Is The Mega Sapphire Bonus Going Away, Bonus Offer Matching, And Other Thoughts On My Credit Card Lineup.

can you apply for visa and mc 50k at the same time?

same question with united. both mc and visa?

If I have a Sapphire Preferred Visa, should I convert it to a MasterCard and then re-apply for a new Sapphire Preferred Visa? If so, how long should one wait to re-apply and will I receive a 50k bonus for the new application?

Dan:

I got the Continental One pass 30K bonus card right before it expired. Will they match me to 50k? When do i send secure message. Now or when I receive the 30K?

great post dan, thanks! why do you still keep ur united card if you have the WMC from chase

I’m not sure what you mean by online dispute resolution, but I’m pretty sure Chase has that too.

@al:
You can’t apply at the same time as you need to get the Visa card and then convert it over to a Mastercard.

@Al:
Sure.
In my experience there is no required time limit to wait as long as you call reconsideration and make your case (especially if you have other cards to use as leverage to shift credit from or to close and swap credit lines).

@mb:
You can send the secure message as soon as the card appears in your online profile.
Note that although they say they answer within 4 hours, it can often take 4 days until they reply.

@TZvee:
The United card gives free primary CDW on rental cars outside Israel and offer a nice 25K threshold bonus (making all spend come in at 1.4 miles per dollar).

Plus I never close Chase cards without using them as leverage to get another card approved!

@stg:
Try disputing a chase charge and an AMEX charge. It’s like night and day, AMEX’s benefits are simply untouchable, they stand by them 100%, unlike with every other bank.

Dan,

When opening a card, can you change the card to a non-fee paying card before the yearly fee. I.E looking at United Visa, can I switch that to something else before the fee kicks in a year down the line. Also, same with sapphire?

@Joe:
Yes, you can always downgrade a card to a fee-free card, but then you don’t get another signup bonus.
Instead you can apply for a few new cards and have them approved by offering to close older cards with fees coming up (or that came up in the past 30 days that can still be waived even after the bill comes) and move their credit lines to the new cards so that your score won’t affected.

Dan,

Thanks for the post! Do you pay fees on all of these cards or are you always switching them before the annual fee comes due? I am debating cancelling my Chase Sapphire Preferred before the fee comes due. What are your thoughts? Is it worth the annual fee for the benefits it provides?

@Mark The Shark:
I keep switching them, see comment 9.

i got the co op plus mc in the last few days that it was poss, does it give me primary car rental insurance in the usa and europe ?

@eli:
Yes, both the United and Continental cards give primary coverage in almost every country besides for Israel.

can i use the 3bm to apply for the united card now what will be my excuse if my co card is now basically a united card ?

@eli:
I just did just that.

The former Continentel card is a Mastercard, you want a Visa for shopping at the local Dollar store (they often only take Visa) and I’ve run into many international stores that only take Visa.

Dan

I have the Sapphire Preffered with the 50K bonus. Is there any other offer greater than that, that i can secure message to Chase to try to have them match for me?

@avi:
There are no sure bet matches for Sapphire. You can try for 75K, but I didn’t include it in this post as it’s a very long-shot, while the matches described in this post are pretty much a sure thing.

@Dan: thanx, trying the 2bm for a 2nd sapphire prefered (plus i have a reg sapphir) and will tell them to make it a visa and this one as well cuz of a visa hope it goes through

hi thanks for everything!
i have the continental card i would like to sign up for united just asking is it becoming 1 card? if yes when and how? thanks again

@mendy:
It will remain a separate card, the Continental card will become a United Mastercard.

Remember to use a new mileage number though when applying.

i shouldnt use my continental miles number?
so its worth the miles for me to apply for the united right? again thanks a lot!!

Hey Dan,
Your sapphire preferred converted to a MasterCard is the only card u heard that can be used for cdw coverage in Israel?
Also, when u say your offer for the ink bold is grandfathered; r u talking about linking it to chase checking for chase exclusives? Because last time I called they told me that this link can only be made with the Ink Classic.

@mendy:
You should open a new United account and merge them after getting the miles.

@JPP:
There are other World Mastercards that cover Israel (however notably the Continental/United version does not). However no other cards have 0% foreign exchange fees and give 2.14 points per dollar for that rental in Israel along with covering CDW.

Yes, my Ink Bold is linked for Chase Exclusives. Only cards opened in November and earlier can be linked like that.
I believe now that the only new card you can get that can be linked for Chase Exclusives is Chase Freedom, though please correct me if anyone else has personal experience with any other cards that they have opened after November.

Hey Dan,

Just wanted to send you a hearty Y’asher Koach; I ended up getting 50k on both the CO & UA cards which I applied for in early February.

@Al:
Congrats!

sorry to bother 1 last question u wrote that i can get a match to 50k points via secure msg what am i asking them to match it to?

@mendy:
I gave an example in the post.

Thanks Dan, just applied for the Sapphire, Hyatt and Marriott simultaneously using your links of course using 3 different browsers. Hope it goes through otherwise I’ll take your advice and try to close/transfer credit from my southwest and BA card both of which I got plenty of value out of thanks to you! (just got back a short while ago from my Europe honeymoon flown with BA miles and was just shopping this past weekend with my gift cards compliments of southwest 🙂

@Jake:
Best of luck.
As we say on DDF, if you don’t hear what you want from one recon rep, just HUCA, Hang up, call again!
Be proactive about offering up other cards and credit lines if needed to get approvals and try the various recon numbers listed here: http://www.dansdeals.com/forums/index.php?topic=8028

@Dan:
i had an continental MC card that got converted to a united card when they merged can i still apply for a united visa card now?

@yoeli:
To be safe you may want to use a new United number and merge the accounts later on.

Dan, can i convert my sp into a mastercard during my initial 3 months before i received my 50k or should i wait?

@rj00:
If you have any other Chase UR cards (Freedom, Ink Bold, Ink Cash, Ink Classic, etc) then just transfer the Sapphire points to any of those cards before cancelling.
Or transfer the Sapphire points to your favorite airline or hotel program.

@yitz-ee:
I would wait until you get the 50K before converting though you probably don’t have to.

@Dan:
can i have 2 united accounts on my name?
and i really want to thank you

@yoeli:
Yes.

Hey Dan,
To answer your question in comment 23 I applied and got approved in jan 2012 for ink business bold and they sent me a letter two weeks ago congratulating me as a valuable chase customer with chase checking accts they are automatically enroling me in chase exclusives……….

I would also like to know if I would like to transfer from other ppl’s ink or freedom accts to my sapphire is there someway to do that online? At ultimate rewards u can transfer to anyone’s acct but not from anyone’s acct (these ppl don’t have or want an online acct)!

Dan:
What does ‘UR’ points stand for? (I don’t think it’s the abbreviation for ‘your’.)

@big fan:
There’s no official time limit, but I cycle between cards every couple months.

@Yaks:
Very interesting, so you applied for the 5/2/1 program (for bonus rewards on office stores, telecom, etc) and then got moved to the 1.2 points per dollar program plus spending threshold bonuses with Chase Exclusives?
I didn’t think such a conversion was possible.

You would need to have those people login and transfer to you. There’s no way to pull points from someone else, you can only push points to someone else.

@sml:
Ultimate Rewards points.

Yes it was actually pretty cool! It may have had something to do with the fact that I had lots of issues with that account with the bonus points and things I had to make a big stink about it and get cooperate involved…….. But I don’t honestly know why the gave it to me!

Dan:
I changed my Chase Sapphire Rewards Visa to a Chase Sapphire Reward Master Card. You mention that sometimes the MC is not as accepted (in Israel???) as the Visa. Have you found merchants in Israel that will not accept this World Master Card?

@Yaks:
Well done!

@sml:
I ran into issues in Brazil sometimes, not in Israel though.

Hi, Dan thanks for the posts I just signed up for the chase sapphire preferred I wanted to know if there is and kind of message that I can send to chase and ask them to match a different card and get mor than the 50k bonus points for signing up thanks.

Hi Dan,
I just close my united card. Can I reapply now with another account # os is better to wait a little? Thanks

@Josef:
See comment 17.

@Uri:
You can do it now.

Hey dan I noticed you said close the cards before the fee is due but you can’t do that with the starwards cards
I was wondering which other cards you think are worth the yearly fee? Also do you get the sigh up bonus on the Amex platinum if you already got it?

My chase personal banker said that the sapphire bonus is dropping soon. Also my wife just got the sapphire and we opened her a checking account first and now I believe she has exclusives with it

Dan,

Just tied the 3BM method – got approved for Hyatt and United, but now they are saying I need to wait 30 days for the sapphire and apply again. Any strategies for getting them to push it through?

Thanks!

@Dan: I sent them a secure message (to up my sapphire to 75k), and they responded that they need the invitation number otherwise it cannot be done. Is it worth sending another secure message, or is there any other way around?

how can you get out of the southwest fee ?
can i get the points then cancel within a month or 2 and get the fee waved?
or a secured message like when i ask them for a match to 50000?

@dov:
There are no exclusives benefits for Sapphire.

@jj:
Keep calling the various reconsideration numbers until you get approved.

@Anonymous:
As I said in comment 17, I didn’t include matching the Sapphire to any other offers as it’s a very long shot and generally not possible anymore.
The matches I included in the post are pretty much sure things.

@yisroel:
If you cancelled within a month or 2 that would work, but is paying $69 for 50,000 points the end of the world?

Dan, you said amex platinum card $200 annual airline can be done twice per year? how is that? i only know of buying $200 woth of giftcards once per eyar. what’s the second time?
thanks

@esther12:
$200/calendar year=twice a in cardmember year

how do i avoid a financial report?

@Dan

it seems that both united cards link the visa card do you have a link for the master card?

@yisroel:
Don’t file for an IPO?

@Chaim:
Like I say in the post,
“This card is no longer available for application, though you may be able to switch a Visa into a Mastercard and apply for a new Visa.”

When are you coming out with a book?

please forgive me, what is cardmemeber year and how is it different from calendar year? if i applied for amex preffered card, got the $200 reimb. and 50000 points, then closed the card in order to avoid annual fee. how can i charge another $200 for airline on it?

chase reconsideration agent told me that i can only get 2 chase cards approved in 30 days. and should call on april 4th to get my chase sapphire approved. should i wait till then or call another # for reconsideration? thanks much!

@DevoiriS:
Lol…

@esther12:
You can’t once it’s closed.
Had you opened a card in March 2011 you could get the $200 reimbursement in 2011 plus $200 reimbursement in 2012 (plus $100 for global entry) and still cancel the card before the annual fee for the next year is due.

@esther12:
Myself as well as dozens of DDF users have gotten 3 cards on the very same day.
Try another recon number and be sure to be able to explain the benefits of why you want the card and offer to move credit lines from other cards or to close another card to get the new card approved.

i am sooo confused…but thank you
how do u keep getting the same bonuses? do u keep closing the cards and reapplying? or do u leave open and just apply again?

Dan, my amex preffered card has an annual fee of $450 almost right away, there is no first year free. so i couldn’t open it in 3/11 and close in 2012 without a fee. that’s why i am confused since i open it and close in the same calendar year within 4-5 weeks.

when is it too late to call chase recon.?

Dan, so if i closed my chase preffered visa about 2 weeks ago, do you think i can reaplly (perhaps in 2BM) for it again now? should i create another milega acct.# first?

@DevoiriS: or personnal sessions????!!!!! please 🙂

@ruch:
Read through the post and previous comments…

@esther12:
I’m referring to someone who kept it open for a year instead of closing it right away to avoid the fee.

@hudi:
30 days from the date of the rejection letter.

@esther12:
What is a “chase preferred visa?”

@ruch:
Maybe a seminar with a Q&A session if anything.

I just spent way over my spending limit on a few of my chase cards but the statement did not close yet. I know that they check your spending and available credit when considering your application. I would like to apply for a few cards in the next few days.

Do you think they can already see the spending and maxing out of available credit or does it take some time for it to actually show up?

Why can’t you pay off the card now?

Hi Dan,

I have a great credit score and just applied for the Sapphire Pref Card – the response I received was that they will inform me in writing with the next 10 days whether or not I’m approved. from past experience, I get approved right away – what are my chances of being accepted? Also, my average income is 100k + and that’s what I put down as my income – what is best to put down when applying for a card? Do you have a link providing advise what info to submit when applying?

Dan:
Any idea when the Chase Sapphire Preferred Visa will NO LONGER offer the 50K reward miles but instead will only offer the 40K miles?

all your chase accounts are combined in online banking or do you keep each one seperate?

Dan, sorry for not being clear, by “chase preffered visa” i meant “sapphire preffered visa” (the one you mention in this post.
also, my husband got denied for this card and i called 2 different recon.depts. they both said he has to wait since recently he opened 2 other chase cards and other (amex) cards in too short of a time. is there anything else he can do other then wait? thanks!!!

Hi Dan! Question. My wife and I both have these Sapphire cards. If I want to take advantage of the bonus again – what do I do? Cancel the cards we have? I was under the impression that you can only have one Sapphire at a time, no? Thanks…

Anybody have any insight?

I just spoke with a Chase CSR, I was advised that if I close my United Mileage Plus card I would be unable to use the club passes that i had already received for the anniversary. Has anybody had any experience with this in the past?

@Dan:

I will before the statement closes but right now the funds are not available.

DO you think they can see the spending if the statement hasn’t closed?

@Menachem:
Of course they can.

Thanks Dan – called up Chase reconsideration a second time and it worked – they approved me for Sapphire!

Btw – the two numbers you have listed in the post reach the same call center. I got the same rep by calling both numbers! Luckily, I remembered his voice and hung up.

@jj:
Congrats! HUCA at its finest.

@sml
I just applied for Chase Sapphire Preferred Card using 50K link on and got page saying “offer is no longer available”.

I use FireFox and after I applied, it went to a page with a picture of the card, the 50K bonus offer, and a big black arrow to “Apply Now.” However, there was nothing to click in FF! I had to switch rendering engines to Internet Explorer (I have IE Tab2 add-on). Switched to IE, clicked, and that’s when the “no longer available” page came up.

Interestingly, I was on with a CSR this morning and she was able to bring up both 40K and 50K pages and seemed to not know that the 50K wasn’t being offered.

is the sapphire wmc 50k link for the wmc or will it be the visa and i will have to change it to the wmc after?

HELP! i have the saphire WMC and i called the analyst to try to close out united or split my saphire credit line and to approve it. she told me i cant do it because cant have 2 saphires. any ideas? should i call again? another number?

Hi Dan Thanks for all the info. Quick question about the ink bold card. I dont have a business. Now even though you say that i can just make up an ebay business (Yitz’s Stuff Inc.”) does chase try to verify that i have an ebay account and that im actually making money on it? because i dont really have a business and even though i may sell stuff on ebay occasionally, writing that i make 100 dollars a year revenue for the “business” (not Income) doesnt sound so good…any thoughts on this? Do they ask for any tax returns, etc…? thanks!

@Dan:

Thanks Dan

@big fan: I applied a couple of months ago for thre chase ink bold and I forgot to spend 5k in the first 3 months, I sent a secure massage but they didn’t give in, any suggestions? Should I cancel and reapply? Thanks.

when i reapply for a cc i previously had what do i do to insure they will give me the rewards again since its supposedly only once per person ?

so any ideas how i can get them to let me have both chase saphire preferred cards msw and visa?

Dan, you mentioned that the airline lounge access benefit form plat AX card cold be used even after canc the card?? They swipe the card before each visit…will the card swipe and allow access even if cancelled? If so, for how long after cancelled? THANKS!

@yitz
I had the same issue I just filled out that I make $0-$10000 a year on the app I had recently applied for a credit card so I got declined I called reconsideration and they started asking me abt by business so I told them I just started and haven’t really made any money and they were fine with that got approved right away………

Ha anybody ever been told by a chase CSR that there is a $5,000 minimum credit line for the sapphire and mileage plus cards?

Yesterday when trying to shift some credit around i was told i would have to close one of them bec my total credit line was only 8K, and due to the minimum i would not have enough credit……….

Dan,

The fee on my Capital One Venture card is due. What can I do with this card? My credit line is $20,000 so I don’t want to just close it and lose all that available credit, however, I don’t use the card any longer. Thank you.

ihi dan,
i don’t understand if i have a sapphire prefferd visa,why do i have to change it to a MC and apply for the visa again why can’t i apply for the sapphire prefferd MC instead and get the 50k on that one. i saw you posted a link for 50k on the MC also,

Thanks

also what if i don’t have an other chase card and i change my sapphire prefferd to a MC,will i lose all my points or they will just change to diffrent type of points,or is it better to have them out of my account before i change it,
Thanks

and just one more question what happens with all the points that are spose to post to my account at the end of my billing cycle were to they go,do i lose them or do they go into my MC account,and also once i apply and get approved for the new visa card could i transfer in my points from my MC account to my visa account?
Thanks

Dan,

is the $450 amex platinum fee refunded when cancelled within 30 days of the fee, or 60 days of activating the card. If cancelled after 30/60 days is the fee prorated? I opened the card in late February and want to get a refund for the fee I got in my march statement. Also, if I purchase $200 in Gift Cards & then close the card, will I get refunded?

Sim

Got approved for the 50K Sapphire Preferred offer using the DD link! Thanks, Dan!

Have a Chase Sapphire Visa and applied for the Chase Sapphire Mastercard. Received letter to call since I have a Chase Sapphire account already. Rep says can only have one Sapphire card so must close Visa and reapply for MC, but she said since I already received the sign up bonus then I am not entitled to another sign up bonus…

Called the reconsideration number above and they told me that the link I used was for the Visa card not the Mastercard…too bad.

i was told if i apply to too many credit cards its not good for my credit is that true? (i read that u applied to 13 in a year)

what”s the benefit of having chase exclusives?

those links give only 40k now as well