The offer on the card_name just popped up to 75,000 points after spending $4,000 within the first 3 months. There is also an 85k offer available in Chase branches but for that offer you need to spend $6k. (Usually, Chase will match the in-branch offer even if you applied online by calling Chase or sending them a secured message to ask them to match).

The 11 points to ponder before you apply

1. It’s under the Chase 5/24 rule

The card_name is under the Chase 5/24 rule. Meaning, if you’ve already opened 5 personal credit cards (any personal card with any bank) within the past 24 months, then Chase will not approve you for this card.

Most business cards are not included in this rule since many banks don’t report business cards to the credit bureaus. 

Also, if you are only an authorized user on a card, you can call the reconsideration department at 1-888-609-7805 to point out the authorized user status and they will disregard the card.

2. Only one Sapphire card rule

Chase will not approve you for this card if you already have any other Sapphire card open. This includes the Sapphire, card_name, and card_name (downgrading the card from a Sapphire to a Freedom card will help, just wait 48-72 hours after the downgrade before you apply in order to give time for the downgrade to register).

3. Welcome bonus 48 month rule

You are also not eligible for a new Sapphire card if you’ve received a bonus on any Sapphire card (card_name or card_name) within the past 48 months.

If you’re not sure when you received your last bonus then you can try to apply. If you received the bonus within 48 months you will be denied instantly but Chase will not pull your credit if rejected for this reason. So there is nothing to lose.

You can also check the CardRight app as we keep track of these rules for you. 

4. Up to 2 cards per 30 days

Besides the 5/24 rule, Chase has another rule where you can only get approved for up to 2 Chase credit cards per 30 days, with personal and business cards counted separately. That means you can open 2 Chase personal cards within 30 days and 2 Chase business cards within 30 days.

5. One year credit history

Chase will usually only approve you for the card_name if you have a credit history of at least 12 months. Credit history should be on your own credit card, not an authorized user. Your credit score should preferably be a minimum of 720+.

6. Reconsideration option

If you apply for the card and get declined, you will have the option to have the application reconsidered. What you do is, once you get declined, you call the Chase Underwriting Department at 1-888-609-7805. If you call within 30 days from when you applied, Chase won’t do another hard credit pull to get your application reconsidered. You’ll ask them to please have another look at the application. They have a friendly group working in the department and they’ll do that gladly.

You may want to ask to reallocate an existing Chase credit limit from another Chase card (you can only do personal to personal or business to business).

If they tell you you’ve been declined because you have 5 or more cards opened within 24 months (Chase 5/24 rule) they will not reconsider the application. The only exception, as I’ve mentioned above, is if one of the 5 cards is an authorized user card. Then you can point that out to them and they will remove it as one of the 5 cards. In that case, if it’s then less than 5 cards, Chase may reconsider your application.

7. Application status

You can always check the status of your application once you submit it. You can either call 1-888-338-2586 or check the status online. To check online, log in into your Chase.com account, go to Customer Center on the right-hand side, and click on Check My Application Status. This tells you if your application has been received, is still pending, has been declined, or has been approved.

8. Credit bureau pull

When you submit an application for the card_name, Chase bank will usually pull your Experian credit report.

9. Annual fee is not waived

Some cards don’t have an annual fee. Some cards have an annual fee that is waived the first year. The card_name has a $95 annual fee that is not waived the first year. This should not put you off because the welcome offer of 75,000 points, far outweighs the $95 annual fee you’ll be paying from the start so it’s well worth it.

10. Express card available

Once you’re approved for the card, you can get the credit card real quick. You can ask Chase to overnight the card and you’ll have the actual credit card by the next day.

11. Approvals in numbers

Chase is approving generously for the card_name. Within the past few months, there have been many approvals reported in our Credit Card Database. The average credit score of the applicants who applied and were approved is 746. The credit limits they were approved for range from $5,000 to $23,500.

Get yours today!

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