Chase Sapphire PreferredĀ® Card: Spend $4,000 in First 3 Months
Expired
Earn 100K points
+711Deal Score
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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.
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.
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.
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.
Wow. No brainer if you are eligible for the bonus.
I signed up for 80k offer just last week. Can I get chase to make it 100k?
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Have figured out how to come up with a 2nd spend of 4K. Prepay 1K at VZW, 1K at Duke Power, 1K at Piedmont Natural gas and spend 1K with usual charges.
Thinking of applying for wife's card. I have sent the referral link to her as a text message. She works part time and has not that high of an income. Has excellent credit. Better than mine actually as some of the cards which we use daily are all in my name.
Planning on padding her income (it is OUR combined income after all). Any pit falls any of the experts want to chime in about?
If she does get audited by Chase, surely we can turn in her W2 and mine too. Right?
She is an authorized user on my Chase Freedom. I never added her to my CSP even as a user.
I've done these offers numerous times, never carry a balance and have never seen even close to a 10 point drop. I was an AU on my father's card and he had like a $14k balance and that did drop me around 15-20 though.
Well I see a drop of more than a few points any time I report a balance over 1k. Very rare but happens ever so often. Have lots of credit line too and typical reported balance is very low.
Depends on your definition of squat. I don't even like a 10-20 point drop which 4k will do even if you have 100k credit limit.
I've never experienced anything of the sort.
I fairly routinely have thousands in closing-statement balances showing on my report (for various signups or just routine daily spend- though it's all always paid off in full after closing) but since that's only a single-digit percent of available credit (both overall and per card) it doesn't hurt my score at all.
Creditkarma rates the impact to your score based on usage of available credit- they lump 0-9% in the same solid green doesn't hurt you range.... 10-29% as still being ok but not as good as under 10%... and then 30-49% as being yellow, above that red.
If you've got over 100k in available credit there's no reason you should be seeing 10-20 point drops with a 4k balance reported....
Unless that CARD has a low limit you're using most of--- since again they measure both % used of overall credit AND % used on the specific card.
I always use household income when applying for credit cards. Indeed, it is legal[bankrate.com] under the CARD Act of 2009 and a 2013 update from the Consumer Financial Protection Bureau (CFPB).
Quote
from dvpatel
:
Have figured out how to come up with a 2nd spend of 4K. Prepay 1K at VZW, 1K at Duke Power, 1K at Piedmont Natural gas and spend 1K with usual charges.
Thinking of applying for wife's card. I have sent the referral link to her as a text message. She works part time and has not that high of an income. Has excellent credit. Better than mine actually as some of the cards which we use daily are all in my name.
Planning on padding her income (it is OUR combined income after all). Any pit falls any of the experts want to chime in about?
If she does get audited by Chase, surely we can turn in her W2 and mine too. Right?
She is an authorized user on my Chase Freedom. I never added her to my CSP even as a user.
I always use household income when applying for credit cards. Indeed, it is legal[bankrate.com] under the CARD Act of 2009 and a 2013 update from the Consumer Financial Protection Bureau (CFPB).
Thank you for confirming and all your help to everyone so far.
You are welcome. I have piggybacked my wife to build up her credit for the past decade. She had no credit at all when we first met. I added her on my AMEX accounts as AU. AMEX reported her AU accounts to her credit report every month. I also used household income to apply credit cards under her own name. In the very beginning she got pretty low credit limits on her cards. Today her FICO is 780s with 100K overall credit limit among her 10 revolving accounts. I am in progress of reorganizing her accounts. Some of them like BoA has never raised her credit limit in the past years and I plan to close them for her.
In terms of CSP, she applied and got approved for her own card with $12.8K CL. The credit line of my CSP is also $12.8K because we both used household income to apply. ROFL~. We just completed our $8K spending this week, $2.5K on Amazon GCs and $4.5K on Visa/MC GCs and the rest are regular charges. In this way it would be easier for me to manage the spending requirements while we have two other new Citi Custom Cash accounts to meet the minimum spend for SUB. With the Visa/MC GCs, I don't need to excessively prepay any of our expenses. That eases our pressure to meet the minimum spend and avoid buying something we don't really need.
Quote
from dvpatel
:
Thank you for confirming and all your help to everyone so far.
I downgraded from CSP to Freedom Unlimited over 1 year ago. I tried the referral page and I cannot create referral link for my friend to sign up CSP. Only the 2 Freedom cards referral. I think you can only do referral on the card family you currently have. Maybe you can keep your CSP for another year and refer your friend to get 20k points which is worth $200.
Right, so if downgrading to freedom then you will only be able to refer for freedom cards.
I wonder if anyone downgraded and kept the sapphire no annual fee card and was able to refer for sapphire referrals instead of freedom.
Question for the experts. My wife does not have a Chase account. She will use my referral link and apply online today. How does she get a chase account to initiate a 2 day delivery of the card as I believe you need an account number to register for Chase log in. Right?
Question for the experts. My wife does not have a Chase account. She will use my referral link and apply online today. How does she get a chase account to initiate a 2 day delivery of the card as I believe you need an account number to register for Chase log in. Right?
Once she gets approved just call chase cs and they will expedite shipping.
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Thinking of applying for wife's card. I have sent the referral link to her as a text message. She works part time and has not that high of an income. Has excellent credit. Better than mine actually as some of the cards which we use daily are all in my name.
Planning on padding her income (it is OUR combined income after all). Any pit falls any of the experts want to chime in about?
If she does get audited by Chase, surely we can turn in her W2 and mine too. Right?
She is an authorized user on my Chase Freedom. I never added her to my CSP even as a user.
I fairly routinely have thousands in closing-statement balances showing on my report (for various signups or just routine daily spend- though it's all always paid off in full after closing) but since that's only a single-digit percent of available credit (both overall and per card) it doesn't hurt my score at all.
Creditkarma rates the impact to your score based on usage of available credit- they lump 0-9% in the same solid green doesn't hurt you range.... 10-29% as still being ok but not as good as under 10%... and then 30-49% as being yellow, above that red.
If you've got over 100k in available credit there's no reason you should be seeing 10-20 point drops with a 4k balance reported....
Unless that CARD has a low limit you're using most of--- since again they measure both % used of overall credit AND % used on the specific card.
Thinking of applying for wife's card. I have sent the referral link to her as a text message. She works part time and has not that high of an income. Has excellent credit. Better than mine actually as some of the cards which we use daily are all in my name.
Planning on padding her income (it is OUR combined income after all). Any pit falls any of the experts want to chime in about?
If she does get audited by Chase, surely we can turn in her W2 and mine too. Right?
She is an authorized user on my Chase Freedom. I never added her to my CSP even as a user.
In terms of CSP, she applied and got approved for her own card with $12.8K CL. The credit line of my CSP is also $12.8K because we both used household income to apply. ROFL~. We just completed our $8K spending this week, $2.5K on Amazon GCs and $4.5K on Visa/MC GCs and the rest are regular charges. In this way it would be easier for me to manage the spending requirements while we have two other new Citi Custom Cash accounts to meet the minimum spend for SUB. With the Visa/MC GCs, I don't need to excessively prepay any of our expenses. That eases our pressure to meet the minimum spend and avoid buying something we don't really need.
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However, I may change my mind depending on whether the rumored changes come true.
Right, so if downgrading to freedom then you will only be able to refer for freedom cards.
I wonder if anyone downgraded and kept the sapphire no annual fee card and was able to refer for sapphire referrals instead of freedom.
I applied with a banker and he confirmed the 100k offer and told me that on the app it'd "say" 80k but it's really 100k. I'm suspicious.
Once she gets approved just call chase cs and they will expedite shipping.
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Can I schedule a phone meeting and get it done that way?