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 provide is 60k+$300. Its worth is much like 80k provide. It’s first rate however not the traditionally highest provide. [Update] There’s a 70k+$300 provide in department solely, and its spending requirement is greater: $6,000 in 6 months.
2024.6 Replace: The upper provide is expired. The present provide is 60k.
2024.5 Replace: The web provide is now 75k, and 85k in department.
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Advantages
- 60k+$300 provide: 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 yr. The latest greatest provide is 100k.
- We estimate that Final Rewards (UR) factors are value about 1.6 cents/level, see beneath for a short introduction. So the 100k highest sign-up bonus is value about $1,600!
- When you’ve got this card, you’ll be able to switch your UR factors to associate airways miles and resort factors.
- Factors incomes charges:
- [New] Earn 5x UR factors on journey booked by way of Chase Journey portal.
- [New] Earn 3x on eating, choose streaming companies 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 consists of retailers akin to Uber and a few public transportation.
- Earn 1x UR level per greenback spent on all different purchases.
- [New] $50 Annual Lodge Credit score per cardmember yr. Should be booked by way of UR portal. New cardmember can use this credit score now. Present cardmembers ought to be capable of use it after their card anniversary.
- [New] 10% bonus factors per yr. After card anniversary, you’ll be given 10% bonus factors primarily based on the entire spend in your Sapphire Most popular card in final yr. For instance, should you spend $30k in complete, you’ll get 3k bonus factors.
- “Pay Your self Again”: you’ll be able to redeem UR factors for assertion credit towards current 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 journey portal. Nevertheless, with CSR, the redemption charge is 1.5 cents/level, due to this fact it’s extra beneficial to make use of CSR to redeem UR factors on this manner.
- Main automotive rental insurance coverage.
- [Limited Time] Earn 5% money again on Lyft, till 2025.03. Right here is the official hyperlink for this promotion.
- [Limited Time] Free DashPass (Doordash membership) for 12-24 months. Activation required earlier than 2024.12.31. Right here is the official hyperlink for this promotion.
- No overseas transaction payment.
- Refer a good 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 yr.
Disadvantages
- Annual payment $95, NOT waived for the primary yr.
Introduction to UR Factors
- You possibly can earn UR factors with Chase Freedom Scholar, Chase Freedom, Chase Freedom Limitless (CFU), Chase Sapphire Most popular (CSP), Chase Sapphire Reserve (CSR), Chase Ink Money (Enterprise), Chase Ink Limitless (Enterprise), Chase Ink Most popular (Enterprise), 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 should you shut the account, however you’ll be able to forestall shedding your UR factors by transferring the factors to a different UR card beforehand.
- When you’ve got Chase Sapphire Most popular (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Most popular (Enterprise), UR factors might be transferred to some resort factors. Probably the greatest manner 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 widespread and greatest manner 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. In case you use UR factors on this manner, the worth is about 1.6 cents/level.
- When you’ve got Chase Sapphire Reserve (CSR), you’ll be able to redeem your UR factors at a set charge 1.5 cents/level in direction of air tickets or lodges on UR journey portal; if in case you have Chase Sapphire Most popular (CSP) or Chase Ink Most popular (Enterprise), you’ll be able to redeem your UR at a set charge 1.25 cents/level in direction of air tickets or lodges on UR journey portal.
- When you’ve got any of the UR playing cards, you’ll be able to 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 score Card Factors Values (overview), and Introduction to UR: Tips on how to Earn and Introduction to UR: Tips on how to Use (very detailed).
Beneficial Software Time
- [5/24 Rule] When you’ve got 5 or extra new accounts opened up to now 24 months, Chase is not going to approve your utility on this card, irrespective of how excessive your credit score rating is. The variety of new accounts consists of all bank card accounts, not solely Chase accounts. See this submit for particulars about how one can probably bypass this rule.
- The product isn’t obtainable to both (i) present cardmembers of any Sapphire bank card, or (ii) earlier cardmembers of any Sapphire bank card who acquired a brand new cardmember bonus inside the final 48 months. Notice that what this 48-month clock begins from once 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’ll get rejected.
- We suggest that you just 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 yr.
Abstract
Though its spending rewards construction seems to be dangerous these days, CSP (or CSR) remains to be a must have card for the UR factors system as a result of with CSP (or CSR) you’ll be able to switch UR factors to companions to maximise their worth. The sign-up bonus is admittedly engaging! Nevertheless, now you’ll be able to solely select from both CSP or CSR within the 48 month interval. And don’t overlook the 5/24 Rule. You actually have to decide on between CSP and CSR!
Associated Credit score Playing cards
Beneficial Downgrade Choices
- Chase Freedom. Even when you have already got a Freedom, you might be nonetheless in a position to downgrade your CSP to have a second Freedom.
- Chase Freedom Limitless (CFU).
- Chase Sapphire. If you’re not in a position to downgrade your card to the above good playing cards, you’ll be able to downgrade it to this card and attempt to product change sooner or later.
After Making use of
- Name 800-436-7927 to verify Chase utility standing. That is an automatic phone line, and the knowledge has the next meanings: Obtain determination in 2 weeks means your utility might be accepted; Obtain determination in 7-10 days means your utility might be rejected; Obtain determination in 30 days merely means your utility requires additional evaluate and there’s nothing to inform you for now.
- Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it should you didn’t get approve instantly. Your private info shall be acquired and they’re going to then evaluate it. You seldom reply questions, as a substitute, simply benefit from the music and then you definitely get accepted or rejected, or additional info is required to be hand in to the department or faxed.
Historic Provides Chart
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Editorial disclosure: Opinions categorical listed here 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 inside the submit.