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Our first reader question today comes from Ben, who tweeted me @thepointsguy with a question about minimum spending requirement time frames:

“Two customer service representatives told me Chase gives you 103 days to meet a 3 month spend. Any experience with this? 90 days vs. 103 is a big difference.”

This is actually true! Chase starts the clock at the time you get approved for that new card, but everyone knows you don’t actually get the card for the several days it takes Chase to actually create your account and mail it out to you, so the bank gives you a 13-day grace period on top of the advertised 90 days.

However, I would not push your spending requirement window to the limit, especially when there’s a large bonus involved. I always try to hit my minimum spending requirement as soon as possible. Sometimes it is difficult to gauge your actual limit since most credit card companies start the clock the minute you’re approved and it’s often hard to tell what exact day you were approved – especially if your account is put into pending.

So my advice if you’re having an issue with spend is always to call up the bank and ask them what the due date to hit your minimum spending requirement is. The last thing you want is to think you have a certain amount of time to hit your spending requirement and to miss out on a big bonus like the Ink Bold or Ink Plus’s 50,000-point bonus or the Sapphire Preferred‘s 40,000-point bonus but miss out entirely. Most credit cards are sticklers about that and won’t give you the bonus unless you hit the spending requirement unequivocably before the due date, so always try to hit it as soon as possible and if in doubt, don’t be afraid to call up and verify.

Chase Sapphire Preferred® Card

With great transfer partners like United and Hyatt, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game.

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More Things to Know
  • 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 on Purchases
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer Fee
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.