I just wanted to verify before I plunge. Marriott biz is not subject to 5/25. Best offer is 75,000 pts. And chase will allow 3 business cards. And I will have to hit the 3k spend before the 26th? Did I get it all? Oh and there are no referrals on the churners?
Marriott Biz is not subject to 5/24 -- you can be approved for it even if you're at or over 5/24.
Best offer on it is 75k Marriott points after $3k/3 months. (I don’t believe the first year AF is waived anymore.)
Sadly, no referrals.
Several of us have 3 Chase business cards by applying with only our SSN (sole proprietorship). (I have the CIP, Marriott Biz, and CIC.) Keep in mind that other factors may affect whether Chase approves you for a third business card, including your creditworthiness, how much credit has already been extended to you across all Chase cards overall, whether you have too many cards, too many cards or inquiries in too short a time period, etc.
You'll find the following language on the Marriott Biz application page:
This bonus is available to you as long as you have not received a new cardmember bonus for this product in the last 24 months. Please note effective 08/26/2018: You may not be eligible for the bonus if you hold, or have previously held, a Marriott International co-branded card issued by a United States credit card issuer.
Eligibility for the new cardmember bonus: The bonus is not available to you if you:
(1) are a current cardmember of this business credit card;
(2) were a previous cardmember of this business credit card who received a new cardmember bonus for this business credit card within the last 24 months;
Effective 08/26/2018:
The bonus is also not available to you if you:
(3) are a current cardmember, or were a previous cardmember within the last 30 days, of the Starwood Preferred Guest® credit card;
(4) are a current or previous cardmember of either the Starwood Preferred Guest® Business or the Starwood Preferred Guest® Luxury credit card, and received a new cardmember bonus or upgrade bonus in the last 24 months; or
(5) applied and were approved for the Starwood Preferred Guest credit card, Starwood Preferred Guest Business credit card, or Starwood Preferred Guest Luxury credit card within the last 90 days.
There’s some debate whether this means you won’t get the bonus even if you apply for the Marriott Biz before 8/26/18, if you don’t meet the MSR and trigger the bonus until after 8/26/18 – in other words, whether these new restrictions would apply to whether you get the
bonus after 8/26/18.
I don't think that's right. This is not how offers traditionally attach to new card signups. If you apply for the card before 8/26/18, restrictions (1) and (2) should apply, then if you read on in the offer terms, "[t]o qualify and receive your bonus, you must make Purchases totaling $3,000 or more during the first 3 months from account opening." Chase can't just approve you for the card, give you 3 months to meet MSR, but then tell you, oh you don't get the bonus because the terms changed during those 3 months, you should have known because we posted it on the application page, you should have spent faster. I'd file a CFPB complaint so fast against Chase if that agency even has any teeth left.
Take for example the new Amex SPG Biz offer with 100k Marriott points. Under the new restrictions set to take effect on 8/26, you aren't eligible for it if you have or had the Marriott Biz in the last 30 days, or opened a Marriott personal card from Chase in the last 90 days, or received a welcome bonus from a Marriott personal card in the last 24 months. But a Redditor on r/churning "confirmed with an [Amex] CSR that as long as you apply and are approved (and of course never had the specific SPG card), you are eligible for the welcome bonus for the SPG Biz or personal." In other words, as long as you have never had the SPG Biz before, apply and are approved before August 26th, you would be eligible for any current offer regardless of what Chase cards or bonuses you have or had. If, as most people think, Marriott is the one pushing these restrictions on Chase and Amex, whether you qualify for a Chase bonus after 8/26 should be handled similarly to how Amex is handling it.
All that said, of course, the safest thing to do would probably be to apply for and meet the $3k MSR on the Marriott Biz before 8/26 if you can.
) OH- and can you bring drinks with you on a Friendship Boat to the parks?
