Reconsideration Phone
Personal Cards
800.935.9935
Business Cards
800.453.9719

Associated Point Systems

Breaking Points

May 12, 2026

Chase Aeroplan: 75K Point Bonus

Chase Aeroplan is is offering 75,000 points after spending $4000 in 3 months. That’s up 15,000 points over their standard offer of 60,000 points, which requires $3000 in 3 months.The annual fee is $95.

May 1, 2026

Chase Sapphire Reserve: 150k Points Bonus

Chase Sapphire Reserve is offering 150,000 miles after spending $6,000 in 3 months. That’s up 25,000 miles over their standard offer of 125,000 miles with the same spending requirement. The annual fee is $795. If you applied for the card after April 20, 2026 but before the April 30 announcement of this elevated offer, you may be able to call Chase to match the new bonus. With Chase’s updated rules, you’re only eligible for the welcome offer once per lifetime, so this could be a good time to apply if you’ve been considering Chase’s top personal card.

May 1, 2026

IHG One Rewards Premier: 185k Points Bonus

IHG One Rewards Premier is offering 150,000 points after spending $3,000 in 3 months, plus up to 35,000 more bonus points by spending a total of $6,000 in the first 6 months. That’s up from their standard offer of 140,000 points with the same spending requirement, with the additional 35,000 points requiring $3,000 in extra spend. The annual fee is $99.

May 1, 2026

IHG One Rewards Traveler: 125k Points Bonus

IHG One Rewards Traveler is offering 90,000 points after spending $2,000 in 3 months, plus up to 35,000 more bonus points by spending a total of $4,000 in the first 6 months. That’s up from their standard offer of 80,000 points with the same spending requirement, with the additional 35,000 points requiring $2,000 in extra spend. There is no annual fee.

Bank

JP Morgan Chase

Visit JP Morgan Chase

The Highlights

Overall, Chase Bank and Chase Ultimate Rewards are our favorites in this hobby. That’s why we suggest moving your banking to Chase, as it will help with future approvals (especially on business). The good news is Chase often offers bonuses to open new accounts. The offers range from $150 to $1,000 per account. Just Google “Chase open bank account offers” and go through the top 10 links to find the best current offer.

Chase is the originator of the 5/24 rule, which means we generally recommend starting with Chase and Capital One -- then moving on to Amex, Citi and Barclay, who have less stringent approval rules. Here’s a crucial thing to note: Chase business cards don’t show up on your personal credit report, and therefore do not count towards the 5/24 rule.

Chase is a conservative and smart lender. That means you’ll need decent credit to be accepted, and you might have to call the reconsideration line if you’re initially declined. Having your bank accounts with them -- along with a clear reason you want the card, other than a bonus -- will go a long way. Barring a rule violation (listed below), we see about 65% of original declines approved on a reconsideration call.

When points appear

With receipt of statement after meeting minimum spend

Application Rules

5/24

Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months.

Chase 2/30

You'll be declined if you apply for a third Chase card of any kind within 30 days

Chase 4/6

Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months

What to Know Before Canceling

You may want consider downgrading to maintain relationship and credit history to a no/low annual fee card in the same family (e.g Freedom Unlimited) This is not always a viable option on partner cards such as Hyatt or Bonvoy.