disney visa cards credit card chase com

Eligible credit cards: Chase Freedom card, Chase Freedom Unlimited card, Disney® Visa® Card, World of Hyatt Credit Card, Iberia Visa. You earn points when you use your ScoreCard Rewards debit or credit card. Redeem those points now for great merchandise by top brands, travel. Disney® Premier® Visa Card: 650+ Credit Score Needed · $200 statement credit when you spend $500 in the first 3 months · Earn 2% in Disney Reward.
disney visa cards credit card chase com

The Blog

Disclosure: This Disney Visa Card post contains affiliate links. Read full Disclosure Policy.

The Ultimate Guide to the Disney Visa from Chase

As a Disney fan and traveler, I’m always looking for ways to save money so I can capture more Disney magic. 

An often overlooked way to enjoy savings and gain some Disney perks for the parks or Disney Cruise is what is the atm deposit limit for bank of america Disney Visa card from Chase.

Is the Disney Visa card right for you?

Good news, I’ve pulled together all the available information about the Disney Visa from Chase and brought it all together in this guide about the Disney Chase Visa Card. We’ll compare the various Disney Chase Visa rewards and go through all the options of the Disney Premier Visa vs. the Disney Visa Card.

So, if you’re ready to dig in to all the Disney Chase Visa perks, let’s get started!

That time we bumped into Kylo Ren during an exclusive Chase Visa character greeting.

What kind of Rewards do you get with the Disney Visa Card?

Let’s start with an example:

Per Disney, a family of 4 can book a 6-night, 7-day vacation package at one of Disney’s Resorts including the Disney Quick-Service Dining Plan with tickets that are valid at all 4 theme parks for $141 per person, per day.

Total example package price: $3,943

  • If you book this on your Disney Visa Card, you will earn $394 Disney Rewards Dollars, plus a statement credit of $50.
  • If you were disney visa cards credit card chase com book this on your Disney Premier Visa Card, you would earn $788 Disney Rewards Dollars, plus a statement credit of $200.

In addition, if you’re spending those Disney Rewards Dollars in the park, during your vacation, you would save an additional 10% at the participating merchants. So, the savings can be substantial.

What is the Disney Visa Card?

If this is the first time you’ve considered putting your Disney vacation on a credit card, this can be overwhelming to understand.

Let’s break it down. There are two types of Disney Visa credit card:

  1. Disney Premier Visa
  2. Disney Visa Card

Note: neither the Disney Premier Visa nor the Disney Visa Card are the Disney Visa Debit Card. The Disney Visa Debit Card is not a credit card, but cardmembers still receive some perks. Some of the perks are similar, so if you’re not interested in a credit card, maybe the debit card would be right for you. I’ll have a breakdown of the Disney Chase Debit Card in another post. 

What’s the difference between the Disney Premier Visa and the Disney Visa Card?

So, what are the differences between the Disney Premier Visa and the Disney Visa Card?

Disney Premier VisaDisney Visa Card
Get $200 statement credit after spend $500 in the first 3 months from account opening.Get a $50 statement credit after first purchase.

Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations.

Earn 1% on all your other card purchases. 

Earn 1% in Disney Rewards Dollars on all card purchases. 
Redeem Rewards Dollars for a statement credit toward airline travel.

Purchase airline tickets with your Disney Premier Visa Card on any airline to any destination, and then pay yourself back by redeeming your Rewards Dollars for a statement credit.

n/a
$49 annual feeNo annual fee
0% for the first six months, then 18.24% APR0% for the first six months, then 18.24% APR
3% Foreign Transaction Fees3% Foreign Transaction Fees

What are the Disney Chase Visa perks?

So, that’s all great, and shows you the basic differences between the two Disney cards, but what are the Disney Chase Visa perks? 

Sign Up Bonus: $50 or $200

You get a sign-on bonus of $50 for signing up for the Disney Visa card

or

$200 for signing up for the Disney Premier Visa card.

They call this a statement credit, which you get after qualifying purchases. We’ll talk about that more in a minute.

10% off Park Purchases & Dining at Disneyland and Walt Disney World

You get 10% off select purchases of $50 or more at certain locations at Disneyland and Walt Disney World. So, there’s your souvenirs–but what about those dining options with the Disney Chase Visa card? Well, you get 10% off select dining most days at both Disneyland and Walt Disney World.

So, you’re earning as you charge.

10% off select purchases at Disney Store or shopDisney.com

Use a Disney Visa or Disney Premier Visa at the store or online to get the discount.

10% off select purchases aboard Disney Cruise Line

You get the same savings aboard Disney Cruise Line when you use your card to pay for select onboard purchases, plus you get 10% off your Castaway Cay Getaway Package.

Private Member-Only Character Meet-n-Greets / Photo Opportunities

Get access to Disney Visa Cardmember-exclusive photo opportunities with Disney or Star Wars Characters that are held in private locations at both Disneyland and Walt Disney World. Don’t worry, we’ll chat more about that later in this article.

Disney Reward Dollars

The biggest perk of the Disney Visa card is the rewards dollars–because those rack up fast. But they’re different for both the Disney Visa card and the Disney Premier Visa card.

Let’s breakdown each of these perks.

What is a Statement Credit?

When you sign-up for the Disney Visa Premier Card, you get a $200 statement credit after you spend $500 on river tiber record labels in the first 3 months after you’ve opened the account.

When you sign-up for the Disney Visa card, you get a $50 statement credit after your first purchase on the card.

So, what is a statement credit?

Your credit card statement will show a positive credit toward your balance.

So, instead of giving you rewards or money directly, the credit card company adds the amount back to your account balance, reducing the amount you owe or going toward your interest due.

The Biggest Disney Visa Card Perks: Disney Reward Dollars

Disney Visa Rewards Dollars

The biggest Disney Visa rewards perk is that you earn $1 in “Disney Rewards” for every $100 that you spend on qualifying purchases.

These rewards can be redeemed on your statement as a statement credit, or at any of the Disney parks for purchases like snacks, souvenirs, tickets, and all that.

Additionally, when you use Disney Reward Dollars (via a Disney Rewards Redemption Card), you get 10% off select items at Disney Store and shopDisney.com.

Disney Premier Visa Rewards Dollars

The Disney Premier Visa rewards dollars are earned at $2 in rewards for every $100 that you spend on gas station purchases, grocery store purchases and most restaurant purchases as well as purchases at most Disney locations.

For all the other purchases you might make on your Disney credit card, you earn $1 for every $100 that you spend.

See? Racks up fast.

Just like with the Disney Visa card rewards, these uk phone country code from usa can be redeemed on your statement as a statement credit, or at any of the Disney parks for purchases like snacks, souvenirs, tickets, and all that. 

Also, use Disney Reward Dollars (via a Disney Rewards Redemption Card) at Disney Store or shopDisney and you’ll  get 10% off select items.

What are Disney Reward Dollars?

“Disney Reward Dollars” is credit second harvest food bank brevard county earn for using your Disney Visa Card or Disney Visa Premier Card.

You don’t have to do anything but use your card to earn these Disney Reward Dollars.

You’ll earn Reward Dollars when you make purchases at the gas station, grocery store and most restaurants, as well as purchases at most Disney locations.

Then you can use them in a variety of ways.

Where Can You Redeem Disney Visa Rewards Dollars?

Of course, it’s no good to rack up all those rewards dollars if you don’t know how to use them. Disney has made this really simple.

You can redeem your Disney rewards dollars at Walt Disney World and Disneyland toward park tickets, resort stays, shopping, dining and more.

But you don’t even have to be at a Disney park to redeem your rewards–you can use them to watch your favorite new Disney movies at participating theaters, at the Disney Store or on shopDisney.com.

You can even redeem your rewards dollars toward Disney Cruise Line packages, toward your onboard activities and souvenirs onboard.

With the Disney Premier Visa, you can redeem your Rewards Dollars for airline statement credit.

If you forget to redeem your dollars while you’re out and about, when you get home, you can redeem them toward your balance. 

How do you redeem Disney Rewards?

You can sign in to your Disney account to link it with your Disney Visa Card account.

Once connected, you can:

  • Check your Disney Rewards Dollars balance
  • Request a Disney Rewards Redemption Card (when you’ve earned at least 20 Disney Rewards Dollars)
  • Transfer Rewards Dollars to a Disney Rewards Redemption Card to Reload It
  • Redeem Disney Rewards Dollars toward airline travel (Disney Visa Premier card holders only)

What is a Disney Rewards Redemption Card?

The only way to use your Disney Rewards Dollars is to either redeem them on the airline travel for Disney Visa Premier card holders, or to request a Disney Rewards Redemption Card.

The Disney Rewards Redemption Card is essentially like a debit or credit card that they send you that’s pre-loaded with your rewards.

You can reload it, like a prepaid card, or simply allow the rewards you accumulate using your Disney Visa Card to be put directly onto the Disney Rewards Redemption Card.

When you’re ready to request a Disney Rewards Redemption Card, you’ll want to do it about 3 weeks in advance of your vacation, that way you can have it in plenty of time.

But! Don’t despair if you forget. There are several locations at both Walt Disney World and the Disneyland Resorts where you can pick up a Disney Rewards Redemption Card. 

Here are the locations where you can get a Disney Rewards Redemption Card:

DISNEYLAND:

  • Disneyland Guest Relations at City Hall
  • Disney California Adventure, Guest Relations window at the entrance to the Park
  • Disney California Adventure, inside Chamber of Commerce

WALT DISNEY WORLD:

  • Magic Kingdom Guest Relations Window
  • Magic Kingdom Guest Relations at City Hall
  • Disney’s Hollywood Studios Guest Relations
  • Epcot Guest Relations
  • Disney’s Animal Kingdom Guest Relations
  • Guest Relations Welcome Center at Disney Springs Town Center

How do you use Disney Rewards Redemption Card?

You just use your Disney Rewards Redemption Card like a debit or credit card when you go to purchase your park tickets or make purchases in the park.

You can even give it to your kids to use at the park on the things they’d like to buy, although, a little parental supervision is strongly encouraged, as you’ll want to be handy to provide identification.

You can use your Disney Rewards Redemption Card on purchases at most Disney locations, in combination with cash or accepted credit or debit cards and in conjunction with other offers.

So, if you want the 10% off with your Disney Visa Card, you can combine this with your Disney Rewards Redemption Card. Basically, you should carry it in your wallet so you’re always ready to redeem when you’re on vacation!

How do you check balance of Disney Rewards Redemption Card?

If you want to check the balance on your Disney Rewards Redemption Card, you can go to DisneyRewards.com/ManageAccount and login to your account or call 1-800-300-8575 if you’re not able to get online.

If you’ve used your Redemption Card to buy something, your Disney Rewards Dollars remaining balance will be printed on your receipt.

Do Disney Rewards expire?

Yes. You have five years after earning your Disney Rewards to use them. So, you should check your balance frequently enough to keep from letting them expire–good reason to book your vacation!

Is there Special Vacation Financing with the Disney Visa Credit Card?

If you’re considering financing your vacation with your Disney Visa Credit Card, you’re definitely tioga state bank newfield to want to know about the special vacation financing on select Disney Resort packages.

The packages include:

To get this special financing, your Disney Vacation Packages have to be booked by you (or your travel agent) through the Walt Disney Travel Company, Disney Cruise Line or Adventures by Disney Travel Services, Inc. 

What is the Special Vacation Financing with the Disney Visa Premier Credit Card?

The special vacation financing really is special. You get 0% financing for 6 months from the date of your purchase, then the rate goes to a variable rate of about 18%, but you’ve got 6 months to health savings account rules dental that initial purpose off.

Other Perks of the Disney Visa Card

Special Character Meet-and-Greets

Cardholders get access to special opportunities to meet characters and take pictures with them.

At Disneyland

The special Disneyland Resort Character Experience Photo Opportunities are offered every day at Disney California Adventure Park and the Star Wars Character Experience is at Disneyland Park.

At Walt Disney World

The special Walt Disney World Resort Character Experience Photo Opportunities are offered every day at Epcot and the Star Wars Character Experience is at Disney’s Hollywood Studios.

At Epcot, there’s usually a combination of 2 characters Minnie Mouse, Mickey Mouse, Pluto and Goofy.

Of course, separate theme park admission is required for each Character Experience Opportunity. This also includes complimentary downloads of your Disney PhotoPass photos taken at the Disney Visa Character Experience at Disneyland.com/photopassort. Just scan a PhotoPass card or your MagicBand. This will allow you to download the free photos.

To get your character photos, you must have your Disney Visa Card with you. This is valid for up to 6 people per cardmember account.

Free Dining

Right now there’s a perk available for cardholders that’s specifically for Walt Disney World. When you purchase a non-discounted 4-night/5-day Walt Disney Travel Co. package which includes a room for 4 nights at select Walt Disney World Resort hotels and 5-day theme park tickets with Park Hopper Option, you get a free dining plan.

With this dining plan, every person in your party can enjoy 2 meals and 2 snacks per person, per night of your stay. Several beverage options are available—including non-alcoholic specialty beverages and, for Guests 21 and older, beer, wine and cocktails.

And, we all know, dining is so much more expensive than you think it will be, so this is a pretty sweet deal.

Does the Disney Visa Card have Rental Car Insurance?

The Disney Visa Card comes with the all of the basic Chase Visa travel benefits, including rental car coverage, baggage delay insurance and roadside dispatch services.

Are there Specific Disney World Perks with the Disney Visa?

In addition to the merchandise discount of 10% and earning your rewards as you go, there are some Disney World specific perks you get as a Disney Visa cardholder.

Exclusive Character Photo Opportunities

Special Walt Disney World Resort Character Experience Photo Opportunities are offered to cardholders every day at Epcot and the Star Wars Character Experience is at Disney’s Hollywood Studios.

15% Off Guided Tours

You get 15% discount on specific guided tours at the following parks.

Magic Kingdom Park

  • Disney’s Family Magic Tour
  • Disney’s Keys to the Kingdom Tour
  • Disney’s The Magic Behind Our Steam Trains Tour
  • Walt Disney: Marceline to Magic Kingdom Tour

Epcot

  • Gardens of the World (offered seasonally)
  • The UnDISCOVERed Future World Tour
  • Epcot Seas Adventures – Capo dei capi meaning in Depth
  • Epcot Seas Adventures – Aqua Tours
  • Epcot Seas Adventures – DiveQuest
  • Behind the Seeds
  • World Showcase: DestiNations Discovered

Disney’s Animal Kingdom Theme Park

  • Wild Africa Trek
  • Savor the Savanna: Evening Safari Experience

Multiple Theme Parks, Backstage Areas and Resort Hotels

  • Ultimate Day of Thrills VIP Tour
  • Ultimate Day for Young Families VIP Tour
  • Ultimate Day at Epcot® International Food & Wine Festival
  • Ultimate Disney Classics VIP Tour
  • Ultimate Night of Adventure VIP Tour
  • Backstage Magic
  • Disney’s Holiday D-Lights Tour (seasonally)
  • Disney’s Yuletide Fantasy (seasonally)
  • Wilderness Back Trail Adventure
  • Carriage Rides at Disney’s Port Orleans Resort and Disney’s Fort Wilderness Resort & Campground
  • Horseback Trail Rides at Disney’s Fort Wilderness Resort & Campground

Additionally, you get 15% off the non-discounted price of any salon treatment valued at $45 or greater, or any 50-minute or longer spa service most days at the spas and salons at Walt Disney World Resort when you use your Disney Visa.

Are there Specific Disneyland Perks with the Disney Visa?

Just like at Walt Disney World, in addition to the merchandise discount of 10% and earning your rewards as you go, there are some Disneyland specific perks you get as a Disney Visa cardholder.

Exclusive Character Photo Opportunities

The special Disneyland Resort Character Experience Photo Opportunities are offered every day at Disney California Adventure Park and the Star Wars Character Experience is at Disneyland Park.

15% Off Guided Tours

You also get 15% discount on specific guided tours at the following parks.

Multiple Theme Parks, Backstage Areas and Resort Hotels

  • Ultimate Day of Thrills VIP Tour
  • Ultimate Day for Young Families VIP Tour
  • Ultimate Day at Epcot® International Food & Wine Festival
  • Ultimate Disney Classics VIP Tour
  • Ultimate Night of Adventure VIP Tour
  • Backstage Magic
  • Disney’s Holiday D-Lights Tour (seasonally)
  • Disney’s Yuletide Fantasy (seasonally)

And then there’s the 2019 special perks for cardmembers:

  • An exclusive Disney Rewards insulated backpack
  • One Magic Morning entry to select attractions at Disneyland Park when you have a 3-day or longer Disneyland Resort souvenir ticket as a part of your vacation package
  • Extra Magic Hour (early admission) into select attractions each day of your Disneyland Resort Hotel stay to Disneyland Park or Disney California Adventure Park
  • Magical Extra Savings Card that gets you discounts at participating locations throughout the Downtown Disney District
  • Collectible pin, lanyard and souvenir button
  • $5 off bowling per person at Splitsville Luxury Lanes Bowling Discount in the Downtown Disney District

What are the Disney Visa Perks for Disney Cruises?

Can you pay for a Disney Cruise with Disney Chase Visa?

Yes. When you’re booking your cruise, be sure to tell your travel agent or note to the booking agent that you want to put the cruise on your Disney Chase Visa. You can then enjoy your trip with the additional perks. Because, yes, there’s more.

Are there Specific Disney Cruise Perks with the Disney Visa?

Oh, there are so many. First, you can get 10% off the non-discounted price of 10-photo, 15-photo, 20-photo and all-inclusive Disney Cruise Line digital photo packages. Then, you can get 10% off select merchandise purchases of $50 or more aboard Disney Cruise Line ships.

And, you can get 10% off a Castaway Cay Getaway Package, and enjoy snorkeling, bicycle rental, float or inner-tube rental at Disney’s private island in The Bahamas, Castaway Cay. Not interested in excursions? You can get 20% off a non-discounted massage or facial service aboard Disney Cruise Line ships on port days. So, while everyone else is out exploring, you can be onboard relaxing.

Yeah, not only are you getting the most fun out of the cruise, you’re also saving a ton, too.

To make sure you get all these perks, just be sure when you check in online or at the embarkation terminal, to enter your Disney Visa Card as your form of payment disney visa cards credit card chase com all onboard purchases. Then, when you get on the ship, your “Key to the World” card will indicate that you’re a Disney Visa Cardmember and eligible for all the perks. Then, while you’re cruisin’, be sure to mention any of these perks and how you’re using the Disney Visa Card to make sure you receive the savings.

Can You Use Your Disney Chase Visa at Aulani Resort?

Absolutely. When you talk to your travel agent or book your stay at Aulani resort, just let them know that you’re paying with your Disney Visa Card and then make sure you mark that as your form of payment for the duration of your stay.

Then, you get 10% off select purchases of $50 or more at certain locations at the resort. So, there’s your souvenirs!

You also get 10% off snorkeling in Rainbow Reef, Aulani’s private snorkel lagoon, 10% off kappa-inspired t-shirt printing and 0% off the purchase of an ‘ukulele after you complete an ‘ukulele class (because we all need lessons).

Can you purchase Disney gift cards with the Disney Visa?

Yes, you can. I don’t know why you would. It’s not going to get you any additional savings, but you can buy gift cards with the Disney Visa Card.

How do You Get the Disney Visa Credit Card?

Is the Disney Visa Card hard to get?

No. You can apply online at https://disneyrewards.com/ or you can call them at 1-800-300-8575.

What does your credit score need to be to get the Disney Credit Card?

The baseline of “good” which is 660 is the minimum score to be able to be approved for the Disney Credit Card.

How do you apply for the Disney Credit Card?

It’s really easy to apply, just go online at https://disneyrewards.com/ or call 1-800-300-8575. There will be easy steps to follow and they’ll check your credit score. All you have to do is make the call. And, to check your application status, you can call or login here: https://chaseonline.chase.com/.

What Designs can I get for my Disney Visa Credit Card?

There are a ton of different designs for the Disney Visa Credit Card. You can select one now, then change your mind in a couple of weeks. You can just ask them to send you a new design–free of charge, anytime. Just go online at https://disneyrewards.com/ or call 1-800-300-8575.

Disney Visa Credit Card Designs include Mickey Mouse, Darth Vader and more

How long does it take for the Disney Credit Card to arrive after I’m approved?

Although Chase says to wait 30 days, general consensus is anywhere between 5 days and 3 weeks. As with any credit card, though, you can use your credit card immediately, if you call them and get the number. Or, you can always ask them to ship it to you overnight–that’s something they’d be happy to do.

Is the Disney Visa Card included in Chase Bank’s 5/24 Rule?

The “5/24 Rule” is an internal, unpublished rule-of-thumb within Chase that basically says that if you’ve opened more than 5 credit lines in less than 24 months, they will not approve you for a new credit line.

This is just an informal, crowdsourced name that comes only from the internet–not from any official Chase publication.

However, it is something to keep in mind, because, although, again, this is an unpublished rule, it is likely that the Chase Disney Visa Cards are all subject to this rule.

Who can I contact for help with my Disney Credit Card?

If you have questions or need help with your Disney Credit Card account, you can go online to https://chaseonline.chase.com/ or you can call customer service at 1-800-300-8575.

How do I manage my Disney Credit Card online?

Simply login here: https://chaseonline.chase.com/

Is there a Disney Credit Card Referral Program?

Yes. You receive 100 Disney Rewards Dollars for each of your friends approved for the Disney Visa Card. The most Disney Rewards Dollars you can earn in a calendar year is 500.

If you want to refer a friend to get the card, make sure they name you as their referral so that you can get the points. You can refer as many friends as you want.

What are some additional ways to get more out of my Disney Visa Card?

There are definitely other ways to enjoy the rewards from your Disney Visa Card and here are a few of my favorite:

  • Broadway and Disney On Ice shows and with exclusive VIP packages, including:
    • Premium seating
    • Non-alcoholic beverage in a keepsake cup
    • Commemorative print
  • Star Wars movies:
    • Use your Disney Rewards Redemption Card to redeem toward Star Wars movie tickets at AMCTheatres, on the AMC Theatres mobile app or to order vouchers redeemable for tickets at other participating theaters.

  • Disney Store events:
    • Get access to exclusive events at your local Disney store by registering at Chase.com to receive Cardmember emails, including invitations to Disney store events in your area.

What Happened to the Chase Lounge at Epcot?

There used to be a cardmember favorite, a Chase Disney Visa Card Member’s Lounge at Food & Wine Festival, a “Members Only” Lounge area that was available to guests visiting Epcot throughout the International Food & Wine Festival.  

The lounge, located at the American Pavilion, was an oasis of calm in a sea of very busy festival goings-ons where guests could cool off and take a moment. They had places to recharge your cell phones and cameras and even take a few minutes to sip a free Coke. But, that was recently removed.

The entrance to the now-defunct Chase Lounge at Epcot was part of the American pavilion.

And though there are rumors that an agreement has been formalized between Chase and Disney to potentially re-open the lounge, nothing has been officially announced, so it’s just a rumor.

Conclusion

Whew! That was a lot of information about the Disney Visa Credit Card. And this isn’t even an exhaustive discussion, as they are always adding new perks and making it more fun to use your rewards at Disney.  

And, as you can tell, this is a complex subject and there are a lot of reasons to get a Disney Visa Card or Disney Visa Premier Card.

Of course, you should check out all of the terms and conditions atDisneyRewards.com/Terms. There’s so much more there than I can possibly chat about here.

If you love this discussion about the Disney Visa Card, be sure to pin it to your favorite Disney Vacation board–that way you can find it again easily.

How to Get the Disney Visa Card

  1. Have a good credit score

    The minimum credit score for approval for the Disney Visa Card is 660.

  2. Apply online or over the phone

    Visit disneyrewards.com to apply online or call 1-800-300-8575.Disney Rewards Redemption Card

  3. Select your card design

    Mickey Mouse, Star Wars, or a Disney castle are among the options available for your Disney Visa card design. Choose at the time of application.

  4. Wait 5-21 days for approval

    Approval usually takes a few days. Allow up to 3 weeks to get final approval.

  5. Check your application status online

    If you’re wondering about your status, you can check at https://chaseonline.chase.com/.

What is the Disney Visa Card?

There are two available versions of the Disney Visa card:
– Disney Premier Visa
The huntington national bank inc Visa

Both are credit cards that provide rewards for spending on the card.
Rewards include statement credit and the accumulation of “Disney Reward Dollars” that can be used at Disney parks, stores, and related purchases.

What are Disney Visa Rewards Dollars?

For every purchase you make with your Disney Visa, you earn Disney Reward Dollars that can be redeemed as a statement credit or used as cash at Disney parks, Disney Store, shopDisney.com or Disney Cruise Line.

Pin for Later

Источник: https://www.picturethemagic.com/disney-visa/

Chase Credit Card Application Status Explained: No Instant Approval, No Worries

You just clicked “submit” on your application for a new Chase credit card, and the few seconds it took to decide your fate felt like a lifetime. If you’re lucky enough to have received instant approval, you can rest easy knowing you’ll have your new card in a few days.

But that isn’t always the case. If you aren’t approved instantly and your Chase credit card application status is pending, don’t worry and assume the worst yet.

There are a handful of reasons why you might not have received an immediate approval from the credit card issuer. Even something as simple as a typo could send your credit card application to the “under review” pile. This additional review process generally takes anywhere from seven to 10 business days, although in some cases, it could take up to 30 days.

While it can be a drag, if you go in knowing what to expect, it might make the process a little more bearable.

What it means if your Chase application status is under review

It’s understandable to feel anxious after finding out you weren’t instantly approved for a credit card. You might even consider scouring your entire credit profile to identify what it was exactly that now requires further review.

Try not to overthink it. Disney visa cards credit card chase com instant approval is ideal, being notified that your application is under review doesn’t automatically mean you’re on the edge of being denied. Especially if you are applying for a business card, Chase may simply have additional questions for you.

As your application undergoes further review, Chase will consider the following to make a decision:

  • Credit history
  • Income
  • Debt
  • Housing status
  • Number of recently-opened credit cards

It’s generally all the same information normally used to make a decision, but since the criteria required to trigger an instant approval may not have been met, someone at Chase will have to take a closer look manually.

Possible outcomes

Once a decision is made, you’ll likely be notified by mail or email as to whether or not you were approved. If you were approved, you’ll find out what your credit limit is and when to expect your new card in the mail.

It’s also disney visa cards credit card chase com that Chase will request additional information to assist in the decision-making process. This could be anything from proof of income to correcting mistakes that may have been made on the initial application.

Chase business credit card applications

If you’re applying for a business credit card from Chase, it’s likely you won’t be instantly approved. The Chase Ink business cards are very popular, especially with those who also have other Chase cards that earn Ultimate Rewards, as you can pool your points across your accounts. With generous sign-up offers, high rewards rates on purchases, and spending power that’s valuable to any business, there is little wonder why so many people apply for these powerful small business cards.

But getting approved for a business card is a little more complicated than for a consumer card. There may be more information than your credit history that needs to be verified, which can result in a longer waiting period when it comes to an approval decision. A recent call to Chase Ink Business’ customer service revealed that they receive so many applications that it takes at least seven to 10 business days to review all the information before a decision is reached.

If you’re worried about the time it’s taking to get a response from Chase about your business credit card application, calling customer service is your best bet. Don’t call the reconsideration line unless you’ve received a notice that your application was denied. Doing this will possibly result in more questions to answer while your application is still under review, which unnecessarily complicates the process. Sometimes just waiting to hear from Chase is the best strategy.

How to check the status of your Chase application

If you find you’re too eager to await the decision, you can actually check your Chase credit card status as often as you want by logging into your account or calling for an update.

Check Chase application status online

To check your credit card application status online, visit Chase.com, log in to your Chase account, and click the icon in the top left corner to pull up the main menu. From there, under “Explore Products,” you should see the option “Application status.” This will open up your application activity.

Check Chase application status by phone

The other option is to call customer service for Chase credit cards and go through the automated system or speak to a representative directly. To check the status of personal credit cards using the automated system, call the status line phone number: 1-800-432-3117. Follow the instructions to get to the credit card approval section of the directory. Once there, you’ll need to enter your Social Security number to retrieve the application.

For business credit cards, call this phone number to check the status of your application: 1-800-453-9719.

How to improve your chances of being approved

The criteria you need to qualify varies from card to card, but there are a few things you can do that can help set you up for success.

  • Improve your credit score: Since it’s one of the leading factors of whether or not you’ll be approved, you should know if your credit score aligns with the credit card you’re applying for. If it means having to wait a little longer, it might make sense to work on improving your score to increase your chances of being approved.
  • Be mindful of credit utilization: Chase is going to look at whether or not you’ve been handling your credit responsibly, and this includes checking how much credit you’re currently using. If you’re maxing out credit cards or carrying over high balances month to month, they’ll see this as a red flag.
  • Keep the Chase 5/24 rule in mind: Chase has been known to operate under a little rule called Chase 5/24. Though these sorts of application rules are unofficial, this one pretty much means if you’ve signed up for five new accounts in the past 24 months, you stand little chance of being approved for a new credit card within that time frame. This includes all credit card accounts from all credit card issuers — not just Chase.

If your Chase credit card application is denied

Unfortunately, it happens. If your application is denied, consider calling the Chase reconsideration line, which is 1-888-270-2127. There’s no guarantee, of course, but it may be worth trying if your circumstances have changed or you wish to further explain something on your application.

If you can’t persuade them in your favor, you may have to focus on what you can do yourself to improve your chances going forward. Depending on your situation, this might mean taking some time to improve your credit score, reduce debt, or let the dust settle if you’ve recently applied for multiple cards.

Alternatives to Chase cards

If you aren't approved for a Chase card, you may still have some options, depending on your situation. If you have a decent credit score and you're over 5/24, you might want to consider applying for a credit card from a different issuer. For instance, The Platinum Card® from American Express is a top travel rewards card that offers comparable — and maybe even better — perks than the Chase Sapphire Reserve card.

As a new Amex Platinum cardmember, you can td bank checking account negative balance 100,000 Membership Rewards points when you spend $6,000 in the first 6 months. Plus, this rewards card offers 10X Membership Rewards points on restaurants worldwide and when you Shop Small in the U.S (on up to $25,000 in combined purchases during the first 6 months, after that 1X). Amex Platinum cardmembers also get top-tier benefits like airport lounge access, elite status with Marriott Bonvoy and Hilton Honors, a statement credit for TSA PreCheck or Global Entry, and Uber VIP status. While it does have a hefty annual fee of $695 (See rates and fees), it's possible to offset that cost if you can take advantage of this card's many perks. Note that select benefits require enrollment.

If you have less-than-stellar credit, but you're working toward improving it, the Capital One QuicksilverOne Cash Rewards card may be worth considering. It's arguably one of the best credit cards for fair credit because it earns cashback rewards. Typically, it's difficult to get approved for a rewards credit card with fair or average credit, but this card is often an exception to that rule. It carries a reasonable $39 annual fee, and you get unlimited 1.5% cash back on every purchase. Plus, you'll also automatically be considered for a credit line increase every six months, which may help improve your credit utilization. With responsible use, you could be on your way to a better credit score over time. 

Commonly asked questions about Chase application status

How long does it take to get approved for a Chase credit card?

While you may be eager to start taking advantage of Ultimate Rewards right away, credit card approval timelines may vary. If you applied online or through your mobile device, you may receive an application decision within minutes. If you didn’t receive an immediate approval, the approval process may take 7 to 10 business days.

Does Chase have 24/7 customer service?

Yes. As an existing or prospective Chase customer, you can call Chase credit card support and speak to an agent 24 hours a day, seven days a week at 1-800-432-3117.

Does Chase ever approve credit card applications instantly?

In some cases, you may receive an instant, or same-day, credit card approval online, if you are eligible. Some cards will even enable you to earn bonus points by spending money soon after your account opening. Alternatively, you may receive an email saying more time is needed or that you need to call in with more information. If you don’t receive an instant credit card application decision, you can always reach out to a Chase credit card support agent at 1-800-432-3117 for an update.

Is it hard to get approved for a Chase credit card?

Approval for a Chase credit card will vary with the card being applied for and with each applicant. Some Chase cards, like the Chase Sapphire Preferred, Disney Visa, and the Chase Freedom Unlimited, require a good to excellent credit score. Other cards require a fair disney visa cards credit card chase com score. Other factors, such as income and existing debt, are also used to determine credit card approvals. The best way to improve your odds of being approved for a Chase credit card is to work on raising your credit score.

Can I first bank of alabama app for the Chase Freedom Unlimited if I have the Chase Freedom?

Yes, you can apply for the Chase Freedom Unlimited credit card, even if you already have the Chase Freedom card. These rewards credit cards are two separate Chase products with different rewards structures. That said, be aware that Chase does keep an eye on how many cards you’ve been applying for overall, so you may want to read up on the 5/24 rule.

Can you have two Chase business cards?

Chase doesn’t have any documentation when it comes to how many Chase business cards you can have. So while we don’t know the maximum number of Chase business cards you can have, you can definitely have more than one. However, before you apply for two Ink Business cards, consider Chase’s 2/30 rule.

The Chase 2/30 rule is an unwritten policy backed up by many data points in the points-and-miles community. It indicates that if you’ve been approved for two Chase cards within the past 30 days, you’re not likely to be approved again. So if you've added the Chase Ink Business Preferred and the United Club Business cards to your wallet in the past month, it's unlikely you'll be approved for another business credit card. Some sources report that the limit is two consumer cards and one business card.

Since this is a generalized guideline and not a concrete rule, experiences may vary. But if you don’t want to risk too many hard inquiries to your credit report, it’s a good idea to keep the 2/30 rule in mind before submitting your application and when evaluating your chances of approval.

The bottom line

Getting denied for a credit card stinks, but it doesn’t mean it’s the end of the road. If you have your heart set on a specific Chase card, go through your credit report and locate any weak points that may have been a factor in their decision. Use this as an opportunity to see where you can improve and start making moves. If you’re open to applying for a credit card from a different issuer, several other options offer valuable perks like cash back and no annual fees.

Author Details

Matt Miczulski

Matt Miczulski Matt Miczulski is a personal finance writer specializing in financial news, budget travel, banking, and debt. His interest in personal finance took off after eliminating $30,000 in debt in just over a year, and his goal is to help others learn how to get ahead with better money management strategies. A lover of history, Matt hopes to use his passion for storytelling to shine a new light on how people think about money. His work has also been featured on MoneyDoneRight and Recruiter.com.

More posts from Matt Miczulski >

Источник: https://financebuzz.com/chase-application-status

How to upgrade or downgrade a Chase credit card

Over time, your spending goals for a credit card will probably change. You might choose to apply for a new credit card altogether, but you can also upgrade or downgrade your existing account.

With an disney visa cards credit card chase com or downgrade, there’s no hard inquiry into your credit report and you keep your same account information. This means you get to maintain your credit history with the only change being the type of card you have.

Chase offers its cardholders a variety of options, with 24 personal credit cards and six business credit cards advertised on its website. So, whether you’re a student, traveler or business person, there’s a card for you.

If you want to do a product change, however, you will have to change to a card in the same category. For example, you can’t change from a personal card category to a business card. Chase also has co-branded credit cards, such as the Marriott Bonvoy Boundless® Credit Card. You could switch this card with another Chase Marriott card, but not with a different co-branded card.

If you’re looking to upgrade or downgrade your Chase credit card, make sure that you meet Chase’s requirements for the new card. Luckily, Chase offers clear steps for navigating a product change. Here’s what you need to know about Chase’s product change options you have and how to make a switch.

Should you upgrade your Chase credit card?

Upgrading to Chase Sapphire Preferred Card, Chase Sapphire Reserve or Chase Slate Edge℠

The Chase Sapphire Preferred® Card and Chase Sapphire Reserve®  are two of Chase’s premium credit card properties and are best known for generous travel rewards. If your spending goals are focused on travel, upgrading to one of these cards is a great idea.

Benefits of upgrading

  • Better rewards: The Chase Sapphire Preferred offers unlimited 5X points on travel purchased through Chase Ultimate Rewards, 3X points on dining and select streaming services, and 2X points on all other travel purchases. You also get a 10 percent Annual Point Bonus on every account anniversary.
  • The Chase Sapphire Reserve offers an annual $300 travel credit, after which you earn 5X total points on air travel and 10X total points on hotels and car rentals purchased through Chase Ultimate Rewards. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases.
  • Both cards offer 1 point per dollar spent on all other purchases.
  • Access to perks: As great travel cards, both of these cards come with premium travel perks. With the Sapphire Preferred, you get travel perks like trip cancellation/trip interruption insurance, baggage delay insurance and trip delay reimbursement. The Sapphire Reserve gives you access to all of that, plus 1,300+ airport lounges worldwide after enrollment in Priority Pass Select and up to $100 application fee credit for Global Entry or TSA PreCheck.
  • Chase offers a Pay Yourself Back feature that allows customers to redeem points toward statement credits for recent grocery, dining and home improvement store purchases at an extra 50 percent value. The extra 50 percent also extends to Chase Dining purchases through Sept. 30, 2021.

Disadvantages of upgrading

  • Annual fee: Premium rewards packages usually come at a cost. The Sapphire Preferred has an annual fee of $95, while the Sapphire Reserve comes with a much higher annual price tag of $550.
  • Travel-focused: Though Chase’s August 2021 Sapphire card updates made the Sapphire Preferred more friendly for everyday use, these premium cards are still travel rewards cards. This means you can maximize your rewards earnings for travel purchases, but many other everyday purchases will only yield 1X point per dollar spent. Using your points for rewards like cash back or gift cards will not yield as much value as using them for travel.
  • No introductory APR: While these premium cards offer my sprint pay my bill rewards and perks, your purchases will not get the benefit of a 0 percent APR period. The Chase Sapphire Preferred has a variable APR of 15.99 percent to 22.99 percent, while the Chase Sapphire Reserve has a slightly higher variable APR of 16.99 percent to 23.99 percent.
  • No welcome bonus: Because a downgrade is not a new application, you’ll miss out on the great welcome bonuses offered. The Sapphire Preferred salvation army food bank nampa idaho the chance to earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. The Sapphire Reserve offers 50,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

How to upgrade your card

Upgrading your current Chase card to either the Sapphire Preferred or Sapphire Reserve can be as easy as making a phone call to Chase.

Upgrading is considered a product change, so it won’t require a hard inquiry or a new application. You will, however, have to meet the conditions for the card you’re upgrading to. For example, upgrading to the Sapphire Reserve requires an excellent credit score.

When you upgrade, you keep your same account and probably the same credit limit. If you want to request an increase to your credit limit, different steps are required. It’s also important to note that you won’t be eligible for any sign-up bonuses, although you may be able to negotiate a targeted offer when you request your upgrade.

You’ll also likely have to wait at least a year after opening your account to upgrade. This is because the CARD Act states that a credit card issuer can’t charge a cardholder a higher annual fee on the same account within the first year of opening the account.

Should you downgrade your Chase credit card?

Downgrading to Chase Freedom, Chase Freedom Unlimited or Chase Slate Edge

Downgrading may sound like something negative but can offer a lot of benefits. You want to make sure that the card you have is meeting your spending needs, and a downgrade may help with that.

The Chase Freedom Flex℠ and Chase Freedom Unlimited® credit card both http m facebook com free data great perks for cardholders. Additionally, the new *Chase Slate Edge℠ is a good option for customers looking to lose their annual, fee and it offers a 0 percent intro APR on balance transfers made in the first 12 months.

Benefits of downgrading

  • No annual fee: The Chase Freedom Flex, Chase Freedom Unlimited and the Chase Slate Edge are available for no annual fee, meaning you can stop paying for the privilege of carrying a card when you know you’re not earning it back (and then some) in rewards and perks.
  • General rewards earnings: The Freedom Flex offers 5 percent back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year. On the other hand, the Freedom Unlimited offers a flat 1.5 percent cash back on general purchases. Both cards enable you to earn 5 percent cash back on Chase Ultimate Rewards travel purchases.
  • The Chase Slate Edge doesn’t have the same cash back rewards as the Freedom Flex or Unlimited, but it does offer interesting perks, such as a yearly 2 percent APR reduction when you make consistent on-time payments.

Disadvantages of downgrading

  • Lower rewards earning: The Freedom Unlimited offers a flat (but unlimited) 1.5 percent cash citibank government travel card online statement on general purchases. The Freedom Flex offers a generous 5 percent cash back on up to $1,500 in combined purchases, but that’s limited to quarterly categories that require activation while all other purchases earn 1 percent cash back.
  • Foreign transaction fee: The Freedom Flex, Freedom Unlimited and Slate Edge all charge a 3 percent foreign transaction fee.
  • No welcome offers: Since you’re not submitting a new application, you won’t be eligible for either of the welcome offers for these cards.

How to downgrade your card

The process of downgrading your card begins the same way as upgrading. Simply call the number on the back of your credit card to get the ball rolling.

Because downgrading doesn’t involve an increased annual fee, you shouldn’t have to deal with a waiting period. And if you complete your product change within 30 days of paying the annual fee on your old card, your fee will likely be refunded.

When downgrading your card, you won’t be eligible for welcome offers. You can try to negotiate a targeted offer, however. Before you go through with a downgrade, make sure you know what will happen with your rewards points.

How to make the most of your upgrade or downgrade

Whether you are planning to upgrade or downgrade your card, there are some things to keep in mind to make the most of the transition. Most importantly, make sure you are changing to a card that better suits your spending habits and rewards goals. Here are a few other things to do to get the most of your product change.

Have good timing

Timing is everything when you are switching from one card to another. If you are changing to a card with an annual fee, make sure you time your switch in advance because of the waiting period. If you are moving to a card with a lower annual fee or no fee, make sure you change within a time frame to avoid paying the fee for the old card.

Ask about rewards transfer

You have likely accumulated rewards on your current card that you would like to keep. When you transition to a new card, make sure you have a clear understanding of how your rewards will be transferred. Your rewards will transfer to your new card, but their value might shift.

Check eligibility for bonuses

When you apply for a new credit card, there is often a welcome offer that comes along with it. When you do a product change, however, you are not automatically eligible for a bonus. But check with your card issuer to see if you can negotiate a targeted bonus offer. Many times card issuers will be open to this in order to keep your business.

*The information about Chase Slate Edge℠ has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Источник: https://www.bankrate.com/finance/credit-cards/upgrade-downgrade-chase-credit-card/

How to upgrade a Chase card

Chase is well-known for its extensive portfolio of rewards cards, including co-branded offerings from popular hotel and airline loyalty programs. But what happens if you signed up for one of these cards and it no longer suits your needs?

Whether you are paying too high an annual fee for your budget, not earning enough in rewards for your kind of spending or wishing for a more comprehensive list of benefits, there are plenty of reasons why your Chase card might no longer be working for you.

But before you apply for a new card or cancel your current one – causing a hit to your credit score – consider another option. Instead, you can upgrade or downgrade your Chase card to another product with the bank.

This option, known as a product change, allows cardholders to find another card with the same issuer that better suits their needs and keep the same account information. That means you won’t have to suffer a hard pull to your credit score, and you can swap a card that doesn’t match your spending for one that does.

Considering an upgrade or downgrade with Chase? Here’s how to start the process with the issuer and what eligibility requirements you’ll need to meet.

Top Chase cards for product changes

Everyday cash backChase Freedom Flex℠

Chase Freedom Flex℠

Flat-rate cash backChase Freedom Unlimited®

Chase Freedom Unlimited®

TravelChase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year
  • 5% cash back on up to $1,500 in combined purchases in bonus categories you activate each quarter
  • 5% cash back on travel purchased in the Ultimate Rewards portal
  • 3% cash back on drugstore and dining purchases
  • 1% cash back high fidelity ear plugs near me other purchases
  • $200 cash back if you spend $500 in first 3 months
  • 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year
  • 5% cash back on travel purchased in the Ultimate Rewards portal
  • 3% cash back on drugstore and dining purchases
  • 1.5% cash back on other purchases
  • $200 cash back if you spend $500 in first 3 months
  • 5:1 Chase Ultimate Rewards Travel
  • 3:1 restaurants, select streaming services, and online grocery orders (excluding Target and Walmart).
  • 2:1 all other travel
  • 1:1 on all general purchases

Upgrade process for Chase cards

To ask for a product change to another Chase card, you’ll need to call the customer service number listed on the back of your current card and inquire about your eligibility for whatever card you are interested in. Then, you’ll be able to complete the entire process over the phone.

The Chase representative will review your account to make sure you qualify, but you won’t have to worry about a hard pull to your credit. If you do make a product change, your account history will simply transfer to the new card – rather than opening a new account.

Tip: One of the most popular product changes between Chase cards is between the Chase Sapphire Reserve and Chase Sapphire Preferred Card. Though the Reserve charges a $550 annual fee that’s too much to stomach for some cardholders (and might even prompt a downgrade), users who spend at least $5,400 on travel and dining a year can get more value out of the Reserve than the Preferred. If you applied for the Preferred but later decide the Reserve makes sense for you, an upgrade is a great way to take advantage of the better offer.

Eligibility requirements

Before you can switch to a new Chase card, you’ll have to meet a few qualifications. Chase has strict rules in place when it comes to what cards are eligible for an upgrade or downgrade and how long you’ve had your current account. Before calling, keep the following requirements in mind:

The type of card you want

Chase requires that cardholders requesting a product change stay within the same card family. For example, you can upgrade or downgrade an Ultimate Rewards card to another Ultimate Rewards card, but you cannot switch to a card that earns airline or hotel points.

Similarly, you can switch between various Southwest Rapid Rewards credit cards, but not from a Southwest card to a Marriott Bonvoy card. Additionally, you cannot upgrade or downgrade from a personal card to a business card (or vice versa), even if both earn the same kind of rewards.

How long you’ve had your current card

Because of protections in place from the CARD Act, credit cardholders cannot be charged a higher annual fee on the same account in the first year of account opening. Due to this regulation, you won’t be able to upgrade a Chase card to one with a higher fee until your account has been open for at least a year.

While this rule does not affect your ability to switch to a card with a lower annual fee, Chase typically still requires cardholders disney visa cards credit card chase com have an account open for at least a year before downgrading. You might be able to have success downgrading sooner, but your best shot at a product change happens after the one-year mark.

Account standing

Chase has a positive reputation when it comes to approving product changes, so your likelihood of being allowed to upgrade or downgrade is pretty good. Nevertheless, before you request a product change with any card issuer you should ensure your account is in good standing. If the bank can see a history of on-time disney visa cards credit card chase com and responsible card use, you are more likely to be approved for a new card.

5/24 rule

Since upgrading or downgrading a card with Chase is a product change and you’ll keep your original account history, you won’t have to worry about it adding to your 5/24 rule count. Additionally, you don’t have to be within 5/24 to qualify for a product change.

Changes to your credit card

So what changes when you upgrade or downgrade a card instead of applying for a new one? Several things will stay the same, as you have the same account – just with a new card. The following things will not change after your product change:

  • Your card number does not change, but you’ll receive a new card with an updated CVV and expiration date – so don’t forget to update any automatic payments.
  • Your current rewards balance will transfer over to the new card.
  • Your the huntington national bank inc limit and APR will be the same on the new card as the old one.
  • Since you keep the same card number and account history, managing a new Chase card is simple. Just keep in mind that several features might change:
  • Your rewards value might shift, as some Chase cards offer a higher point value than others when you redeem your rewards for travel through the Ultimate Rewards portal.
  • You won’t receive a new introductory offer unless you receive a targeted offer directly from Chase. This includes both points-based sign-up bonuses and intro APRs.
  • If you downgrade from a card with a higher annual fee to one with a lower fee, you can first tech federal credit union locations in arizona refunded the cost as long as you switch within 40 days of the fee posting. If you miss this grace period, you can still receive a prorated refund.
  • If you upgrade to a card with a higher annual fee, you’ll be charged your new annual fee immediately.

Tip: If you plan to cancel your card with an annual fee – rather than downgrade – you will only have a 30-day grace period to do so and have the annual fee refunded.

Benefits of upgrading or downgrading your card with Chase

If your Chase credit card is no longer suited to your spending habits, requesting a product change to another Chase card can help ensure you still earn rewards that make sense for you – all without a ding to your credit score.

For example, the Chase Freedom Flex offers cash back in rotating bonus categories that you must enroll in each quarter, but some cardholders might be able to get more value out of a card with a higher flat rate on non-bonus spending, like the Chase Freedom Unlimited.

You can also ensure that you aren’t spending more than you can afford on an annual fee. If you signed up for the Sapphire Preferred but now can’t swing the $95 annual fee, you could downgrade to a no-annual-fee Ultimate Rewards card – like the Freedom Unlimited.

Alternatively, if you find yourself with more room in your budget to pay a high annual fee, you can upgrade to take advantage of more extensive rewards and benefits. For example, the Sapphire Reserve offers cardholders a $300 travel credit every year and up to $100 in credit for a Global Entry or TSA PreCheck application. These perks have a lot of potential value for frequent travelers if you can handle the card’s $550 price tag.

Tips for making the most of your upgrade or downgrade

  • Carefully read your desired card’s terms and conditions before requesting an upgrade or downgrade.
  • Regularly reevaluate if your Chase credit card aligns with your needs. You might be able to request a product change to a better fit.
  • Request a downgrade within 30 days of your annual fee posting to be eligible for a full refund.
  • When you downgrade from the Sapphire Reserve, use as much of the $300 travel credit as possible in the 30-day grace period to have your annual fee refunded.
  • If you are downgrading from the Sapphire Reserve or Preferred card, redeem as many points as possible for travel in the Ultimate Rewards portal to take advantage of a higher point value before you switch.

Popular Chase credit cards

CardRewards rateAnnual fee
Chase Sapphire Reserve
  • 10:1 hotels and rental cars through Chase Ultimate Rewards
  • 5:1 Chase Ultimate Rewards air travel
  • 3:1 general travel and restaurants
  • 1:1 general purchases
$550
Chase Sapphire Preferred Card
  • 5:1 Chase Ultimate Rewards travel
  • 3:1 restaurants, select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs)
  • 2:1 all other travel purchases
  • 1:1 general purchases
$95
Chase Freedom Flex
  • 5% cash back on rotating bonus categories that you must activate each quarter (up to $1,500 per quarter, then 1%)
  • 5% cash back on travel purchases in the Ultimate Rewards portal
  • 3% cash back on dining and drugstore purchases
  • 1% cash back on general purchases
$0
Chase Freedom Unlimited
  • 5% cash back on travel purchases in the Ultimate Rewards portal
  • 3% cash back on dining and drugstore purchases
  • 1.5% cash back on all other purchases
$0
Marriott Bonvoy Boundless Credit Card
  • 6 points per dollar at hotels participating in Marriott Bonvoy
  • 2 points per dollar on other purchases
$95
 

Chase Slate Edge℠

 

  • 12 month 0% APR period on balance transfers
  • $100 bonus when you spend $500 in the first six months
  • Lower APR by 2% each year if you pay on time and spend at least $1,000
$0
Southwest Rapid Rewards Plus Credit Card
  • 2 points per dollar on Southwest purchases and Rapid Rewards hotel and car rental partners
  • 2 points per dollar on local transit and commuting, including rideshare
  • 2 points per dollar on internet, cable, phone services, and select streaming
  • 1 point per dollar on general purchases
$69
Southwest Rapid Rewards Premier Credit Card
  • 3 points per dollar on Southwest purchases
  • 2 points per dollar on Rapid Rewards hotel and car rental partners
  • 2 points per dollar on local transit and commuting, including rideshare
  • 2 points per dollar on internet, cable, phone services, and select streaming
  • 1 point per dollar on general purchases
$99
Southwest Rapid Rewards Priority Credit Card
  • 3 points per dollar on Southwest purchases
  • 2 points per dollar  on Rapid Rewards hotel and car rental partner purchases
  • 2 points per dollar on local transit and commuting, including rideshare
  • 2 points per dollar on internet, cable, phone services, and select streaming
  • 1 point per dollar on other purchases

 

$149

Tip: Though the Chase Freedom Flex and Chase Freedom Unlimited cards are marketed as cash back cards, they are still considered Ultimate Rewards cards. That means you are able to upgrade or downgrade to or from these and the Sapphire cards.

Bottom line

Chase has a wide variety of great cards for all kinds of spenders. If you find that your card no longer suits your needs, you can likely switch to a different Chase product. That way, you’ll earn rewards matched to your lifestyle without suffering a hit to your credit score.

Just keep in mind that Chase has some eligibility requirements before you can take advantage of this option, such as how long you’ve had your account open and which products you can switch between. You also won’t be able to snag an introductory offer.

Nevertheless, choosing to upgrade or downgrade your Chase card is a great option for many types of cardholders, and the process is very straightforward.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Emily Sherman is a senior editor at CreditCards.com, focusing on product news and recommendations. She is also one of the founders of To Her Credit, a biweekly series of financial advice by women, for women. When she's not writing about credit cards, she's putting her own points and miles to use planning her next big vacation.

Источник: https://www.creditcards.com/credit-card-news/upgrade-chase-card/

Why I Keep My Disney Rewards Visa Card But Hardly Ever Use It

Sharon and I have been Disney fans for most of our lives. That being said, it should be no surprise that we have the Disney Rewards Visa credit card offered by Chase.

Back when it was introduced, you can bet I had my application in even before the card was released. In fact, my card still says Cardmember since DAY 1.  It’s not the first Disney card that I’ve had in my life. As you see, I’ve had several.

cd5

I still have my account and use it sporadically to ensure that Chase doesn’t close my account for inactivity. Why keep a card that I don’t use? There are several reasons:

The card has valuable benefits for someone who visits Disney Theme Parks.

  • The card has no annual fee
  • I’ve had the card for a long time, so it helps my credit score
  • I like having a Disney card

Annual Fee

The Disney Visa card has no annual fee.

Sign-Up Bonus

The Disney Visa Card offers a $150 statement credit after you spend $500 on purchases in the first 3 months from account opening with this link. We do receive a referral bonus if you sign up with our link, which is always appreciated.

Foreign Transaction Fee

If you use this card internationally, you will pay a 3% foreign transaction fee. It’s best to leave this card home when traveling outside the U.S. anduse a card that doesn’t charge a foreign transaction fee.

Earning Disney Reward Dollars

The Disney Visa Card earns Disney Reward Dollars. You’ll earn 1% in Disney Rewards Dollars on everyday card purchases.

Additional Card Benefits

  • 10% savings on purchases at Disney Store or ShopDisney.com
  • 10% off select merchandise purchases of $50 or more at select locations at Walt Disney World and Disneyland
  • Disney Character Experiences and Star Wars Character Experiences at our private Cardmember locations at Disneyland and Walt Disney World Resorts. You’ll receive downloads of your photos to mark your visit
  • 10% off select dining locations most days at Disneyland and Walt Disney World
  • 15% off the non-discounted price of select guided tours at the Walt Disney World Resort
  • Receive 15% off the non-discounted price of any salon treatment valued at $45 or greater, or any 50-minute or longer spa service most days at the spas and salons at Walt Disney World® Resort when you use your Disney Visa
  • 0% promo APR for the first six tioga state bank newfield following the purchase date on select Disney vacation packages or purchase of a real estate interest, including a Member Add On, in a Disney Vacation Club Resort, provided your account is not past due on the purchase date

That’s a bunch of benefits but what are they worth and should you use the card for everyday spending?

The 1% in reward dollars on purchases is abysmal. If you had a different card from Chase, like the Freedom Unlimited card, you would earn a least 1.5% cashback on all purchases, so earning only 1% back is disappointing in comparison. I look back when I used a $200 credit I earned with disney visa cards credit card chase com card for a Disney Cruise. That means I put $20,000 of charges on this card over a period of several years. I could have placed that spending on a card that would have earned me so much more if I knew better back then. Don’t make the same mistake I did.

10% savings on Disney purchases might be a great value to you but we don’t buy many things at Disney anymore. If we do, it’s rarely over $50. YMMV.

Disney and Star Wars Character Experiences. This is a perk that can save you a bunch of time. When we went, the line for the Star Wars Experience was around 45 minutes. By showing my Disney Visa, we were escorted to a special line and waited 5 minutes before our audience with Darth Vader. I’m keeping the card for this benefit alone. (Whenever they bring character experiences back.)

studio_lbvisachar_7558499498

Darth Vader was not happy with Sharon’s photobomb

The 10% off dining overlaps with a discount that I get from my Disney Vacation Club membership and from being an Annual Passholder, so I don’t get any additional value from it.

We’ve done all the Disney tours we’ve wanted to see so the 15% off the non-discounted price of tours isn’t helpful to us.

I have used the 0% interest when paying for a cruise one time since I’ve had the card.

I value some perks the card offers, and I keep it because it has no annual fee. You see, keeping cards that cost you nothing is a good thing. This is because one part of determining your credit score is your average account age. Holding a card for a long time increases your accounts’ average age (and when getting started in this hobby, you can open several cards quickly. If you have a thin credit history, that average account age can drop fast). I’ve had this card since 2003 and have no intention of getting rid of it.

Finally, I really do like having disney visa cards credit card chase com Disney Credit Card. It’s something I think I’ve had as long as I’ve had credit. I’m not totally thrilled with the card design I currently have (Sharon and I both have cards on the account and I picked the design with her in mind – at the time she was a huge Tinker Bell fan).

So for me, I’m keeping my no annual fee Disney card with Tinker Bell on it. If you’re a Disney fan, it’s a worthwhile thing to think about…it’s just not a great card to put spending on.

Want to comment on this post? Great!Read this first to help ensure it gets approved.

Like this post? Please share it! We have plenty more just like it and would love it if you decided to hang around and get emailed notifications of when we post. Or maybe you’d like tojoin our Facebook group – we have 20,000+ members and we talk and ask questions about travel (including Disney parks), creative ways to earn frequent flyer miles and hotel points, how to save money on or for your trips, get access to travel articles you may not see otherwise, etc. Disney visa cards credit card chase com you’ve read our posts before or this is the first time you’re stopping by, we’re really glad you’re here and hope you come back to visit again!

This post first appeared onYour Mileage May Vary

Like this:

Источник: https://yourmileagemayvary.net/2021/04/09/disney-rewards-visa-card/
disney visa cards credit card chase com

1 Replies to “Disney visa cards credit card chase com”

  1. My savings paid .24 on 200$ and .27 after the rate increase. Just transferred some more coin to Ally because the rates are amazing compared to other banks.

Leave a Reply

Your email address will not be published. Required fields are marked *