Chase Offering 0% Interest on Purchases, Just In Time for the Holiday Shopping Season (Targeted)

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Chase Offering 0% Interest on Purchases, Just In Time for the Holiday Shopping Season (Targeted)

MeghanChase Offering 0% Interest on Purchases, Just In Time for the Holiday Shopping Season (Targeted)Million Mile Secrets Team

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I just got an interesting offer via email where after enrolling I can get 0% interest on purchases from November 1, 2018, through May 2019 with my Chase Sapphire Reserve card (after that a variable APR of 19.24% to 26.24% applies).  But folks with other Chase cards are being targeted with similar offers.

We don’t normally recommend offers like this unless you have a particular goal and strategy to pay it off in place.  Because any interest you may end up paying will negate the value of the rewards you earn.  And carrying a balance will negatively impact your credit score.

The Impending Snowy Season Has Me Dreaming of a Tropical Vacation.  So I’m Doing Everything I Can to Grow My Stash of Chase Ultimate Rewards Points!

Enrolling is easy, much like signing up for other credit card spending offers.  To see if you’re targeted check your email.

After registering you’ll get 0% interest on purchases made between November 1, 2018, and when your May 2019 statement closes.

Others are also reporting being targeted for similar offers on varying Chase cards, including the Chase Freedom and the Chase Sapphire Preferred.

Offers Like These Are Basically an Interest-Free Loan If You Pay It Off Before the End of the Promotional Period

I’m guessing Chase is sending out these offers because the holiday shopping season is just around the corner.  And if you have big purchases coming up, it could make sense to at least enroll even if you don’t plan on utilizing the deal.  And you’ll be earning valuable Chase Ultimate Rewards points on your purchases too!

Did you get any targeted offers?  Share them with us in the comments!

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

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Darn! I received this offer, but on a card that sits in the drawer because it’s not an Ultimate Rewards card.

I received a 7.99% offer on my freedom card. This is actually the first offer I’ve received since I opened the card a few years ago.

I actually can’t remember the last time I’ve received a targeted offer in the mail from Chase!

I just received an offer from Chase on my Marriott card to upgrade it to the Marriott Premier card and I would receive 50,000 points after first purchase with card by 12/31/2018 and the new card has $95 dollar fee opposed to $85 for old card. The thing is previous offer I was given several months ago was only for 20,000 points. Just wondering if with all the changes to the Marriott program with points, category’s and high/ low season if people with the old Marriott card have a case with Chase being able to use the free night award? I know the new card offers 35k vs 25k but with high/low season the standard cat 4 or 5 would only be available half the year for redemption. Any thoughts other than take the 50k points and run?

Well yeah, the strategy is “just have the money already”. I don’t ever carry a balance, but I’m carrying one on the Ink Cash right now, because… why not? That 3 grand sitting in a bank for a year is an extra 50ish bucks in interest. Sadly, I have not received any such targeted email. I never get any of the fun targeted emails. 🙁

Yes, it could be a nice arbitrage if you’re savvy!