Chase Sapphire Reserve℠

Sunday Reader Question: How Long Does It Take For Credit Card Sign-up Bonuses to Post?

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TPG reader Paul writes:

“Saw your post a couple months ago about the Chase Sapphire Preferred.  I wondered if you could tell me how long it took Chase to post the bonus points to your account after reaching the minimum spend?” 

Chase is probably the best credit card issuer when it comes to posting points. They generally deposit to your account once your statement closes in the month that you hit your spend requirement (which is $3,000 within 3 months for the Sapphire Preferred).

American Express will usually post the points a month after the statement closes when you meet the spend. Points go into “pending” status for a month, but if your account is in good standing, you can call and ask for them to be posted into your account if you need to use them.

I only have a couple Citi cards, but I remember those bonuses posting in a relatively timely fashion – within a month of hitting the spend, though feel free to share your experience.

Chase Sapphire Preferred® Card

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  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR Regular APR Annual Fee Foreign Transaction Fee Credit Rating
N/A 16.24%-23.24% Variable Introductory Annual Fee of $0 the first year, then $95 0% Excellent Credit