for this decision.”
My Fico score is over 770 and my income is from my parents, what should I do?
Call Chase 888-338-2586
Thanks! Why should be my argument/claim?
I understand the allure of 100k Chase points as I’ve grabbed a few of these type deals in the past but why are you advocating downgrading from Saphirre Reserve and devaluing redemption value from .015 to .0125? For people with a lot of points that could negate the 100k point earnings. I read you can downgrade and then upgrade but in my experience that is a risky move as Chase can be difficult especially for Reserve card approval. It also seems like a major hassle to downgrade and then upgrade assuming none of that triggers an issue with eligibility for the 100k points. I think this maneuver is more complicated than you are explaining here for those who have already held either a Reserve card a Preferred card or both.
Because your entire premise is wrong and I’ve done that many times.
It’s no big deal to change between card products and it’s done instant with a phone call. You can go from Freedom back to Reserve at any point without issue.
There is no major hassle and none of it creates problems to get the 100K.
Got approved on Friday and I still don’t see the card on my online account, how long does it take?
Up to a week.
Applied and got this as the response: Any advice?
Thank you for your request.
We need to review your request a little longer. We will let you know of our decision as soon as possible.
Thank you for choosing the Chase Sapphire Preferred Card.
You can wait or you can call 888-338-2586
Hey Dan I kept getting denied and they said I got the bonus within 48 months and they said I should apply after June 27 and I got that in writing via secure messenger so I reapplied and still got denied I called them and they checked and said it’s still within 48 months what do you think I should do?
Did you check your old statements to see when you actually got the last bonus?
It’s on my June 27 statement
Odd. Ask them to research what bonus you got within 48 months?
They told I have to wait till after July does that make sense
No, others have been approved by waiting to apply until 4 years and a day after the last bonus.
Are you sure you got the bonus points on the statement dated 6/27/17?
When did you last apply?
Yes I’m sure I last applied a few days ago
Hi Dan thanks so much for all the deals.
I wanna apply for the sapphire preferred card, I was waiting to get rid of 2 (out of 6) credit inquiries that were almost 2 years old (so that i have better chance of getting approved). it is now a full 2 years and and I wanna apply for the card but my credit report didn’t update yet so those 2 inquiries still come up, I don’t wanna wait bc I’m afraid the deal will end, will chase automatically have my credit report updated when I apply for the card, or do i need to wait for it to update before applying?
Chase doesn’t care about inquiries. They care about approved consumer accounts in the past 2 years.
If I see this message on my chase dashboard does it mean I’m approved without applying? or it just means pre-approved?
“Leah, you’re already approved for a Chase Sapphire Preferred® card.
Because of your relationship with us, we’re able to customize options that fit how you bank.”
Dan, do you think the offer will be available if I downgrade a CSR, wait the 5 days to apply? Are we talking business days?
3-4 calendar days is OK now.
I think it should still be around.
I downgraded my reserve card to a Freedom to get this promotion. Do I need to wait until the bonus points are applied to my account to upgrade the freedom back back to the reserve? How about upgrading the preferred to a reserve? Thanks
You can upgrade the Freedom back anytime after you’re approved for Preferred.
You can try upgrading the Preferred after you get the signup bonus points.
How long should I wait till I update my new card to a sapphire reserve?
See the previous comment?
Thanks for your reply. I have been approved for the card. Congratulations.
Following up on the question, if I’m using my points for travel and I’m transferring to Hyatt hotels and airlines, is there any benefit to change to reserve for the 1.5 redemption?
i was declined for this card for the reason of not enough credit long enough..! with tow times calling in for reconsideration and same reason got rejection! and i have a freedom card is there anything i could do as of now
Did you offer to close the Freedom card if they approve this card?
yes
I want to have another card for my wife but I don’t want to add her as additional user, is there a way to get it?
Just request a replacement card due to demagnetization.
Dan, an off topic question, I’m trying to combine chase points from my business to my personal account, and I see they removed the option of adding an outside card to transfer the points, is there any other way to do it?
You can add your personal cards to your business login. Call Chase.
Thanks, then if I wanna transfer from my personal account to my wife’s account ( I need to get it to the sapphire reserve) then I should do the same (my wife’s account with mine)
You can call Chase to transfer points to your wife.
Can one provide them with approximate income of 2021 only?
Yes
if my credit score is “good” with credit wise around 730
and around 680 on experian can i get approved?
No way to know unless you try.
Dan, I applied for card, was rejected. I had the card & downgraded it back in 2016, I called the lending dep. they said I was rejected because i have the reserve card, anything to do @ this point?
Thanks so much!
Downgrade the Reserve to Freedom, wait 3-4 days, apply again.
If I downgrade my Sapphire to Freedom Unlimited, will that count towards one of my 5/24 cards?
No
Through you I have the new Preferred card! When can I upgrade my Freedom Unlimited without jeopardizing my new 100,000 point bonus? Does it have to post first Dan?
Should be able to anytime.
I learnt the hard way. It’s not 48 months from last signup. It’s 48 months from last signup BONUS earned. Dan actually wrote that in the article correctly but I misread it first.
This has got to be the most comments on a post in dd history!
way to go guru!
😀
can i upgrade my card from preffered to reserve to book travel and then downgrade it afterwards or will chase shut me down?
Probably not a great idea to abuse that.
In order to get this card and the quest card I had to decrease my credit limit on other chase cards to move to each of those. I keep getting credit alerts but they are receiving experience and chase credit journey updates that my credit limit was decreased on a couple of cards. Does that count negatively against my credit score assuming that I still have the same amount of overall credit (and low utilization),even though I had to pull from and decrease from two or three cards for Chase to issue me both of these new recent ones? Thanks
No difference if you’re not maxing out your limits.
Great. Thanks.
i have a big purchase to make. If i get approved, how quickly will i be able to get the card to make an online order?
You can call to expedite it.
If not approved right away is it better to wait or i should call reconcideration right away ?
There are different schools of thought, no right answer to that.
is there any plus with the old freedom over the flex? should i change my freedom in for a flex?
Costco only takes Visa.
I believe in Canada they only take MasterCard. Go figure
Hi, I applied for the card two days ago and still did not receive any response that I was approved, will they email me or send letter? and how long will it take??
thanks!!!!
If you have the Chase app on your phone and some other Chase card already showing in the Chase app, then when they approve you for this new Chase card it will usually first show up in the Chase app with the card type and the last four digits of the new account.
That’s what happened to me.
You can also call 888-338-2586
Hi Dan, I hope you can help me as usual. I applied, made a mistake when I entered my info on the application and therefore filled in another application a few hours later. They suspected fraud. I called, they asked a few questions and the rep told me I’m approved. A week later I received a letter that due to suspected fraud they have not approved my application. I called back and they said that by my last phone call I was actually declined. Even though I was told that I’m approved? My question is how to get out of this mess?? If I call again will it just cause more problems? Any solution? I have 4 accounts with chase and a credit score of 780. I’m really afraid of messing myself up here and really want this card. Any advice would be much appreciated! Thank you
Can’t hurt to call again.
Dan, any reason to sign up for dashpass now and then have AU wait until dec 31 to sign up? Will we end up with more than a year of dashpass? (My wife and I always order together anyways, so no real benefit of having two dashpasses at once- except for the occasional promos)
Don’t think AU gets their own dashpass, but not positive.
if I’m using my points for travel and I’m transferring to Hyatt hotels and airlines, is there any benefit to change to reserve for the 1.5 redemption?
Only if you want to have that as an option as well.
After qualifying for the 100k bonus if I immediately upgrade my Freedom plus back to Reserve will I lose my 100k bonus? Super important question
You would not lose it.
What if I upgrade before I earn the full bonus Dan? By the we got 2 bonuses through you, thanks!
That’s fine.
Thanks 🙂
Hi Dan,
I changed my card over to a freedom unlimited. Chase stated that 99.99% I will get rejected for the new card/sapphire preferred due to my billing cycle closing in august. They said there’s no way around it. I don’t want to submit an application for no reason. Btw I have not received a signup bonus since 2016. Thanks
Chase told me it’s 30 days, not 4-5. It was 4-5.
downgraded my reserve to freedom unlimited on the 8th (week ago) tried applying today (15th) in branch they told me I’m ineligible. did they change the time (4-5 business days) frame to wait when downgrading before applying?
No, branches make you wait a month after downgrading.
Online it’s 3-4 days.
Fake news. Wait a few days and apply.
Hi Dan, so you think I should be fine if I wait 2-3 days then apply for the new card? I downgraded my card today to a freedom unlimited card.
Yes, try on Wednesday or Thursday.
Thanks Dan, hopefully it works. The promotion expires the 17th according to chase.
Hi Dan, I downgraded to a freedom card on Sunday, should I apply today or tomorrow for the new card?
Can I move the points from my sapphire Preferred to my husband’s sapphire Reserve online, or only by phone?
Call.
[I don’t remember seeing this here, so I am adding it. I apologize if you have already posted this.]
I discovered a new situation in place for Chase cards since June 1 (I think). If you want to set up a *NEW* other household member’s card to combine UR points with you can no longer add the household member’s card yourself using the Chase.com website or the app, you need to do the 1st transfer by phone, with an agent. (The one I spoke to was very nice about it.) This will make the other household member’s card show up on the Combine Points page. After that 1st time, the household member’s card will continue to appear there and you can do future transfers yourself online or using the app.
This is not an issue of your card was added beforehand — it will stay there — but it will be an issue if you want to change the, e.g., Sapphire Reserve card you want to combine with, like I did.
Do Chase let you apply for credit cards by phone for someone without a social?
Is there a list of home improvement stores eligible for pay yourself back? Any idea of a store in that category that sells prepaid gift cards?
Home Depot, Lowe’s or anything else categorized at home improvement.
Those stores both sell gift cards.
Do you know if they sell pre paid visa/mc gift cards?
Have you heard it expires the 17th of July? Thanks for all you do, Dan!
Not sure, though I have seen that posted by some sites and some Chase reps have told that to people.
Which gas company allowed you to prepay? And which electric company allows you to autopay with a credit card? First Energy?
Dominion.
First Energy.
In OH.
i got the freedom 6 years ago, i want to get the sign up bonus for the freedom flex, do i have to switch my freedom in for an unlimited in order to be eligible for the bonus? also if i do need to switch it in, how long do i have to wait in order for it to take affect and allow me to get the bonus for the flex?
No need to switch.
https://www.dansdeals.com/credit-cards/create-quinfecta-signup-chase-freedom-flex-freedom-unlimited-get-20k-points-plus-earn-5-9-points-groceries-year/
I spoke to chase lending department and i was told that the application has to be rewied it might take up to 2 weeks and there is no way to expedite it ,am i in for trouble ?
Hi Dan, I Just spoke to a Chase reserve card rep. She claims the online bonus finishes on the 15th & in branch offer will finish on the 17th, can you confirm?
Dan, have you heard this? Should we be concerned that this is possibly accurate?
It’s certainly possible, I don’t always know when an offer will end.
I’d be a bit surprised if they let the online offer go only a month and a half. Branch offer has had tons if rumors ending the 17th. We will see
Is there any specific time frame chase makes you wait between doing a product change and product changing again?
No
i signed up for the card on july 6th and I still didn’t hear back from them. how long does it take to get approved?
888-338-2586
If you have the chase app, check under your cards on the app. I found my new card there two days before I got an email that I was approved.
Anyone know if I can still get the signup
Bonus if I hold the old sapphire, not the preferred or reserve?
You can’t.
You need to change that to a Freedom card, wait 3-4 days, and then apply.
how much should i put for yearly INCOME COULD IT BE BAD IF I PUT TO MUCH
Dan – I applied and received both cards the CSP, and Citi’s Premier – thanks for the links. Is there anyway I cam combine these points for 3 tickets to Israel on Delta/United, Comfort/Premium?
thanks in advance for any advice.
Hi Dan,
When I login to chase it tells me that I am already approved for the CSP for the 100K.
Can I assume that I will get approved if I go thru your link as well?
Thanks
Yes
Ok Thank you enjoy the referral bonus
Thanks for your support 🙂
Hi,
I downgraded my reserve to a freedom and applied for this card. It’s currently in review (was initially denied and its in for reconsideration). Can I already upgrade my freedom back to reserve? I have travel I want to book using my reserve.
No, you need to wait until you’re approved.
Firstly, thanks TONS, Dan, for this. Because of you I now have 100+K UR points on my brand new CSP card.
Secondly, I had planned to transfer all the UR points to my CSR, but now I am wondering if it pays to use some of them to “Pay Myself Back” for expenditures made on the CSP card in order to get to $4K in spending, first. On the one hand it’ll effectively make those purchases free, with a small net gain of the 1x points earned, and the 25% discount on the redemption. On the other hand they would be worth 25% more after being transferred to the CSR, but that additional 25% would only apply on travel and future grocery, etc. purchases. And I would have to pay $ for the existing charges on my CSP card.
My question is there any way to consider it worth it to “Pay Myself Back” before transfering the remaining points to the CSR?
Tough call. Might be be able to convert the CSP to CSR after you get the bonus and then Pay Yourself Back at 1.5 cents each, but most reps make you wait 12 months from when you open a new account to upgrade.
Thank you very much, Dan.
Question: Could it hurt to try to upgrade the CSP now to CSR and then downgrade it soon after I Pay Myself Back? [Obviously I would have to pay the higher cc fee for the time the cc remained a CSR, so I would want to downgrade it back (maybe even into a Freedom) ASAP. I just don’t want to risk getting a “black mark” with Chase.]
I guess my question is can it hurt to try?
Looking for some insight –
Chase offers 5% on Chase Travel purchased through Chase Ultimate Rewards.
Why isn’t it worth to redeem points for cash and then use that cash to book travel through the portal for an additional 5 points per dollar VS using ultimate rewards to book the travel and not earn any additional points?
You can only redeem points for 1.25 cents if you are offsetting Pay Yourself Back purchases. If you have that, then it’s a no-brainer.
Oli, of course Dan’s way gets you both benefits — 25%/50% benefit fom Pay Yoursef Back and 5% from booking through the portal using cash.
I would think that the benefit gained from the additional 25% (for CSP) and 50% (for CSR) that youi’d gain for using UR points to book travel through Chase would be greater than the 5% you’d gain your way. No?
HI Dan, I have a chase sapphire preferred card through my wifes account. Can I open a new account under my name/info?
If not how do you recommend getting this card?
You can.
I don’t get it
don’t you only get 5% points on travel booked through ultimate rewards portal when you use a freedom card?
please correct me if I’m wrong thanks.
Hi @Dan – Thank you for the info.
I downgraded my card yesterday on the 7/13 and didn’t see the older post until now that the promotion might end on 15th online and 17th in branch?
Waiting 3 days will put me until the 16th — what do you think I should do? Should I apply tonight or tomm? Or risk it and apply on 16th ?
Thanks!
I haven’t yet heard of an end date.
I downgraded my reserve to get this card and was approved. I want to upgrade now to book travel (today) but chase is saying that it will take 3 days. Fake news or legit?
Dan – great advice to apply for the CSP and then convert to CSR! But how soon could I do that conversion, practically speaking? Is it only doable after earning the bonus?
Even after the bonus, it will be YMMV.
But PYB back works for 90 days from the purchase date.
Sorry, I don’t understand what’s going to vary. I plan to apply for CSP and convert to CSR as soon as possible (i.e. without losing the 100k bonus). Do I have to wait until I hit the spend threshhold? Wait until the bonus is paid out? Wait even longer? Or is it unknown how long I’d have to wait to do the conversion?
OK, I think I got it now. Your note saying that they might not let me convert for 12 months is not what I thought converting “down the line” meant… Reserve is the card I want, and though I’d love to get the higher sign-up bonus by going after the CSP and converting, not willing to wait 12 months for it!
“You will be better off applying for this card and converting it to a Reserve card down the line. Note that some reps will only allow card conversions after you have had the card for 12 months.”
Hi Dan got approved using your link thanks, when does my 3 months for the 4k in spending start? Does it start when I activate the card? I’d yes how long can I wait to activate it?
Congrats and thanks!
The time starts when you’re approved. You can call for the exact cutoff date.
Shows up in the app
anyone else seeing the bonus /cutoff date in the app but NOT online ?
If it says decision pending is their a way to find out an immediate answer?
888-338-2586
If I upgraded a freedom to reserve in order to transfer my CSP bonus to the reserve and cash out all my point through pay yourself back and will also take advantage of the $300 CSR credit how long should I keep the card as a CSR before downgrading again without looking like I am taking advantage of Chase?
Thanks.
can i count househould earnings on the application form if i file as a dependant on my fathers tax returns?
After reconsideration line ; you sometimes have to call Fraud Verification Team
@ 1-800-278-8830 . They open at 9AM EST
1000 Comments! Not bad!
just got a letter that was approved but they put it through not as the requested sapphire preferred but as a sapphire signature visa
HELP?
That’s a new one.
Try calling 888-338-2586 and see what can be done to get a Preferred? Do you have any other Chase cards you can close or shift credit from?
called and sorted out.TY
Downgraded my reserve to freedom unlimited on the 8th (week ago) tried applying today (15th) in branch they told me I’m ineligible. did they change the time (4-5 business days) frame to wait when downgrading before applying?
Branches make you wait a month after downgrading.
Online it’s 3-4 days.
Thanks Dan!!
Hi Dan, Thanks so much for this offer & all informitave info. found here!
Applied & Got this Msg.: “We have received your request for a Chase credit card. We’ll let you know our decision as soon as possible.
Thank you for choosing Chase.”
Should I call the number posted here, or wait and see?
Hey,
Does the 1.25 bonus work when you book travel related items and pay with the card?
For example if I pay for a hotel, would I be able to use the points at a 1.25 rate to pay back the card?
The hotel isn’t available on Chase Travel but it is directly from their site.
You can try calling. But the best thing to do is probably to pay yourself back for dining/groceries/home improvement as that’s an even higher rate than 1.25 and use that to offset what you pay in cash for the hotel.
Chase said they will get back to me when they have a decision…. What should I do now? Hope for the best? Or call (these reps which you mention – just call chase?) ?
YMMV, no right answer for that.
I was told the same thing a month ago. I kept calling and was told the fraud department needed to verify my application though the hold time is 2+ hours. They don’t do outbound calls and don’t have access to emails. Tried again 9AM this morning and waited 20 minutes for a fraud rep. At the end of the call, I was approved.
Dan, dad waited 5 business days after downgrading. Got the reviewing application comment. He called they said no info must wait up to 30 days. He’s under 5/24 and checks every box after that. Very confusing. Told him to call again Monday…thoughts?
100k bonus points showed up. Do you have any thoughts as to how long to change my Freedom back to the Preferred (which I downgraded to get this card)? Thanks for the link and discussion.
Anytime.
What can I do if they close my credit account and they don’t telling me the reason?
I got denied ” You already have a sapphire branded card with us” can i downgrade that card and ask for reconsideration?
You can downgrade, wait 3 days, and apply again.
I’m supposed to get charged my annual fee in feb/22, and my $300 credit renews in January. Is it worth waiting to get that credit and then downgrade and apply for the preferred? Or should I downgrade now and apply?
Used the link thanks. Downgraded reserve to freedom. If I want to upgrade again to reserve, am I better off upgrading a different freedom card? Will that card get the $300 travel?
thought was supposed to end the 17, what happened
I never said that.
Dan , my Chase cards were closed 2 and a half years ago. All subsequent CC requests were rejected immediately. Last week, I opened a Chase checking account, funded it with $5,000, and applied for the Sapphire card. I just got approved.
Awesome!
Quick q. I want to go to uk for sukkot. I have 220k sapphire preferred but I can’t find any decent flights on chase travel. Is it worth my while to transfer them to avios and fly with aer lingus who have best prices?
I once had something similar, and recreated the booking I wanted on ITA Matrix, then called Chase and had them book it using my points for the exact same price. It was a bit of a pain but it worked.
Hi when is this offer ending??
Unknown.
Followed all the instructions, applied for my wife, she got approved immediately, thanks Dan!
Congrats!
In my account, I see 3 Current redemption categories for the “Pay Yourself Back” option:
Internet, cable and phone services, at +10% and 2 charities at +25%
In this post it says: dining, grocery store, or home improvement. Is that an error, or will I see the option to redeem for one of those categories once I actually make a charge in those categories?
You’re looking at Freedom, not Sapphire Preferred.
Approved thank you Dan!
If I apply for another card today will it combine into one pull? Or do they have to be simultaneously?
If yes do you have a good candidates for a 2nd card?
Typically yes on the same day.
United quest?
https://www.dansdeals.com/credit-cards/earn-100000-miles-brand-new-chase-united-quest-card-plus-get-2-free-checked-bags-rebates-paid-award-tickets/
Not big on United.
Maybe I’ll pick up a Ink, do they also combine business and personal to one pull?
Any other offers I’m missing?
YMMV on business/consumer. Ink offers are strong.
https://www.dansdeals.com/credit-cards/get-highest-signup-bonus-ever-no-annual-fee-chase-ink-cash-chase-ink-unlimited-cards/
https://www.dansdeals.com/credit-cards/highest-public-offer-ever-chase-ink-preferred-now-offering-whopping-100000-ultimate-rewards-point-signup-bonus/
Freedom/Freedom Unlimited are good if you want grocery 5x:
https://www.dansdeals.com/credit-cards/create-quinfecta-signup-chase-freedom-flex-freedom-unlimited-get-20k-points-plus-earn-5-9-points-groceries-year/
Ended up going with the CIC. Thank you!
Can you apply for 2 cards in days?
Question:
Was in Chase bank today, asked them to downgrade my card. They told me I can “but because of a credit issue you have had on your account in the past, once you downgrade, you may not be able to upgrade the card back into the reserve”.
Is that possible?
Or Fake news?
Yet to hear from someone who couldn’t upgrade back. There is no credit pull to upgrade.
Hi Dan, downgraded my reserve on 7.15, I am
Eligible for a preferred based on the post, do you think I am good to go to apply?
Yes.
Does anyone know if the $95 annual fee counts towards the $4,000 spend? Also how soon after finishing the spend should the point appear? I already passed 4K and no points so wondering if that’s because I counted the annual fee…
It does not.
It will post at statement close after the spend is complete.
I got an email about this card they told me I have until august 27th to apply I’m not sure if that means that’s when the offer will end.
So after 3 hours on hold to speak to someone in the verification department I got approved. This hold was longer than the IRS!!
Does anyone know if I use pay yourself back do those purchases count toward the 4k?
They do.
Thank you for contacting us. l, even if you use the pay yourself back feature towards a posted purchase on the account, that purchase will be counted towards the spend threshold. You’ll receive 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. You’ll be eligible for the bonus as long as: – You haven’t received a new cardmember bonus on this account in the past 48 months. – Your account is open and not in default when we post the bonus. Purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. We appreciate you being a Chase customer. Thank you, Janet Chase Email Servicing 1-800-493-3319
How long does it take to receive points ?
You’ll get the bonus on the statement after you meet the threshold.
I have an excellent credit score and earn over 350K and haven’t opened up a card in > 2 years, but was denied. Could it be because my current available Chase credit is too high from the other chase cards?
Call Chase and offer to shift credit around.
Can I call now or do I have to wait for the official denial in the mail or email?
888-338-2586. You can call now.
I applied online, got an on-screen “offer no longer available” message. I then clicked the back arrow and saw a message saying that my application had been received but nothing about whether it was approved or even when I’ll be informed. I then called the application status line and got the “2 weeks message”. It took more than a week from my application for that message to change to “you’ve been approved”. Generally the “2 weeks” message means you’ve been approved (or will be), so whoever gets that message would be better off not rocking the boat by calling.
Also forgot to add that interestingly, in my case, Chase actually moved around credit to approve my application without me asking. I applied a bit more than a week after downgrading CSR.
rejected because i have a sapphire reserve. not sure why everyone is so excited
Denied due to having a different Spphire card.
Please put this in the body of the actual offer so everyone could see.
I was really excited about the 100K
What do you do that earns so much?
just look at his name he’s probably JP Morgan
I got approved for this card. Can I upgrade to the Reserve even before doing the 4K spend?
Yes.
Hi Dan, I downgraded my resserve card on Thursday the 22nd, When should I apply?
Thanks so much!!
3 days from downgrade.
I applied and was denied due to “lack of comparable credit lines”. I tried HUCA, but the second agent saw in the system I had already called and asked if I had something to add that I had not told the previous agent. Any ideas?
Don’t have any other cards open? Apply for something else?
Hi Dan
Thanks for a great site!
If I currently have 2 Chase cards- my most recent 1 I got 4 months ago, would that be a problem to get approved for this 1? Will Chase not approve me because of this?
I’m under 5/24
Not a problem.
Hi dan, I Downgraded my resserve card on the 22nd, applied today and got this msg.: “Thank you for your request.
We need to review your request a little longer. We will let you know of our decision as soon as possible.
Thank you for choosing the Chase Sapphire Preferred Card.”
Should I call the number you offered here?
You can.
can i transfer american express points to hyatt ?
No, just Chase.
I have a flight booked using CSR Chase Portal at 1.5x. I want to downgrade so that I can apply to CSP, there shouldn’t be any issues with that flight/reservation right?
No issue.
applied for the card they said will notify me within 30 days then notice i underwriten my income in application should i call in or just wait for answer
Either way.
Any recommendations when I call chase recon? I got declined before I don’t have long enough credit history, but my my credit score is high (over 770) and I’ve been a authorized user for a while now.
Update: I called the chase recon and argued that I was an authorized user under my parents for a while and I was responsible for that card, and a few other details and I got approved. Short convo and nice lady.
Congrats!
Hi Dan
I got denied with the excuse that they already offering the most of credit they could offer me,
I have $22k credit with chase, $17k in business and $5k in personal,
Is it anything I could do to get approved?
Tell them to transfer some credit from another card
On my personal i only have $5K and they saying i need at least $10k,
From business they saying they cant move to personal
how long does it take to receive a response from them I applied together with 2 other friends over 2 weeks ago none of us got any response yet ??????????????
Call Chase?
Got the csp 100k signup bonus and downgraded to freedom unlimited. Am i able to get the sapphire preferred again to get another 100k?
When did you get the 100K bonus?
like 4 weeks ago
I applied and still had another sapphire. Got denied. I downgraded the old card.
Should I apply again? Call for recon?
How long should I wait?
Thank you
Apply again after 3 days.
Not sure if my original post went through- Am I still eligible for the 100k if I dont spend 4k before the promo ends, or will I still have 3 months?
You will still have 3 months.
BH Just got approved!
Thanks so much Dan for your best & clear guidance!!
I downgraded my resserve, do I have to wait , & how to reupgrade it I have travel plans coming up,
Thanks again Dan!!
Congrats!
You can upgrade at any time.
I downgraded my Sapphire reserve on July 27 and today (the 30th) I got approved for this offer, thanks Dan for the guidance.
Congrats!
Is the 100,000 points like $100,000 and we can spend it on anything?
https://www.dansdeals.com/credit-cards/22-awesome-ways-redeem-100000-chase-ultimate-rewards-points-can-earn-opening-just-one-credit-card/
Is there a annual fee charge 1st year
And if I add s additional user will he loose the offer in the future??
Yes.
No.
Can I still sign up for this?
Is the catch for this deal the cash value of the points or something else?
Are you opening up for you and your wife or just one card?
Yes.
You can get cash or travel.
Sure, absolutely do both.
סליחה על העם-הארצות
Can our 18 yr old Yeshiva bochur be eligible? No income, no checking account, never yet had a cc?
applied for the card and when calling in to see the status if approved its every time saying other thing first approved then still under review for 2 weeks then 7 to 10 going back in forth anybody had this?
I downgraded by CSR yesterday, I requested for a prorated credit if annual fee for the remaining 4 months but was denied.. Any data points on that?
The credit is automatic if you downgrade.
Is this a good business card?
This is a consumer card.
I earned my last bonus on a billing cycle dating 8/26/17 – 9/26/17. What is the earliest date that I should reapply? (I can technically downgrade the card to a freedom now so that I don’t have to wait 3-4 days).
I don’t think it will approve you until 9/27/21, but there’s no harm in trying early and see what happens.
If you’re approved you’ll get the bonus. If you’re rejected for not yet being eligible, it should not pull your credit.
Can i get this bonus for upgrading my freedom flex?
No, you need to apply for a new card to get a bonus.
I would like to apply for this and for the united business. Should i submit with 2 browsers? one after other? The joke is still around?
if i got denied and only call up the reconsideration line after the offer ends am i still eligible for the sign up because the origanal application was when it was sill ongoing
Yes
How long does it take to get the bonus points?
They will be on the statement after you complete the spending.
although been a long term chase card holder, they request now state ID proof of address etc. uploaded to rep, and was rejected as it expired. paid for suplicate of non expired state ID – who is best to offer it to? same recond guy (who is now also asking for a proof of SS), OR call and hope to get a better rep, or fax? dont know where my ss card is, dotn have any correspondence with them. where is best to re submit UN expired state ID?
update: was NOT a reconsideration or rejection, was only ID verification unit due to move from another state. first rep was a dude. next one was intelligent and quickly resolved. Thank you. So whats the hotel credit attached to offer? how much? use by what time froame from approval?
I want to cancel my chase sapphire card so I don’t have to pay for another year of membership- how can I transfer my points over to my husband’s sapphire card if his card is under his name and another chase account?
Why did Chase give me a 1099 for having this card? Are these bonus points taxable?
I recall reading many times of a supreme court case which said these arent taxable. Why did i receive a 1099 for $1000? Plz help Dan