Chase Welcome Bonus Spending Minimums Automatically Extended

Advertiser Disclosure Editorial Disclosure

Last updated on April 20th, 2023

Certain cardholders can now automatically receive more time to earn their Chase welcome bonus rewards. Following suit with American Express, Chase Bank has decided to make these extensions automatic to combat the overwhelming rate of customer service calls caused by the coronavirus 

This information didn’t come without a little confusion, however. Miscommunication led many to believe that extensions were only available to those who received new cards in late 2019. In reality, it’s those who applied for cards in early 2020 who qualify for an additional three months 

Clearing Up the Confusion

There was a bit of confusion initially over who exactly qualified for automatic extensions on Chase credit card signup bonus offersAt first, the bank suggested that this applied to cardholders who were unable to meet their minimum spending requirements between Jan. 1 and Mar. 31. That would mean these cardholders received their new Chase credit cards sometime from October to December of 2019.  

Since the coronavirus pandemic didn’t really start to hit the United States until early March, this left many consumers puzzled. Since then, Chase has clarified its statement with a policy that makes much more sense under the circumstances.  

Who Qualifies for the Automatic Chase Welcome Bonus Extension?

Based on the bank’s correction, customers who applied for new cards between Jan. 1 and Mar. 31 qualify. These cardholders will get three additional months to meet the spending minimums for their Chase signup bonuses 

Typically, issuers only give three months to fulfill this requirement. Instead of having until the end of March or June, these cardholders will now have between June and September depending on when they applied.  

This can apply to any offer from the Chase Freedom signup bonus to the Sapphire Preferred. The latter currently requires new cardholders to spend a minimum of $4,000. Over three months, this comes out to $1,334 per month, versus $667 over six months. 

Related article: Chase Bank Coronavirus Update: Delay Your Credit Card Payments Online 

The driving point behind this is to give those financially affected by COVID-19 more time to get the most out of their new cards. While the cutoff for this seems to be Mar. 31, it’s possible that Chase will continue issuing extensions to other affected cardholders upon request. Rather than calling into customer service, the bank recommends that you send a secure message through your account.  

About: Leesa
Leesa Love

Leesa is a credit card explorer for While not spelunking for APRs and hidden fees, she's most likely listening to a podcast or working on a superfluous DIY project.

Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.