Published on September 13th, 2018 | by Chuck94
Temporary Workaround on the new Chase Sapphire 48-Month Rule with Email Referrals
Update 9/14/18: While the link from email still states 24 months, the terms at the end of the application process state 48 months. Despite confirmations (below) from Chase reps that it’s working as per the 24 months terms, it’s hard to say with confidence what will happen. You can apply and confirm with Chase afterward, but again, you’re at the mercy of the rep knowing properly (I assume they can see it clearly on their end, but hard to know for sure that they aren’t mistaken until the bonus actually posts).
A reader (Reddit u/llamalamaglama) reached out with a temporary workaround on the new 48-month Chase Sapphire bonus rule whereby you can only get one bonus every 48 months, up from 24 months. Initially, referrals were still showing the 24 month language, but on September 10th Chase pulled that workaround, and referral links now show the new 48-month language.
However, email referrals (not link referrals) which were generated before the September 10 change are already set in stone with the 24-month terms. llamalamaglama verified that the same email referral can be used multiple times, and that it’s been confirmed by Chase reps that the bonus is successfully working for signups who are below the 48 month threshold. In other words, the 24-month terms showing in the email is actually still working and anyone who has such an email can continue to refer people under the old terms.
This is what the ‘Offer Details’ link brings up, clearly showing the 24-month terms.
Now, email referrals only work for around 30 days, as per the terms in the email, so this workaround will last until October 10th, at the latest – one month from when Chase changed the referral terms. The one I saw has a September 28th expiration, but until roughly October 10th should be possible if someone generated an email referral on the last date.
Of course all this only helps those who are under 5/24 and are between 24-48 months from their past Sapphire bonus.
If you have an emailed referral and would like to share it, please leave an email address below where people can contact you and you can then forward them the referral email. Please first check the ‘Offer Details’ link in the email to ensure it shows the 24 month language. As noted, only emailed referrals already generated from before the change will work. Also, please indicate whether you have a Sapphire Reserve referral available or a Sapphire Preferred referral available. And let us know the expiration date of your referral offer, as shown in the email.
[Please do not leave referral signup links in the comments below: while it is possible to just use the link from the email (at least I don’t see why not), there’s no way for readers to verify the bonus. However, if you forward them the actual email, they’ll be able to confirm the offer and 24-month terms for themselves.]