The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 08/01/2021.
25,651 reviews
from WalletHub and across the web
The process started on a good note. The home lending advisor told us all of the good things that we wanted to hear with our mortgage and what our estimated costs will be. I was unemployed at the time (in May) so my wife and I added my father to our loan to help cover my missing income. We told them that he was recently retired as of late 2020 and they said it was fine and that his dividend / capital gains income will count. Turns out that was not the case and we only learned this about 3 weeks later because our first client care specialist disappeared and we had no contact for 3 weeks. We even called the original lender with no response. (we are now only 2 weeks out from the original closing date). At this point (early June) I returned to work so my income was included again but of course now my income won't offset my father's debts. They refused to remove him from the loan (citing chase policy) and had to start our loan process from scratch 2 weeks before closing. So the date had to be pushed back to July 9th which was within their 3 weeks chase closing guarantee. Throughout this entire process, I was given a whole bunch of empty promises and apologies of how they had given me wrong information but nothing no reassurances that they could take care of the matter in a timely fashion. I'm given a 2nd client care specialist who was unavailable more often than when she was present so I had to deal with her boss mostly and catch her up to speed about this long-winded process. Each day was this constant cycle of me saying "is there any more information you need in order to get to closing" they always said no we have everything we need (because all they did was look at my MyHome portal to see that I had no tasks). The next day there was always something else that they needed and the process was halted because they were waiting on said information. This stretched the process out until 7/15 when we closed. But only learned the day before that Chase's estimates for closing costs were $7000 more than what they kept telling me. They had this information for months but never bothered to update the actual mortgage disclosure documents to reflect what my closing costs were actually going to be. Even when I asked about missing information all they did was read back to me the unfinished closing document. It also doesn't help that the point people who are supposed to guide me through this process knew as little as I did and only regurgitated what information is given to them by their "specialist" teams who can only be contacted by email??? Your own departments can't even contact each other by phone dragging out an already long and difficult process. I will never use Chase for any services after this awful awful experience.
As of right now I am pleased with the card. I would like a bigger line of credit but it is okay for now. I am approved for another card but not an increase on my line of credit.
THEY DO NOT WORK WITH YOU ON ANYTHING. I DISPUTED LATE CHARGES ON MY ACCT THAT WERE NOT ACCURATE, AND THEY DID NOT HELP, BUT RAISED MY INTEREST RATE AFTER AND SAID IF I WAS LATE AGAIN, MY FEES WOULD INCREASE. NOT THE BEST USER-FRIENDLY BANK. REFUSED TO CORRECT THEIR ERRORS, AFTER I TALKED WITH A REP WHO VERIFIED IT WAS WRONG.
I always like to SOUTHWEST with more benefits and when I purchase the flights on our card we automatically receive insurance during that flight as well as points with Rapid Rewards.
You can get a Chase Sapphire Preferred referral bonus for each friend that you invite to apply for the same card and gets approved. The referral bonus is 15,000 points for every referral who is approved and the limit is 75,000 points per calendar year.
Whether you refer one friend or five, you're still looking at a lot of value, especially for travel booked through Chase Ultimate Rewards. So, let's talk about exactly how to earn it.
Keep in mind that it may take a while for bonus points to show up in your account. Chase says it takes up to 8 weeks; it will appear on your Chase Sapphire Preferred statement as a “Refer-A-Friend” bonus. So, maybe you shouldn't count on using your referral bonus the next time you travel.
Lastly, you should know that Chase Sapphire Preferred isn't the only Chase Credit Card with a referral bonus. You can see what other cards are in the mix on Chase's Refer a Friend Page.
The Chase Sapphire Reserve® 100k bonus is not available anymore, as it was a limited-time promotion that ran from August 2016 through March 2017. Cardholders who were approved during that period and spent $4,000 within 3 months of account opening got 100,000 bonus points. And that Chase Sapphire Reserve 100k bonus was worth $1,500 in travel – an incredible deal.
But after March 2017, you get a bonus of 60,000 points after spending $4,000 in the first 3 months. That's still one of the biggest credit card bonuses on the market, though. And it's enough to cover more than a years' worth of Chase Sapphire Reserve®'s $550 annual fee.
So, at the end of the day, the Chase Sapphire Reserve®'s 100k bonus is no longer available because it was never supposed to be permanent. It was the equivalent of 35% cash back, and that's just not sustainable. Chase offered it to build some buzz for the new Chase Sapphire Reserve® Card when it was introduced. And since that seems to have worked, they retired that promotion. It's possible Chase could do another 100,000 point bonus in the future. But don't count on it.
Fortunately, Chase Sapphire Reserve®'s sign-up bonus isn't the only benefit you'll enjoy. You'll also receive a $300 travel credit each year. And you'll earn 3 points / $1 spent on all travel and dining purchases as well as 1 point / $1 on everything else. Those points are normally worth 1 cent each, but when redeemed for travel, they're worth 1.5 cents apiece.
The Chase Freedom Flex calendar for 5% categories for July, August and September 2021 are gas stations and home improvement stores, according to the Chase Freedom Flex rewards calendar. Chase Freedom Flex gives 5% cash back on the first $1,500 spent in a new set of bonus categories each quarter, and the calendar shows what those categories are. It also has a link to “activate” the current quarter's bonus categories, as you won't be able to earn the 5% rate without doing so.
(In 2020: Walmart and PayPal)
The Chase Freedom Flex 5% calendar is pretty straightforward and easy to use. But there are a few other things you should know about its features and protocol.
Unfortunately, you can't see the whole year's cash back categories in advance. But you do get about a month's notice, and Chase is very transparent about the activation dates. Just be sure to activate the bonus categories each quarter. And read the fine print to see which purchases qualify for 5% cash back.
The easiest way to apply for the Amazon.com Credit Card is online. Alternatively, you can submit an application for this card at your nearest Chase branch. You cannot apply for the Amazon.com Credit Card over the phone.
To apply, you must be at least 18 years old, have a valid U.S. Social Security Number, and have a U.S. physical address. To have a good chance of approval, you'll also need a score of 700+; this means you need at least good credit to get it.
If you don't get a decision instantly, you can check your application status by calling (888) 338-2586.
Ultimately, if you are interested in applying for the Amazon.com Store Card, you can also do that online. This card is issued by Synchrony Bank and it can only be used for Amazon.com purchases.
The Chase Freedom Flex Refer a Friend program gives you a $100 cash back bonus for each friend who applies for a participating Chase Freedom card with your link and gets approved. The participating Chase Freedom credit cards are Chase Freedom Flex and Chase Freedom Unlimited®.
You can get the Chase Freedom Flex referral bonus 5 times per calendar year, for a total of $500. To refer a friend for either Chase Freedom Flex or Chase Freedom Unlimited®, go to Chase's Refer a Friend page and enter your last name, your zip code and the last 4 digits of your card number. You'll get a link to share with your friends through email or social media. Then, all you have to do is sit back and let the referral bonuses roll in.
You can send Chase Freedom Flex Refer a Friend links to as many people as you want, but you're limited to 25 per 24hours. If someone applies for the card but isn't accepted, you don't get a bonus. But denied applications don't count against your five yearly referrals.
Chase won't tell you if someone used your link, or whether they were approved or denied. So, you'll have to hear it from your friends. If you know you've earned a bonus, you should expect to wait up to 8 weeks for the bonus cash back to post to your account.
Your web browser (Internet Explorer) is out of date and no longer supported.
Please download one of these up-to-date, free and excellent browsers: