Chase has some of the best acclaim cards accessible for accustomed spending. What’s more, the sign-up bonuses like the 50,000 Ultimate Rewards credibility you can get with the Chase Sapphire Preferred accomplish Chase’s acclaim cards alike added enticing.
But if you’re cerebration about applying for that absolute Chase acclaim card, actuality are seven things you should apperceive afore hitting the abide on on your application.
(Note, not all of these are absolute rules from Chase, but there are abundant accessible abstracts credibility to alarm them “guidelines” that you may appetite to accede afore applying.)
1. You might not be accustomed for best Chase cards if you accept opened bristles or added coffer cards in the aftermost 24 months.
There’s been a lot of internet babble about the 5/24 rule, area Chase will acceptable abatement an appliance back cardholders accept activated for bristles or added acclaim cards in the accomplished 24 months. The aphorism appeared briefly on Chase’s website back it initially appear the Chase Sapphire Reserve, which offered a sign-up benefit of 100,000 Ultimate Rewards credibility that’s annual up to $1,500 in biking (Chase has back cut the sign-up benefit in half).That’s a huge sign-up benefit alike because the $450 anniversary fee on the agenda and Chase didn’t appetite bodies to assurance up alone to capitalize on that bonus. The 5/24 aphorism additionally applies to abounding added Chase cards.
2. Chase may alone accept you for two acclaim cards every 30 days.
Again, in an accomplishment to barrier bodies aggravating to d the arrangement and agitate benefit offers, Chase will about alone accept barter for two acclaim cards per 30-day rolling period. So, if you accept your eye on several altered Chase acclaim cards, be abiding to amplitude out your applications. Besides, you’ll accept added time to accommodated the spending requirements to authorize for the advantageous sign-up bonuses.
3. Chase may bout you to college sign-up bonuses aural 90 canicule of approval.
If you’re afraid about signing up for a acclaim agenda now because you anticipate a bigger action ability appear forth later, don’t be. Chase is actual acceptable about analogous new barter to college benefit offers if they appear forth anon afterwards barter assurance up. So, if you assurance up for a 50,000 point offer, for example, and two months afterwards Chase offers barter 60,000 credibility for the aforementioned acclaim card, you can ask for those added 10,000 points.
You aloof accept to alarm or accelerate a bulletin through Chase’s defended messaging service, and you can be advised for the benefit bout but there ability be added spending requirements in adjustment to accept the college bonus. Chase’s bout isn’t a accounting policy, but it about wants to accumulate you blessed and alpha your accord out on the appropriate foot.
4. Abacus an accustomed user is easy
Chase generally incentivizes barter to add an accustomed user through an added bonus. For example, new Chase Sapphire Preferred barter will get an added 5,000 Ultimate Rewards credibility (worth at atomic $62.50 in biking spending back adored through Chase Ultimate Rewards) for abacus an accustomed user and authoritative a acquirement on that agenda aural three months. Chase offers agnate bonuses on its co-branded auberge and airline cards.
To add an accustomed user, all you accept to do is accommodate Chase a name and address. No amusing aegis cardinal is required. You can alike put a spending absolute on the accustomed user card, so you don’t accident your acquaintance or admired one accepting agitated abroad with their new allotment of plastic. Remember, you’re amenable for advantageous the bill on all your accustomed users’ purchases, so be accurate back abacus an accustomed user.
5. The “three months” to accommodated the spending requirements for the sign-up benefit could be longer than three months.
Spending $4,000 in three months to get the 50,000 benefit on the Chase Sapphire Preferred ability complete like a lot, but what if it was afterpiece to four months? Some Chase cardholders accept appear deadlines as backward as 115 canicule afterwards applying. At the actual least, Chase will accord you 103 canicule afterward your approval to accommodated the minimum spending to annual for the time it takes to address the acclaim card. You aloof accept to alarm or bulletin Chase to acquisition out by what date you accept to accommodated the spending requirements.
6. Chase will mail your new agenda brief if you ask
If you charge your agenda now — like, appropriate now — Chase will accelerate aircraft at no added cost, and you’ll get your agenda in one or two days. If you accept an emergency amount you appetite to put on the card, or you’re afraid about extensive the appropriate spending by the benefit deadline, it may be annual it to alarm and ask.
7. If you’re denied, alarm the reconsideration administration to acquisition out why.
Chase may abjure you for any cardinal of reasons. If you’re abiding it’s not one of the affidavit listed aloft (five cards in 24 months, or two Chase cards in 30 days), alarm the reconsideration department. They’ll accord you a acumen why, and you can ask what you can do to get approved. Sometimes it’s as accessible as blurred the acclaim absolute on one of your absolute Chase cards. Anyway, it doesn’t aching to accord them a call: 1-888-270-2127.
Now that you’re accustomed with some of the rules at Chase, you can administer for a acclaim agenda with confidence. Remember to analysis out The Motley Fool’s picks for the best Chase acclaim cards.
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