For years now, Chase has been unofficially giving 115 days from signup for the spend requirement on the signup bonus, despite the official ‘3 months’ verbiage. When asked via Secure Message about how long you had, they consistently replied with with 115 timeframe.
Multiple Reddit reports (here and here) indicate that Chase reps are now replying with the official 3-month timeframe as the amount of time you have to meet the spend requirement, e.g. if you are approved on June 10th, they’ll say you have until September 10th.
Furthermore, the Chase online signup bonus tracker shows the 3 month timeframe as well. I’m unsure if it always showed that way there or if that’s a recent change (for context, that tracker has only been in existence for a few months).
It’s not clear if they changed the internal policy. At the least, they are now – at least publicly – shifting to the 3 month date as the official end date.
One data point in the comments indicates that they still, in practice, give longer than 90 days. Another data point confirms this as well. Another one. Another one for 2020. Another for 2023.
Another 2024 DP:
Opened card around 5/8-5/10, received welcome email from Chase on 5/17.
8/9 – Made just under $4000 spend because I forgot the annual fee doesn’t count.
8/14 – Organically made more purchases, well over $4k spend
8/15 – Messaged Chase and they told me I missed it and the last day was 8/10 for me.
8/17 – They messaged me again and apologized, said I did in fact meet it, and I will be getting 75k points. I see the points are pending in rewards portal.
Updating the below comment – pending charge from the last qualifying day posted and points were shown as pending!! Final charge made on day 93.
Just got told we missed the deadline by a day on the phone and all of your messages are giving me hope. Looks like we have some pending charges that would put us over so fingers crossed we have the same luck as all y’all!
2024 DP:
Opened 3/1
5/30 90 days, $300 short
6/1 called Chase and was told too late, although we were told 6/1 was the last day
6/2 (today) hit spend, fingers crossed we get the bonus. I’ll update when I find out
Also, we have some pending charges that were made on June 1 that would put us over the minimum spend so hopefully that will be enough. Obviously I put more on the card today to be sure we’re over.
2024 DP:
Opened 10/4
1/7 90 days
1/8 – Messaged chase asking for some leniency and was told too late to get the bonus
1/13 Hit spend and SUB points are pending.
First 2024 DP!
Opened 10/3
1/1 90 days
1/12 Hit spend and pts are pending.
101 days.
Opened account (CSP) 8/06/23
Missed 90 days
Hit the spend amount on 11/27/23
114 days
Bonus points now showing as pending.
Another DP for 2023:
04/28/2023 – Opened Ink Unlimited
08/05/2023 – 100 days later, met minimum spend (forgot about the card and was short $60!)
08/07/2023 – Payment posted, shows sign up bonus pending next statement
I noticed in the app it only gives me 90 days to complete the signup . After being approved the is a bar that tells you that you have x amount of days to complete spending for bonus and that is 90 days. But not sure if this tracker is accurate or not
Can add another data point for a Chase Ink Biz.
Missed the 90 spend deadline (confirmed several times via secure message, including a denied extension of the deadline).
Hit the spend around day 103.
New spend bonus received.
…
Thanks for the DP!
2023 DP:
12/26/22 – Opened Ink Cash
04/17/23 (113 days later) – Finished MSR (wasn’t intentionally late, but my tracking for this card had been messed up)
04/20/23 – SUB showed as pending in UR portal