Chase Is Extending SOME Welcome Offer Deadlines


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Out of the three big credit card issuers, American Express has so far been the one to lead the way with customer-friendly changes like welcome offer extensions and new targeted offers and bonuses appropriate to the situation a lot of us are finding ourselves in…but Chase appears to be starting to make an effort too.

Miles to Memories appears to have been the first to break the news that Chase is quietly extending the welcome offer earning period for select cardholders but, as Frequent Miler found out, the extensions aren’t universal and they don’t always cover all parts of a welcome offer…so here’s what you need to know:

Chase Welcome Offer Extensions

While American Express put up a big notice on its website to let us all know that it was extending the earning period for welcome offers Chase appears to be relying on word of mouth – there’s no official announcement on Chase’s website at the time of writing – but that doesn’t detract from the accuracy of the following information (it has been confirmed by Chase):

  • For cardholders who opened new accounts between 1 January and 31 March 2020, Chase is automatically extending all 3-month welcome offer earning periods to 6-month welcome offer earning periods.
  • For cardholders who opened new accounts from 1 April 2020, Chase is considering the merits of a welcome offer extension on a case by case basis – cardholders should call Chase to see if they can get the card issuer to extend the time they have in which to earn their welcome bonus.

This next bit of information has not been confirmed by Chase but it was emailed to a Frequent Miler reader by a Chase representative:

  • Where a credit card has a two-tiered welcome offer which awards one part of the bonus after 3 months and the second part after 6 months, the 3-month earning period is extended to 6 months but the 6-month earning period isn’t being extended at all (at the moment).

How This Works In Practice

For a card like the Chase Sapphire Preferred credit card this is very straight forward.

The card has been offering 60,000 points to cardholders who spend $4,000 on purchases in the first 3 months after opening their account for some time, so anyone who applied for this card between 1 January and 31 March 2020 will automatically be given a total of 6 months (from the date of account opening) to spend the $4,000 needed to trigger the welcome bonus.

Cardholders who applied from 1 April 2020 will have to call in and request a 3-month extension to their welcome offer earning period.

For a card like the World of Hyatt credit card (which just got a lot more interesting) things may be a little more complicated.

The World of Hyatt card’s welcome offer has been in two parts for a while:

  • Earn 25,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.
  • Earn a further 25,000 bonus points after you spend a further $3,000 within 6 months of account opening.

If the information we’ve seen is correct, the 3-month earning period for the first part of the welcome offer is being extended (for those who applied between 1 January and 31 March and for those approved when they call in) but the earning period for the second part of the welcome offer remains the same.

Bottom Line

It’s not clear why Chase hasn’t just come out and announced what it’s doing with the welcome offer earning periods (it would be good publicity) but it’s clear that the welcome offer earning periods are being automatically extended for some cardholders while others may have to call in to get their earning periods extended.

If anyone has any further information or data points to add please let me know in the comments below and I’ll update this post as necessary.

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