Chase matching some recent applicants to higher offers

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Over the past week, we have reported several increased offers on popular Chase cards, including the Chase Sapphire Reserve and the Chase Ink and Southwest cards. Many readers who recently applied for those cards have commented on the blog and social media or reached out via email to ask what to do if they had recently applied for one of these cards under a lesser offer. There are now a number of positive data points to indicate that Chase is agreeing to match recent applicants to the new offers. While this is always a “your mileage may vary” (YMMV) situation, it seems that it is definitely worth sending a secure message or calling Chase to ask for a match.

a group of credit cards

Historically speaking, Chase always used to be fairly good about matching to increased offers provided you had applied within 90 days of the change in offer. That seemed to change around the pandemic times, with Chase mostly refusing to match newly-increased offers for the past couple of years. We received a couple of initial reports this week of people being denied when asking Chase to match the new offers and I wasn’t very surprised given their trend over the past couple of years.

That said, any time a reader asks whether one bank or another will match, I always say “you hit 0% of the balls at which you do not swing”. In other words, if you don’t ask for a match, you definitely won’t get one. If you ask for a match, you at least give yourself a shot at being successful. I always think it’s worth taking a swing.

It turns out that is generally sound advice: Doctor of Credit is now reporting multiple data points from readers who indicate that they asked to be matched to the newly-increased offers and were successfully matched to the higher bonuses. As DoC notes, this is particularly surprising on the (targeted) Ink card offers, but it just goes to prove that you should always try.

If you recently applied for a Chase card and the welcome offer has since increased, I think it is definitely worth sending a secure message or making a phone call to see if you can earn a few more points.

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