Tag Archives: Chase Ultimate Rewards Points

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Instant Access to Chase Sapphire Preferred Credit Card After Approval with Apple Pay & Google Pay

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Updated at 8:15am PT on 4/23/25: I completed the $5,000 minimum spending requirement and the 100,000 Chase Ultimate Rewards Points show as pending in my account – all before even receiving the physical card in the mail.  You can also refer friends and family members to the CSP before receiving the physical card in the mail.  See both updates below.

Good morning everyone, I hope your weekend is going well.  Last night, I was looking into credit card options since Laura and I have some large purchases coming up in the next few months.  While researching, I wanted to see if the Chase Sapphire Preferred Credit Card (CSP) (click here to learn more and apply) offers instant access to the card, and I was happy to find out that it does!

According to Chase: “Spend Instantly: Apply for a card, use it the same day. Receive instant access to your card by adding it to a digital wallet, like Apple Pay®, Google Pay™, or Samsung Pay.” You can check out the full details here chase.com/digital/spend-instantly.  In this post, I will show you the process to add the CSP to your Apple Pay Wallet.

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PSA: IHG Points Sharing / Transferring Between Accounts IS NOT Instant (Mine Took 2 Days)

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Good afternoon everyone, happy Friday!  Last weekend, I needed to book a last minute IHG hotel stay that cost 47,000 IHG Points.  Laura had a 40K Free Night Certificate and 3,000 IHG Points in her account.  Since we are both IHG Business Rewards Members (free membership), I decided the *easiest* and *quickest* option would be to transfer 4,000 IHG Points from my account to her account.  I submitted the points transfer request and planned on booking the hotel stay right away.  Unfortunately, IHG had other plans.  After submitting the request, the confirmation message said “Your order has been received and will be processed in the next 72 hours.”  72 hours?!  I was planning on checking into the hotel tomorrow afternoon…

Long story short, instead of transferring valuable Chase Ultimate Rewards Points or Bilt Rewards Points to Laura’s IHG account, she bought 5,000 IHG Points since IHG was running a 100% bonus on IHG Points.  In case you are wondering, the IHG Points sharing / transfer took about 2 days (~46 hours to be precise).

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Access Your Chase Credit Card Referral Links in One Convenient “Combined Referral Page” (Desktop & App)

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Good afternoon everyone.  Between my wife and I, we have 12 Chase credit cards. Previously, I would need to go to the Chase Refer-A-Friend website (https://www.chase.com/referafriend/catch-all), and then type in my last name, zip code, and last 4 digits of the card number.  If I only had 1 or 2 Chase credit cards, it wouldn’t be that bad, but looking up 12 different referral link one at a time is very tedious and time consuming.  Thankfully, Chase has a better way…

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Chase 5/24 Rule Is Overrated: 6 Credit Cards & Bonuses I Scored After I Stopped Worrying

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Good morning everyone, I hope your weekend is off to a great start.  Every time a new credit card is announced or the sign up bonus increases to an all-time high, bloggers and readers debate endlessly about whether the card is “worthy of a Chase 5/24 slot.”  Back in the day (before the Chase 5/24 Rule existed), I think Chase had the best credit cards and the best sign up bonuses, but those days are long gone.  Many credit cards from American Express, Bank of America, Barclays, Capital One, Citi, US Bank, and Wells Fargo have bigger sign up bonuses and more transferable points than similar Chase credit cards. I like to think of myself as a free agent when it comes to credit cards, miles, and points, so I Chase chase the credit card sign up bonus, regardless of the credit card issuer.

I currently have 8 Chase credit cards, and based on my Chase 5/24 score, I won’t be able to pick up any new Chase credit cards for more than a 12-18 months.  The last Chase credit card I applied for was the Chase Ink Cash Credit Card and I was happy to pick up 90,000 Chase Ultimate Rewards Points.  Here is my current Chase credit card roster:

Grant’s Chase Credit Cards Opened Notes
Chase Freedom Flex 1 11/1/2013 Opened Chase Freedom (2013), converted to Chase Sapphire Reserve (2017), & converted to Chase Freedom Flex (2021).
Chase IHG Rewards Select 11/18/2013
JPMorgan Chase Ritz Carlton 12/15/2014 Opened JPMorgan Chase Ritz Carlton (2014), converted to Chase Marriott Premier Plus (2017), & converted to JPMorgan Chase Ritz Carlton (2019).
Chase Ink Plus 3/21/2016
Chase IHG Rewards Premier 7/25/2018
Chase Freedom Flex 2 7/13/2021 Opened Chase Sapphire Preferred (2021) & converted to Chase Freedom Flex (2023).
Chase IHG Rewards Business 6/17/2022
Chase Ink Cash 10/13/2023

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My IHG Hotel Strategy: Points, Free Night Certificates & Multiple Rebookings

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Good afternoon everyone.  Last week, Laura and I were in New York City for her Spring Break.  I had 2 IHG Free Night Certificates (40K capped FNC from my old Chase IHG Select Credit Card and a 40K uncapped FNC from my Chase IHG One Rewards Premier Credit Card) that were expiring soon that I wanted to use.  We were staying for 4 nights, so I could have used the IHG 4th Night Free Benefit, but I wanted to use up those 2 IHG FNCs instead.  We decided to stay at the Crowne Plaza Times Square because the hotel is 1-2 blocks away from Times Square, surrounded by many musical theaters, very close to many subway lines (including the subway that goes from Manhattan to JFK (via the Jamaica Station), and walking distance to Central Park / Cruise Terminal / Rockefeller Center, etc.

I didn’t take screenshots during the booking process, but here is the booking strategy I used which I will explain below.  To get started, I searched for 4 nights to ensure that there was availability every night using points.  I clicked the Select Hotel button to view more details.

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