For years now, Chase has been unofficially giving 115 days from signup for the spend requirement on the signup bonus, despite the official ‘3 months’ verbiage. When asked via Secure Message about how long you had, they consistently replied with with 115 timeframe.
Multiple Reddit reports (here and here) indicate that Chase reps are now replying with the official 3-month timeframe as the amount of time you have to meet the spend requirement, e.g. if you are approved on June 10th, they’ll say you have until September 10th.
Furthermore, the Chase online signup bonus tracker shows the 3 month timeframe as well. I’m unsure if it always showed that way there or if that’s a recent change (for context, that tracker has only been in existence for a few months).
It’s not clear if they changed the internal policy. At the least, they are now – at least publicly – shifting to the 3 month date as the official end date.
One data point in the comments indicates that they still, in practice, give longer than 90 days. Another data point confirms this as well. Another one. Another one for 2020. Another for 2023.
