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Chase Sapphire Preferred Referrals Now Showing 100,000 Points Offer + 20,000 For Referrer


The Chase Sapphire Preferred 100,000 points signup bonus is now available via referral links.

Chase Sapphire Preferred Referral | All Referrals

  • New member will get the same 100,000 points after $4,000 spend like with the regular online signup offer ($95 annual fee is not waived).
  • Referrer will get 20,000 points per referrals. Maximum of 100,000 points can be earned each calendar year.

You must generate a new referral link now to get the 100,000 points offer as the old links still show the 80,000+$50 offer.

Lots of people have been waiting for this referral update since the 120,000 total points is worth even more than the branch 100,000 + $95 + $50 offer. Some might still prefer the branch offer, e.g. if you don’t have a spouse to refer you. Also keep in mind, you might get 1099ed for the 20k referrer bonus whereas the branch offer is entirely tax-free. (There’s no 1099 for the 100,000 signup bonus, regardless.)

Especially interesting and exciting is that they’ve increased the referrer bonus limit from 15k/75k to 20k/100k. Tangentially, the Chase Sapphire Reserve card is still not available for signup via referral links.

No referral links in the comments below.





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Summer of Galaxy: 3 Months Of Billboard Pro For Free


The Offer

Direct link to offer

  • Samsung is offering something called ‘Summer of Galaxy’ and offering those with Samsung Galaxy phones 3-Months Billboard Pro Trial Membership

Our Verdict

Billboard Pro offers:

  • Community: Exposure to thousands of industry insiders and insightful tools designed to help emerging artists grow
  • Access: Attend Billboard conferences and get access to elite events like Power 100 Party (VIP access to Songs of Summer virtual concerts)
  • Analytics: Music nerd? Dig into the stats that make your favorite summer jams dominate the Charts

Seems pretty useless to me but maybe somebody will find it useful.





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[Targeted] HSBC: Earn Up To $180 For Existing Checking Customers


Update 6/24/21: Deal is back and valid until 12/31/21. Hat tip to Raj & Josh

The Offer

Direct link to offer

  • HSBC is offering some existing customers up to $180. Starting October 1, 2020 you can earn $15 each month for completing the following requirements ($15 per month for each requirement or $30 for completing both):
    • Make 10 new purchases per month using your eligible HSBC Mastercard® card(s)
    • Pay 3 bills per month using HSBC’s Bill Pay

The Fine Print

  • This Promotion is non-transferrable and is only available to the recipient of this invitation.
  • This Promotion includes two Offers, each requiring qualifying activities and is available from the first full calendar month after the date you receive this invitation and is valid for 6 consecutive calendar months (“Promotional Period”).
  • Promotional Period for these offers is 10/01/2020 through and including 03/31/2021.
  • To qualify for the Card Transaction Offer (“Card Offer”), up to $90 ($15 max per month), you must have an Eligible HSBC Mastercard® Card (“Eligible Card(s)”) issued to you by HSBC Bank USA, N.A. and complete at least 10 eligible new purchases per calendar month using your Eligible Card(s) during the Promotional Period. Eligible Card(s) includes HSBC Debit Mastercard® card(s) linked to your HSBC Premier checking account and/or HSBC Mastercard® credit card(s). Debit card transactions excluded from eligible purchases include, but not limited to, ATM cash withdrawals. Credit card transactions excluded from eligible purchases include balance transfers, credit card checks, cash advances or overdrafts. Transactions must post to your Eligible HSBC Mastercard® Card within the calendar month to qualify.
  • To qualify for the Bill Pay Offer (“Bill Pay Offer”), up to $90 ($15 max per month), you must be registered for Online Banking and complete at least 3 Electronic Bill Pay transactions to third party payees per calendar month during the Promotional Period. Electronic Bill Pay is defined as paying bills from your HSBC Premier checking account using HSBC’s Bill Pay service available on HSBC’s Personal Internet Banking or the HSBC Mobile Banking App. (Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges.) Transfers between internal or external accounts do not qualify as an HSBC Bill Payment.

Our Verdict

Requirements are very easy to meet, should be an easy $180 for most people that are targeted. For tips on meeting debit card requirements read this linked post.

Hat tip to Sebastian H & Real Napster

 





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Staples: No Activation Fee on $200 Mastercard Gift Cards (6/27-7/3), Limit 5 Per Day


The Offer

Direct link to offer (ad for week of 6/27 – 7/3, not yet showing)

  • Staples stores will be selling $200 Mastercard gift cards with the $6.95 activation fee waived from 6/27/21 – 7/3/21.

 

The Fine Print

  • Limit 5 per customer per day; check with your local store to see their rules
  • Valid 6/27 – 7/3
  • In-store only

Our Verdict

Nice to see the full fee waived, better than the $5-off deals. Use a card that earns a high rate on office supply store purchases.

Hat tip to kawnipi





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Cardless Offering 25,000 Point Bonuses On Cavs & Manchester United Cards


The Offer

Direct links to offers: Cavs | Man United

  • New card issuer is offering a bonus of 25,000 points after $2,500 in spend on the Cavs & Manchester United cards

Card Details

Our Verdict

Previously the bonuses were both worth $500 (cavs was 100,000 points but the points were worth 0.5¢ each. The points then increased in value to 1¢ making the bonus worth eventually $1,000).  This deal is half that. Personally at $250 this isn’t that interesting whereas $500 it was much more so. I could see the bonus being increased again but I doubt it will go as high as $500, I can also see it being reduced to only $100. I won’t add this to the best credit card bonuses.

Hat tip to reader Alex





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Deals/Posts You May Have Missed Due To Prime Day


With 2021 Prime day behind us I thought I’d put together of deals/posts people may have missed as I know a lot of people put the blog on mute during this period. I’ve tried to put them in order of importance, but it shouldn’t take long to scroll through the titles to find what interests you.





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American Express Delta Gold – 90,000 Miles + $200 Statement Credit


The Offer

No direct link, shows up when doing a dummy booking

  • American Express is offering a sign up bonus of 90,000 miles after $2,000 in spend within the first three months. You also get a $200 statement credit after your first Delta purchase within three months of account opening

The Fine Print

  • Statement credit issued approximately 8-12 weeks after you make a Delta purchase on your Card in your first 3 months.
  • Bonus miles will be issued after you make $2,000 in purchases on your new Card in your first 3 months.
  • Offer Expires 7/28/2021.

Card Details

  • Annual fee of $99 waived first year
  • Card earns at the following rates:
    • 2x miles per $1 spent on restaurants (including takeout and delivery), groceries and Delta purchases
    • 1x miles per $1 spent on all other purchases
  • $100 Delta Flight Credit when you spend $10,000 in purchases on your Card in a calendar year
  • First Checked Bag Free
  • 20% Back on In-flight Purchases
  • Receive Main Cabin 1 Priority Boarding on Delta flights

Our Verdict

Similar to the 70,000 miles + $400 deal we just posted but for $200 less and 20,000 more miles. I think this offer will only show if you do a dummy booking for award flights but not certain on that. Another great offer and will add this our list of the best credit card bonuses immediately. American Express doesn’t match bonuses unfortunately, but sometimes they offer courtesy points if you applied for a lower bonus recently.





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American Express Delta Gold – 70,000 Miles + $400 Statement Credit


The Offer

No direct link, shows up when doing a dummy booking

  • American Express is offering a sign up bonus of 70,000 miles after $2,000 in spend within the first three months. You also get a $400 statement credit after your first Delta purchase within three months of account opening

The Fine Print

  • Statement credit issued approximately 8-12 weeks after you make a Delta purchase on your Card in your first 3 months.
  • Bonus miles will be issued after you make $2,000 in purchases on your new Card in your first 3 months.
  • Offer Expires 7/28/2021.

Card Details

  • Annual fee of $99 waived first year
  • Card earns at the following rates:
    • 2x miles per $1 spent on restaurants (including takeout and delivery), groceries and Delta purchases
    • 1x miles per $1 spent on all other purchases
  • $100 Delta Flight Credit when you spend $10,000 in purchases on your Card in a calendar year
  • First Checked Bag Free
  • 20% Back on In-flight Purchases
  • Receive Main Cabin 1 Priority Boarding on Delta flights

Our Verdict

Previous offer was 70,000 miles + $200 statement credit. This is an insane bonus, even if you don’t value skymiles highly this is still a $400 bonus (although does require a Delta purchase). Adding this to our list of the best credit card bonuses immediately.

Hat tip to reader t





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Bank of America AAA Member Rewards Visa Credit Card Review, 3.75x Travel and Added Redemption Option


Update 6/21/21: Card now comes with a $200 bonus. Hat tip to US Credit Card Guide

AAA offers various credit cards to their members, some are U.S Bank cards and some Bank of America cards. Today we’ll take a quick look at the AAA Member Rewards Visa card issued by Bank of America. The card has been around for many years, and readers recently brought out a couple of interesting aspects of the card.

AAA Member Rewards Visa

Direct Link

Card earns the following rates:

  • 3x (3% cash back) on travel and on AAA purchases
  • 2x (2% cash back) on gas, grocery, and drugstores
  • 1x (1% cash back) on everything else

A few other details about the card:

  • No annual fee
  • No foreign transaction fee
  • The card is only available in select areas
  • Reportedly, you can get and use this card even without AAA membership
  • It’s possible to get a 20% bonus when redeeming points for AAA vouchers (10,000 points will get you $120 in vouchers or $100 in cash back)
  • Rail purchases are not included in the travel category.

Interesting Notes

Relationship Bonus

Readers note that this card is eligible for the Bank of America Preferred Rewards program which will give BofA relationship customers better rewards. Apparently, only the base earnings get the Preferred bonus on this card (contrast that with other cards which give the bonus on category earnings as well). Here are the earning rates for the top tier relationship customer:

  • 3.75% on travel and AAA purchases
  • 2.75% on gas, grocery, and drugstores
  • 1.75% everywhere else

Cashing Out BofA Points

Another thing readers note is that this card makes it possible to cash out travel points from the Bank of America Travel Rewards card at one-cent-per-point without having to deal with travel redemption. Simply transfer the points from the Travel Rewards card to the AAA card and then cash them out.

There’s reportedly a grandfathered version of a BofA business card which can also be used to cash out BofA travel points. It used to be possible to do so via the Fidelity card, but that card is now issued by US Bank.

Signup Bonus

The card currently offers a $50 Walmart gift card as a signup bonus. Students are not eligible for the signup bonus.

Our Verdict

The most interesting part is to use the card to cash out BofA travel points, making the card a great combo for someone with the Travel Rewards card which can earn up to 2.6% everywhere for relationship clients. That said, BofA travel redemption category is fairly broad, and most people won’t find it worthwhile getting this card  just for this reason.

The other interesting thing is the 3.75% earnings rate on travel. This, too, isn’t spectacular being that many cards have travel as a bonus category, and a lot of people will value, for example, 3x Ultimate Rewards from CSR more than 3.75% cash. Further, the upcoming BofA premium card will offer 3.5% on travel for relationship clients, just .25% less than this card.





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[Update] How long does it take Chase Bank to clear an old card out of their system? (A Few Days)


Update 6/23/21: While you should be able to apply online a few days after product-changing, reports suggest that for in-branch applications you’ll have to wait until after statement close until the Chase system will recognize you as eligible.

Original Post:

Chase has a rule that you can only hold one Sapphire product at a time. What happens when you close out (or product change out) a Sapphire card – how long do you have to wait until you can apply for a new card?

For example, suppose you received a bonus on the Sapphire Preferred on June 1, 2015. You’ve now crossed the 48 month mark, and are eligible for a new Sapphire bonus. You close the card, or you product change it to become a Freedom. Can you immediately apply for the new Sapphire card?

This has probably been discussed, though I don’t recall off-hand any clear guidance on this. I set to test this out myself.

I recently decided to upgrade my plain Sapphire card to become a Sapphire Reserve card to take advantage of the new 1.5 cent cashout option with that card. While calling in, I checked my credit card spreadsheet and noticed that it’s actually been over 4 years since I got any Sapphire bonus. I quickly changed my plan, opting instead to product change the Sapphire card to become another Freedom card, and to subsequently apply for a fresh Sapphire Reserve card, thus netting the extra 50,000 points bonus. (Yep, I’m under 5/24.)

Initially, I planned to wait a few days after product changing before applying. While the card immediately showed up as ‘Freedom’ in my Ultimate Rewards account, it wasn’t yet showing that way in my Chase account, and I wanted to give the Chase system a chance to clear me out. But I decided to put on my blogger hat and test out an application the same day as the downgrade.

No luck. The system instantly denied me, without so much as a hard pull. The next day Chase sent me a letter explaining they could not approve me since, “You already have a Sapphire-branded card account with us”.

To keep up the experiment, I applied again the very next day again. Exact same result – same denial and same letter.

The third day, bolstered by the fact that the new Freedom card already displayed ‘Freedom’ in the Chase login too, I tried another application. Three strikes.

Interestingly, the third time they did hard pull me, and they sent me a new love letter, explained they denied me due to, “Too many requests for credit or opened accounts with us”. Given the hard pull and the altered denial reply, I decided to call in and see if reconsideration could do anything. No such luck: I spoke to the front-line rep and a supervisor, and both insisted there was simply no way for them to manually do anything more than the automated system would allow.

They did mention a 30-day timeframe, explaining that since a card can be reopened for 30 days, the system would not clear me out as a Sapphire cardholder for that length of time. They weren’t entirely sure that 30 days was a hard rule, suggesting it might be more or less than that as well. They suggested I try again at some future date. Ugh, I’d been hoping to get in on the final month of 5x groceries with Sapphire Reserve.

A data point from a reader suggests you don’t need to wait 30 days after a downgrade, and can apply much sooner (their data point was around 10 days after the downgrade). I also had success in less than 30 days, as noted in this follow-up post. Perhaps you can apply once the card shows up in your Chase account as having been product changed, which was – in my case – a day or two after the product change.

So there you have it: applying within the first couple of days certainly won’t work as it takes time to clear your Sapphire standing out of the system. My guess is three business days is safe, but it’s worth waiting a week or two if you can.

Presumably, closing a card would yield similar results to product changing, and you’ll have to wait a few days or more to apply again. Some have suggested that for account closures, you do, in fact, need to wait 30 days for it clear out of Chase’s system.

Related:





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American Express Will Offer $10 Small Business Credit To Select Cardholders (June 29 – August 22)


American Express is sending out to their small businesses notification of an upcoming offer which will be sent out to select cardholders to get a statement credit of up to $10 when they Shop Small at a small business.

Those of you around this hobby for a while will remember the AmEx Small Business Saturday / Shop Small statement credit offers which we saw in earlier years. More recently this became a targeted offer and the details have varied, e.g. last year it the offer was to get $5 back on $10 in purchases, to be used up to 10 times.

This year the offer will be for a statement credit of up to $10 from June 29 – August 22, as indicated in correspondence AmEx is sending out to their small business owners. There are many things we don’t know yet about the offer, but interesting to know that’s something is upcoming.

  • Will it be widely available or highly targeted?
  • Will it be $10 back on $20 spend or $10 back on $10 spend or some other version?
  • Will it be a single $10 credit or multiple $10 credits?

Thanks to reader Greg for sharing this info – he got this email from AmEx pertaining to his small business.





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[Targeted] American Express: Add An Employee Card & Earn 20K Points (Up To 99 Employees)


The Offer

No direct link to offer. Offer being offered when calling in to American Express for other reasons

  • American Express is offering some business cardholders 20,000 points when they add an employee card and they spend $4,000 within six months. You can add up to 99 employees for a total of 1,980,000 points back

Our Verdict

Some people have the same offer but for only 5,000 points, spend requirement is only for $1,000 though. You don’t need to supply a SSN when adding an employee card, but the employee needs to add it within 60 days otherwise the account will be closed.

Hat tip FM





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