Non-affiliate disclosure: all details about the this card have been collected independently by US Credit score Card Information and has not been reviewed by the issuer.
2024.10 Replace: The brand new supply is 60k+$300. Its worth is much like 80k supply. It’s first rate however not the traditionally highest supply. [Update] There’s a 70k+$300 supply in department solely, and its spending requirement is greater: $6,000 in 6 months.
2024.6 Replace: The upper supply is expired. The present supply is 60k.
2024.5 Replace: The net supply is now 75k, and 85k in department.
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Advantages
- 60k+$300 supply: earn 60,000 Final Rewards (UR) factors after spending $4,000 within the first 3 months. Plus, rise up to $300 in assertion credit on Chase Journey purchases inside your first 12 months. The latest finest supply is 100k.
- We estimate that Final Rewards (UR) factors are value about 1.6 cents/level, see under for a quick introduction. So the 100k highest sign-up bonus is value about $1,600!
- You probably have this card, you possibly can switch your UR factors to accomplice airways miles and resort factors.
- Factors incomes charges:
- [New] Earn 5x UR factors on journey booked by means of Chase Journey portal.
- [New] Earn 3x on eating, choose streaming providers and on-line grocery (excluding Goal, Walmart and wholesales).
- Earn 2x UR factors on different journey purchases.Chase is thought to be fairly versatile with their definition of journey and contains retailers reminiscent of Uber and a few public transportation.
- Earn 1x UR level per greenback spent on all different purchases.
- [New] $50 Annual Resort Credit score per cardmember 12 months. Should be booked by means of UR portal. New cardmember can use this credit score now. Current cardmembers ought to be capable of use it after their card anniversary.
- [New] 10% bonus factors per 12 months. After card anniversary, you’ll be given 10% bonus factors primarily based on the entire spend in your Sapphire Most well-liked card in final 12 months. For instance, for those who spend $30k in whole, you’re going to get 3k bonus factors.
- “Pay Your self Again”: you possibly can redeem UR factors for assertion credit towards present purchases in choose, rotating classes, at a set charge 1.25 cents/level. You too can use your UR factors at a set charge 1.25 cents/level on the Chase UR travel portal. Nonetheless, with CSR, the redemption charge is 1.5 cents/level, due to this fact it’s extra really useful to make use of CSR to redeem UR factors on this means.
- Main automobile rental insurance coverage.
- [Limited Time] Earn 5% money again on Lyft, till 2025.03. Here is the official link for this promotion.
- [Limited Time] Free DashPass (Doordash membership) for 12-24 months. Activation required earlier than 2024.12.31. Here is the official link for this promotion.
- No international transaction payment.
- Refer a friend: You possibly can earn 15,000 bonus UR factors for each accepted account you refer, as much as a most of 75,000 UR factors per calendar 12 months.
Disadvantages
- Annual payment $95, NOT waived for the primary 12 months.
Introduction to UR Factors
- You possibly can earn UR factors with Chase Freedom Student, Chase Freedom, Chase Freedom Unlimited (CFU), Chase Sapphire Preferred (CSP), Chase Sapphire Reserve (CSR), Chase Ink Cash (Business), Chase Ink Unlimited (Business), Chase Ink Preferred (Business), and so on.
- You possibly can transfer your UR factors from one UR card to a different at any time.
- UR factors by no means expire. You’ll lose the UR factors on one card for those who shut the account, however you possibly can forestall dropping your UR factors by transferring the factors to a different UR card beforehand.
- You probably have Chase Sapphire Preferred (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Preferred (Business), UR factors could be transferred to some resort factors. The most effective means to make use of UR factors is to 1:1 switch to Hyatt factors. UR factors can be transferred to some airline miles. One of the vital frequent and finest means to make use of UR factors is to 1:1 switch them to United Airways (UA) miles (Star Alliance), and mix them with the UA miles earned from the UA card. Different good choices are: Southwest (WN) (Non-alliance), British Airways (BA) (Oneworld), Virgin Atlantic (VS) (Non-alliance), and so on. For those who use UR factors on this means, the worth is about 1.6 cents/level.
- You probably have Chase Sapphire Reserve (CSR), you possibly can redeem your UR factors at a set charge 1.5 cents/level in direction of air tickets or motels on UR travel portal; when you’ve got Chase Sapphire Preferred (CSP) or Chase Ink Preferred (Business), you possibly can redeem your UR at a set charge 1.25 cents/level in direction of air tickets or motels on UR travel portal.
- You probably have any of the UR playing cards, you possibly can redeem your UR factors at a set charge 1 cent/level in direction of money.
- In abstract, we estimate that UR factors are value about 1.6 cents/level.
- For extra details about UR factors, see Maximize the Credit Card Points Values (overview), and Introduction to UR: How to Earn and Introduction to UR: How to Use (very detailed).
Advisable Software Time
- [5/24 Rule] You probably have 5 or extra new accounts opened up to now 24 months, Chase won’t approve your software on this card, irrespective of how excessive your credit score rating is. The variety of new accounts contains all bank card accounts, not solely Chase accounts. See this post for particulars about the best way to presumably bypass this rule.
- The product will not be accessible to both (i) present cardmembers of any Sapphire bank card, or (ii) earlier cardmembers of any Sapphire bank card who obtained a brand new cardmember bonus throughout the final 48 months. Be aware that what this 48-month clock begins from whenever you final received the sign-up bonus, not the time you open the account or shut the account.
- Don’t apply for greater than 2 Chase bank cards inside 30 days, it’s extremely possible that you’re going to get rejected.
- We suggest that you simply apply for this card after you may have had different Chase bank cards for at the very least 3 months, or after you may have had a credit score historical past for greater than a 12 months.
Abstract
Though its spending rewards construction seems dangerous these days, CSP (or CSR) continues to be a must have card for the UR factors system as a result of with CSP (or CSR) you possibly can switch UR factors to companions to maximise their worth. The sign-up bonus is basically enticing! Nonetheless, now you possibly can solely select from both CSP or CSR within the 48 month interval. And don’t neglect the 5/24 Rule. You actually have to decide on between CSP and CSR!
Associated Credit score Playing cards
Advisable Downgrade Choices
- Chase Freedom. Even when you have already got a Freedom, you’re nonetheless in a position to downgrade your CSP to have a second Freedom.
- Chase Freedom Unlimited (CFU).
- Chase Sapphire. In case you are not in a position to downgrade your card to the above good playing cards, you possibly can downgrade it to this card and attempt to product change sooner or later.
After Making use of
- Name 800-436-7927 to examine Chase software standing. That is an automatic phone line, and the data has the next meanings: Obtain determination in 2 weeks means your software might be accepted; Obtain determination in 7-10 days means your software might be rejected; Obtain determination in 30 days merely means your software requires additional evaluate and there’s nothing to let you know for now.
- Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it for those who didn’t get approve instantly. Your private data might be acquired and they’ll then evaluate it. You seldom reply questions, as a substitute, simply benefit from the music and then you definately get accepted or rejected, or additional data is required to be hand in to the department or faxed.
Historic Presents Chart
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Editorial disclosure: Opinions specific listed below are writer’s alone, not these of any financial institution, bank card issuer, resort, airline, or different entity. This content material has not been reviewed, accepted or in any other case endorsed by any of the entities included throughout the submit.