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The noose keeps getting tighter around ways to earn miles and points. We’ve seen several shutdowns of avenues for manufactured spending, from Target not allowing credit card and then debit card loads to its Target Redcard, to Serve and Bluebird accounts being shutdown as well as Citibank no longer allowing you to fund checking accounts with a credit card.
Credit card churning (signing up for many credit cards every couple of months) has been another lucrative source of miles and points, but those avenues are slowing down if not drying up completely. American Express has long had a rule where you are limited to one signup bonus per card per lifetime (for personal cards), and Chase recently introduced the 5/24 rule
The Chase 5/24 rule
The Chase 5/24 rule has said that if you’ve applied for 5 or more cards in the past 24 months, they would automatically decline your application for many Chase cards. Originally, it was only for the Chase Sapphire and Chase Freedom cards, but recently we reported that the 5/24 rule was going to start applying to the Chase Ink business cards as well.
Now, Doctor of Credit is reporting that the 5/24 rule is going to apply to all Chase co-branded cards as well! This change is reported to start in April, so you do have a few months to get at least 1 (maybe 2?) Chase co-branded cards before the deadline hits
What co-branded Chase cards to get before April?
There are a couple of Chase co-branded cards that I think it could make sense to get. The Chase Marriott card (affiliate link) has the highest signup bonus I’ve ever seen, with 80,000 points after spending $3,000, PLUS 7,500 additional points for adding an authorized user. The $85 annual fee is not waived
The IHG card (Why you should get 2 IHG cards at the same time) might be another option. The public link is for 60,000 points, though there are reports that a Chase IHG 80k offer is available. That one is probably a keeper as the $49 annual fee gets you one free night at ANY IHG hotel worldwide (Where I “wasted” my 2 IHG free night certificates).
There are others that may be angling for the Southwest Companion pass, which requires you to earn 110,000 Southwest points in one year. While there are ways to earn the Companion pass without the credit card, it certainly makes things easier! The public offers are for 25,000 points but there are offers available for 50,000 points still
One of the United or British Airways cards is another option.
Are you going to sign up for a Chase card between now and April? Which ones do you find most attractive?
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