- 1 Chase Sapphire Reserve Credit Score: What You Need to Know
- 1.0.1 How to Get Approved for Chase Sapphire Reserve
- 1.0.2 3x points on travel and dining
- 1.0.3 1:1 Point Transfer to Leading Airline and Hotel Loyalty Programs
- 1.0.4 What is the Best Chase Credit Card to Get for 2018?
- 1.0.5 Credit Score Needed for Chase Sapphire Reserve
- 1.0.6 Chase Sapphire Reserve Application
- 1.0.7 What Can You Do If You Don't Get Approved?
- 1.1 Compare Chase Sapphire Reserve to:
- 1.1.1 The Platinum Card® from American Express
- 1.1.2 Capital One® Venture® Rewards Credit Card
- 1.1.3 You might also be interested in
- 1.1.4 Credit Cards for International Travel
- 1.1.5 Credit Cards for International Travel
- 2 Track Your Chase Sapphire Reserve Travel Credit Status
- 3 2018’s Chase Sapphire Credit Limit & Benefits: Pre-Qualify Online
- 3.1 Cardholders See an Average Credit Limit Around $10,000
- 3.2 Earn the Popular Ultimate Rewards Points & Save on Travel
- 3.3 Pay No Foreign Transaction Fees & Enjoy Other Card Benefits
- 3.4 Pre-Qualify Online to Determine Your Chances
- 3.5 Chase Sapphire: A Top Choice for Travel Rewards
- 3.5.1 OMG OMG I'm so excited ARE YOU GUYS EXCITED it's just a credit card BUT I WANT IT SO BAD
- 3.5.2 The application link doesn't show anything about a bonus?
- 3.5.3 How do I generate a referral link?
- 3.5.4 The CSP has been popular for years, what are the differences between both cards?
- 3.5.5 Any difference in insurance coverage between the CSP and the CS(R)?
- 3.5.6 I already have a CSP and I plan on opening the CS(R), should I keep both?
- 3.5.7 Does the 1.5cpp only apply to points earned on the CS(R)?
- 3.5.8 My credit score is XXX and my income is $XXk, will I be approved for this card? What are my chances?
- 3.5.9 Does the 5/24 rule apply to this card?
- 3.5.10 Can I switch to this card from another Chase card?
- 3.5.11 Is the annual fee waived the first year?
- 3.5.12 Is the annual fee waived for military?
- 3.5.13 Why are people getting so excited about a card with such a high annual fee? How is it worth it?
- 3.5.14 How does the Priority Pass card work?
- 3.5.15 How does the $300 travel credit work?
- 3.5.16 How does the Global Entry / TSA Precheck benefit work?
- 3.5.17 How does the Visa Infinite $100 airfare credit work?
- 3.5.18 Are transactions covered by the travel credits counting towards the minimum spend?
- 3.5.19 When will I receive my signup bonus?
- 3.5.20 Is the card worth keeping after the first year?
- 3.6 Chase Sappire Reserve credit limits
Chase Sapphire Reserve Credit Score: What You Need to Know
This article contains references to products from our partners. We receive compensation if you apply or shop through links in our content. (read more)
You usually need an excellent credit score for Chase Sapphire Reserve (720+). But this is not the only approval factor. Find out how to improve your odds.
How to Get Approved for Chase Sapphire Reserve
The Chase Sapphire Reserve is one of the hottest luxury travel reward cards on the market.
But it's not so easy to get.
We break down the different factors Chase will usually consider, and what you can you do to maximize your chances.
We'll explain more below. But first, let's highlight the current Chase Sapphire Reserve promotions you should not ignore.
3x points on travel and dining
1:1 Point Transfer to Leading Airline and Hotel Loyalty Programs
What is the Best Chase Credit Card to Get for 2018?
Credit Score Needed for Chase Sapphire Reserve
You usually need an excellent credit score. But sometimes, even that won't guarantee an approval. And sometimes, you can be approved with a lesser-than-excellent score too.
There are multiple "credit scores" available. But in general, 720 is considered an excellent score. Most Chase Sapphire Reserve cardholders have "excellent" scores over 720, with an average of around 750. But people have also reported being approved with "good" credit scores under 700, some even as low as 650.
This is because the credit score is not the only thing that Chase considers when reviewing your application. They will look at other factors as well. We go over what they are next.
Chase Sapphire Reserve Application
Many things are taken into account during the decision process. Consider these factors to help improve your Chase Sapphire Reserve approval odds:
- Your credit score: Chase will usually pull your credit report from a couple of the three credit bureaus (Equifax, Experian, and TransUnion). Your scores may be different across each bureau. So banks will usually look at more than one to get a more complete overview.
Ready to apply? Click here to visit Chase' secure website for the online application form, including the latest promotion.
If you think you may not meet any of these factors, it doesn't mean you can't get approved. Read on.
What Can You Do If You Don't Get Approved?
If you get a rejection, it may not be the end. Here are a couple of things you can do.
- Call the reconsideration hotline: If you believe you have great credit and meet the criteria, you can talk to a representative. Chase has a line where you can explain your situation. This can help them better understand you and possibly reconsider the decision. Here are some tips:
- Be polite and ask if there's any more information you can provide.
The reconsideration number is 1-888-270-2127.
- Work on paying off the balances on your other credit cards. Don't miss or be late with any payments.
Remember, you don't only have one chance. You can apply again after your credit has improved.
The Chase Sapphire Reserve is not the easiest card to get, but don't be discouraged. Just having an excellent credit score does not mean guaranteed success. Nor does a less-than-excellent score mean automatic rejection. There are many factors that go into the final decision. But the bottom line is that it all depends on how well you can manage credit. Good luck.
Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.
Disclaimer: This content was first published on September 23, 2017. This content may have been updated on February 16, 2018. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check Chase website for updated information.
Disclaimer: The information for the Chase Freedom has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.
- Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
- 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Plus, no foreign transaction fees
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
- Up to $100 application fee credit for Global Entry or TSA Pre✓®
- No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Compare Chase Sapphire Reserve to:
The Platinum Card® from American Express
Premier Rewards Gold Card from American Express
Capital One® Venture® Rewards Credit Card
You might also be interested in
Chase Sapphire Preferred Review
Credit Cards for International Travel
Chase Sapphire Foreign Transaction Fee
Review: Chase Sapphire Reserve vs AMEX Platinum
Chase Freedom vs Freedom Unlimited
Chase Trifecta;Chase Ultimate Rewards
Chase Freedom Unlimited vs Citi Double Cash
Credit Cards for International Travel
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.
*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.
CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.
Track Your Chase Sapphire Reserve Travel Credit Status
The Chase Sapphire Reserve travel credit is a great way to get back $300 in spending each year. Here is how you can track that travel credit.
The best new card of the year is the Chase Sapphire Reserve that is loaded with benefits and points. In fact, Chase even advertises it as having $1,800 in value the first year! Some of the great value is the Chase Sapphire Reserve travel credit and this post will show you how to track the status of what you received so far.
How to Track the Chase Sapphire Reserve Travel Credit Status
The Chase Sapphire Reserve has many great selling points but for me and many others, one of them is the $300 in annual travel credit. This is great if you are traveling (or driving through tolls on the highway!), especially since the annual fee on this card is $450. Getting an annual travel credit of $300 is a nice way to balance this out.
The Chase Sapphire Reserve Travel Credit
While you would think it is easy to locate in your Chase account area, it is not the best place to go to check on your travel credit status. Unlike the Amex Platinum travel credit (which is for a single airline and sometimes will not post automatically for certain things), the Chase Sapphire Reserve travel credit is an automatic process that covers all travel that is coded that way for purchases. This means it is automatically applied to your statement when you spend. So, you can see your Chase statement and that the credit is applied but not the status of your total $300.
Track the Chase Sapphire Reserve Travel Credit Status
To check the status of your Chase Sapphire Reserve travel credit, head over to the Ultimate Rewards site. After signing in, select your Chase Sapphire Reserve card. Next, it will bring you to your rewards overview and you can see the points you have earned, what you will earn on your next statement, and the status of your Chase Sapphire Reserve travel credit.
Log in to Ultimate Rewards and select your Chase Sapphire Reserve card
On the landing page for your Chase Sapphire Reserve on the UR site, you can see how much of the travel credit you used.
One of the nice things is how fast it posts. I paid for travel and the travel credit was applied to my statement the same day the travel charge posted. No airline selection, no calling in – it just worked!
If you have not spent your Chase Sapphire Reserve travel credit this year, make sure you do it so it does not go to waste! Here is what Chase specifies as “travel”:
Merchants in the travel category include airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages. Please note that some merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, websites or owners that rent vacation properties, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, tourist attractions, merchants within airports, and merchants that rent vehicles for the purpose of hauling. In addition, the purchasing of points or miles does not qualify in this category.
This includes things like Airbnb and Uber as well so it will certainly be easy enough to get this travel credit before your year expires (here is what Chase says about the year for the $300 travel credit – “annually” means the year beginning with your account open date through the first December statement date of that same year, and each 12 billing cycles starting after your December statement date through the following December statement date).
Have you spent your $300 Chase Sapphire Reserve travel credit yet?
Editorial Note - Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Some of the links on this site are affiliate links that will support this site. Thank you for your support.
2018’s Chase Sapphire Credit Limit & Benefits: Pre-Qualify Online
By: Ashley Dull • August 10, 2017
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.
Advertiser Disclosure tap to close
Its history ranging back to the early days of America, JPMorgan Chase, or simply Chase, is one of the country’s oldest banks. It’s also one of the largest, issuing more consumer credit cards than any other bank in the US and serving millions of customers from its more than 5,100 branches.
With a current stable of 22 personal, business, and co-branded credit cards, Chase definitely has something for nearly everyone, but one of its most lauded offerings is the Chase Sapphire Preferred credit card. Complete with its popular Ultimate Rewards program and a variety of other perks and benefits, the Chase Sapphire Preferred is a top-rated travel card great for any savvy shopper.
Cardholders See an Average Credit Limit Around $10,000
Although Chase’s cards cover much of the credit card spectrum in both type and demographic, the Chase Sapphire Preferred card is not generally considered to be one for those new to credit. That said, Credit Karma user data suggests that you don’t need to have perfect credit to get approved, although it will certainly help. The majority of cardholders who provided data had scores above 700 and an average score around 741.
More than a specific credit score, however, Chase will be looking at your overall creditworthiness to see the credit limit for which you qualify. Specifically, as a Visa Signature card, the Sapphire Preferred credit card actually requires that those who are approved for the card receive a minimum credit limit of $5,000. This means that if you can’t qualify for at least that amount, you can’t qualify for the card.
- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
- Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
- No foreign transaction fees
- 1:1 point transfer to leading airline and hotel loyalty programs
- See application, terms and details.
Overall, the majority of Credit Karma reviewers actually reported a credit limit over the $5,000 minimum. Only 22% of reviewers fell into the $3,000 to $5,000 range of the graph, while nearly a third of respondents reported receiving a credit limit of $10,000 or above.
And as further proof of the fact that the Sapphire Preferred card isn’t an entry-level model is the fact that a full 10% of users obtained a credit limit over $20,000. Compared to the reported credit limits of the Chase Freedom card, one of the bank’s starter credit cards, the Sapphire Preferred has ten times as many high-limit cardholders.
Credit Karma user data indicates the average Chase Sapphire Preferred cardholder has a limit around $10,000.
So far as increasing your initial limit is concerned, little anecdotal information is available specific to the Chase Sapphire Preferred. Looking at reviews for other Chase cards, data suggests that users may have success directly requesting a credit limit increase from Chase, although this will result in a hard credit pull. Other users report receiving unsolicited limit increases after six months or more of responsible card use.
Earn the Popular Ultimate Rewards Points & Save on Travel
Perhaps the most significant benefit of the Chase Sapphire Preferred credit card is the rewards program that comes with it, which is based on the popular Ultimate Rewards points and portal. The Chase Ultimate Rewards program is widely considered to be one of the most flexible rewards programs, with redemption options that include cash back, gift cards, merchandise, and travel.
In particular, it’s the latter redemption option, travel, that gains the Ultimate Rewards program much of its acclaim. Not only does redeeming your Ultimate Rewards points for travel through Chase’s portal gain you significant value — up to 1.25 cents per point with the 25% discount for travel redemption — but you can often get even more pow for your point by transferring them to any of Chase’s 10 travel partners.
The list of partners currently includes:
- Marriott Rewards®
- Ritz-Carlton Rewards®
- IHG® Rewards
- Hyatt Gold Passport®
- British Airways Executive Club
- Singapore Airlines KrisFlyer
- Southwest Airlines Rapid Rewards®
- United MileagePlus®
- Virgin Atlantic FLying Club
- Korean Air SKYPASS
In most cases, points transfer at a 1:1 ratio, meaning you’ll receive one partner point for every Ultimate Rewards point you transfer. For example, if you transfer 50,000 Chase Ultimate Rewards points to your Marriott Rewards account, you’ll end up with 50,000 Marriott Rewards points. Of course, not every travel partner will provide the same 1.25 cent per dollar return that you would receive by simply redeeming with Chase, so do your homework to ensure you get the most out of your rewards.
Earning Ultimate Rewards points is remarkably easy with your Chase Sapphire Preferred card, as well. To start, the card’s healthy signup bonus will give you a significant pile of points if you can meet the spending requirement. You’ll also earn 2X points per dollar on dining and travel purchases made with your card, including airline and hotel purchases, and 1X point per dollar on all other purchases. For an extra boost, adding an authorized user can net you a bonus of 5,000 points.
Pay No Foreign Transaction Fees & Enjoy Other Card Benefits
As popular as its rewards program may be, though, it’s hardly the only benefit recommending the Chase Sapphire Preferred card. To begin with, the card itself is actually pretty cool, featuring a metal design that feels more substantial (read: fancy) than an ordinary plastic card.
You can take your card on the road with ease, as well, because Sapphire Preferred users won’t be stuck paying any foreign transaction fees when traveling in foreign countries. Your Chase Sapphire Preferred card also comes with primary auto rental collision insurance when you pay with your card, protecting you against damage to a rental from collision or theft for most rental cars in the US and abroad.
Additionally, new cardholders won’t need to worry about an annual fee until the second year, then they’ll pay less than $100 a year for all of the privileges that come with the card. That includes the perks associated with the Sapphire Preferred being a Chase credit card, such as 24/7 account access and well-rated customer service, as well as the benefits that come with being a Visa Signature card.
In particular, travelers may enjoy the lost luggage reimbursement that comes with their Visa Signature card. For travel plans you’ve purchased with your Chase Sapphire, the lost luggage reimbursement can fill the gap between the value of your items and what the airline or other insurance policies will pay. The travel and emergency assistance may also come in handy, providing a variety of services, including medical referrals and emergency translation services.
Find a little peace of mind at home, too, with warranty management. This perk lets you enjoy an extra year of protection on top of the manufacturer’s warranty on eligible warranties of three years or less, provided you purchased the product with your card.
Pre-Qualify Online to Determine Your Chances
Given its Signature status and quality benefits, not everyone will qualify for the Chase Sapphire Preferred credit card. If you have any questions about whether you’ll be approved and don’t want to risk a hard credit pull on a maybe application, you can check for a pre-qualification offer instead.
Resulting in a soft credit pull, pre-qualifying for a credit card doesn’t actually impact your credit score. You can check for Chase pre-approval offers in multiple ways, including online and at your local branch. You may also receive unsolicited pre-qualification offers in your email or mailbox, especially if you already have a Chase banking or credit account.
While being pre-qualified for a Chase Sapphire Preferred doesn’t guarantee you’ll be approved if you apply, it can be a good indicator of your chances. Not pre-qualifying may mean you should re-think your application and address any potential issues in your credit report before you apply. Keep in mind that filling out a pre-qualification application will also act as consent to receive future offers.
Chase Sapphire: A Top Choice for Travel Rewards
With its sleek metal finish, flexible rewards program, and wide range of travel perks, the Chase Sapphire Preferred card certainly does a good job of standing out from the crowd of 20-plus credit cards that call Chase home. In fact, the Sapphire Preferred card stands out from the crowd of hundreds of credit cards to top many a list of must-have travel cards, and is a solid choice for the wallet of any cardholder on the go.
Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
641 пользователь находится здесь
- Ghostofazombie Butter Enthusiast
- ewwiccc Unsalted Butter
- sethuel1 MSY
- Enuratique IAD
- kanji_sasahara Leaked links. You're my only hope.
- finnigan_mactavish Lover of Butter
- LumpyLump76 SEA
- . и ещё 2 »
Chase recon line: (no known working number at this time)
Chase main line: (800) 432 3117
CS(R) account line: (800) 436 7970 (this is the number on the back of the card)
If you have applied for this card on 8/21 or later, please fill out this survey (this survey is NOT meant for those who applied online through the leaked application link on 8/15).
Survey raw data with pivot tables (view): https://goo.gl/u0Hdhl
Survey raw data with pivot tables (download): https://goo.gl/4cwBsf
Note: the survey was created and is maintained by /u/aksurvivorfan so reach out to him for questions or concerns. After you've submitted the survey you can always go back to that link and update your answers (e.g. if your application goes from pending to approval / denial).
The Chase Sapphire Reserve, CS(R) for short, is a brand new credit card from Chase.
The online application page was leaked on 8/15/2016 but deleted by Chase within hours.
The card was officially released for in-branch applications on 8/21/2016.
The online application page became available again early on 8/22/2016, this time officially.
OMG OMG I'm so excited ARE YOU GUYS EXCITED it's just a credit card BUT I WANT IT SO BAD
Everybody is getting expedited shipping, YOU DO NOT NEED TO CALL to request it and calling will not speed things up in any way. In many cases calling has actually resulted in delays and other issues (e.g. duplicate cards being shipped).
Typically the card will be shipped by UPS Next Day Air the day after you are approved so you should receive it 2-3 days after getting approved. Chase does not send a notification when the card has been shipped, but if you sign up for UPS My Choice you should see the tracking number added there automatically as soon as one is generated.
Note: the phone reps are giving erroneous information, telling people the card can't be expedited or that it will be shipped by USPS in 7 to 10 days. Data points overwhelmingly confirm that everyone is getting expedited shipping regardless or what they are being told on the phone (and regardless of whether or not they even requested expedited shipping in the first place).
The card comes pre-activated, you do not need to do anything, you can use it in stores or online as soon as you take it out of the envelope.
The card is supposed to be the same weight and material as CSP, but due to overwhelming demand plastic cards are now being expedited in a regular envelope. If you've received a plastic card, you will automatically receive a metal card in the shiny box once available. There is no word on when this will happen. More info.
As of September 19th, 2016 it seems new applicants are now receiving metal cards again (though without the box). There is still no word on when plastic cardholders will receive theirs, just be patient (the metal card isn't anything extraordinary and with all the hype you'll probably be disappointed anyway).
The application page never shows the bonus, only the landing page does.
If you've applied online before 1/12/2017, you'll get 100k UR points regardless of what link you used.
If you applied online after 1/12/2017, you'll get 50k UR points regardless of what link you used.
The signup bonus was 100k UR points until January 12th, 2017 for both online and in-branch applications.
On January 12th, 2017 the signup bonus was reduced to 50k UR points for online applications but remained at 100k for in-branch applications.
On March 12th, 2017 the signup bonus was reduced to 50k UR points for in-branch applications. That means after that date it is no longer possible to get 100k UR points from this card anymore.
Go Into Your Chase Account -> Select your CSR -> Bottom right of the screen there should be a Referral Button/Box
The CSP has been popular for years, what are the differences between both cards?
Most of the other benefits from the CSP are also available on the CS(R) (1:1 point transfer to UR partners, no FTF, primary rental coverage, etc.).
Any difference in insurance coverage between the CSP and the CS(R)?
Yes. Here are some examples, check the Guide to Benefits for more details:
I already have a CSP and I plan on opening the CS(R), should I keep both?
Probably not considering there is nothing the CSP can do that the CS(R) can't. As always, it's better to downgrade to another card than cancel outright (e.g. downgrade to Freedom, and yes you can have multiple Freedom cards).
Does the 1.5cpp only apply to points earned on the CS(R)?
No, you can get the 1.5cpp in the Chase UR portal from all your UR points by transferring points from your other UR-earning cards to your CS(R).
This means the Freedom Unlimited effectively earns 2.25% and the Freedom quarterly categories earn 7.5% if you also hold a CS(R) and spend your points in the UR portal.
My credit score is XXX and my income is $XXk, will I be approved for this card? What are my chances?
No one knows so please don't bother asking, you'll get downvoted.
A lot of factors are taken into account when Chase decides whether or not to approve you, including but not limited to: credit score, income, number of accounts currently opened, average age of your accounts, number of recently opened accounts, derogatory marks on your report, total credit limit across all banks, total credit limit with Chase, age of your relationship with Chase, total credit utilization ratio, average credit limit utilization ratio, etc. And even if we knew all of this about you, we still don't know how Chase weighs each of those metrics for this card (or any other).
In other words, you could have a 800 credit score and $150k income and be declined, but you could also have a 650 credit score and $40k income and be approved. We have no way of knowing and whenever someone tells you whether they think you'll be approved or not it's just a wild ass guess.
Does the 5/24 rule apply to this card?
By all accounts, yes it does.
People who applied using the leaked link on 8/15/2016 got past it, but everyone who applied since the card was officially launched on 8/21/2016 seemed subject to that rule except for the usual exceptions (meaning they were either pre-approved or CPC).
First, if you're really asking this then you're probably not ready to participate here, I would suggest you spend some time reading the wiki and browsing through this sub before posting something stupid and getting downvoted.
Can I switch to this card from another Chase card?
Chase usually allows PC from other cards in the same brand, meaning you should be able to switch to or from any UR-earning personal Chase card (Freedom, Freedom Unlimited, Sapphire, Sapphire Preferred). As usual, you do not get the signup bonus when you PC, though you do get to enjoy all the benefits of the card (including the $300 annual travel credit).
Is the annual fee waived the first year?
No. You'll be charged $450 as soon as you get the card (typically on your first statement, though some people reported their annual fee didn't appear until their second statement).
Is the annual fee waived for military?
In theory Chase will only waive the annual fee for SCRA if the account was open before beginning active duty. In practice some people have managed to have it waived anyway, but this has been very YMMV so while it doesn't hurt to try you shouldn't count on it.
Why are people getting so excited about a card with such a high annual fee? How is it worth it?
It's a good card with lots of benefits, but what really justifies the annual fee is:
50k UR signup bonus ($500 cash value, $750 value for travel booked through the UR portal)
$300 travel credit per calendar year (so even if you cancel your card after one year you can use the credit twice and make a $150 profit from this benefit alone)
free Global Entry or TSA Precheck ($100 value if you don't have it already)
free Priority Pass Select Membership for airport lounge access
Also, because the 1.5cpp for UR points spent in the UR portal also applies to UR points earned from other UR-earning cards, it boosts the value of the points people already have / will get from their Freedom, Freedom Unlimited or the Chase Sapphire Preferred.
How does the Priority Pass card work?
To activate your Priority Pass membership: log on to chase.com, click "Ultimate Rewards", pick your CS(R) from the list, then go to "Use Points" > "Card Benefits" and scroll down on that page and click the "Activate Now" button for Priority Pass. You will be sent a card with your name on it (you can't have the card be made to someone else's name) in roughly two weeks. Each AU will also receive their own card with their name on it. The card allows you to enter the lounges listed on the Priority Pass website. You can bring unlimited guests with you for free, though each lounge may impose their own limits.
If you need to visit a Priority Pass lounge before you receive the Priority Pass card in the mail, you can pay for the entry fee with your CS(R) then contact Chase so you can be reimbursed. You can only do this twice a year, and I would suggest calling the number on the back of your card (see the top of this wiki) ahead of time just to confirm.
If you already have a Priority Pass card (e.g. from the Amex Platinum or Citi Prestige) then you'll simply receive a new card with a new number, and both cards will be valid independently. Because the cards have your name on it, you can't give one away for someone else to use. Note that each Priority Pass card has with its own policy regarding guests depending on which credit card you got it from, so if you already have a Priority Pass card that comes with a limited guest policy you're better off using the one that comes from your CS(R) card instead.
The Priority Pass membership is valid as long as your CS(R) account remains active. If the PP card your received expires before you close or downgrade your CS(R) then you will receive a new PP card in the mail automatically. If you close your CS(R) you will not be able to use your PP card anymore regardless of its expiration date.
How does the $300 travel credit work?
Every calendar year you can get up to $300 reimbursed when making purchases in the travel category. Per Chase: "merchants in the travel category include airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages". Some unexpected charges also count, such as UberEats.
The reimbursement is applied automatically at the same time the qualifying transaction posts, you can't choose which purchases it applies to. It does not have to be in a single transaction, you could make a $180 hotel booking in March and be reimbursed $180 then book a $500 flight in June and receive the other $120. Purchases made by AUs count towards the annual $300 (meaning it's $300 total for you and all your AUs, not $300 each). The credit does not roll over, if you haven't used it by your December statement then it's forever lost.
Because the credit is per calendar year (or rather December statement, just like the Citi Prestige) it means you could indeed receive the credit twice during your first year of card membership.
If you receive the credit then cancel the booking and receive a refund then the credit should be taken back per the T&C, but in practice this doesn't appear to be the case. That being said you should definitely avoid doing this intentionally, it could attract unwanted attention and there is no guarantee Chase won't claw it back later on.
How does the Global Entry / TSA Precheck benefit work?
You can sign up for Global Entry or TSA Precheck through the regular website, then when it's time to pay use your CS(R) card. You will automatically receive a statement credit for the amount of the application fee the same time the transaction posts.
It doesn't matter what name is on the application (meaning if you already have Global Entry, you can pay for a friend's application fee and still receive the refund, it doesn't have to be in your name or in an AU's name).
How does the Visa Infinite $100 airfare credit work?
It has been confirmed by Chase that this benefit will NOT be available on the CS(R).
Are transactions covered by the travel credits counting towards the minimum spend?
As of In early February 2017 it has been reported there was one later-deleted post claiming that transactions covered by the travel credit do not count towards the minimum spend anymore.
Even if they did That data point may have been bogus but, are you really ready to risk all those points over this? Just spend a few hundred more so that you don't have to worry about it. Ideally you should also spend a few hundred more just in case you end up having to return items or cancel a trip since a refund could take you below the minimum spend threshold. The annual fee, as usual, does NOT count towards the minimum spend (same goes for balance transfers, cash advances, etc.).
That means you should be prepared to effectively spend about $5k over the next 3 months if you plan on taking advantage of the credits immediately ($4000 + $450 AF + $300 travel credit + $100 Global Entry credit = $4850, then add a buffer just in case).
Here are some ways you can artificially inflate your spend if you don't think you can hit that threshold in 3 months.
When will I receive my signup bonus?
As with all Chase cards, the points from the signup bonus usually become available when the statement during which you met the minimum spend closes.
If you've met the minimum spend late in the billing period (i.e. in the week before the statement closed) then you might have to wait for the next statement.
Keep in mind the T&C say "please allow 6 to 8 weeks for bonus points to post to your account", so don't freak out if it takes a bit longer than usual, as long as you've met the minimum spend you will get your points eventually.
Is the card worth keeping after the first year?
There's no clear answer to that question: it's not a terrible card that no one should keep, but it's not a card for everybody either. While the annual fee is high the card does offer some valuable perks that can justify paying for it. It really depends on your situation and whether you have an actual need for the benefits the card offers.
If you are in a position to take advantage of the $300 travel credit as though it were cash, you need to make up at least $150 in benefits to break even. Your own travel and spending habits will dictate the value of the various benefits.
So, up to you. Do the math and compare with your existing cards.
Megathread #1 - Online application leaked 8/15
Megathread #2 - In-branch application available 8/21
Megathread #3 - Online application available 8/22
FICO ® Ultimate 3B
3-Bureau FICO ® Scores, Credit & Identity Monitoring
FICO ® Essentials 1B
1-Bureau FICO ® Scores & Credit Monitoring
FICO ® Score 3B Report
3-Bureau Credit Report & FICO ® Scores
FICO ® Score 1B Report
1-Bureau Credit Report & FICO ® Scores
- myFICO® Forums
- Types of Credit
- Credit Card Applications
- Chase Sappire Reserve credit limits
- Subscribe to RSS Feed
- Mark Topic as New
- Mark Topic as Read
- Float this Topic for Current User
- Printer Friendly Page
Chase Sappire Reserve credit limits
- Mark as New
- Subscribe to RSS Feed
- Email to a Friend
- Report Inappropriate Content
Chase Sappire Reserve credit limits
for what limit did you get approved for the CSR?
I got $34.000 but I got a Chase Amazon 2 weeks before wiith a $7,500 limit. I also got the CSP with 19K and a Freedom with $5.400.
It seems that the CSR is coming with high limits right away since my income didn't change in the 2 weeks after the $7.500 Amazon card.
I would like to know the average Cl for the CSR
- Mark as New
- Subscribe to RSS Feed
- Email to a Friend
- Report Inappropriate Content
Re: Chase Sappire Reserve credit limits
An Industry Standard – FICO Scores are used in more than 90% of lending decisions
Copyright ©2001- Fair Isaac Corporation.
All rights reserved.
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.