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Chase Changes FU SUB

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rgate88
Regular Contributor

Chase Changes FU SUB

Just saw that Chase has now changed the SUB on the FU from 3% for the first year on the first $20k, to now match the Freedom ($200 on $500 of spending).

 

Thoughts on this? I'm in the garden for now but was really hoping to get the FU and rack up that bonus. Such a shame.

CO Platinum - $500; CO Quicksilver - $2,000; Marcus GM BuyPower - $700; Target MC - $9,000; Chase Amazon Prime - $17,300; PNC Core - $27,000; Citi DoubleCash - $8,300 - AmEx Everyday - $2,500 (was $20,000); Citi Simplicity - $29,500; Chase World of Hyatt - $17,300; PayPal LOC - $10,000; PNC Cash Rewards - $43,500; U.S. Bank Altitude Go - $15,000; AmEx Platinum - NPSL ($7,800 POT); Elan Max Cash (Alliance CU) - $25,000; Alliance CU LOC - $2,000; BMO Harris Cash Back (Was Bank of the West Cash Back) - $3,000; (Closed Block-Fi - $15,000 RIP); Wells Fargo Autograph Visa - $10,000; Chase Freedom Flex - $20,300; Venmo - $15,000; AllTru LOC - $10,000


Business Trade Lines - Chase Ink Cash - $4,000 (original limit $19,600); Chase Ink Preferred - $10,000; AmEx BBP - $5,500; Hilton Honors Business - $5,000; FNBO Evergreen Business - $15,000; Elan Business Visa (Alliance CU) - $20,000; Citi Business AAdvantage Platinum Select - $16,000; Marcus GM Business - $2,500; Kabbage LOC - $10,500; Marriott Bonvoy Business - $14,600; Barclays AAdvantage Aviator WE Business - $7,000; IHG Rewards Premier Business - $5,000; Edward Jones Business (Elan) - $2,000; Barclays Wyndham Earner Business - $7,000; US Bank Triple Cash - $10,000


Total CLI - $402,000
Message 1 of 50
49 REPLIES 49
FinStar
Moderator Emeritus

Re: Chase Changes FU SUB

Unfortunately, SUBs are subject to change at any time unless the lender has indicated a specific timeframe where the promotion expires.

Sites like DoC, for instance, are usually a good resource in the event that the SUB returns. So, all you can do is wait until it's offered again (if at all) or if you get targeted for it.
Message 2 of 50
delaney1
Established Contributor

Re: Chase Changes FU SUB


@rgate88 wrote:

Just saw that Chase has now changed the SUB on the FU from 3% for the first year on the first $20k, to now match the Freedom ($200 on $500 of spending).

 

Thoughts on this? I'm in the garden for now but was really hoping to get the FU and rack up that bonus. Such a shame.


When I log into my account I still have the 3%/20k offer that I’m prequalified for. I guess the 3%/20k will now be a targeted to specific people just like the 4% offer.

Message 3 of 50
coreysw12
Valued Contributor

Re: Chase Changes FU SUB

That stinks... the 3%/20k SUB was pretty sweet. It was worth $300 (in addition to another $300 you'd get without the SUB).


The $200 SUB is FAR easier to get, because you only need to spend $500 instead of $20k... but for anyone who was going to spend $20k in the first year anyways, they're now missing out on a free $100 Smiley Sad

 

On the plus side, $100 isn't an earth-shattering loss. It's still a great card regardless.

    Total Loan Balance: $43k / $65k


    Total SL: $78k

United 1K - 725,000 lifetime flight miles    |    Chase Status: 4/24
Message 4 of 50
vic6string
Regular Contributor

Re: Chase Changes FU SUB

Not a big surprise.... math and marketing don't mix. Getting back an extra 1% on 20k doesn't make the splash on the screen that "Get $200!" does for most people. Even the 4% deal probably draws less eyes than just the flat $200 from a marketing standpoint. 

Message 5 of 50
rgate88
Regular Contributor

Re: Chase Changes FU SUB


@vic6string wrote:

Not a big surprise.... math and marketing don't mix. Getting back an extra 1% on 20k doesn't make the splash on the screen that "Get $200!" does for most people. Even the 4% deal probably draws less eyes than just the flat $200 from a marketing standpoint. 


Right. People want quick and fast money, and this will certainly get you there. But there is value to be missed if you could max it out. I wonder if they'll send selected flyers for bigger SUB's like the FU 4% offer.

CO Platinum - $500; CO Quicksilver - $2,000; Marcus GM BuyPower - $700; Target MC - $9,000; Chase Amazon Prime - $17,300; PNC Core - $27,000; Citi DoubleCash - $8,300 - AmEx Everyday - $2,500 (was $20,000); Citi Simplicity - $29,500; Chase World of Hyatt - $17,300; PayPal LOC - $10,000; PNC Cash Rewards - $43,500; U.S. Bank Altitude Go - $15,000; AmEx Platinum - NPSL ($7,800 POT); Elan Max Cash (Alliance CU) - $25,000; Alliance CU LOC - $2,000; BMO Harris Cash Back (Was Bank of the West Cash Back) - $3,000; (Closed Block-Fi - $15,000 RIP); Wells Fargo Autograph Visa - $10,000; Chase Freedom Flex - $20,300; Venmo - $15,000; AllTru LOC - $10,000


Business Trade Lines - Chase Ink Cash - $4,000 (original limit $19,600); Chase Ink Preferred - $10,000; AmEx BBP - $5,500; Hilton Honors Business - $5,000; FNBO Evergreen Business - $15,000; Elan Business Visa (Alliance CU) - $20,000; Citi Business AAdvantage Platinum Select - $16,000; Marcus GM Business - $2,500; Kabbage LOC - $10,500; Marriott Bonvoy Business - $14,600; Barclays AAdvantage Aviator WE Business - $7,000; IHG Rewards Premier Business - $5,000; Edward Jones Business (Elan) - $2,000; Barclays Wyndham Earner Business - $7,000; US Bank Triple Cash - $10,000


Total CLI - $402,000
Message 6 of 50
CH-7-Mission-Accomplished
Valued Contributor

Re: Chase Changes FU SUB


@rgate88 wrote:

Just saw that Chase has now changed the SUB on the FU from 3% for the first year on the first $20k, to now match the Freedom ($200 on $500 of spending).

 

Thoughts on this? I'm in the garden for now but was really hoping to get the FU and rack up that bonus. Such a shame.


I know this is off topic, but since I am locked out of Chase for probably the rest of my life (50K IIB), I just can't get past the Chase "FU" card.   You know where my mind goes.   And it's what Chase would tell me in a New York minute!

Good for those of you who can get these cards from Chase.  For travel benefits, which is my thing, they are unsurpassed (except by AMEX, which I'm also locked out of).

Message 7 of 50
longtimelurker
Epic Contributor

Re: Chase Changes FU SUB


@coreysw12 wrote:

That stinks... the 3%/20k SUB was pretty sweet. It was worth $300 (in addition to another $300 you'd get without the SUB).


The $200 SUB is FAR easier to get, because you only need to spend $500 instead of $20k... but for anyone who was going to spend $20k in the first year anyways, they're now missing out on a free $100 Smiley Sad

 

 


Right but that on that additional $19.5K spend, you could get  a few other sign-up bonuses far exceeding $100.

Message 8 of 50
coreysw12
Valued Contributor

Re: Chase Changes FU SUB


@longtimelurker wrote:

@coreysw12 wrote:

That stinks... the 3%/20k SUB was pretty sweet. It was worth $300 (in addition to another $300 you'd get without the SUB).


The $200 SUB is FAR easier to get, because you only need to spend $500 instead of $20k... but for anyone who was going to spend $20k in the first year anyways, they're now missing out on a free $100 Smiley Sad

 

 


Right but that on that additional $19.5K spend, you could get  a few other sign-up bonuses far exceeding $100.


For anyone who regularly churns cards for SUBs, Chase probably isn't a good option anyways

    Total Loan Balance: $43k / $65k


    Total SL: $78k

United 1K - 725,000 lifetime flight miles    |    Chase Status: 4/24
Message 9 of 50
NRB525
Super Contributor

Re: Chase Changes FU SUB

On the bright side, you could put a large portion of the spend on your World of Hyatt card, and end up with another free night, plus all the points, including double points on dining, airfare, and gym fees. Most likely 3 nights, possibly 4 depending on the Hyatt destination. After you get the $200 SUB for the CFU.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 10 of 50
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