#Chase freedom credit card approval for free#
#Chase freedom credit card approval how to#

Redeem points for travel: 1.25 cents per point A $500 flight would usually cost 50,000 points if you used points attached to the no-fee card, but with the Chase Sapphire Reserve it would cost only 33,333 points. Next, log into Chase under the Sapphire Reserve account, and go to the Chase Ultimate Rewards portal to book your travel. First move (combine) points from your no-fee card to the Sapphire Reserve account. This option requires that someone in your household has the ultra-premium Chase Sapphire Reserve card. Redeem points for travel: 1.5 cents per point They call this 'combining points' (see: Combine Points Across Cards in our Ultimate Rewards guide). Chase allows you to freely move points to another card you own or to a card owned by a household member or business partner. The trick is to move the points from your no-fee Ultimate Rewards card to the premium card before using points to buy travel. If you or another household member has a premium or ultra-premium Ultimate Rewards card, it is easy to get better than 1 cent per point value when redeeming points for travel. The welcome bonus for this card is advertised as cash back, but the rewards are actually delivered as Ultimate Rewards points. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.”ĭamage and Theft Protection: “Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.” Chase Freedom Earn Points Welcome Bonus Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.Įxtended Warranty: “Extends the time period of U.S.Auto Rental Coverage: Chase offers secondary auto rental CDW (collision damage waiver) when renting within your country of residence (presumably it is primary for rentals in other countries).It’s surprising how often denials can be changed to approvals just by asking. If your application is denied, I recommend calling for reconsideration (1-88).

#Chase freedom credit card approval for free#

The easiest option is to track all of your cards for free with Travel Freely.Īfter you apply, call (888) 338-2586 to check your application status. To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months. In other words, getting this card is neither an obvious choice nor a bad one. It is a decent starter card for young adults, but it rarely has an exciting welcome bonus. In my opinion, this is a decent card to have but it’s not on my list of “must have” Chase cards ( see this post for details).

If denied, call reconsideration here:1-88 for both personal and business cards Hard inquiries combine into 1 when approved same day (not always true when mixing business and personal)Ĭall (888) 338-2586 to check your application status.Better Offers: You may be able to get a better offer than the best available public offer.Ink cards are OK to get again without cancelling previous card if you apply with a new business. Get Same Card Again: You can get the same exact card and again if you first cancel the older card and follow the 24/48 month rule.30 Day Rule: It is tough to get approved for more than 2 Chase cards within 30 days.

With Sapphire cards, you must wait 48 months.

24/48 Month Rule: With most Chase cards, you can get the same card and bonus again 24 months after having received the bonus as long as you no longer have the card open.

5/24 Rule: With most Chase cards, you won't get approved if your credit report shows 5 or more cards opened in the past 24 months.

#Chase freedom credit card approval how to#

See this post for details and recommendations: Why Chase shutdowns have increased and how to avoid them. This may lead to Chase shutting down all of your accounts if you appear to be a credit risk.

Shut-Down Caution: Signing up for new Chase cards can lead to Chase reviewing your accounts.