Non-affiliate disclosure: All information about this card has been collected independently by US Credit Card Guide and has not been reviewed by the issuer.
2024.9 Update: The current offer is 100k bonus points after spending $7,500 within 6 months of account opening.
Application Link
Benefits
- 100k offer: Earn 100,000 bonus Avios after spending $7,500 on purchases within the first 6 months. This is the best offer in recent years.
- We value EI Avios at 1.2 cents (Airline Miles Value), so the 100k highest sign-up bonus is worth about $1,200. BA Avios, IB Avios, and EI Avios can be transferred to each other at a 1:1 ratio (both accounts need to be at least 90 days old).
- Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and Level. Earn 2 Avios per $1 spent on hotel accommodations. And earn 1 Avios per $1 spent on all other purchases.
- Every calendar year you make purchases of $30,000, you’ll receive an economy companion ticket good for 12 months.
- No foreign transaction fee.
Disadvantages
- Annual fee of $95, NOT waived for the first year.
Recommended Application Time
- [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application for this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.
- This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Note that what matters here is the time you got the sign-up bonus, not the time you opened or closed the account.
- Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
- We recommend you apply for this card after you have a credit history for over a year.
Summary
The sign-up bonus on this card is quite decent. BA Avios, IB Avios, and EI Avios can be transferred to each other at a 1:1 ratio, making it a solid card for quickly earning Avios alongside Chase BA. Each mileage program offers unique advantages. If you don’t frequently fly with EI, the ongoing earning structure might not be attractive, so consider keeping this card only if it aligns with your travel habits.
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Recommended Downgrade Options
- You cannot downgrade this card to any card with no annual fee, so consider closing it if you no longer find it beneficial.
After Applying
- Call 800-436-7927 to check Chase application status. This is an automated line, and the responses typically mean: “Receive decision in 2 weeks” likely indicates approval; “Receive decision in 7-10 days” likely indicates rejection; “Receive decision in 30 days” means further review is required.
- Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. Call if you aren’t approved immediately. Your personal information will be reviewed, and you may get approved or rejected, or be required to provide additional information at a branch or via fax.
Historical Offers Chart
Note: Sometimes there are offers such as 100k or 75k on this card, but the spending requirements after the first 50k are significant. Therefore, we treat them not as sign-up bonuses, but as spending bonuses. Similarly, the 4x up to 100k offer is also not counted.
Application Link
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