Update: This popular deal is no longer available.
Chase.com is offering 60,000 Bonus Points ($750 towards travel) w/ $4000 Spent in the First 3 Months of Account Opening for their Sapphire Preferred Credit Card with $95 Annual Fee. Thanks brisar
Note, please verify/see all the pricing/terms listed below.
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Edited September 14, 2020
at 09:24 AM
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Chase Sapphire PreferredĀ® Card.
Chase is offering 60,000 Bonus Points ($750 towards travel) w/ $4000 Spent in the First 3 Months of Account Opening for their Sapphire Preferred Credit Card with $95 Annual Fee.
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If you close your Saphire card recently, you will need to wait 48 months from the date you received the previous Saphire bonus before applying to get the new card's bonus points.
Be careful not to waste a hard credit pull
Chase T&C:
"The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products."
Also I'll get csr rather than csp if you spend 3400+ in travel, dining etc
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Just FYI
I haven't read but if you think you can write a check to pay other cards to rack up the spending limit for the bonus points.... every card I have ever seen doesn't allow balance transfers to count toward "spend" for the bonus points.....that would be too easy.
I haven't read but if you think you can write a check to pay other cards to rack up the spending limit for the bonus points.... every card I have ever seen doesn't allow balance transfers to count toward "spend" for the bonus points.....that would be too easy.
That's actually kind of genius.
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I haven't had the Sapphire bonus in a year, so this is very tempting.
I haven't had the Sapphire bonus in a year, so this is very tempting.
You can only get 1 sapphire bonus every 48 months
Maybe I'll check in again in a year or so.
this and many other factors weigh in on the decision. the fact that it was an instant meaning an automated denial likely alludes to a substantial factor was involved.
then again, it may have been caused by an error. so call up a chase rep.
If you call a chase rep about the denial. Does that help push your credit score back? Or do you keep the 35 point hit ?
Being declined lowered my score by 35. I want to apply for this card but I don't want to kill my score in 2 weeks time for being declined twice. Any advice on how to open this card successfully?
The guy in the branch had no idea of why I got declined.
Being declined lowered my score by 35. I want to apply for this card but I don't want to kill my score in 2 weeks time for being declined twice. Any advice on how to open this card successfully?
The guy in the branch had no idea of why I got declined.
Being declined for a card does not change your score. At all.
Declines are not reported to credit agencies.
When you apply for a card a few things CAN impact your score:
1) The agency does a hard pull. For most this is a very small hit to their score, and goes away pretty quickly. But we're talking like 5 points, not 35. And that happens simply by applying, before a decision is made either way.
2a) You get declined. Nothing else changes, because that doesn't get reported. (why would it?)
2b) You get approved. This potentially changes your score 2 different ways:
I) Your total available credit goes up by the amount of your new limit. This can reduce your overall utilization and improve your score (often by more than the hit from the hard pull if you otherwise had higher utilization).
II) Your average age of account goes down. This can reduce your score. Especially if you have VERY few accounts on your report. Say you have 1 10 year old card, and nothing else- open a new one and your average age drops from 10 years to 5. That's bad. On the other hand if you've got like 20+ accounts all with good lengths on em, one new one isn't going to impact this hardly at all.
Being declined lowered my score by 35. I want to apply for this card but I don't want to kill my score in 2 weeks time for being declined twice. Any advice on how to open this card successfully?
The guy in the branch had no idea of why I got declined.
Before applying for this card, wait for the letter that Chase sends you listing the reasons for the Amazon card denial, and get an idea of why you were declined, and what you can do to change those factors.
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