As Nancy recently covered in her post, many folks are being targeted by Chase for pre-qualified credit card offers that sometimes bypass 5/24 restriction. They certainly don’t guarantee an approval, but they do seem to increase your chances.
In the past, only “offers for you” section would bypass 5/24, but at the moment pre-qualified offers in “credit cards” section seem to also do the trick. In order to find those, click here:
Then look for a black star next to a credit card and make sure “T and C” shows fixed APR. This is what I recently saw in my husband’s Chase profile:
I got the usual, as in nada. Out of the three offers, United card was the most appealing one. The first annual fee is waived, and 40k miles after spending $2k is nothing to sneeze at. I speculatively value the offer at $400 minimum. Of course, there is an option to get an additional 25k miles after spending $10k instead of $2k.
I might do that or I may not. The deal is worth it, regardless. If I decided to go for the whole thing, I would have to prepay some bills via Plastiq (my referral link ) and possibly use PayPal (3% fee).
I went ahead and looked up my husband’s United Mileage Plus number and applied via his online profile. Approved! I then saw something extremely strange. The new card showed up in my Chase online profile instead of my husband’s.
I honestly have no explanation for this, so maybe some IT savvy person can solve this puzzle. I did have tabs for both of our Chase online profiles opened simultaneously. But the pre-qualified offer was definitely in my husband’s profile, not mine. No, my delicate female brain did NOT get temporarily confused!
So, I started thinking. What if I apply again and this time have only one tab opened? Would my husband get approved so we could get the second United bonus? I hesitated because I really don’t want to draw any attention from Chase. However, the first approval was clearly in my name.
I pulled the trigger and voila, the second card was approved as well. It promptly showed up in my husband’s online Chase profile. I’m very puzzled by this whole thing, but hopeful that in a few months we will be at least 84k United miles richer. I’ll have to call and change the United number for my card once I get it in the mail. Fingers crossed, there won’t be any issues.
As it stands, I have semi-definite plans for United miles within the next seven months. We are hoping to go to Quebec City in summer of 2021, and redeeming United miles on Air Canada (no fuel surcharges) will be ideal.
Of course, if things don’t work out, I can always use them for a flight to Europe to visit my family.
When it rains, it pours
This was a totally unexpected win, assuming Chase doesn’t shut us down. It just goes to show that waiting until you are under 5/24 isn’t always the best course of action. Obviously, the decision is yours, and I’m not trying to persuade you one way or another.
For me personally, applying for lucrative offers rather than waiting for Chase to finally welcome me with open arms has been the right strategy. And as you can see, I got to have my cake and eat it too. That’s the hope at least. As they say, don’t count your chickens (miles in my case) before they hatch.
After many recent denials, I was leery to apply for any new cards because it seemed like a hopeless case. But just a week ago (before I saw pre-qualified United offer) I threw caution to the wind and applied for Citi Expedia Rewards Voyager card. I learned about it on LazyTravelers blog and instantly saw the potential. I won’t rehash the whole thing and recommend you read the linked post.
In a nutshell, if all goes well, I will be able to get around $700 in hotel value out of that thing if I book a VIP Access hotel (search listings via this link). By the way, VIP Access doesn’t necessarily mean the hotel is super expensive. This is honestly the only reason to apply for the card, since value for regular hotels is reduced in half.
Speaking of Quebec City, there are quite a few central VIP Access hotels listed, so that made the decision to apply a no-brainer. Of course, there is always a chance that Expedia devalues the program, but that’s the nature of the game we play. Some have reported that buying airline gets cards triggered $100 incidentals reimbursement, but you shouldn’t count on that.
If we don’t end up using points on hotels in Quebec City, I will redeem them on South Seas Island Resort in Captiva, Florida during off-season. I’ve wanted to stay there for a long time, but don’t like paying cash.
My application was approved, and my husband’s is still pending. Non-Affiliate application link for the card (look for 70k points offer with $95 annual fee, valid until December 2nd)
If you are relatively new to this hobby, I don’t recommend this card or United offer, for that matter. Instead, focus on flexible points earning cards or lucrative cashback products first. See Nancy’s post for more details.
I hesitated a little before applying for both United cards. Now I have to juggle three offers, possibly four if my husband’s Citi Expedia Voyager card gets approved by some miracle. But the payoff to me is worth it.
Pre-qualified offers in my husband’s profile have since disappeared, and who knows when I will see them again. I believe in seizing the moment when it comes to opportunities like this one.
If all goes well, my bonus haul will mostly cover award tickets to Canada as well as hotels. No, the trip won’t be free. But here is the thing. I would pay for airline tickets and lodging out-of-pocket since I really want to visit Quebec City. Thanks to this hobby I don’t have to agonize over the decision for fear of jeopardizing our limited family savings.
Leana is the founder of Miles For Family. She enjoys beach vacations and visiting her family in Europe. Originally from Belarus, Leana resides in central Florida with her husband and two children.