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Chase Sapphire PreferredĀ® Card: Spend $4,000 in First 3 Months Expired

Earn 100K points
+711 Deal Score
1,459,049 Views
Update: This great credit card offer is still available.

Our best offer ever! Chase is offering 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Enjoy new beneļ¬ts such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards, 3X points on dining and 2X points on all other travel purchases, plus more. Annual fee is $95.

Thanks to community member Helper02 for finding this deal.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate RewardsĀ®.
  • Enjoy beneļ¬ts such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate RewardsĀ®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate RewardsĀ®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Slickdeals may be compensated by Chase.
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Original Post

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Edited October 7, 2021 at 05:20 AM by
Our best offer ever! Chase is offering 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate RewardsĀ®. 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide. Annual fee is $95.
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate RewardsĀ®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate RewardsĀ®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Backā„ , your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.


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Created 06-03-2021 at 01:54 PM by helper02
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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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I mentioned the offer to my wife who is a Chase employee and she pulled it up on her internal system. It had a note that they had additional offers if you apply in a branch. You get the 100k points, 1st year AF waived, and a $50 grocery credit. So essentially an extra $145 for applying in the branch.
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Wow. No brainer if you are eligible for the bonus.
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I signed up for 80k offer just last week. Can I get chase to make it 100k?
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Joined Sep 2009
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> bubble2 15,326 Posts
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Knightshade
07-12-2021 at 08:26 AM.
07-12-2021 at 08:26 AM.
Quote from SiennaDeer8270 :
Its actually smart to pay it off before your statement closes and balance is reported on your credit report. Once that high balance is reported, your credit score will fall. It will take time for you to get your score back high again. Just because you pay it off next statement doesnt mean your score will go back to the old level immediately. It still takes time. Important if you need a high score for another deal.


This is only true if you've got very little credit in the first place.

What's at play here is utilization.

If you've got a $4000 balance reported, and you have $100,000 in available credit across all your cards- nobody cares and that won't hurt your score at all, and paying it off early is pointless (arguably worse if you are otherwise able to get returns on the free temp loan each month....also worse if you always do it to every card in full since 0% utilization isn't good either).


If you've got a $4000 balance reported and you only have $10,000 in available credit across all cards, it will hurt you because it'd show 40% utilization, so pre-paying a fair bit before closing makes sense in that case.
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1dash1
07-12-2021 at 08:26 AM.
07-12-2021 at 08:26 AM.
Quote from llance6 :
I just got another "You're Pre-approved" email to apply for the Preferred with 100k bonus, and it says to apply by July 26th. So, looks like the promo is good until at least then
While you're probably right about the online 100K offer, the in-branch offer ($50 grocery credit and waived annual fee) is still questionable.
Reply
Joined Feb 2006
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> bubble2 4,540 Posts
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Tazmania99
07-12-2021 at 08:28 AM.
07-12-2021 at 08:28 AM.
In general, creditors take 50% of your income as the overall credit limit across the board. If your income is 100K, for instance, and you have 15K limit on card A, 18K on card B, 20K on card C, the combined credit is already more than 50% of your income. In such case, creditor may deny any new credit application from you. While the creditor is not willing to extend any new credit to you, a common practice is to reallocate your credit line from an existing account to a new account and get the new card approved. This is why calling the reconsideration hotline after receiving the denial letter is crucial and practical as many issues are negotiable. Of course, there are many other factors that affect the decision whether or not your application can be approved.

Quote from bonesbones123 :
Thank you!!! Any idea what amount is considered too high of a combined chase CC limit to give out any further credit?
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Tazmania99
07-12-2021 at 08:38 AM.
07-12-2021 at 08:38 AM.
Not 100% correct. While I agree high revolving account balances will have a negative impact to FICO, paying off balance before billing cycle each month does not help build the credit since each month $0 balance is reported to credit bureaus. It doesn't tell how responsible you are handling your credit. The better practice is to pay off, say 95% of your balance, before the end of billing cycle. Let the remaining balance report to credit bureaus each month. And the in the following month, repeat the practice to pay 95% of the current balance BEFORE the due date. Make sure your 95% payment is enough to entirely pay off the statement balance of previous month or your will be charged an interest. In a long run, this is how to build a good credit.

Quote from SiennaDeer8270 :
Its actually smart to pay it off before your statement closes and balance is reported on your credit report. Once that high balance is reported, your credit score will fall. It will take time for you to get your score back high again. Just because you pay it off next statement doesnt mean your score will go back to the old level immediately. It still takes time. Important if you need a high score for another deal.
Reply
Joined Apr 2006
L5: Journeyman
> bubble2 550 Posts
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ken.yong
07-12-2021 at 09:06 AM.
07-12-2021 at 09:06 AM.
Is meeting by phone with a banker ok to get the deal?
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Tazmania99
07-12-2021 at 09:11 AM.
07-12-2021 at 09:11 AM.
Unfortunately no. You need to sign the application in branch.

Quote from ken.yong :
Is meeting by phone with a banker ok to get the deal?
Reply
Joined Dec 2008
L5: Journeyman
> bubble2 659 Posts
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acefr
07-12-2021 at 10:02 AM.
07-12-2021 at 10:02 AM.
Quote from eriemichigan :
I have CSR applied 4 years ago,received bonus more than 48 months.
I am wondering whether convert my CSR to chase freedom, wait for ~10 days and then apply for CSP.
Reason of keeping CSR are:
1, I can still get anther $300 travel reinbursement before next annual fee which would be next January;
2, points will worth 50% more with CSR.
3, This offer will end at the time when I am able to apply
Is that possible to convert my CSR back if this offer expires by the time when I can apply CSP?
Thanks!
From what I understand (someone correct me if I am wrong), you can only do product change after 12 months. If you downgrade your CSR to Freedom, you will need to wait 1 year before you can do product change again.
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Joined Dec 2008
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acefr
07-12-2021 at 10:06 AM.
07-12-2021 at 10:06 AM.
Quote from 1dash1 :
You're a candidate for the double-dip method:
https://milesearnandburn.com/inde...chase-mdd/
https://www.youtube.com/watch?v=6eRpEeGs-No
My total credit line across all my credit cards is over half of my annual income. If I lower my credit line on a couple cards, do you know how long does it take for the credit report to reflect the change? 1 month?
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Joined Jan 2020
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SiennaDeer8270
07-12-2021 at 10:10 AM.
07-12-2021 at 10:10 AM.
To confirm, does the $50 grocery spend count towards the $4k spend requirement even though it gets adjusted and wiped out?
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Tazmania99
07-12-2021 at 11:15 AM.
07-12-2021 at 11:15 AM.
It will be after the billing cycle ends when your balance reported to credit bureaus, but why do you want to do that?

Quote from acefr :
My total credit line across all my credit cards is over half of my annual income. If I lower my credit line on a couple cards, do you know how long does it take for the credit report to reflect the change? 1 month?
Reply
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> bubble2 804 Posts
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bonesbones123
07-12-2021 at 11:32 AM.
07-12-2021 at 11:32 AM.
Quote from Tazmania99 :
In general, creditors take 50% of your income as the overall credit limit across the board. If your income is 100K, for instance, and you have 15K limit on card A, 18K on card B, 20K on card C, the combined credit is already more than 50% of your income. In such case, creditor may deny any new credit application from you. While the creditor is not willing to extend any new credit to you, a common practice is to reallocate your credit line from an existing account to a new account and get the new card approved. This is why calling the reconsideration hotline after receiving the denial letter is crucial and practical as many issues are negotiable. Of course, there are many other factors that affect the decision whether or not your application can be approved.
Also, is it really true that these 100,000 points could be transferred to Southwest reward points? If so, I am wondering what would happen if you transfer the points to Southwest and then later downgrade to a no annual fee card at some point. Would the points disappear from Southwest? Thanks!
Reply
Joined Dec 2008
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acefr
07-12-2021 at 11:35 AM.
07-12-2021 at 11:35 AM.
Quote from Tazmania99 :
It will be after the billing cycle ends when your balance reported to credit bureaus, but why do you want to do that?
I was under the impression (correct me if I am wrong) that if my total credit line is over half of my income, then Chase will not approve any new credit card application. I want to apply for CSP.
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getoffmyland
07-12-2021 at 11:37 AM.
07-12-2021 at 11:37 AM.
Quote from bonesbones123 :
Also, is it really true that these 100,000 points could be transferred to Southwest reward points? If so, I am wondering what would happen if you transfer the points to Southwest and then later downgrade to a no annual fee card at some point. Would the points disappear from Southwest? Thanks!
Yes you can transfer them southwest points. And they don't disappear if you downgrade the card.
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bonesbones123
07-12-2021 at 11:44 AM.
07-12-2021 at 11:44 AM.
Would paying college tuition fee count towards $4k -- just double checking to be sure.. thnx!
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batham13
07-12-2021 at 11:45 AM.
07-12-2021 at 11:45 AM.
Quote from 1dash1 :
While you're probably right about the online 100K offer, the in-branch offer ($50 grocery credit and waived annual fee) is still questionable.

Do you have to specify $50 grocery credit to apply? Or it's automatically applied when you open in the branch?
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