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We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.
This page may include: credit card ads that we may be paid for (“advertiser listing”); and general information about credit card products (“editorial content”). Many, but not all, of the offers and clickable hyperlinks (such as a “Apply Now” button or “Learn More” button) that appear on this site are from companies that compensate us. When you click on that hyperlink or button, you may be directed to the credit card issuer’s website where you can review the terms and conditions for your selected offer. Each advertiser is responsible for the accuracy and availability of its ad offer details, but we attempt to verify those offer details. We have partnerships with advertisers such as Brex, Capital One, Chase, Citi, Wells Fargo and Discover. We also include editorial content to educate consumers about financial products and services. Some of that content may also contain ads, including links to advertisers’ sites, and we may be paid on those ads or links.
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Chase is giving 115 days to earn sign-up bonuses. I just got a Chase Sapphire Preferred on September 18, 2017, and I have until January 11, 2018, to hit my $4,000 in minimum spending.
A Longer Than Expected Time to Meet Minimum Spending Requirements Makes a Lot of Folks Happy!
With so many readers having similar experiences, is 115 days to earn your Chase credit card sign-up bonus the new normal?
Chase Says You Can Take 115 Days to Earn a Sign-up Bonus
Million Mile Secrets team member Jason had a similar experience with Chase about a recently opened Chase Sapphire Preferred card.
The Terms Say You Have 3 Months to Meet the Minimum Spending on New Chase Card Accounts, but Many Folks Report Actually Having 115 DaysIn a secure message,Chase responded he had 3 months to meet the minimum spending of $4,000. AND also wrote he has until December 31, 2017, to meet the minimum spending requirement, which is 115 days from his account approval on September 7, 2017.
Jason spoke with 2 Chase representatives who reiterated the 3-month term to earn the bonus. When he mentioned the secure message he received neither of the phone representatives were aware of a 115-day minimum spending period. He messaged Chase again asking for clarification and got this message:
If You Want 115 Days to Complete Minimum Spending Requirements, Message Chase to Get It in Writing
It’s possible Chase has an additional 25-day grace period built into their system. But this is NOT advertised to the public (or their phone representatives). This wouldn’t be the first time a bank has made an unadvertised change. There were rumors of Chase denying credit card applications long before the “5/24” rule was confirmed.
This is excellent news because it means you have more time to put spending on your new Chase cards. And that could help many folks who don’t make lots of purchases each month!
Meet the Minimum Spending Requirement as Soon as Possible
This is potentially fantastic news, especially if you’re trying to earn the Southwest Companion Pass for the next 2 years. BUT, until Chase officially confirms the 115-day period, I generally encourage folks to meet the minimum spending sooner than later.
Avoid Potential Headaches by Meeting Your Minimum Spending Requirement as Soon as You Can
If you need the extra time, send Chase a secure message and ask for the specific date you need to meet your spending requirements. If the response is confusing, ask for clarification.
Even if you can get 115 days confirmed in writing, some banks will have no sympathy if you miss the cut-off date. Do yourself a favor, and get the spending done early so you won’t have to follow-up with lengthy calls or emails.
Don’t Forget the 5/24 Rule!
While it’s great you may possibly have additional time to meet your minimum spending requirement, keep the Chase “5/24” rule in mind!
Many folks are reporting Chase is giving them 115 days to meet minimum spending requirements. BUT, the terms & conditions (and Chase phone representatives) still say you have 3 months from account opening. When in doubt, it’s always best to follow the terms & conditions.
If you need extra time to spend on your card, it’s worth sending Chase a secure message. And ask what date you need to complete your minimum spending by.
You might be able to get the 115-day period confirmed in writing. But even that is no guarantee it will actually be honored. So I recommend meeting your minimum spending requirements as soon as you can to avoid potential headaches!
Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)
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