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.
2023.6 Replace: The provide is lowered from 80k to 60k. It appears the 90k provide in department remains to be alive in line with DoC, however we don’t know when it’ll finish. [Update] The 80k hyperlink is alive once more magically. HT: DoC.
2023.4 Replace: The net provide is now 80k.
2023.3 Replace: There’s a 90k provide, in department just for now.
Provide Hyperlink
Advantages
80k provide: earn 80,000 Final Rewards (UR) factors after spending $4,000 within the first 3 months. The latest finest provide is 100k.We estimate that Final Rewards (UR) factors are price about 1.6 cents/level, see under for a short introduction. So the 100k highest sign-up bonus is price about $1,600!When you have this card, you possibly can switch your UR factors to companion 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 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 comparable 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. Have to be booked by means of UR portal. New cardmember can use this credit score now. Current cardmembers ought to be capable to use it after their card anniversary.[New] 10% bonus factors per yr. After card anniversary, you may be given 10% bonus factors primarily based on the whole spend in your Sapphire Most popular card in final yr. For instance, when you spend $30k in complete, you’ll get 3k bonus factors.“Pay Your self Again”: you possibly can redeem UR factors for assertion credit in opposition to present purchases in choose, rotating classes, at a hard and fast price 1.25 cents/level. You can too use your UR factors at a hard and fast price 1.25 cents/level on the Chase UR journey portal. Nevertheless, with CSR, the redemption price 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.Major automobile 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 international transaction payment.Refer a good friend: You may earn 15,000 bonus UR factors for each authorised 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 may 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 forth.You may 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 when you shut the account, however you possibly can stop shedding your UR factors by transferring the factors to a different UR card beforehand.When you have Chase Sapphire Most popular (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Most popular (Enterprise), UR factors could be transferred to some resort factors. Among the finest 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 crucial 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 forth. For those who use UR factors on this means, the worth is about 1.6 cents/level.When you have Chase Sapphire Reserve (CSR), you possibly can redeem your UR factors at a hard and fast price 1.5 cents/level in direction of air tickets or motels on UR journey portal; when you have Chase Sapphire Most popular (CSP) or Chase Ink Most popular (Enterprise), you possibly can redeem your UR at a hard and fast price 1.25 cents/level in direction of air tickets or motels on UR journey portal.When you have any of the UR playing cards, you possibly can redeem your UR factors at a hard and fast price 1 cent/level in direction of money.In abstract, we estimate that UR factors are price about 1.6 cents/level.For extra details about UR factors, see Maximize the Credit score Card Factors Values (overview), and Introduction to UR: The best way to Earn and Introduction to UR: The best way to Use (very detailed).
Beneficial Software Time
[5/24 Rule] When you have 5 or extra new accounts opened up to now 24 months, Chase won’t approve your software on this card, regardless 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 publish for particulars about the way to presumably bypass this rule.The product shouldn’t be out there 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 inside the final 48 months. Word that what this 48-month clock begins from whenever you final obtained 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 probably that you’ll get rejected.We suggest that you simply apply for this card after you may have had different Chase bank cards for no less than 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 unhealthy 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 possibly can switch UR factors to companions to maximise their worth. The sign-up bonus is basically engaging! Nevertheless, 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
Beneficial 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 Limitless (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 verify Chase software standing. That is an automatic phone line, and the data has the next meanings: Obtain choice in 2 weeks means your software might be authorised; Obtain choice in 7-10 days means your software might be rejected; Obtain choice in 30 days merely means your software requires additional assessment and there’s nothing to inform you for now.Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it when you didn’t get approve instantly. Your private data might be acquired and they’ll then assessment it. You seldom reply questions, as a substitute, simply benefit from the music and then you definately get authorised or rejected, or additional data is required to be hand in to the department or faxed.
Historic Affords Chart
Provide Hyperlink
Editorial disclosure: Opinions specific 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, authorised or in any other case endorsed by any of the entities included inside the publish.
