Beat the Chase Pop Up + HUGE Amex Plat BONUS (Act Fast) + Bilt Rent Day

In this video, I want to talk about three things. The new Chase popup system and a glitch that's allowing some people to still get the bonus on the refreshed Sapphire cards despite the pop-up saying they can't. Then we have built rent day benefits coming up on July 1st. You'll be able to get some increased value when redeeming for gift cards. We'll tell you all about that. And lastly, your last chance for a huge bonus, the biggest bonus I've ever seen on a certain version of the MX Platinum card. Hey, credit warriors. Welcome to the show. My name is Ben Hedges aka the credit shifu. And on this channel, I talk about US credit cards, personal finance, and luxury travel. If you like the sound of that, do subscribe. But let's get into the video. First up, I want to talk about Chase's new popup. Now, Chase used to have bonus rules like the 48month rule for the Sapphire cards, where if you'd had a welcome bonus in the past 48 months, which is 4 years, by the way, if you don't want to do the math in your head, um, on any Sapphire card, you cannot get a bonus if you've canceled that card and then you apply for a new Sapphire, no matter which Sapphire card you apply for. Well, they have now retired that rule in favor of a popup that will appear when you apply for a card telling you whether they are willing to give you the bonus on that new card or not. This doesn't mean that you can get the bonus if you've had it within 48 months though on another Sapphire card. Actually, some people are saying probably the 48-month rule still exists and it might have even become even more strict. We don't know. It's just that they decide whether they want to give it to you or not and they don't tell you what their criteria are. Now, this is what this popup looks like. And you can see that it says it looks like you are not eligible for a bonus on the Chase Sapphire Reserve credit card. This can happen if you've already held or received a bonus for this credit card. Current holders of the personal Chase Sapphire cards are also ineligible. We haven't done a credit check yet, so there will be no impact to your credit score if you don't continue. And then you can choose to either continue without the bonus or abort. If you are bought, in theory, you don't get hit with a credit pull and they don't open an account in your name. But according to some reports, some people are having Sapphire accounts open to them even if they decline this pop-up. Here is one report that a reader sent in to frequent miler. My son applied for the new personal Chase reserve card. He got the popup that he wasn't eligible for the bonus. He declined the offer, but unexpectedly the card landed in his account. I will be helping him discuss this with Chase, but I wanted to let people know it's probably a good idea to take a screenshot if you get the pop-up. Here's another report from someone who also declined the card due to not being eligible for the bonus. To my surprise, about 10 minutes later, I received an email saying I had been approved for the card, and the account immediately appeared in my Chase online portal. So, obviously, it's a glitch in their online system. The good thing is though that for this what they describe as a small number of people that this has happened to, they are actually resolving it by letting these people keep the account open and get the welcome bonus, which is what these people presumably wanted in the first place since they were trying to apply for the card and only declined because they got the pop-up saying that they couldn't get the bonus. So, if this has happened to you, you got the popup and you declined it and then they open an account in your name, look for an email or some form of communication from Chase, or you can just call them directly and see if you can get the bonus, get this same deal since we now know they're willing to do this. The bonus, by the way, is a 100,000 points plus $500 credit for Chase Travel. So, it's really worth it to get that bonus. All right, let's move on to talking about built rent day benefits. So, Built, as you may know, is a system that lets you use credit cards to pay rent. And you can use any credit card with a small fee. I think it's 3% and earn points on your card plus some built points. Great if you need extra spending for a welcome bonus since that bonus will far outweigh the fee that you pay. But then there's also the built credit card that you can get that lets you pay rent with no fee and earn built points. The Built Portal also has a great dining program that you can use any credit card with and it gives you an extra three points per dollar back at thousands of restaurants. So, let's say I use the MX Gold card for example. It would be seven points per dollar. Okay, four AMX points at restaurants and three built points as long as that restaurant's in their dining program and a huge number of restaurants are. Points can be redeemed in a few different ways, such as using a travel portal or transferring to airlines and hotels to book travel. That's generally the best redemption option. Uh, but you can also redeem for gift cards. Anyway, the first of every month, Built does something called Rent Day where they have some extra bonuses. This typically includes double points for Built card holders on everything except for rent, but also some extra benefits for people who are just members of the Built platform, but don't necessarily have the Built credit card. So, this rent day, which is coming on July 1st, the benefit for all built members will be a 100% bonus when redeeming points for gift cards. You can see here there is already an ad for it in my account. Redeem points for gift cards unlocks in just over 4 days. And if we click in, we can see gift cards from Airbnb, Starbucks, Amazon, Apple, Walmart, Best Buy, Bloomingdales. Then you got Kraton Barrel, Pottery Barn. Then for food, we have Uber Eats, Panera, GrubHub, which basically gives you almost all restaurants for delivery or pickup because they're all on GrubHub. And you have Cheesecake Factory. You have Duncan. Oh, maybe they should add a Duncan credit, too. Just a joke. So you can see it's quite a lot of retailers and restaurants and delivery services that the average person probably uses every month. Okay. So it shouldn't be hard for the average person to find a gift card or two or three or four to buy. The question is though, how much value do you actually get for your points? Well, the 100% bonus is only available to platinum members and it goes up from blue members at 25% to silver at 50%, gold at 75% and then platinum at 100%. So, that should be two cents per point if you're platinum, right? Well, no. Kind of the elephant in the room with this is that built points are only worth about 0.7 cents per point when redeemed for gift cards. So, like you can see here, it's 1,428 points for a $10 Walmart gift card. So, if points are worth 0.7, then with a 25% bonus, you would be at 0.87. With a 50% bonus, you would be at 1.05. With a 75% bonus, you would be at 1.22 cents in value per point. And with a 100% bonus, you would be at 1.4 cents per point approximately. So, this isn't stunning value like you often get when Built does transfer bonuses to airlines, but it certainly is good value if you were thinking of doing a gift card redemption anyway because there's something you genuinely need to buy and you're either gold or platinum status. It's average value at silver, just about 1 cent per point. And if you're a blue member like I am, I wouldn't recommend doing this because it's still under 1 cent per point. If you think of you're getting under 1 cent per point in value, it's really not worth it. Nice thing is with a gift card, you can buy cards for stores that you know you're going to shop at in the future like Walmart or Amazon. So there really is no risk, okay? It's not like a transfer bonus where you get really good value, but you're not sure if you're actually going to be able to find award availability on that particular airline in the future. Anyway, you should be able to see this option in your account now. and the extra value will unlock on July 1st. And remember, it's just for that one day. If you're interested in the Built system though, do click the link below in the description and in the pinned comment to sign up. The easiest way to get extra value with Built is just to use their dining program. You can link a card and instantly get an extra three bill points per dollar at thousands of restaurants. And if you rent where you live, you can consider paying rent with a card, too, or even signing up for the built card to pay rent with no fee. Anyway, link is below. If you're interested and you sign up with our link, even if it's just to link a card you already have and use the dining program, it does help our show. So, we thank you very much if you do. All right, let's now move on to your last chance for the biggest bonus I've ever seen on a certain version of the MX Platinum card. Now, earlier this month, we made a video about three high bonuses that have been running on the American Express Business Platinum. We have 150,000 points after spending $20,000 in 3 months and $500 back after $2,500 in FS spend in 3 months. Then we have another possible bonus, 200,000 points after you spend $20,000 in 3 months, plus $500 back after $2,500 in airfare spend in 3 months. Then another even higher possible bonus, $250,000 points after spending $20,000 in 3 months, plus $500 back after you spend $2,500 on Airfare in 3 months. And you can get both of these bonuses or you can get either one of them separately, okay? You don't have to get both. The 150,000 points one is the public link that anyone can find. And then the others are targeted, okay? You can often find them with browsers that you don't normally use or an incognito window or by clearing your cookies. you know, the usual tricks for those MX targeted bonuses. I was seeing the 250,000 bonus in the past, a few weeks ago. Today though, I personally was only able to find the 150,000 one. And they have now added an end date to this bonus, which is 6:30, 2025. So, June 30th, 2025. And that should apply to all three possible offers, not just the lowest one that we're seeing here. So, if you want this card, do apply very soon and make sure you try all the possibilities to see if you can get targeted for the full 250,000. Obviously, this bonus does require high spend. So, it won't be doable for everyone, but I'm sure there are at least a few people in our audience with business spending that would be able to do $20,000 in 3 months. Or perhaps if you're paying estimated taxes or for some reason you haven't paid your federal taxes yet for 2024, you know, maybe you have a tax payment. Anyway, guys, that is the video for today. If you're interested in signing up for Built, do click the link below. Honestly, it is kind of a no-brainer. Three extra points per dollar on restaurants. And you can also earn extra points at Walgreens or with no real commitment from you, right? No credit check, nothing. Later on, if you decide you want to go on and get their credit card to pay rent with no fee, you could do that, too. Link is below. We thank you very much if you sign up through us. Please subscribe to the channel if you're new. We'll see you in the next video. Bye-bye.