Sign-Up Now for 100,000 Points with the Chase Sapphire Reserve!

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This is the highest public sign-up bonus I’ve ever seen on a card that earns Chase Ultimate Rewards points!

Chase Sapphire Reserve

Chase Sapphire Reserve

The Chase Sapphire Reserve Bonus of 100,000 Chase Ultimate Rewards Points Is Enough for 2 Round-Trip Tickets to Hawaii! Or Transfer Your Points to Hyatt for an Amazing Award Stay

You can earn 100,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first 3 months after opening your account.  That’s worth $1,500 in travel when you redeem through the Chase Ultimate Rewards Travel Portal.  And potentially worth even more if you transfer points to airline and hotel partners like Hyatt or Southwest.

I’ll explain why this is a terrific card for folks looking to earn Big Travel!

 Chase Sapphire Reserve Perks

Link:   Chase Sapphire Reserve

When you open the Chase Sapphire Reserve card, you’ll earn 100,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first 3 months from account opening.  You’ll also get:

  • 3X Chase Ultimate Rewards points on travel & dining
  • 1X Chase Ultimate Rewards points on all other purchases
  • $300 annual credit for travel purchases such as airfare and hotels
  • $100 statement credit for Global Entry
  • Priority Pass Select for access to airport lounges
  • No foreign transaction fees
  • Visa Infinite benefits like $25 food and beverage credit at the Luxury Hotel Collection and complimentary car rental elite status with Silvercar

The card has a $450 annual fee, which is NOT waived for the first year.  But the annual travel credit and airport lounge access can more than offset the annual fee!

What Can You Do With 100,000 Chase Ultimate Rewards Points?

Just like the Chase Sapphire Preferred and Ink Plus, you’ll be able to transfer the Chase Ultimate Rewards points you earn with the Chase Sapphire Reserve to great travel partners at a 1:1 ratio.  There’s no fee for points transfers.  And they’re usually instant!  Chase Ultimate Rewards points are my favorite kind of points!

Plus, when you have the Chase Sapphire Reserve, you can transfer the points you’ve earned with the Chase Freedom, Freedom Unlimited, or Chase Ink Cash to partner airlines and hotels like Flying Blue, Hyatt, Southwest, and United Airlines.

Chase Sapphire Reserve

It’s Great to Have a New Way to Earn Chase Ultimate Rewards Points, Which Is My Favorite Points Program!

Earning flexible points is the easiest way to get Big Travel with Small Money.

Note:   Once you transfer your Chase Ultimate Rewards points to travel partners, you can NOT transfer them back.

In the next few days, I’ll show you some terrific ways you can use the 100,000 Chase Ultimate Rewards points sign-up bonus.  Because there are so many options!  For example you can get:

Chase Sapphire Reserve

Pack Your Bags! With 100,000 Chase Ultimate Rewards Points, You’ll Have So Many Travel Options, Including Flying Singapore Airlines First Class Suites!

Chase Sapphire Reserve – Should You Get This Card?

I’m very excited about the Chase Sapphire Reserve card.  Especially given recent negative changes announced on other premium cards like the Citi Prestige.

Here are the major perks and drawbacks of the card to consider before applying.

$300 Annual Airline & Hotel Credit

The annual airline and hotel credit is a new perk that’s not currently offered on any of the cards that earn Chase Ultimate Rewards points.

With the Chase Sapphire Reserve, you can spend $300 on qualifying travel, like airline and hotel purchases, and get $300 back each calendar year.

This is fantastic because you can earn the $300 in 2016 and get the $300 credit again in early 2017.  So you can earn $600 in travel credit with just 1 annual fee.

Earn Points Faster

If you like to spend on travel and dining, like I do, you can easily earn more points with the Chase Sapphire Reserve for free travel.  That’s because you’ll earn 3X Chase Ultimate Rewards points in these categories.

I also like the 3X travel bonus category is broadly defined as:

Airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges, and highways, and parking lots and garages

So you don’t just have to book airfare to earn the 3X bonus points!

High Annual Fee

The card has a $450 annual fee that’s NOT waived the first year.

But, you can easily offset the annual fee with credits and perks you’ll get like:

  • $300 travel credit each calendar year for travel purchases such as airfare and hotels
  • $100 statement credit for Global Entry
  • Airport lounge access with Priority Pass Select

Large Sign-Up Bonus

The easiest way to earn miles and points for Big Travel with Small Money is from credit card signup bonuses. 

So the 100,000 Chase Ultimate Rewards point sign-up bonus can definitely go a long way towards Big Travel.  Especially if you transfer points to airline and hotel partners like Hyatt or Southwest.

The sign-up bonus is double what you get on the Chase Sapphire Preferred card.  But the Chase Sapphire Preferred has no annual fee the first year, which is one of the reasons it’s my favorite card for beginners getting into miles and points!

50% Bonus for Travel Booked Through Chase Portal

You can use the Chase Ultimate Rewards travel portal to book flights, hotels, and rental cars for less using Chase Sapphire Reserve points.  That’s because they’re worth 1.50 cents each when redeemed for travel.

So you’ll get $1,500 worth of travel with the 100,000 points you earn with the Chase Sapphire Reserve.  And you can combine points from other cards like the Chase Freedom to still get the higher redemption value!

Plus, you don’t have to worry about blackout dates or finding award seats.  And you’ll still earn miles for your flight!  Just be sure to check the price on other sites so you’re getting the best deal!

Tougher Chase Application Rules

I was hopeful this card would NOT impacted by Chase’s tighter application rules.  That is, if you’ve applied for ~5+ cards from any bank (except these business cards) in the past 24 months, it’s unlikely you’ll be approved for most Chase cards.

Now, folks on Reddit report being having their Chase Sapphire Reserve application denied for having more than 5 new cards in the past 24 months.  But there’s no official word from Chase.

The other Chase cards that earn Ultimate Rewards points like the Chase FreedomChase Sapphire Preferred, and Chase Freedom Unlimited have also been harder to get since the new rules took effect.

But recently, folks with many new recent credit card accounts have been getting approved for the new Chase Ritz-Carlton card.

If you apply for the Chase Sapphire Reserve card, please share your experience in the comments!

Chase Sapphire Reserve – Bottom Line

The new Chase Sapphire Reserve card is available and has an amazing sign-up bonus and perks.  You can earn 100,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first 3 months after opening your account.  And use these points for Big Travel on airline and hotel transfer partners like Hyatt, Flying Blue, or Southwest.

You’ll also earn points faster with this card because you’ll get 3X Chase Ultimate Rewards points on travel & dining purchases.

Plus, you’ll get a $300 annual credit each calendar year for travel purchases, including hotel and airline spending.  This is a great perk to cancel out the card’s $450 annual fee.

Early reports suggest this card is included in Chase’s tighter application rules.  Please share your experience in the comments if you apply!

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93 responses to “Sign-Up Now for 100,000 Points with the Chase Sapphire Reserve!

  1. Thanks for posting a link directing us to the Reddit thread. The landing page doesn’t mention a 100K bonus and I didn’t see it in the T&C. Can any one confirm that there is a 100K bonus? I think I will hold off until I see more info and confirm the bonus.

  2. Is there a way to tell if you signed up for 5 cards already? I don’t remember.

  3. Thanks, (you posted this deal first:) Way to go and I just signed up

  4. Do gift cards from airlines count toward the $300 travel credit? Their online benefits guide doesn’t explicitly forbid them, but I feel like gift cards usually aren’t allowed for these types of things. Any thoughts?

    https://www.chase.com/card-benefits/sapphirereserve/travel

    Scroll down for the fine print on travel credit.

    $300 Annual Travel Credit: A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to $300 in statement credits annually (“annually” means the year beginning with your account open date through the first December statement date of that same year, and each 12 billing cycles starting after your December statement date through the following December statement date). Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count: 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, overdraft advances, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. We do not determine whether merchants correctly identify and bill transactions as being of a certain type. For more information about Chase rewards categories, see http://www.Chase.com/RewardsCategoryFAQs. Statement credit(s) will post to your account the same day your travel category purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Qualifying purchases made by authorized users on your account will be included in the $300 Annual Travel Credit. Maximum statement credit accumulation for the Annual Travel Credit is $300 annually. The Annual Travel Credit will be issued for the year in which the transaction posts to your account, through your December statement date. For example, if you pay for baggage fees, but the airline does not post the transaction until after your December statement date, the cost of the baggage fees will be allocated towards the following year’s Annual Travel Credit maximum of $300.

  5. love you have the CSP app on the bottom instead of CSR, trying to confused people eh?

  6. What’s the current situation with frequency restrictions from Chase. I’ve read not so long ago, that “…applications for cards that accrue Ultimate Rewards points have been automatically declined if you’ve opened five or more credit cards with any issuer over the previous 24 months. ”

    I just called Chase, and they said the restriction is if I have gotten a reward on the exact same credit card product in the last 24 months, I can’t do it again.

    Any idea which is true?

  7. Hi Daraius,

    Can the airline credit be used to buy a airline gift card, the same way with the amex platinum airline credit. I used mine before when i have the amex platinum to buy a southwest gift card which i used to buy a ticket somewhere later.

    Thanks,

  8. @Slim you can check through CreditKarma.com

    @Ted there are at least 8 links to the Sapphire Reserve in this post and every Chase product mentioned is linked but none have nearly as many links as the Sapphire Reserve.Furthermore when you click on the Chase pic at the bottom the site says quite clearly 50,000 points, I’d think that alone should give folks pause when they think they should be getting 100,000 points.

  9. Landing page and terms don’t mention 100,000 bonus – any evidence that link provides bonus?

  10. Got it under my wife’s credit since she was 3/24. Approved!

  11. @Mike Hodish – on the Reddit thread linked above it appears that this card is following the 5/24 rule, if you’ve opened 5 or more cards in the last 24 months you’ll likely be denied. It doesn’t seem to matter if they are Chase cards or not.

  12. Emily/Darius – how long do these offers typically last? Right now I’m sitting at 6/24, I’ll hit 5/24 and 4/24 in Dec. 🙁 It’s not likely to last all the way until then is it?

  13. Just applied and got a “Decision Pending.” Pretty sure I am under 5/24. Should I call Chase to speed things along, and if so does anybody know what number to call?

  14. Is there a reason my previous comment was deleted? I’d asked for comments regarding the use of the card’s $300 annual travel credit being used for airline gift cards.

  15. I noticed that there’s an additional annual fee of $75 for each additional card. Does anyone know if each card holder is eligible for the travel credits or if those are account-specific?

    BTW- This will be replacing my SPG card – benefits are waning and getting harder to use on that program.

  16. Went into branch today, got approved immediately for $16k limit. Complimentary expedited shipping to my office via UPS. Was at 3/24. Also got paper collateral specifying 100k points, etc. so if you can spend a few minutes in the branch I’d suggest it.

  17. I applied and was accepted right away. I know I applied and received a Preferred card within the past year. I was a little nervous about not seeing the bonus mentioned but I figure even without the bonus it seems like a pretty valuable card.

  18. Just applied in branch at Chase for the Sapphire Reserve card. I’m at least 7/24. The helpful gentleman confirmed I had a pre-approval. Pulled the trigger and was approved. So, I guess 5/24 isn’t always applied for this card. I don’t know if it was considered but I’ve had a Chase Sapphire Preferred for 4 years and indicated I would cancel it if I got this one.

  19. I was disapproved based on 5/24, after calling the recon line, and with 2 Chase cards opened in the last 24 months.

  20. There will never be an official word from Chase on this. Chase never publicly acknowledges 5/24.

  21. @Jonathan – I read a good bit of the Reddit thread linked above and it sounds like if you’re over 5/24 then the workarounds are either being a Chase Private Client or going into a branch and seeing if you’re pre-approved and applying that way.

  22. @Jonathan – per the Reddit thread linked above if you are at or above 5/24 the workarounds are either being Chase Private Bank client OR going into a branch, seeing if you’re preapproved for the card and if so applying that way. Glad it worked for you!

  23. Do these transfer to southwest at 1:1? Would they count towards a companion pass?

  24. There are multiple Redditors commenting that they are OVER 5/24 and are still getting approved. (Obviously lot are being disapproved).

    These are KNOWN facts about the 5/24 rule:
    You are less likely to get approved if you have 5 new accounts in 24 months.
    You are exempt if you are a Chase Private Client.

    SO the question of the 5/24 is still open to interpretation. And the following questions has to be answered about the 5/24 rule:
    Does store credit accounts count towards 5/24? (ie, Comenity, Macys, etc.)
    Does it matter if you apply on-line or in person?
    Does the credit accounts have to have rewards points attached to them?
    Does it matter if you have a very high income? Or lower CL to income ratio?
    Does it matter if you have a history of banking with Chase?
    Does it matter if you call the reconsideration line?

    These are unknown data that may be able to be figured out if someone takes the time to comb through the almost 10,000 comments on the reddit threads and try to parse these out.

    I am personally at 6/24.
    4/24 – Rewards cards (1 Chase, 3 Barclays)
    2/24 – Store cards (Zales, Kay Jewlers)

    So under the rule of “preventing churners/rewards people” I am ok with only 4/24 rewards cards….but I do have 6 new accounts total.

    We’ll see…..maybe if I have time I’ll comb through the reddit comments and see if I can come up with some pattern

  25. It’s not available on line yet but I went into to Chase and applied. They had to call for the approval but I got approved for $31000. So excited

  26. @Ming – I read a lot of the Reddit thread (I have not been a great employee today) and most agree that store accounts do NOT count towards the 5/24 so it sounds like you’ll be good!

    As I said in a comment above a workaround if you are at/above 5/24 regular cards seems to be going into a branch and seeing if you’re preapproved and applying that way. I’ll be doing that myself as I’m at 6/24.

    I’m amazed at some of the comments on Reddit, folks are at 16/24, 20/24, I even saw a 35/24! I don’t know how folks meet spends on all those cards, how they keep track of them, how they even find that many cards worth signing up for!

  27. Since you get a priority pass select with this card, are you able to bring a guest into the lounge with you?

  28. Responding to Adam: Unfortunately, it doesn’t go towards the companion pass on Southwest.

  29. Just want to tell others about my experience applying and to be wary. I just came back from a branch and was about to apply with the Chase rep but not before us calling CS to find out about a few specifics not mentioned on Chase’s website. During that call, the rep “corrected” me about the $300 credit saying that it won’t be applied until January 1st and is only valid until August (since I’m applying now). I pointed her to Chase’s website where it explicitly states it’s an annual benefit and by “annual” means beginning with your account open date through the first December statement date of that same year. She checked with her supervisor who vouched that it is membership year and NOT calendar year. Not to mention, she said that the Priority select membership is only for the first 6months. She said they have to go by what’s in the system and not what’s on THEIR website for terms and conditions. After a useless argument and wasting my time, I did not continue the application because I have to wonder what other benefits will CHASE not honor that’s published on their site. Which brings me to ask, are the issuers bound by terms and conditions on the site or what they say via phone?

  30. @Karen.

    GREAT! I’m glad store cards do not count. I just got another redditor commenting that SPECIFIC store cards that can only be used at that store does not count towards the 5/24 rule. So I am very happy about this.

    But I’ve also read lot of other people who really believe that ANY new credit accounts goes toward the 5/24 rule. So this gives me relief!
    I’ll likely apply soon for the CSR seeing as I am only 4/24.

    Yeah some of them are real crazy with the credit cards for people who have 10-15+.

    They probably are either very high income/spenders (unlikely) or they are simply doing manufactured spending (ie, using credit cards to buy cash-like items and converting back into cash to pay off the balance….ie using CC to buy a VIsa Goft Card that can then be used to buy a money order made out to their own bank account and then paying off the CC….etc.)

  31. As many are asking – Where does the 100k bonus language exist? Seems to me people are applying on good faith this bonus will be delivered.

    Can you clear the air Daraius/readers?

  32. @Nathan – Looks like 100k is a fairly sure thing. A redditor took photo of a in-branch published material on the CSR: http://imgur.com/a/DgJ4r

    Multiple people have also called Chase and verbal confirmation that 100k is there. It may not show up on-line pages yet…..

    @Sky – This is very concerning. You talked to just 1/2 people….so it is hard to say. There will be thousands (tens of thousands?) of people taking advantage of the $300 so they better clear it up.

    But as they say in business and all other areas in life….when you have something in print….that counts more than some “manager” he said or she said….the printed terms does say starting from account opening to December and yearly after that. Because if that is true…then there’ll be a HUGE storm of complaints in the next few months.

    I’m going to trust the printed material more than some random lower level bank worker’s word at this point….

  33. I ve called the Chase 800 # on the back of my card 3 times and each time the agent is unaware of the Chase Sapphire Reserve card and has no info on it. I was transferred to card applications twice and all they have is info on the Sapphire Preferred.

  34. @Ming: This is very concerning to me also because I really want the card but I’m not sure if I have the energy to argue about printed terms versus what their reps are told months after the fact. And will the complaints after the fact alleviate the situation or will they say, those were not the terms to begin with? In finer print, they have the right to edit terms as they choose so they could very well go back on some of these “too good to be true” benefits.
    To clarify, this wasn’t an average Joe rep in the bank, it was someone from the dedicated Chase Sapphire Reserve CS line. I’ve seen the much mentioned comments about the 100K sign up bonus but nothing in print officially. I have to question Chase’s reputation because this is a big deal.

  35. Does anyone know anything about downgrading a card product? I’m wondering if I can get this card and then downgrade it to a no-fee Freedom card after a year. I’ve done that with Amex but don’t know anything about doing it with Chase.

  36. @JDH – why? You could apply for the Freedom card and usually get another 20,000 UR points! If you downgrade/ upgrade your cards you do not get the sign on bonus. Unless you just want to minimize credit pulls?

  37. * Approved in branch (8985 Venice Blvd, Los Angeles, CA 90034).
    * Verified that I was pre-approved before applying. (I was.)
    * **6/24** (one of which was a Chase Hyatt opened August 2015, no other NEW Chase cards in the past 24 months)
    * NOT Chase Private Client
    * Actual FICO scores (not FAKO):
    * 774 Experian (pulled)
    * 791 TransUnion
    * 820 Equifax

    Cards and limits I had prior to applying:

    $15k Sapphire Preferred
    $5k Freedom (rotating categories)
    $5k Hyatt

    You’ll note the low limits. I’m not sure if it helped or not, but I lowered all my limits a few months ago just in case it would make a difference.

    I also have a checking account with Chase, but I only keep the minimum ($1500) in it in order to not get charged a monthly fee. No Chase savings account.

    I was approved for the Sapphire Reserve with a $35,000 limit. I even asked if he could expedite the card since I have a trip coming up on Saturday. He was happy to do so. I should see the card in a couple days.

    Oh, and here is the credit card disclosure I received after applying that shows the 100,000 point offer: http://imgur.com/a/V9ywI

    I’m grinning like a fool. 🙂 🙂 🙂

  38. Was denied for the CSR this morning. Spent and hour on the phone with them, and had decision escalated. Rep said I was at 9 new cards in the last 24 months, and that the system automatically denies the application and they do not have the ability to reconsider it. Inquired about upgrading, my current Sapphire to the Reserve but they do not have that ability / offer as of today.

    With other claiming to be approved with higher, card numbers, I am tempted to just keep applying or wait until Sept 1 and re apply.

  39. If you already have pre-approved status does Chase still do a hard credit inquiry/check?

  40. I want to clarify, if I spend say $1300 on airlines or hotel using Chase Reserve and get credit for $300, in regards to meeting minimum spend of $4,000 will it be $1300 counted on my spend or only $1,000.

  41. @Slim – Here’s a post on how to find your credit card open dates: http://millionmilesecrets.com/2016/05/08/lost-track-easily-find-out-credit-card-open-close-dates/

    @Mike – There’s no official word from Chase. But folks are reporting getting denied for the Chase Sapphire Reserve if they’ve had 5 or more credit card account (from any bank) in the past 24 months. Here’s a post about Chase’s tougher application rules: http://millionmilesecrets.com/2015/06/18/new-rules-for-chase-credit-card-approvals-what-to-do-about-it/

    @Joe – Congrats on getting the card! Very exciting!

    @Karen – There’s no word from Chase on how long this offer will last.

    @steve – The $300 annual travel credit is only good for the primary cardholder.

    @Adam – You can transfer Chase Ultimate Rewards points earned on the Sapphire Reserve 1:1 to Southwest. But these points will not count towards earning the Companion Pass.

    @Khad Young – Congrats! And thank you for sharing your experience!

  42. 9/24,, applied online,, CPC, instant approval 33k limit…

  43. I unfortunately did not know about this CC coming out and I recently just got the Sapphire CC (arrived today, in the mail, 8/22/16). I also got the Marriott CC in early May.

    How long should I wait until I submit an application? I am itching to try but I fear rejection and I only have 2 more slots open before I hit the 5/24 rule.

  44. I went to a Chase Branch because I read you’d have more a chance of being approved. Rep knew less than I did about the card. And it would have been faster doing it myself. She couldn’t tell me if I’d be approved, etc. Waste of time. Then she tried to get me to transfer checking, savings, investments from other financial institutions. Oh yeah, I feel comfortable working with someone who doesn’t even know their own product as well as a customer.

    In the past, they’ve denied me because they said I opened more than 5 but I didn’t. They counted the cards my husband opened and I was an authorized user on. I pointed this out to them and then got approved. I was hoping to avoid this with this go-around but I have a feeling I’ll still have to call after wasting time at a brick & mortar Chase last night.

    By the way, if you want an authorized user on the Reserve card, it’ll cost you an additional $75. Don’t see the reasoning in that–don’t they want you to put more $ on the card?

  45. The card might be worth converting a card for a year. I might try that since I am over 5/24 and I was turned down from Chase in the last few months. The $300 credits for 2 years will cover the $450 and I like the 1.5 cents per point at UR Travel and 3x Travel and Dining.

  46. @hwan because you’re CPC. 5/24 doesn’t matter for Chase Private Clients.

  47. Just called Lending Team line. Yes, they were using the cards I was an authorized user on as towards the 5. Got them to reconsider and I was approved but they said they can’t expedite and I have a big ticket item I have to purchase by end of month. Oh well, I’m still doing my happy dance.

  48. @hwan – Congrats! Thanks for sharing your experience!

    @Cory – It depends. Because you have 2 recent Chase personal credit cards, you might want to wait a few months before applying for a new card.

    @Shirley – You’re right. Some folks have been getting approved for the Sapphire Reserve by going to a local Chase bank branch and asking if they’re pre-approved for the card in Chase’s system.

    @Liz – The 3X Chase Ultimate Rewards points on travel and dining purchases is a great perk.

  49. I just applied and was approved (YAY!!!!)
    anyway after that the screen showed the list of card benefits and I copied this:

    $300 Annual Travel Credit: A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to $300 in statement credits annually (“annually” means the year beginning with your account open date through the first December statement date of that same year, and each 12 billing cycles starting after your December statement date through the following December statement date). Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count: 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, overdraft advances, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. We do not determine whether merchants correctly identify and bill transactions as being of a certain type. For more information about Chase rewards categories, see http://www.Chase.com/RewardsCategoryFAQs. Statement credit(s) will post to your account the same day your travel category purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Qualifying purchases made by authorized users on your account will be included in the $300 Annual Travel Credit. Maximum statement credit accumulation for the Annual Travel Credit is $300 annually. The Annual Travel Credit will be issued for the year in which the transaction posts to your account, through your December statement date. For example, if you pay for baggage fees, but the airline does not post the transaction until after your December statement date, the cost of the baggage fees will be allocated towards the following year’s Annual Travel Credit maximum of $300.

    I feel that’s as clear as can be. No worries about what @Sky said about it not being for the first year.

    If I’m going to spend $450 AF you know I’m gonna make sure!!!

    Thanks MMS

  50. Can we move these points to Chase Sapphire preferred at the end of the year and those will count the same way the existing pts in that account count for travel? Thank you

  51. I have excellent card and haven’t opened a single chase card. Not sure why I wasn’t approved but got this screen

    Thank you for submitting a credit card application to Chase.

    Here’s what you can expect next:

    We’ll let you know of our decision through U.S. mail within the next 30 days. Please don’t resubmit this application while waiting for our decision.

    If we approve your application, we’ll send your card and other important information to you by U.S
    mail. Once you receive your card, call the number on the sticker right away so you can take advantage of everything your card has to offer.

    If we don’t approve your application, we’ll send you a letter explaining why.

    Thank you for applying for a Chase credit card

  52. In the previous post, I meant credit not card – that was a typo. Also the question about income was it household Income or personal income…I should have paid closer attention. I entered personal income. Could that have somethi to do with the not immediate approval? Should I contact chase and clarify or just wait and watch for 30 days?
    My husband has the chase preferred for the past 4 yrs not sure if that will help. Thank you.

  53. I applied for and was approved for this card. I have stellar credit and am a Chase Private Banking client. However, I was not given immediate approval. I had to have the bank call and confirm that I am a good client and there are no issues with giving me this card. It took 2 days to get approved after the bank submitted the application on my behalf. I asked my banker about the 5/24 rule after seeing many comments about it. She said it’s true but it was more for Chase cards applied for as compared to all credit card applications in the past 24 months. She was surprised I knew about that rule.

  54. @ Million Mile Secrets – Can you please provide an update/best practice for transferring these bonus points around to other partners, in order to land them at Southwest for Companion Pass qualification? Previously, I think the better option (though still not perfectly ideal) was to transfer them to Hyatt points, then to Southwest? And if so, can you confirm that this still works?
    Thanks!

  55. I just applied and got the “we will review further and let you know” screen. I am at 3/24, have excellent credit and I’m a Chase Bank customer in good standing. Do I just wait or is there another step to take? Call my bank, maybe?

  56. Rejected due to too many credit cards in the past 2 years. Maybe I need to become a Private Banking client? I am a sucker for $150 bonus on a $500 spend offer.

  57. Applied 8/25, got letter in mail to confirm more details, called their Fraud service line to confirm my ID and was approved during the call! I’ve heard of others applying at Chase branches and also getting approved on the spot.

  58. Can UR points be transferred to Hyatt and then transferred from Hyatt to SW? would this count for companion pass? Thanks

  59. Francisco C: Yes I did this and it works

  60. I applied the day it came out and got my welcome package with my card in 3 days in the mail. Already hit my 100k award.

  61. Dan, Can you confirm that the hyatt to SW points also counted towards the companion pass?
    I am def over 5/24 but just applied anyways to see what happens. Fico 824. We will see – if I get approved I will let ya’ll know!

  62. Can the annual fee for the Chase Sapphire Reserve card be waived for Chase Private Client customers?

  63. I was denied. Too many accounts opened with 24 months. I just checked my credit ereport and have opened 12 in the past 24 months so I guess I don’t blame them.

  64. Hi Darius,

    Looks like you would have applied for more than 5 cards in 24 months. How did you get approved? Do you get special consideration due to your work here on this great site?

    How can I improve my chances of getting this card if I have applied for about 10-15 cards in the last 24 months?

    Thanks,
    Deep

  65. I applied and was not approved. Went into my local Chase bank (I am a current customer) and the manager called and they moved some of the credit limits around on my current Chase cards. I got my new card in 2 days! Worth a trip into the branch for sure!

  66. I was over 5/24 and went to Chase branch to see if I was pre-approved and I was! Card in hand now.

    For those that have CSR, question on the $300 calendar year travel credit. We have no plans to travel between now and the end of the year, but don’t want to lose the $300 for this year. I’m thinking about buying a Southwest gift card on Southwest.com, and I’m wondering how Southwest (the merchant) will code the transaction when they send it through to Chase. Will it code as a travel purchase just like if I were to buy a flight so that I will be credited back on my statement using the $300 annual travel benefit?

    Thanks!

    Mark

  67. Hi there,

    Can I use this card to book hotels in Saudi Arabia. If not, then which card would be better to book hotels and buy plane tickets to Saudi Arabia and India. Please advise.

    Thanks,

    Sara

    • @Mark – That should work because Gift card purchases are coded as travel. And they are travel!

      @Sara – Yes, you could use the card to purchase travel in KSA. There are no foreign transaction fees either!

  68. I’m conflicted on this. 100k points is awesome, I already use the CSP, Ink bold, and freedom to combine chase points. However, the $450 might not be worth it. I don’t travel that much at all. We have a 9 month old so travel is very difficult, so I won’t be able to offset with airport lounges or travel credits. I know the 100k is worth more than $450 but I can’t justify that really. Unless I get the points then cancel it but I’m still out 450.

  69. It wasn’t easy to get the CSR, and I didn’t get it right away. First I applied online and was told that they would get back to me, and they did with an envelope in the mail saying, “Denied” because I had too many credit cards. ThenI went to the branch and had my personal banker go to bat for me, and she told the Chase rep that I had a credit score over 800, good salary, carried next to zero balances, and was a regular customer at the bank. After that pitch she asked for a ruling, only to get a my second ruling, “Denied”. Then she had me talk with the Chase representatives who said that the problem was that I had taken out ten credit cards in the last 24 months. I was surprised to find it was ten new cards. Not sure how I kept a lid on new credit card applications, but it was only ten. He listened to my pitch, and then I got my third decision, “DENIED”. I asked what could be done, and he said I could either wait a year or so, or I could become a Chase private banking client – which sounded expensive. SO I hung up and talked gain to my personal banker. Then I had an inspiration and asked if my wife could apply for it and I would pay $75 and be a secondary user. I thought there would be a problem since while my wife has excellent credit score and is employed, she does not have a large income. Turns out that as long as we were both over 21 and as long as we “relied’ on each other financially, this would be an option. Then my personal banker clicked in the information on her PC, hit the return key, and in a millisecond the word that I was looking for came across the screen, “Approved”. So that was all it took.

  70. @Kyle – you could always consider this card getting you 55,000 points with the annual fee being waived the first year – simply cash out 45,000 points when you get the bonus and pay yourself back the fee. 55,000 UR points is a big deal.

    • thanks, I went ahead and bit the bullet and got it. They had to review it and move some credit from my CSP. I have the freedom, business ink, business marriott, freedom, CSP and now CSR. And a chase auto loan.

      I might keep it and downgrade my CSP to the freedom unlimited, or cancel the reserve after a while and go back to the CSP, not sure.

  71. Can you get the Chase Sapphire Preferred AND the Reserve? Get 50k bonus on Preferred AND 100k bonus on Reserve?

  72. Can the Sapphire Reserve or even Sapphire Preferred be downgraded after 1 year to a non fee card, such as the Chase Freedom?

  73. Just got the Sapphire Reserve for my wife. Signed up on a Monday, got instant approval, got the card on Wednesday. She has no income. I just said “Household income” as her “other” income. Funny thing is I did the same thing for the Sapphire Preferred except the approval wasn’t instant…it took a week or so.

  74. My husband has had the chase sapphire preferred card for past 2 months and had met the spending requirements. I just got approved for my own card and expect to meet spending requirements in next 2 months. Was thinking about upgrading to chase sapphire reserve card but not sure if this is the right time to do it or wait until annual fee starts for our chase sapphire preferred. Also looking for a separate credit to be used only for business expenses. Should I look into the united card so we can accumulate more miles or is there a way I can separate personal vs business expenses under one card (prefer to keep things simple). TIA.

    • If you upgrade the Sapphire Preferred to Sapphire Reserve, you won’t get the sign-up bonus. I’d wait and get either the Sapphire Reserve or the Ink Preferred (business) if you’d like more Ultimate Rewards points (which you can then transfer to United)

  75. Cannot find area to apply for this card

    Have I overlooked it?

  76. Just wanted to share this DP

    I applied for the CSR in August and was denied for too many new credit cards…I was at 6/24 with 780+ FICO, $250k+ income and ~$10k in a Chase checking account. Also had three other Chase cards. After receiving a “application is under review” notice then denial, I tried the reconsideration line several times but never had any success getting a reversal.

    One of my cards rolled off the 24 month window in October, putting me at 5/24. A friend of mine whose relative works as a Chase private banker said that after being denied for a Chase card, you cannot be pre-approved for 6 months.. I checked several times online for pre-approval and never received it. Last week, however, I went into a Chase branch and was pre-approved! I applied, was approved and the card was showing in my online account within minutes.

    So if you got denied, try the in-branch pre-approval process. It worked for me despite being told it was unlikely or even impossible.

  77. I am a Chase checking account customer. In the email string there is mentioning that it could be of advantage to go to a Chase branch to confirm that one is pre-approved. Question: In order that they can provide pre-approval, do they need to go into your credit verification which will become an entry in your credit report and therefore will increase my x/24 to (x+1)/24 ??

  78. Applied at a Chase branch Oct 4 and had the card in hand Oct 8. Also got an authorized user card for my mother. Approved with 805 FICO and $76K income with $23K CL. I also have a CSP card (had it for about a year now)–I transferred $10K of credit line to Reserve. I’ve decided to keep my CSP card for now.

    The $300 travel credit appeared immediately–stayed at Marriott property and the credit appeared the next day. The $450 annual fee and the $75 authorized user fee also appeared on my first statement.

    I received my Priority Pass cards (for mom and me) rather quickly which will come in handy this weekend since the family is off to Walt Disney World–will access the lounge at LAX. The Visa Infinite Concierge is an excellent perk–they were able to make “impossible” dinner reservations for a Walt Disney World restaurant during Thanksgiving week. They are awesome!

    Since I met the $4000 minimum, The 100,000 bonus points will appear on my November statement.

    So far, I have no complaints about this card. The $450 annual fee is well worth the benefits since I travel monthly and use this card for all my expenses including monthly bills.

  79. Went in to a Chase branch and checked if I was pre-approved, I was. Had a chat with banker and explained to her I’ve just now got my credit up (TU=796; EF=794; EX=785) and that I didn’t want to get a hard pull on my credit for an instant denial because I’m over 5/24 (I’m actually at 6/24). She was confused and said there was no such rule. She called approval dept. and let me talk to them who, also said there was no such rule. The banker googled “Chase 5/24 and was shocked to see all of the info that came up. She then called an approval specialist and we got the same run around, “there is no 5/24 and we can’t tell you if you’re approved until you enter your SSN”. Then she called a “truth in lending” specialist and we got the EXACT same speech. She called an approval specialist that she had a good relationship with and told her that my credit was at 800 and that I was a chase client (NOT private client), the lady said I stood a really good chance so I bit the bullet. Instant approval with a $25K CL. All praise and glory be to God!!!

  80. “100,000 miles equals $1,500+ worth of travel booked through the Chase Ultimate Rewards Travel Portal”

    What am I missing?

    On my Reserve and Sapphire accounts, travel booked through their portal is calculated at $1.20 per 100 miles, not $1.50 per 100 miles.

    Please clarify.

    Thx