Chase officially extends payment deadline by 3 months for some


Yesterday, Miles to Memories reported info from a Chase rep indicating that Chase is automatically extending the time period to meet minimum spending requirements by 3 months for those who opened new accounts between January 1, 2020 and March 31, 2020, though note that a data point sent to us today from a reader indicates that this may not apply to the second half of a two-tiered bonus offer as outlined below.

a group of credit cards

According to their source, this will be automatic for those who opened accounts between 1/1 and 3/31, thereby giving those customers 6 months total to meet minimum spending requirements. Personally, I’d still send a secure message to get this confirmed in writing since we haven’t seen an announcement posted on Chase’s website — unlike Amex, which has posted such an announcement. That’s not to say that I don’t trust M2M’s source, but just today we received a reader report from someone who received somewhat confusing information from Chase on this:

I got a United business card a couple months ago that had a two-tier bonus structure. I wrote to them about a week ago asking for an extension of part two of the offer and just received the following response:

Hello, Thank you for contacting Chase regarding your account ending in XXXX. I will be happy to help you today.

At this time we are extending the first three month spend on the first tier of your offer. I do see you have met your spend. The second tier offer you have six months and this has not been extended at this time.

Your offers:
-50,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening Charges must post by XXXX, 2020, to be eligible for the bonus. We have extended this spend; but you met your spend as of XXXX, 2020.
-50,000 bonus miles after you spend $25,000 on purchases in the first 6 months from account opening.
You have until XXXX, 2020, to meet the spend requirement. If you meet the spending requirement, the bonus will post to your account 6 to 8 weeks after the billing cycle in which you qualify.

You’ll be eligible for the bonus as long as: – You haven’t received a new cardmember bonus on this account in the past 24 months. – Your account is open and not in default when we post the bonus. Purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. Thank you, XXXXX Chase Email Servicing 1-800-436-7927 AOC: 6388

So, at least for now, no extension on tier two.

As the reader notes, Chase said that they were extending the initial 3-month timeframe for the first half of that offer, but not the second tier of that spending offer. There has similarly been a 100K offer on the Southwest Business Performance card with two tiers: the first tier requires $5K spend in the first 3 months to trigger the first 70K bonus points and then $25K in total purchases in the first 6 months to trigger an additional 30K bonus points. Based on the response the reader above got, you’d now have 6 months to meet the initial $5K spend on that offer, but you may not get any additional time to meet the $25K required for the second tier.

That’s confusing in my opinion and I wouldn’t be surprised to see Chase modify that and potentially extend the extension to include April applicants, though at this point it only applies to those who opened accounts between 1/1 and 3/31/20. Hopefully Chase eventually clarifies this in writing on their website to erase any doubt.

H/T: Miles to Memories

Want to learn more about miles and points? Subscribe to email updates or check out our podcast on your favorite podcast platform.
Notify of

This site uses Akismet to reduce spam. Learn how your comment data is processed.

oldest most voted
Inline Feedbacks
View all comments

[…] Chase officially extends payment deadline by 3 months for some […]

[…] that Chase is quietly extending the welcome offer earning period for select cardholders but, as Frequent Miler found out, the extensions aren’t universal and they don’t always cover all parts of a […]

FYI, I checked the tracker in my app today and it automatically extended the date by 3 months. Yesterday it said 3/30 and now it says I have until 6/30, no secure message needed.


Ignore this! Delete this comment if you can. I read it thinking it added 3 months but it stayed the same. Sorry about that!


does anyone know if chase is extending the time period to meet minimum spending for Business Ink cards? I plan on applying for one before 4/22 (when the referral link I have expires). the link I have is for the old offer –80k points/$5k spend in 3 mos. I’d like to see that increase to $5k spend in 6 mos since my daily expenditures has dropped a lot with the shelter in place


I applied for a new card on April 1st. I messaged Chase asking if they could extend my 3 months (for the bonus) by a couple of months citing this news. They took a couple of days and responded in the negative, saying the extension was fixed for applications up to March 31. However, they said that I would need to make my minimum spend by July 24th – which is about 3 weeks more than what I would have guessed.

I always thought that the 3 months for meeting minimum spend was from the date of application. Strange? Or have things changed? Or have they made a mistake? I asked for confirmation that they really mean July 24th just in case.

Of course I can easily make the required spending in less than 3 months, but a recent change in another card’s possibility for increased spending in the next couple of months has caught my attention and so I plan to do as much as I can on that other card. I will bet Greg can guess which that other card is … 🙂


Sent SM to chase. got response that my offer was extended to six months to meet min spend. no hassle, no fuss. took three days from when i sent SM

m m

i just got a message from chase today saying it was not extended.
“The new account bonus timeframe will remain the same on
the account. We are currently reviewing options on
extending the offer. If we do decide to extend the
timeframe it would be automatic and you will receive an
email confirmation.”


SM’ed Yesterday, got a message saying expect to hear back from Chase after 7-10 days.

Rachit Agarwal

Some feedback – i would change the title to add the work “minimum spending”. Payment makes it sound like bill payment is being extended.

Carl WV

Definitely! Talk about being confusing.