Chase Freedom’s Official Terms Might Be Good News for Some

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I was reviewing the Chase Freedom application today for their limited time increased bonus offer and noticed some different language in the terms and conditions.  

In the past, the terms indicated that folks who’d previously had 1 of their card products were NOT eligible to get the sign-up bonus again.

What’s New With the Chase Freedom?

Link:   Chase Freedom

The terms and conditions (click on “Offer Details) for the Chase Freedom card now say:

This new cardmember bonus offer is not available to either (i) current cardmembers of this consumer credit card, or (ii) previous cardmembers of this consumer credit card who received a new cardmember bonus for this consumer credit card within the last 24 months.

In the past, the language has always said that you can get the bonus only once.  This was unfair to folks who had the card many years ago (say your 1st card in college!), and had cancelled the card, but wanted to get the card again.

While Chase may be getting more relaxed with their policy, American Express recently began limiting folks from getting repeated credit card bonuses.  But now, it’s 1 bonus per card, per person, per lifetime!

Chase Freedom's Official Terms Might Be Good News For Some
You Can’t Cancel an AMEX Card and Get the Bonus Again Later

What About Other Chase Cards?

I checked the terms and conditions for the Chase Sapphire Preferred, Chase Ink Bold, Chase Ink Plus, Chase Southwest, Chase Hyatt Credit Card and Chase IHG cards.  All have similar language (which hasn’t changed from previous offers):

This one-time bonus offer is valid only for first-time cardmembers with new accounts.  Previous and existing cardmembers/accounts are not eligible for this bonus offer.

I wonder if we’ll start seeing changes to the official Chase policy for these cards, too.

Bottom Line

Chase has changed the language on the terms and conditions for the Chase Freedom sign-up bonus offer.

Now, at least on the Chase Freedom, the terms say you can get a bonus again if you haven’t had the card in the previous 24 months.  But this change only seems to be on the Chase Freedom card and not yet on other Chase cards.

We’ll see if Chase changes its policy for other cards!  This is a very rational policy which prevents folks from abusing the card’s sign-up bonus, but still provides a way to get the bonus if you previously had the card.

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