applying for 2 chase credit cards

That means if you applied for a credit card and were denied, two Chase cards and one Capital One card in the past 24 months, it is. Get a check or apply rewards as a statement credit. Redeem for gift cards from Walmart or other retailers. Restaurants & travelEarn 2% cash back. Apply for Costco Anywhere Visa® Credit Card by Citi, one of Citi's Best Earn 2% cash back on Costco purchases in-store and at Costco.com.

Applying for 2 chase credit cards -

From snacks and drinks to over-the-counter medicines and baby products, Gopuff delivers everyday essentials straight to your doorstep in minutes. Plus, Gopuff customers who add their eligible Chase card to their payment profile are eligible for special offers—only available to eligible Chase card members.

* not guaranteed; average delivery time.

Additional fees, terms and conditions may apply. Order minimums may apply. Gopuff delivery not available in all markets. Must be 21 or older to purchase certain products.

$10 Monthly Gopuff Statement Credit: You will receive a $10 statement credit each month you make a qualifying Gopuff purchase of at least $10 through 12/31/23. Qualifying Gopuff purchases include only those made by you, or an authorized user, with your eligible credit card through gopuff.com or the Gopuff mobile application (excluding gift card purchases). We do not determine whether merchants correctly identify and bill transactions as being of a certain type. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or purchased through third parties are excluded from this offer. Statement credit will appear on your monthly credit card billing statement within 1-2 billing cycles after your qualifying Gopuff purchase posts to your account. Account must be open and not in default at the time the statement credit is posted to your account. Chase is only responsible for posting the statement credit to your credit card account, based on information supplied by Gopuff. Chase is not responsible for the provision of, or the failure to provide, Gopuff benefits and services. Additional fees, terms and conditions may apply. Order minimums may apply. Gopuff delivery not available in all markets. Must be 21 or older to purchase certain products. Eligible credit cards: Chase Freedom card, Chase Freedom Unlimited card, Chase Freedom Student card, Chase Freedom Flex card, Chase Sapphire card, Chase Sapphire Preferred card, Chase Sapphire Reserve card, J.P.

Источник: /go/

Rules to Know for Chase Credit Card Applications (Chase 5/24, 2/30, One Sapphire Rule)

You can have an open Chase Sapphire Reserve, Chase Sapphire Preferred® Card, OR a Chase Sapphire card, but not more than one at a time.

Exceptions to the “One Sapphire Rule”:

  • If you had more than one Chase Sapphire card before the rule kicked in August 2018; then your cards are grandfathered.

  • You can product change a card to have multiple Sapphires

Chase Sapphire 48-Month Rule

In addition to the “One Sapphire Rule,” you can only receive an intro bonus to a Chase Sapphire card once every 48 months (4 years).

For example, if you receive an intro bonus for the Chase Sapphire Preferred in Jan 2018, you would have to wait until Jan 2022 to receive another Chase Sapphire bonus.

If you were to downgrade the Chase Sapphire Preferred in Jan 2019 to a Chase Freedom card and apply for the Chase Sapphire Reserve, you would not qualify for the bonus due to the 48-month rule.

Again, the 48-month rule only applies to the Chase Sapphire family of cards.

If you are an authorized user on a Chase Sapphire card and you want to get your own, be sure to remove yourself as an authorized user before applying.

“One Southwest Rule”

Источник: https://www.asksebby.com/blog/rules-to-know-for-chase-credit-card-applications

Ultimate Guide To Applying For Multiple Chase Ink Business Cards

There is no question that Chase offers the most lucrative sign on bonuses and the best credit cards in the business. In reality, it really is down to between two companies in 2019-2020, American Express and Chase. My favorite card is still the Chase Sapphire Reserve which I use on a day to day basis. However, the Business Chase Ink Preferred offers the most lucrative sign on bonus at 80,000 points after spending $5,000 in 3 months. You can combine that with the two other business credit cards in Chase’s Ink portfolio, the Ink Unlimited and Ink Cash which are both offering a whopping 50,000 points sign on bonus.chase ink busines

What most people do not know is that you can game the system and actually apply for multiple of the same credit card as one person. Yes, this means you can apply for not one, but two Chase Ink Preferred credit cards and get 160,000 Ultimate Rewards points. Only Chase allows you to do this (AMEX does not). This post will lay out exactly how to go about doing this and proof of me doing so! This is all part of my travel hacking and credit cards guide which is lays out everything involving credit cards.

Contents

What to know about Business Credit Cards


There are a few noticeable differences between personal credit cards and business credit cards. The primary difference is that the business credit card does not go onto your personal credit report. The impact on your credit score will be very minimal even if you have 5 or 10 business cards. This is especially important when applying for Chase credit cards (both personal and business) because of the Chase 5/24 rule. To better understand this rule and why Chase cards are the best credit cards, read my Chase credit cards guide.

There are many other nuances that can span multiple posts, so luckily I’ve written such a post that goes into detail about business credit cards, do you actually need a business, how it affects your credit score and more. If you have not applied for a business credit card before, make sure to read that post before continuing otherwise this may be confusing.

What are the Chase Ink Business Credit Cards


Okay so now you’re a pro or at least aware of how business credit cards works. For the purpose of this post, it is to maximize taking advantage of Chase business cards so I am only focusing on the following:

  • Chase Ink Preferred
  • Chase Ink Unlimited
  • Chase Ink Cash

I will not be talking about their personal cards with include

  • Chase Sapphire Preferred
  • Chase Sapphire Reserve
  • Chase Freedom
  • Chase Freedom Unlimited

What do the Chase Ink cards offer? A LOT of free Ultimate Rewards points. If you’re not familiar with UR points, they are considered the most lucrative points in the game. You can use them to book travel at a discounted rated (1.5 cents per point if you hold the Chase Sapphire Reserve so 80,000 points equates to $1,200 in travel).

qsuites qatar airlines business class

Flying Qsuites on Qatar Airlines, the best Business class product in the sky.

You can transfer them to airlines and book business class travel which is a great ROI. Alternatively, you can transfer them to hotel programs like Hyatt and stay at amazing places like the Park Hyatt Hadahaa in the Maldives.

Maldives overwater sunset villa park hyatt hadahaa drone

Relaxing at our amazing overwater villa in the Park Hyatt maldives thanks to all our Hyatt points.

Here are the details of Chase’s Ink portfolio and their respective sign on bonuses.

These bonuses and minimum spend requirements have changed in 2020. I’ve updated them in the below section but for the purpose of the rest of the post, ignore the points examples as they will be outdated. However, the ethos of applying for multiple Ink cards is still the same. 

Chase Ink Preferred

Chase ink preferred

Sign on bonus: 100,000 UR points after spending $15,000 in 3 months
Annual Fee: $95, not waived for the first year
Card Details: 3x per $1 spent on the following categories, 1x on everything else

  • Travel
  • Shipping purchases
  • Internet, cable and phone services
  • Advertising purchases made with social media sites and search engines

Apply for this card!

Chase ink Unlimited

Sign on bonus: 70,000 UR points after spending $7,500 in 3 months
Annual Fee: $0
Card Details: 1.5x per $1 spent on everything

Apply for this card!

Chase Ink Cash

ink cash chase

Sign on bonus: 75,000 UR points after spending $7,500 in 3 months
Annual Fee: $0
Card Details: 5x back on office supply stores, and internet/cable/phone services, 2x back on gas stations and restaurants, 1x on everything else

Apply for this card!

How to get two chase Ink Preferred business cards


This is where the meat of the post will be so pay attention to this! For the slightly above average Joe that is into credit card churning, it is simple to apply for all three cards in Chase’s business portfolio and get approved. This means you can have all three Ink credit cards (Ink Preferred, Ink Unlimited, Ink Cash) at the same time which means you’ll have garnered a combined 80,000 + 50,000 + 50,000 = 180,000 UR points! This is a lot of points for anybody.

But what if you want more?

For the pros and the greedy, this is where it gets interesting. By applying for an EIN (Employee Identification number) which is what you’ll need to start a Sole Proprietorship or LLC, you can essentially apply for the same card a second time under a different business name. This means that if you have an EIN, you can apply for the same card again by using your EIN as your Business Tax ID instead of your social security number. Chase sees this as two separate applications, and therefore two credit cards with two sign on bonuses.

Essentially, this means you can apply for two Chase Ink Preferreds for 80,000 x 2 = 160,000 sign on points, or two Chase Ink Unlimited cards for 50,000 x 2 = 100,000 points. Confused? Yes it certainly can be and is why I always use a spreadsheet to track all my cards. Step by step it will look like this:

Apply for the first Ink Preferred using your SSN only

When filling out a business card application, Chase breaks the application down into two sections, one for your “business”, and the other for your personal details. On the business section, Chase will ask for your Tax ID number. The tax ID number is your EIN but you are not required to have one if you are a sole proprietorship, which is essentially doing business as yourself (think of doctors or dentists). You can use your SSN in place of your Tax ID instead. As such, for your business name, you can just put your personal name. For more details about how to fill out these applications, make sure to read my business credit card guide. 

For your personal section, fill this out with your details and your SSN number as you would any other credit card application. Your business and personal sections will look quite similar in this case. This application is what we like to call the SSN application as you are only using your social security number.

I’ve filled out an application online as the following from Chase:

how to fill out chase ink application

How to fill out the chase ink application. You can see the Tax ID number and the SSN number are the same.

Apply for the second Ink Preferred using EIN and SSN

After waiting at least two months, you should be safe to apply for your second Chase Ink Preferred card. This time, you are using an actual EIN number (details on how to get one below) instead of your SSN for your business section. Whatever your business name is registered as, make sure to use that in the Business name section. You can still be a “sole proprietorship” even with an EIN so I would continue to select that as your type of business. For your personal section, keep it the same as the first card. This method is called the EIN + SSN method.

The application for the second card will look something like this:

You can see for the second application, the Tax ID and the SSN are different numbers.

By using your EIN on your second application, you are essentially filing a completely new application under a new business. Your personal section is still used to analyze your credit report (so if you cannot get approved for the first Chase Ink Preferred, then you will not get approved for the second) but using your EIN means you are now applying as a separate business.

Applying for an EIN


Applying for an EIN is very straight forward. Absolutely anyone can apply for an EIN and you don’t even need a real business. Perhaps you are planning to start a business, or perhaps you just think having an EIN sounds cool. Whatever the reason is, it is very easy and quick to get an EIN number from the Government.

When you’re ready, just visit the IRS website for EIN applications to apply for your own number. The application is not very complicated (just select sole proprietorship) and you should be able to get an EIN immediately after applying.

How long to wait between applications


So now you’re ready to apply for multiple Chase Ink cards which is great. However, you’ll need to space out your applications because Chase has a concrete anti-churning rule called the 2/30 rule. This states that they will not issue more than 2 cards in a 30 day period. This is any two cards. So at the very minimum, wait 30 days between applications.

However, I like to wait at least 1.5 months to be on the safe side. This means if I applied for the Chase Ink Preferred on Jun 20, I would only apply for a second Chase Ink Preferred or a Chase Ink Unlimited from August 1 at the very earliest. I mean you’re getting thousands of dollars for free so don’t try and raise any red flags.

Self Referring yourself to the second Ink Preferred


Currently, and this could change at any minute, you can refer a friend to the Chase Ink Preferred and receive a whopping 20,000 UR sign on bonus.

The pros trick is that you can actually refer yourself if you want to apply for the second Ink Preferred card since technically, you’re two entities. This means you can apply for your first Ink Preferred credit card and get the 80,000 points, refer yourself to get 20k and get another 80,000 on your second Ink Preferred.

  • First Ink Preferred Card = 80,000 bonus points
  • Referral bonus for referring yourself to the second card = 20,000 points
  • Second Ink Preferred card = 80,000 bonus points
    _______________________________________________________________
  • Total = 180,000 bonus points, or at minimum $2,700 dollars towards travel!

This is exactly what I did and combined with the sign on bonus with the Ink Unlimited (just one card for now), that’s almost 250,000 UR in sign on points within a few months time!

What if I have more than one EIN?


If you already have an EIN through your Sole Proprietorship, you can get a new one through an LLC from the same IRS website. This means yes, you can essentially apply for another Chase Ink Preferred. If you have multiple EINs, technically you can apply for even more of the same cards.

While I’ve not indulged in this, I’ve read cases of people being able to get 4 or 5 Ink Preferreds for one person! This means, assuming they self referred themselves every time, they’re looking at almost a half million UR points!

A study case for another time!

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Ultimate Guide To Applying For Multiple Chase Ink Business Cards2019-08-132021-06-07https://johnnyafrica.com/wp-content/uploads/2017/05/logowhite-1.pngJohnny Africahttps://johnnyafrica.com/wp-content/uploads/2019/08/small-business-owner-chase-ink.jpg200px200px
Источник: https://johnnyafrica.com/multiple-chase-ink-business-cards/

Credit Cards

Credit Card Offer FAQs

Find information on Discover cards, how to apply for a credit card online, and more.

Discover credit cards are available on the Discover it® platform, a set of common benefits we’re committed to providing to every customer. However, the rewards and some extra benefits vary from product to product to be sure we can give different customers what they need.

 

Discover it® Cash Back: earn rewards at different places

 

Discover it® Miles: great for vacations or staycations

 

Discover it® Chrome Gas & Restaurants: earn rewards on road trips

 

Discover it® Secured Credit Card: build your credit history

 

Discover it® Student Cash Back: students earn rewards at different places

 

Discover it® Chrome for Students: students earn rewards at gas stations and restaurants

 

NHL® Discover it®: put your favorite team on your card

 

Discover it® Business: simple, smart benefits business owners need

You can apply for Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). Select from cash back credit cards or travel credit cards. We also have Discover student cards and a Discover business card. All our credit cards earn Discover rewards on every purchase. You’ll need to be 18 or older to apply for a card. If you're not yet 21, you will have to apply online. Discover business card and Discover Secured credit card applicants must also apply online.

Discover card credit score requirements vary by product. In general, the standard Discover it® Card is for people with established credit. But the Discover Secured credit card is built for people looking to build or rebuild their credit with responsible use.4 No matter what, cardmembers earn Discover Card rewards on every purchase.

People wondering how to get a credit card should check their credit score with a free tool like the Discover Credit Scorecard. Then you may want to do a credit card comparison and choose the one that’s best for you. It’s always good to check if you’re pre-approved to see your likely offers before you apply for a card. While checking if you’re pre-approved won’t hurt your credit, each full application for a credit card may impact your credit score.

If you’re thinking about how to get a credit card, check your credit score to figure out your likely credit card eligibility. Then, a credit card comparison can help you choose the one that’s best for you. It’s always good to check if you’re pre-approved for a card before you apply. Checking if you’re pre-approved won’t harm your credit, but applying for credit cards may impact your credit score. Check to see if you‘re pre-approved.

You may receive credit card offers in the mail, by email or online. Compare your offers by rewards, sign-up bonus, benefits, APR (including introductory rates), fees and credit limits. Look for rewards programs that fit the way you spend: if you know you will use the card for groceries, gas, dining or travel, you may be able to find a card that helps you earn more. And look for a sign-up bonus that doesn’t have a minimum spending amount required to get your extra rewards.

Different credit cards require a different credit rating for approval. Some cards are only for people with excellent credit or good credit. Other cards are great if you have fair credit or are building or rebuilding credit. The credit card company will run a credit check as part of its decision to approve your application. It’s a good idea to check your credit score or get a copy of your credit report before applying for a new card.

A credit card is a revolving loan that you can use to make purchases. Each month you’ll receive a statement telling you how much of the loan you have used and have to pay back. If you pay the statement balance in full by the due date each month, you will not be charged interest on purchases. Otherwise your APR will apply to your unpaid credit card balance and you’ll have interest charges in your next statement. When you apply for a credit card, the credit card issuer will pull your credit report – which could result in a hard inquiry – as one of the factors they use to decide whether to approve your application. Credit cards often provide rewards on purchases, which is usually a percentage of the amount you spent with the card. A credit card comparison shows you different rewards and benefits and can help you find the credit card that’s best for you.

Your credit limit is the maximum amount of the revolving line of credit on your card—or the total amount you can use on your card for purchases, balance transfers, etc. When you apply for a credit card, the bank or credit card company uses a variety of information to decide what credit limit they can offer. As you show responsible credit use, credit card issuers may increase your credit card limit.

There are many reasons to get a credit card: you may decide to apply for a credit card for the rewards, APR (including intro rates) or sign-up offers. Or you might want to build your credit history. Some credit cards like Discover provide $0 Fraud Liability Guarantee, which means you’re never responsible for unauthorized purchases on your Discover Card.6 Also, credit cards often provide extra benefits, like providing helpful alerts on your spending and more.

Credit card companies consider a number of factors in their decision to approve your application, including your credit history and your ability to repay. So they may consider your credit score, income and more. One of the simplest helpful credit habits is to make at least the minimum payment for all of your bills on time every month.

Are you ready to add a Discover credit card to your credit journey?

 

Learn how and why you may receive pre-approved credit card offers, what to look for, and how you can opt-out of pre-approved credit card offers.

 

Learn how to apply for a credit card online, increase your chances of approval and protect your personal information while applying for credit cards online.

 

Find out which credit cards you qualify for by trying an online card pre-approved tool, checking doesn't impact your credit score and can personalize your offer.

Источник: https://www.discover.com/credit-cards/

How Two Chase Credit Cards Can Quickly Earn You 140K+ Points

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The Chase Sapphire Preferred® Card is one of our favorite travel rewards credit cards. Right now, it has a welcome bonus offer of 60,000 Chase Ultimate Rewards points after spending $4,000 in the first three months. But that big bonus doesn’t mean it should be your go-to card forever. Just the opposite.

Once you’ve earned that welcome bonus, you’d be better off putting some of your grocery shopping and many other everyday expenses on a different credit card. And that’s where the Chase Freedom Flex and Chase Freedom Unlimited®cards come in.

These two Chase credit cards have no annual fee and typically earn cashback. But pair them with the Chase Sapphire Preferred Card or even the Chase Sapphire Reserve®, and it forms a powerful tandem that can help you earn even more Chase Ultimate Rewards points.

We’ll walk you through why you may want to pair one of these cards alongside your Chase Sapphire Preferred Card – and how you can earn a quick 140,000 Chase Ultimate Rewards points (and then some). It’s a powerful duo for your wallet.

 

Chase Freedom Flex vs. Freedom Unlimited

What’s the difference between these two Chase credit cards?

Chase introduced the Freedom Flex Card last fall as a replacement for the wildly popular Chase Freedom Card, which is no longer available for new applications. At the same time, Chase updated the benefits of the Chase Freedom Unlimited to make that card even stronger.

So let’s take a look at what each card offers.

 

Chase Freedom Flex

  • Welcome Offer Bonus: Earn a $200 bonus after spending $500 in the first three months of card membership.
  • Earn 5% back on grocery spending (excluding Walmart & Target) on up to $12,000 spent in your first year of card membership. This is a limited-time offer.
  • Earn 5% cashback on rotating quarterly categories on up to $1,500 of spending which could include:
  • Earn 5% cashback on travel booked through the Chase Ultimate Rewards portal
  • Earn 5% cashback on Lyft rides through March 2022.
  • Earn 3% cashback on dining, including takeout and delivery services
  • Earn 3% cashback at drugstores
  • No Annual Fee!

 

chase freedom flex card

 

Click Here to learn more about the Chase Freedom Flex Card. 

 

Chase Freedom Unlimited

  • Welcome Offer Bonus: Earn a $200 bonus after spending $500 in the first three months of card membership.
  • Earn 5% back on grocery spending (excluding Walmart & Target) on up to $12,000 spent in your first year of card membership. This is a limited-time offer.
  • Earn 5% cashback on travel booked through the Chase Ultimate Rewards portal starting Sept. 15, 2020.
  • Earn 5% cashback on Lyft rides starting Sept. 15 through March 2022.
  • Earn 3% cashback on dining
  • Earn 3% cashback at drugstores
  • Earn an unlimited 1.5% cashback on all other purchases.
  • No Anual Fee!

 

chase freedom unlimited card

 

Click Here to learn more about the Chase Freedom Unlimited Card. 

 

These cards clearly have a lot of overlap. They’re designed to be a mainstay in your wallet, a smart way to pay for many of your everyday expenses. And while the Chase Sapphire Preferred is worth keeping longterm, it’s not the right card to keep swiping day in and day out.

The biggest difference is that the Chase Freedom Flex earns 5% back (on up to $1,500 of spending) on a set of rotating quarterly bonus categories. Stay up-to-date on the latest Chase Freedom Flex bonus categories!

Meanwhile, the Chase Freedom Unlimited earns an unlimited 1.5% cashback on all other spending. That makes it a good catch-all card for your other spending – especially if you feel you can’t max out the Chase Freedom Flex bonus categories.

One other critical difference: Unlike the Chase Freedom Unlimited Card, the new Freedom Flex card isn’t from Visa. It’s a World Elite Mastercard. That may seem like a meaningless change, but it opens up even more benefits like cell phone insurance, earning free Lyft credits, discounts on Postmates deliveries, and more. See all the World Elite Mastercard benefits.

While Chase technically allows you to hold both the Freedom Unlimited and the Freedom Flex, you only need one to pair with your Chase Sapphire Preferred (or Reserve) Card.

 

Why You Should Pair a Freedom with a Sapphire Card

The one-two punch of holding a Chase Freedom card with a Chase Sapphire Preferred or Reserve credit card is undeniable.

When you’ve got a Chase Sapphire card, the cashback your Freedom card earns can be turned into Chase Ultimate Rewards points. Every cent you earn equals 1 Chase point. Earning 5% cashback could also mean 5x Chase Ultimate Rewards points.

Let’s say you’ve got the Chase Freedom Unlimited and the Chase Sapphire Preferred Card. Just for spending $500 in the first three months of card membership on the Freedom Unlimited, I’ll earn a $200 cash bonus. And since I hold the Sapphire Preferred, that $200 can be turned into 20,000 Chase Ultimate Rewards points to use towards travel.

Both cards will earn more points in certain categories than you would earn with the Chase Sapphire Preferred card on its own. Holding one of the Freedom cards is a great way to make sure you squeeze the most value out of your everyday spending.

 

chase credit cards

 

And critically, you can open a Freedom card and also take advantage of the 60,000 point offer on the Chase Sapphire Preferred Card to earn 80,000 points total after spending only $4,500 in the first three months and paying one $95 annual fee (on the Chase Sapphire Preferred Card).

Then, because of the limited time offer to earn 5% back on up to $12,000 spent at the grocery store in your first 12 months of card membership, you can earn another $600 back – or 60,000 Ultimate Rewards points. That’s a total of up to 140,000 points from two credit cards!

Those points work out to at least $1,750 in free travel – not bad for paying just $95 in annual fees.

 

Chase Sapphire Preferred Card

 

Click Here to get more information about the Chase Sapphire Preferred Card. 

 

 

How to Responsibly Earn the Bonus on Chase Credit Cards

Let’s be clear about something: Spending $4,500 in three months is no small task. And spending the full $16,500 in the first year to earn the full 140,000 points can be even more difficult. If you don’t think you can do it responsibly, you shouldn’t try.

Credit cards are serious business, and debt is a major problem in this country. If you charge expenses you can’t pay off immediately, paying back high-interest rates will negate the value of whatever points you earn and also harm your credit score.

But if you can meet the spending requirement responsibly, this is a fantastic strategy to earn two big Chase bonuses – and then keep earning Chase points on your everyday spending. With a $12,000 spending cap to earn the entire grocery bonus on a Freedom Card within the year, that’s $1,000 in grocery bills each month. For many American families, that’s more than reasonable.

If spending $4,500 in three months sounds like a stretch, keep in mind that there are creative ways to responsibly hit those minimum spending requirements.

 

Bottom Line

Pairing one (or both) of the Chase Freedom cards with a Chase Sapphire Card is a powerful points-earning duo. You’ll unlock more points upfront, and maximize more of your everyday spending from thereon out.

Because of the Chase 5/24 rule, we always suggest prioritizing Chase credit cards as you work to earn points to fuel your future travels. And with this many potential points on the table, the time is ripe.

Stop overpaying for travel!

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Related stories:

Источник: https://thriftytraveler.com/guides/points/two-chase-credit-cards-140k-points/

Final Verdict

Chase offers numerous credit cards that offer cash back, rewards, and other attractive benefits. It partners with many well-known brands and its proprietary rewards program is one of the most popular. Of all of its credit cards, the Chase Freedom Unlimited is our choice for the best overall card. With its lucrative cash back offers and flexible redemption program, it's also our choice for the best cash back credit card.

Compare the Best Chase Credit Cards

Credit CardAnnual FeeIntro OfferRewards
Chase Freedom Unlimited
Best Overall, Best Cash Back
$0$200 after $500 within 3 months5% travel through Chase 3% at restaurants and drug stores Unlimited 1.5% all else
Ink Business Unlimited
Best Business
$0$750 after $7,500 within 3 monthsUnlimited 1.5%
Chase Sapphire Preferred
Best Bonus
$9560,000 points after $4,000 within 3 months5X points on travel purchased through Chase Ultimate Rewards(R), 3X points on dining and 2X points on all other travel purchases
Chase Freedom Student
Best Student
$0$50 after 1st purchase within 3 months1% on all purchases
Chase Sapphire Reserve
Best Travel
$55050,000 points after $4,000 in 3 months3x dining and travel 1x all else
United Explorer
Best Airline
$95 (first year waived)60,000 miles after $3,000 in 3 months; Additional 10,000 after $6,000 total in 6 months2x on United, dining, and hotels
Marriott Bonvoy Boundless
Best Hotel
$953 Free Nights (up to 50,000 points each) after you spend $3,000 in 3 months6x at Marriott 2x all else

Editorial Picks for Best Chase Credit Cards

Chase Freedom Unlimited

Best Overall, Best Cash Back

The Chase Freedom Unlimited is the best overall Chase card and best for cash back with its unlimited 1.5% cash back and bonus categories for travel, dining, and drugstores. Rewards can be redeemed for cash back, travel, gift cards, and more.

Read the Full Chase Freedom Unlimited Review.

Ink Business Unlimited

Best Business

The best Chase credit card for business owners is the Ink Business Unlimited because it earns an unlimited 1.5% cash back on every purchase. It has a strong one-time bonus offer and comes with free employee cards to help earn additional rewards.

Read the Full Ink Business Unlimited Review.

Chase Sapphire Preferred

Best Bonus

The best bonus from Chase is available with the Chase Sapphire Preferred Card. New cardholders can earn 60,000 points, which is worth up to $750 when booking airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.

Read the Full Chase Sapphire Preferred Review.

Chase Freedom Student

Best Student

Students will love the Chase Freedom Student card because of its unlimited 1% cash back and annual bonuses for being responsible with the card. It includes free access to your credit score and it's possible to earn a larger credit limit after making five payments on time.

Read the Full Chase Freedom Student Review.

Chase Sapphire Reserve

Best Travel

The best travel credit card from Chase is the Chase Sapphire Reserve because of its valuable rewards and travel perks. Cardholders receive airline lounge access, primary rental car protection, and much more. Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards(R) immediately after the first $300 is spent on travel purchases annually.

Read the Full Chase Sapphire Reserve Review.

United Explorer

Best Airline

The United Explorer Card is the best airline credit card from Chase because of its travel perks when flying United, reimbursement for Global Entry or TSA Precheck, and two complimentary airport lounge passes each year. It also offers a substantial one-time bonus and waives the annual fee for the first 12 months.

Read the Full United Explorer Review.

Marriott Bonvoy Boundless

Best Hotel

The Marriott Bonvoy Boundless card provides automatic Silver elite status and an upgrade to Gold based on your spending. It comes with an annual free night certificate and offers an attractive welcome bonus that can be used to book a rewarding getaway.

Read the Full Marriott Bonvoy Boundless Review.

Types of Chase Credit Cards

Chase issues Visa and Mastercard network-branded cards but not American Express or Discover network-branded cards. It offers the following types of credit cards:

  • Generic travel points
  • Cash back cards
  • Co-branded partner loyalty programs
  • Small business credit cards
  • 0% APR promotions
  • Student cards

Chase does not offer a secured credit applying for 2 chase credit cards at this time.

Is a Chase Credit Card Right for Me?

Chase offers credit cards that attract a diverse set united bank mobile app customers using a variety of rewards programs, welcome bonuses, benefits, annual fees, and interest rates. The majority of its credit cards earn rewards, like the Chase Freedom Unlimited (cash back), United Explorer (airline miles), and Chase Sapphire Preferred (general travel points). Chase is an excellent match for customers who pay their balance in full each month to avoid interest while earning rewards on their purchases.

Chase Credit Card Benefits

Its cards include a variety of benefits that cater to its target customer, like airport lounge access for the Chase Sapphire Reserve. Benefits like purchase protection and extended warranty protect your purchases and are included with a majority of its cards. Chase also provides free credit scores to customers through its Credit Journey program.

Fees for Chase Credit Cards

Customers can choose from a variety of annual fees with Chase, ranging from $0 to $550 per year. While some people are hesitant to pay an annual fee, many others feel that the benefits received far outweigh the fees that they pay.

Many of its credit cards waive foreign transaction fees, which can be up to 3% of any international purchase. A handful of its cards still charge this fee, like the Chase Freedom Unlimited, so double-check before departing on an international vacation.

Interest Rates for Chase Credit Cards

Most of the Chase credit cards have interest rates starting in the 14% to 17% range. However, depending on your creditworthiness, your rates may be higher. If you pay your statement balance in full each month by the due date, you will not be charged any interest for your purchases.

Some of its credit cards have 0% APR promotions on balance transfers, purchases, or both. These offers provide extra time to pay off your balance before being charged interest.

How Chase’s Ultimate Rewards Program Works

Chase issues numerous cards that earn Ultimate Rewards, which can be redeemed for travel, gift cards, Amazon.com gift certificates, and Apple merchandise or transferred to Chase travel partner loyalty programs (like Hyatt, Marriott, and United Airlines), usually on a 1:1 basis. Chase’s premium travel card, Sapphire Reserve, offers a 50% premium on Ultimate Rewards points when they're redeemed for travel through the UR travel portal, while the Sapphire Preferred and Ink Preferred provide a 25% premium.

The following Chase cards offer Ultimate Rewards:

  • Chase Sapphire Reserve
  • Chase Sapphire Preferred
  • Chase Ink Preferred
  • Chase Freedom
  • Chase Freedom Unlimited
  • Chase Freedom Student
  • Ink Business Preferred
  • Ink Business Unlimited
  • Ink Business Cash

For more details on Ultimate Rewards, please see our Ultimate Guide to Chase Ultimate Rewards.

Aside from Applying for 2 chase credit cards Ultimate Rewards program, the bank offers other rewards cards that include cash back (both flat rate and ones with bonus cash back on quarterly rotating categories) and partner-based programs like airline, hotel, and retailer loyalty points.

What Credit Score Is Needed for a Chase Credit Card?

Chase generally requires excellent credit for most of its card products but does offer a few cards aimed at those with merely good credit. Excellent credit typically requires a FICO score of 740 or better, while a good credit score starts at 670. The Chase Freedom Student Card is targeted to young adults that are just starting out, but it also requires a credit score of 670 or greater. Chase does not offer cards for fair or bad credit and doesn't have a secured credit card.

You can apply for a Chase credit card online 24 hours a day through our referral links above. When applying for a personal Chase credit card, you'll need to provide the following information:

  • Full name
  • Address
  • Type of residence
  • Date of birth
  • Mother's maiden name
  • Email address
  • Phone number
  • Social Security number
  • Total gross annual income
  • Source of income

Many applicants will receive an instant decision with their new credit limit. If you're approved, you should receive your new card in 7 to 10 business days.

Pending applications can call Chase at 800-432-3117 to discuss the application and answer any questions they might have. Or you may choose to wait until a letter arrives in 7 to 10 business days that explains their decision or requests additional information.

Does Chase Have a 5/24 Rule?

Chase uses an in-house guideline to manage its card risk, called the 5/24 Rule. It will not approve applicants who have opened five or more accounts in the past 24 months. This rule applies to any new credit card accounts, not just those with Chase. Small business credit cards generally do not count toward this limit because most banks do not report them to your personal credit report.

What Is the History of Chase?

Chase credit cards are issued by Chase Bank, N.A., which itself is part of the retail banking arm of financial services behemoth J.P. Morgan Chase, the largest banking organization in the U.S. and sixth-largest in the world. J.P. Morgan Chase has grown over time through the acquisition and merger of multiple large banking organizations in what counties are near me past 20 years, such as Bank One, Chemical Bank, and Washington Mutual. The biggest of these was the merger of J.P. Morgan and Chase Manhattan Bank in 2000, which resulted in the company's new name applying for 2 chase credit cards branding.

Chase issues many rewards cards to consumers, students, and small business owners, with rewards that include both cash back and points. Its cards also provide options for cardholders wishing to transfer balances and manage spending. Chase has partnerships with numerous major airlines, hotels, and retail organizations and offers specialized rewards programs through co-branded credit cards. Partnerships include Amazon, Disney, Hyatt, Marriott, IHG, United Airlines, and Southwest Airlines.

Methodology

To find the best Chase credit cards, we analyzed every publicly available credit card offered by the bank. We gathered data points on each card, including annual fees, interest rates, welcome bonuses, earnings power, benefits, and more. Each data point was assigned a score and ranked against other Chase cards to pick the best for each category. We continuously monitor data from card issuers to update our rankings and ensure that we're presenting the most accurate information to our readers.

MEET OUR CREDIT CARDS EXPERT

Ben Woolsey is Investopedia's Associate Editorial Director of Financial Products and Services, including credit cards. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content for CreditCards.com and Bankrate.com.

Источник: https://www.investopedia.com/best-chase-credit-cards-5071388

Ultimate Guide To Applying For Multiple Chase Ink Business Cards

There is no question that Chase offers the most lucrative sign on bonuses and the best credit cards in the business. In reality, it really is down to between two companies in 2019-2020, American Express and Chase. My favorite card is still the Chase Sapphire Reserve which I use on a day to day basis. However, the Business Chase Ink Preferred offers the most lucrative sign on bonus at 80,000 points after spending $5,000 in 3 months. You can combine that with the two other business credit cards in Chase’s Ink portfolio, the Ink Unlimited and Ink Cash which are both offering a whopping 50,000 points sign on bonus.chase ink busines

What most people do not know is that you can game the system and actually apply for multiple of the same credit card as one person. Yes, this means you can apply for not one, but two Chase Ink Preferred credit cards and get 160,000 Ultimate Rewards points. Only Chase allows you to do this (AMEX does not). This post will lay out exactly how to go about doing this and proof of me doing so! This is all part of my travel hacking and credit cards guide which is lays out everything involving credit cards.

Contents

What to know about Business Credit Cards


There are a few noticeable differences between personal credit cards and business credit cards. The primary difference is that the business credit card does not go onto your personal credit report. The impact on your credit score will be very minimal even if you have 5 or 10 business cards. This is especially important when applying for Chase credit cards (both personal and business) because of the Chase 5/24 rule. To better understand this rule and why Chase cards are the best credit cards, read my Chase credit cards guide.

There are many other nuances that can span multiple posts, so luckily I’ve written such a post that goes into detail about business credit cards, do you actually need a business, how it affects your credit score and more. If you have not applied for a business credit card before, make sure to read that post before continuing otherwise this may be confusing.

What are the Chase Ink Business Credit Cards


Okay so now you’re a pro or at least aware of how business credit cards works. For the purpose of this post, it is to maximize taking advantage of Chase business cards so I am only focusing on the following:

  • Chase Ink Preferred
  • Chase Ink Unlimited
  • Chase Ink Cash

I will not be talking about their personal cards with include

  • Chase Sapphire Preferred
  • Chase Sapphire Reserve
  • Chase Freedom
  • Chase Freedom Unlimited

What do the Chase Ink cards offer? A LOT of free Ultimate Rewards points. If you’re not familiar with UR points, they are considered the most lucrative points in the game. You can use them to book travel at a discounted rated (1.5 cents per point if you hold the Chase Sapphire Reserve so 80,000 points equates to $1,200 in travel).

qsuites qatar airlines business class

Flying Qsuites on Qatar Airlines, the best Business class product in the sky.

You can transfer them to airlines and book business class travel which is a great ROI. Alternatively, you can transfer them to hotel programs like Hyatt and stay at amazing places like the Park Hyatt Hadahaa in the Maldives.

Maldives overwater sunset villa park hyatt hadahaa drone

Relaxing at our amazing overwater villa in the Park Hyatt maldives thanks to all our Hyatt points.

Here are the details of Chase’s Ink portfolio and their respective sign on bonuses.

These bonuses and minimum spend requirements have changed in 2020. I’ve updated them in the below section but for the purpose of the rest of the post, ignore the points examples as they will be outdated. However, the ethos of applying for multiple Ink cards is still the same. 

Chase Ink Preferred

Chase ink preferred

Sign on bonus: 100,000 UR points after spending $15,000 in 3 months
Annual Fee: $95, not waived for the first year
Card Details: 3x per $1 spent on the following categories, 1x on everything else

  • Travel
  • Shipping purchases
  • Internet, cable and phone services
  • Advertising purchases made with social media sites and search engines

Apply for this card!

Chase ink Unlimited

Sign on bonus: 70,000 UR points after spending $7,500 in 3 months
Annual Fee: $0
Card Details: 1.5x per $1 spent on everything

Apply for this card!

Chase Ink Cash

ink cash chase

Sign on bonus: 75,000 UR points after spending $7,500 in 3 months
Annual Fee: $0
Card Details: 5x back on office supply stores, and internet/cable/phone services, 2x back on gas stations and restaurants, 1x on everything else

Apply for this card!

How to get two chase Ink Preferred business cards


This is where the meat of the post will be so pay attention to this! For the slightly above average Joe that is into credit card churning, it is simple to apply for all three cards in Chase’s business portfolio and get approved. This means you can have all three Ink credit cards (Ink Preferred, Ink Unlimited, Ink Cash) at the same time which means you’ll have garnered a combined 80,000 + 50,000 + 50,000 = 180,000 UR points! This is a lot of points for anybody.

But what if you want more?

For the pros and the greedy, this is where it gets interesting. By applying for an EIN (Employee Identification number) which is what you’ll need to start a Sole Proprietorship or LLC, you can essentially apply for the same card a second time under a different business name. This means that if you have an EIN, you can apply for the same card again by using your EIN as your Business Tax ID instead of your social security number. Chase sees this as two separate applications, and therefore two credit cards with two sign on bonuses.

Essentially, this means you can apply for two Chase Ink Preferreds for 80,000 x 2 = 160,000 sign on points, or two Chase Ink Unlimited cards for 50,000 x 2 = 100,000 points. Confused? Yes it certainly can be and is why I always use a spreadsheet to track all my cards. Step by step it will look like this:

Apply for the first Ink Preferred using your SSN only

When filling out a business card application, Chase breaks the application down into two sections, one for your “business”, and the other for your personal details. On the business section, Chase will ask for your Tax ID number. The tax ID number is your EIN but you are not required to have one if you are a sole proprietorship, which is essentially doing business as yourself (think of doctors or dentists). You can use your SSN in place of your Tax ID instead. As such, for your business name, you can just put your personal name. For more details about how to fill out these applications, make sure to read my business credit card guide. 

For your personal section, fill this out with your details and your SSN number as you would any other credit card application. Your business and personal sections will look quite similar in this case. This application is what we like to call the SSN application as you are only using your social security number.

I’ve filled out an application online as the following from Chase:

how to fill out chase ink application

How to fill out the chase ink application. You can see the Tax ID number and the SSN number are the same.

Apply for the second Ink Preferred using EIN and SSN

After waiting at least two months, you should be safe to apply for your second Chase Ink Preferred card. This time, you are using an actual EIN number (details on how to get one below) instead of your SSN for your business section. Whatever your business name is registered as, make sure to use that in the Business name section. You can still be a “sole proprietorship” even with an EIN so I would continue to select that as your type of business. For your personal section, keep it the same as the first card. This method is called the EIN + SSN method.

The application for the second card will look something like this:

You can see for the second application, the Tax ID and the SSN are different numbers.

By using your EIN on your second application, you are essentially filing a completely new application under a new business. Your personal section is still used to analyze your credit report (so if you cannot get approved for the first Chase Ink Preferred, then you will not get approved for the second) but using your EIN means you are now applying as a separate business.

Applying for an EIN


Applying for an EIN is very straight forward. Absolutely anyone can apply for an EIN and you don’t even need a real business. Perhaps you are planning to start a business, or perhaps you just think having an EIN sounds cool. Whatever the reason is, it is very easy and quick to get an EIN number from the Government.

When you’re ready, just visit the IRS website for EIN applications to apply for your own number. The application is not very complicated (just select sole proprietorship) and you should be able to get an EIN immediately after applying.

How long to wait between applications


So now you’re ready to apply for multiple Chase Ink cards which is great. However, you’ll need to space out your applications because Chase has a concrete anti-churning rule called the 2/30 rule. This states that they will not issue more than 2 cards in a 30 day period. This is any two cards. So at the very minimum, wait 30 days between applications.

However, I like to wait at least 1.5 months to be on the safe side. This means if I applied for the Chase Ink Preferred on Jun 20, I would only apply for a second Chase Ink Preferred or a Chase Ink Unlimited from August 1 at the very earliest. I mean you’re getting thousands of dollars for free so don’t try and raise any red flags.

Self Referring yourself to the second Ink Preferred


Currently, and this could change at any minute, you can refer a friend to the Chase Comenity dressbarn credit card payment Preferred and receive a whopping 20,000 UR sign on bonus.

The pros trick is that you can actually refer yourself if you want to apply for the second Ink Preferred card since technically, you’re two entities. This means you can apply for your first Ink Preferred credit card and get applying for 2 chase credit cards 80,000 points, refer yourself to get 20k and get another 80,000 on your second Ink Preferred.

  • First Ink Preferred Card = 80,000 bonus points
  • Referral bonus for referring yourself to the second card = 20,000 points
  • Second Ink Preferred card = 80,000 bonus points
    _______________________________________________________________
  • Total = 180,000 bonus points, or at minimum $2,700 dollars towards travel!

This is exactly what I did and combined with the sign on bonus with the Ink Unlimited (just one card for now), that’s almost 250,000 UR in sign on points within a few months time!

What if I have more than one EIN?


If you already have an EIN through your Sole Proprietorship, you can get a new one through an LLC from the same IRS website. This means yes, you can essentially apply for another Chase Ink Preferred. If you have multiple EINs, technically you can apply for even more of the same cards.

While I’ve not indulged in this, I’ve read cases of people being able to get 4 or 5 Ink Preferreds for one person! This means, assuming they self referred themselves every time, they’re looking at almost a half million UR points!

A study case for another time!

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How to Combine Chase Ultimate Rewards From Multiple Credit Cards

If you have multiple Chase Ultimate Rewards earning credit cards, being able to combine the points earned on each card provides you the capability to maximize the value received from all of your rewards. The reason you want to combine your points is that the value of an individual point and its options for redemption is limited by the credit card with which it is associated.

How Much Is Each Point Worth?

What Card(s) Are The Best to Combine To?

The Sapphire Reserve is the single best card to combine all your Ultimate Rewards. It provides the best redemption rate at 1.5¢ per point, allows you to transfer to partners like JetBlue, United, and Hyatt, and also comes with fantastic travel insurance. Otherwise, consolidating to the Chase Sapphire Preferred® Card or the Ink Preferred will give you 1.25¢ per point in value and also allow you to transfer to travel partners. If you plan on closing a card account, you'll want to combine your points from that card before cancellation to ensure you don't lose your points.

How Do You Combine Points?

Combining points is an easy and instantaneous process. You can combine points with any cards that you are the primary cardholder, or cards belonging to one member of your household. If you hold a business card, you may also combine points with a co-owner of that business.

  • Log in to your account and click the Ultimate Rewards® / Use your points banner

Combine Ultimate Rewards - 01

  • Select any of the listed cards (it doesn't matter which one your pick)

Combine Ultimate Rewards - 02

  • Hover over your points balance and click Combine Points

Combine Ultimate Rewards - 03

  • In the left column select the card from which you want to move points and in the right column pick the recipient and click Continue.

Note: If the card is not listed here and you want to transfer to a household member or a co-owner of a business (if you have a business credit card), you'll want to select Add household member to add the card to your profile.

Combine Ultimate Rewards - 04

  • Enter how many points you can to move and click Review.

Combine Ultimate Rewards - 05

  • Review the transfer. Click Confirm & Submit.

Note: While there is no “undo” functionality, you can instantly transfer points back to the source card as well.

Combine Ultimate Rewards - 06

  • Note the transfer has completed. You can then visit either linked card and complete any redemption.

Combine Ultimate Rewards - 07

In Conclusion

Combining Ultimate Rewards is a fast and free process to ensure you'll always get the best possible value from your points. A good time to combine points is whenever you're thinking about redeeming for travel. It doesn't cost a thing and gets you in the habit of ensuring your points are associated with the card that provides the highest possible value.

AwardWallet Tip of The Day

Did you know that you can automatically import all of your travel plans from AwardWallet into your calendar? All you have to do is to grab the iCal link from the left menu of your timeline and create a calendar subscription in your preferred calendar.
Show me how

Источник: https://awardwallet.com/blog/combine-chase-ultimate-rewards-multiple-credit-cards/

Chase Credit Card Application Status 2021: Don’t Miss These Steps Again

It’s a little tactical to verify your Chase credit card application status because of the various notifications you will get when your application is not automatically accepted.

When you apply for a new credit card and don’t get immediate approval, you might freak out on what your next action should be, the wait can be draining.

In this post, we will go over everything you need to know about your Chase credit card application status and what to do if you aren’t immediately approved.

Chase provides some of the best credit cards out there with travel rewards. While waiting for the decision on your credit card application, hang in there, it will be worth it when with each payment you receive valuable points.

Before we lay out steps to check your credit card applying for 2 chase credit cards status, let’s briefly look at answers to specific questions you may have about your Chase credit card application status.

How long does it take for Chase to process a credit card applying for 2 chase credit cards takes 7-20 business days to get a credit card from Chase, from the time you apply to when you get your Chase card in the mail.

It can take up to 10 business days to receive an application decision, though it’s possible you’ll be approved instantly if you apply online.

How long should I wait to apply for another credit card after being denied?

6 months. The duration to wait before reapplying for a credit card after an application is denied varies with each person’s situation, so there’s no hard-and-fast timeline to follow. The typical recommendation is that you should wait six months between credit card applications

SEE: Does Insurance Cover Therapy? A Health Insurance View

What are Chase’s Framework Guidelines for Credit Card Application?

There are rules for all banks as to how frequently you can apply for credit cards. These rules are in place to restrict the amount of credit that banks spread to a person and deter those who try to play with the system.

Chase is no exception to these rules, and among card issuers, they are known for having some of the strictest ones. Yet some of the best travel rewards credit cards out there come with the strictest criteria!

Chase has some of the best credit cards on the market for travel rewards, but when it comes to how many cards you can qualify for, they also have some of the harshest rules. Before you apply for another credit card, make sure you recognize the 5/24 rule, the 2/30 rule, and the Sapphire limits. Image Credit: Chase

The 5/24 Rule of Chase

The rule of 5/24 is not a rule written, but it is very much alive and well. It says that you can’t open 5 or more personal credit cards across ALL BANKS in the last 24 months (with a few exceptions) to be accepted for some Chase credit cards (including some of the most common, such as the Chase Sapphire Preferred ® Card).

What exactly does 5/24 count for?

1. New personal credit cards that every bank has opened for you. Even if you close these home remedy for bad earache later, they are still counted down to the 5/24 law.

2. Retail credit cards, such as cards from Victoria’s Secret, Best Buy, and Amazon stores.

3. Being linked to someone else’s credit card account as an approved customer.

4. Capital One business cards, Discover, and several other banks. The good news is that company credit cards under the 5/24 clause DO NOT count against you.

The 5/24 rule did not affect many personal Chase cards until November 2018. Unfortunately, it seems that the following cards ARE now affected as of November applying for 2 chase credit cards. (This data is crowd-sourced, which means Chase has not checked it.)

The Law of 2/30

This one is a little less well-known than the law of 5/24. You can’t open more than 2 personal credit cards or 1 business credit card within a 30-day period, according to this law.

This is not a verified, published rule, much like the 5/24 rule, but it is supported by loads of user-reported data.

Why Chase May Approve Your Credit Card Application Immediately?

Here are some of the reasons your Chase credit card application may not be immediately accepted;

1. There are so many credit cards you have applied for. For those of us who enjoy the excitement of credit cards for travel rewards (myself included), this can be a challenge. After the introduction of the 5/24 rule, Chase is extremely tough on this one; scroll down for more detail about these constraints.

2. With Chase, you already have a lot of credit. If you have a few Chase credit cards available already, you might be approaching the top credit cap they are able to extend to you.

3. A small business credit card you are applying for. Small business apps can be more complex than those with personal credit cards. To applying for 2 chase credit cards the information of your business, you may need to provide Chase with some additional documents.

4. On the application, you made a mistake. Often, the pending status of an application may be attributed to a simple typo or other unintended mistakes.

Attempting to open so many cards in a short period of time is one reason why a Chase credit card may not be accepted immediately.

You probably won’t be accepted if you’ve opened 5 + credit cards (from any bank) in the previous 24 months.

Furthermore, your new application is likely to be rejected if you have opened 2 + personal Chase cards or 1 Chase business card in the previous 30 days.

How Can I Contact Chase?

For contacting Chase, here are some frequently needed phone numbers:

  • Reconsideration (Personal): 888-270-2127
  • Reconsideration (Business): 800-453-9719
  • Customer Service (Personal): 1-800-432-3117
  • Customer Service (Business): 1-888-269-8690
  • Check Application Status (Personal): 1-888-338-2586
  • Check Application Status (Business): 1-800-453-9719

Chase Credit Card Application Status

There are basically 2 ways of checking ones Chase Credit card application; by phone and via the internet (online).

How To Check Your Status Online?

You can check your application status online if you are already a Chase customer. To check your application status online, log into your account, click the main menu icon at the top left of the page (three horizontal lines), and click on “Application Status.”

Along the left side of your computer, a menu will pop up. Scroll to the bottom all the way down and you’ll see a tab that says Application Status. To check the current status of your Chase credit card application, click on it.

How To Check Your Status By Phone?

  • For Individuals: To verify your Chase credit card application status by phone, call the application status line on 1-800-432-3117, follow the instructions and enter your Social Security number.
  • For Corporate Bodies: Call 1-800-453-9719 for corporate applications.

Ultimate Thoughts

It can be stressful to apply for a new credit card, particularly if you do not get accepted immediately. But don’t worry; an application “pending” does not automatically mean that you will be rejected.

It may be attributable to applying for 2 chase credit cards as basic as your application’s tiny typo. Try calling the Chase reconsideration line to argue your case if you aren’t accepted immediately. After a fast verification of some basic details, you could be accepted.

The information contained in this article should enable you resolve all worries from waiting for your application status approval.

Finally, whatever your choices, ensure you resolve whatever issues with your credit cards.

RECOMMENDED: Is Zipcar legit or scam? How does Zipcar work in 2021?

References

IhuomaChidire

IhuomaChidire Madu is a Nigerian-based lawyer, activist and gender advocate. As a financial management expert, she has proof that you can grow wealth from your savings. IhuomaChidire identifies herself as a Smart Money Woman and targets clinching the first-squilionaire status globally. She is an emerging Young African Leader and a professional, prolific writer across all genres of writing, with several years of writing experience. Travel, arts and technology are her interests. If you seek financial management and investment consultations, IhuomaChidire is your most realistic, professional plug!

Источник: https://worldscholarshipforum.com/wealth/steps-to-check-chase-credit-card-application-status/

How Two Chase Credit Cards Can Quickly Earn You 140K+ Points

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The Chase Sapphire Preferred® Card is one of our favorite travel rewards credit cards. Right now, it has a welcome bonus offer of 60,000 Chase Ultimate Rewards points after spending $4,000 in the first three months. But that big bonus doesn’t mean it should be your go-to card forever. Just the opposite.

Once you’ve earned that welcome bonus, you’d be better off putting some of your grocery shopping and many other everyday expenses on a different credit card. And that’s where the Chase Freedom Flex and Chase Freedom Unlimited®cards come in.

These two Chase credit cards have no annual fee and typically earn cashback. But pair them with the Chase Sapphire Preferred Card or even the Chase Sapphire Reserve®, and it forms a powerful tandem that can help you earn even more Chase Ultimate Rewards points.

We’ll walk you through why you may want to pair one of these cards alongside your Chase Sapphire Preferred Card – and how you can earn a quick 140,000 Chase Ultimate Rewards points (and then some). It’s a powerful duo for your wallet.

 

Chase Freedom Flex vs. Freedom Unlimited

What’s the difference between these two Chase credit cards?

Chase introduced the Freedom Flex Card last fall as a replacement for the wildly popular Chase Freedom Card, which is no longer available for new applications. At the same time, Chase updated the benefits of the Chase Freedom Unlimited to make that card even stronger.

So let’s take a look at what each card offers.

 

Chase Freedom Flex

  • Welcome Offer Bonus: Earn a $200 bonus after spending $500 in the first three months of card membership.
  • Earn 5% back on grocery spending (excluding Walmart & Target) on up to $12,000 spent in your first year of card membership. This is a limited-time offer.
  • Earn 5% cashback on rotating quarterly categories on up to $1,500 of spending which could include:
  • Earn 5% cashback on travel booked through the Chase Ultimate Rewards portal
  • Earn 5% cashback on Lyft rides through March 2022.
  • Earn 3% cashback on dining, including takeout and delivery services
  • Earn 3% cashback at drugstores
  • No Annual Fee!

 

chase freedom flex card

 

Click Here to learn more about the Chase Freedom Flex Card. 

 

Chase Freedom Unlimited

  • Welcome Offer Bonus: Earn a $200 bonus after spending $500 in the first three months of card membership.
  • Earn 5% back on grocery spending (excluding Walmart & Target) on up to $12,000 spent in your first year of card membership. This is a limited-time offer.
  • Earn 5% cashback on travel booked through the Chase Ultimate Rewards portal starting Sept. 15, 2020.
  • Earn 5% cashback on Lyft rides starting Sept. 15 through March 2022.
  • Earn 3% cashback on dining
  • Earn 3% cashback at drugstores
  • Earn an unlimited 1.5% cashback on all other purchases.
  • No Anual Fee!

 

chase freedom unlimited card

 

Click Here to learn more about the Chase Freedom Unlimited Card. 

 

These cards clearly have a lot of overlap. They’re designed to be a mainstay in your wallet, a smart way to pay for many of your everyday expenses. And while the Chase Sapphire Preferred is worth keeping longterm, it’s not the right card to keep swiping day in and day out.

The biggest difference is that the Chase Freedom Flex earns 5% back (on up to $1,500 of spending) on a set of rotating quarterly bonus categories. Stay up-to-date on the latest Chase Freedom Flex bonus categories!

Meanwhile, the Chase Freedom Unlimited earns an unlimited 1.5% cashback on all other spending. That makes it a good catch-all card for your other spending – especially if you feel you can’t max out the Chase Freedom Flex bonus categories.

One other critical difference: Unlike the Chase Freedom Unlimited Card, the new Freedom Flex card isn’t from Visa. It’s a World Elite Mastercard. That may seem like a meaningless change, but it opens up even more benefits like cell phone insurance, earning free Lyft credits, discounts on Postmates deliveries, and more. See all the World Elite Mastercard benefits.

While Chase technically allows you to hold both the Freedom Unlimited and the Freedom Flex, you only need one to pair with your Chase Sapphire Preferred (or Reserve) Card.

 

Why You Should Pair a Freedom with a Sapphire Card

The one-two punch of holding a Chase Freedom card with a Chase Sapphire Preferred or Reserve credit card is undeniable.

When you’ve got a Chase Sapphire card, the cashback your Freedom card earns can be turned into Chase Ultimate Rewards points. Every cent you earn equals 1 Chase point. Earning 5% cashback could also mean 5x Chase Ultimate Rewards points.

Let’s say you’ve got the Chase Freedom Unlimited and the Chase Sapphire Preferred Card. Just for spending $500 in the first three months of card membership on the Freedom Unlimited, I’ll earn a $200 cash bonus. And since I hold the Sapphire Preferred, that $200 can be turned into 20,000 Chase Ultimate Rewards points to use towards travel.

Both cards will earn more points in certain categories than you would earn with the Chase Sapphire Preferred card on its own. Holding one of the Freedom cards is a great way to make sure you squeeze the most value out of your everyday spending.

 

chase credit cards

 

And critically, you can open a Freedom card and also take advantage of the 60,000 point offer on the Chase Sapphire Preferred Card to earn 80,000 points total after spending only $4,500 in the first three months and paying one $95 annual fee (on the Chase Sapphire Preferred Card).

Then, because of the limited time offer to earn 5% back on up to $12,000 spent at the grocery store in your first 12 months of card membership, you can earn another $600 back – or 60,000 Ultimate Rewards points. That’s a total of up to 140,000 points from two credit cards!

Those points work out to at least $1,750 in free travel – not bad for paying just $95 in annual fees.

 

Chase Sapphire Preferred Card

 

Click Here to get more information about the Chase Sapphire Preferred Card. 

 

 

How to Responsibly Earn the Bonus on Chase Credit Cards

Let’s be clear about something: Spending $4,500 in three months is no small task. And spending the full $16,500 in the first year to earn the full 140,000 points can be even more difficult. If you don’t think you can do it responsibly, you shouldn’t try.

Credit cards are serious business, and debt is a major problem applying for 2 chase credit cards this country. If you charge expenses you can’t pay off immediately, paying back high-interest rates will negate the value of whatever points you earn and also harm your credit score.

But if you can meet the spending requirement responsibly, this is a fantastic strategy to earn capital one spark business credit card customer service number big Chase bonuses – and then keep earning Chase points on your everyday spending. With a $12,000 spending cap to earn the entire grocery bonus on a Freedom Card within the year, that’s $1,000 in grocery bills each month. For many American families, that’s more than reasonable.

If spending $4,500 in three months community bank credit card login like a stretch, keep in mind that there are creative ways to responsibly hit those minimum spending requirements.

 

Bottom Line

Pairing one (or both) of the Chase Freedom cards with a Chase Sapphire Card is a powerful points-earning duo. You’ll unlock more points upfront, and maximize more of your everyday spending from thereon out.

Because of the Chase 5/24 rule, we always suggest prioritizing Chase credit cards as you work to earn points to fuel your future travels. And with this many potential points on the table, the time is ripe.

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Источник: https://thriftytraveler.com/guides/points/two-chase-credit-cards-140k-points/

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Bank of America® Customized Cash Rewards

$200 online cash rewards bonus offer and 3% cash back in the category of your choice

4.4/5 stars based on 8,949 customer reviews

  • 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and 1% cash back on all other purchases Calculate rewards
  • Your choice categories include: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. To change your choice category for future purchases, you must go to Applying for 2 chase credit cards Banking, or use the Mobile Banking App. You can change it once each calendar month, or make no change and it stays the same.
  • Introductory 0% APR for your first 15 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 13.99% to 23.99% will apply. 3% fee (min $10) applies to balance transfers.
  • Preferred Rewards members earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 5.25% and the 2% at grocery stores and wholesale clubs could go up to 3.5%, for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, and the 1% for all other purchases could go up to 1.75%. Not enrolled? Learn more about Preferred Rewards Cash Rewards.
  • This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.

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Bank of America® Premium Rewards®

50,000 online bonus points offer (a $500 value)

4.2/5 stars based on 1,346 customer reviews

  • Earn unlimited points, that don't expire – 2 points for every $1 spent on travel and dining purchases and 1.5 points per $1 on all other purchases. Calculate Rewards Premium Rewards
  • Get up to $200 in combined Airline Incidental and TSA Pre✓®/Global Entry Statement Credits. Plus, access to world class travel perks: travel and purchase protections, luxury hotel collection and concierge service.
  • Redeem for cash back as a deposit into Bank of America® checking or savings accounts, for credit to eligible Merrill® accounts including 529 accounts, as a statement credit to your credit card, or for gift cards and purchases at the Bank of America Travel Center
  • Preferred Rewards members earn 25%-75% more points on every purchase. That means you could earn up to 3.5 points for every $1 you spend on travel and dining purchases and up to 2.62 points for every $1 you spend on all other purchases. Not enrolled? Learn more about Preferred Rewards Premium Rewards
  • This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.

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Источник: https://www.bankofamerica.com/credit-cards/

Rules to Know for Chase Credit Card Applications (Chase 5/24, 2/30, One Sapphire Rule)

You can have an open Chase Sapphire Reserve, Chase Sapphire Preferred® Card, OR a Chase Sapphire card, but not more than one at a time.

Exceptions to the “One Sapphire Rule”:

  • If you had more than one Chase Sapphire health care options contra costa county before the rule kicked in August 2018; then your cards are grandfathered.

  • You can product change a card to have multiple Sapphires

Chase Sapphire 48-Month Rule

In addition to the “One Sapphire Rule,” you can only receive an intro bonus to a Chase Sapphire card once every 48 months (4 years).

For example, if you receive an intro applying for 2 chase credit cards for the Chase Sapphire Preferred in Jan 2018, you would have to wait until Jan 2022 to receive another Chase Sapphire bonus.

If you were to downgrade the Chase Sapphire Preferred in Jan 2019 to a Chase Freedom card and apply for the Chase Sapphire Reserve, you would not qualify for the bonus due to the 48-month rule.

Again, the 48-month rule only applies to the Chase Sapphire family of cards.

If you are an authorized user on a Chase Sapphire card and you want to get your own, be sure to remove yourself as an authorized user before applying.

“One Southwest Rule”

Источник: https://www.asksebby.com/blog/rules-to-know-for-chase-credit-card-applications
applying for 2 chase credit cards

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