How to Earn 54,000 Chase Ultimate Rewards Points on a Home Repair Project!

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How to Earn 54,000 Chase Ultimate Rewards Points on a Home Repair Project!

EmilyHow to Earn 54,000 Chase Ultimate Rewards Points on a Home Repair Project!Million Mile Secrets Team

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The day before Thanksgiving, I woke up to a shattered patio door in my office.  The sliding glass doors are older, and aren’t energy efficient.  My office always seems to be 10 to 15 degrees colder (or warmer) than the rest of the house.  So I took the shattered door as an opportunity to get a new door, and make our home more energy efficient.

Fortunately, the company also takes credit cards, so I plan on using the door payment to meet part of the minimum spending requirement for the Chase Sapphire Preferred® Card, for which my mom recently got approved!  Doing so will earn her 54,000 Chase Ultimate Rewards points to use!

50,000 points will come from unlocking the sign-up bonus, plus she’ll earn at least another 4,000 points from meeting the $4,000 minimum spending requirement.

Turn Lemons Into Lemonade and Use Unexpected Expenses to Meet the Minimum Spending Requirements on Cards Like the Chase Sapphire Preferred

How I’m Earning ~54,000 Chase Ultimate Rewards Points for a Home Repair Project

The total cost of replacing the patio door will cost ~$2,700, so we will earn another ~2,700 Chase Ultimate Rewards points when we use the Chase Sapphire Preferred® Card, which earns 1 point per $1 spent on purchases that aren’t travel or dining.  $2,700 knocks out a hefty chunk of the $4,000 required spending, and leaves $1,300 in expenses to meet to unlock the bonus.

This Door Will Help Me Earn More Chase Ultimate Rewards Points!

My mom has been spending on her Chase Sapphire Preferred® Card by going to the grocery store, paying her internet/phone bill, and buying Christmas gifts.  Plus, I’ve been teaching her about the importance of shopping through the Chase Ultimate Rewards shopping portal to easily earn even MORE Chase points!

By meeting the minimum spending required, she will earn the 50,000 Chase Ultimate Rewards point welcome bonus and an additional 4,000 Chase Ultimate Rewards points just for spending on the card, for a total of at least 54,000 Chase Ultimate Rewards points!

Have you used home repair costs to help cover your minimum spending requirements?  Tell us about it in the comments below!

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 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, 50,000 points are worth $625 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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Whenever I have a planned major expense, I will just apply for a new card. Sometimes I can meet the minimum spend in a single transaction, sometimes it gets me close enough to just add a few transactions to meet it.


Thanks for the comment and tip! It makes meeting the minimum spending requirements less stressful. 🙂

I do the same thing too! I’ve planned some of my credit card apps with my annual car insurance bills in the past.

Yeah, this year I started paying property tax with it too, even there is a 2% fee. It is well worth it because your return on spend from the bonus is usually much higher.