The Best Credit Card Welcome Bonus Not Subjected To 5/24

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All things considered, my three favorite Chase cards are the Ink Business Preferred℠ Credit Card, Chase Sapphire Preferred® Card, and Chase Sapphire Reserve®. These cards offer big welcome bonuses, excellent perks, and a generous return on spend.

However, some may find that it’s tough to get approved for the above cards, given that they’re subjected to the 5/24 rule. Through this rule, you can’t be approved for certain cards if you’ve opened five or more new card accounts in the past 24 months.

So, if you’re over that limit, what’s the best welcome bonus being offered on a Chase card? I’d argue the single best offer is on the British Airways Visa Signature® Card. Specifically, the card offers a welcome bonus of up to 75,000 Avios upon completing minimum spend, as follows:

  • Earn 50,000 bonus Avios after spending $3,000 within the first three months
  • Earn an additional 25,000 bonus Avios after spending a total of $10,000 within the first year

The card has an annual fee of $95, which isn’t waived for the first year.

Personally I value Avios at ~1.3 cents each, so to me 50,000 Avios would be worth $650, and 75,000 Avios would be worth $975. Those are very rewarding welcome bonuses. Even if you’re not a huge spender, earning 50,000 Avios after spending $3,000 is a generous bonus that’s worth considering.

British Airways Avios are a useful currency that I find valuable in instances where other currencies aren’t. For more on redeeming Avios, see this post. There are plenty of options for redeeming these without big surcharges.

Potentially there are some other perks to having the British Airways Visa, my favorite of which is the Travel Together Ticket. Cardmembers receive this if they spend at least $30,000 in purchases on their card in a calendar year, and then they can book an award ticket for two people, and don’t have to pay the Avios for the second passenger — instead they just have to pay the carrier imposed surcharges and taxes, which are still significant. Still, for an international first class redemption this can represent a good deal.

Bottom line

The British Airways Visa offers a generous welcome bonus, and is a card that can be worth holding onto long term. Best of all, the card isn’t subjected to 5/24, so you can be approved even if you’ve opened five or more new card accounts in the past 24 months. If you don’t yet have this card, I’d seriously recommend applying.

As a reminder, the welcome bonus isn’t available to those who currently have the card, as well as those who have received a new cardmember bonus on the card in the past 24 months.

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  1. Not a fan of this card. British Airways is a cheap airline and their Avios is not the best currency spent on long distance flights. I would skip this one.

  2. I always wonder how many credit cards can you apply for at a time? I have a Delta deal, and I also want a Chase Sapphire. Do you recommend something?

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