OP: if you are going to get the card,
check around for promos first. I was recently offered the $150 in rewards for the card. That offer was sent to our home. I had gotten the
$200 offer a while back, read the offer and it stated that previous card holders were exempt, THEN found here on
DIS that even though I already had a card, I could STILL apply but had already thrown out the offer. Called Chase, after about 2 weeks, got a sorry, we cannot re-offer that offer.
I was so angry and frustrated.
Then , Chase sent a new offer for $150. I had dh apply (he also has the card already. he got Denied
We both freaked out, as we knew we have great credit...the denial said that he recently opened another credit card (then we realized he did, for a SW visa (we got FREE R/T tix for THAT one, $59 fee, though still very worth it for us) and it is also thru Chase. What we neglected to do was notice that they gave him 25K in credit for that card and we really only got it for the free flight, just about 5 weeks ago. SO, I ran a credit check/score to be sure, and his score is 822
so we feel good about that and
about why they would not give him another.
SO,
I applied and got the card last week, one purchase, WaahLa 150. in rewards to add to our 250+ we already have from other cards
Meanwhile, I also got in on that free $25. DVC promo on board...
So
READING the DIS SAVES you $$$$.
I never would have applied for the 2nd, NO fee Disney Visa had I not read it here.
What I will say is, I pay it off before I am even billed and have
no cc debt (as I refuse to pay anyone interest
They also send out 3 or 5times rewards, I got the 3x and that also adds up.
Chase also sent along that $100.00 Cash reward for opening a bank account for 6 mos....that was another no brainer once again as the interest everywhere is so darn low, I just pulled $, (5K minimum) and threw it into Chase and got another $100...So THIS month, Chase has paid ME $275. plus another accumulated $250 (and counting) on our rewards card. Can you SEE me dancing with JOY
THEN I also learned on the
DIS (
HUGE shout out to "loveswdw"
)that Delta Skymiles (we had SO many accumulated) can be used for Hotels and we can Literally get POR for 4 nites FREE and a stay at MCO/HYAtt as well, FREE, so we're figuring that ALL out....with a current pkg, I loathe to change it all up.....may save it for another trip.....
OH, to keep it all in perspective mind you, today I visit the "new" specialist" dentist who has to do a root canal and I ran out of my dental insurance, so this morning $750. I am not really looking forward to spending
or the Dentist since my last few weeks have been spent in a dentist chair But THANKFUL I have that money and just want to be DONE with the dentist and SOON!!
So, I digress
(I really think this dentist thing is stressing me out
)
Look around to see what Offers Chase Offers before applying to perhaps get some FREE rewards money Just for applying. Good Luck...I think over on DVC board is $100 free offer???
Ask around, you did not have to be a dvc member???
Good Luck!!!!
For example, DD is in college -- we save up the money to pay the bill, but we put her dorm room & board expenses on the Disney Visa (and pay it off as soon as we get the bill) but $6000 year room and board gives us a nice array of adult beverages at Epcot World Showcase courtesy of rewards card $$. Best part is, we can call Disney Visa from the park & load the rewards card over the phone.
