Which alerts fire, and when?
SwipeWise sends seven kinds of alerts. For each one, here is a real sample and the exact conditions that trigger it.
•On-site notifications — for every member. They land in your inbox under the bell icon.
•Email — most alert email is a Premium feature. The monthly report is the exception: every member gets it by email.
•Calendar — expiry alerts carry add-to-calendar links (Google Calendar or .ics).
•Text (SMS) alerts are on the way — they are not sending yet.
Benefit expiry
A heads-up before a credit or free-night certificate disappears.
- On-site: when a credit on one of your wallet cards expires within 7 days, the alert appears in your inbox when you open the app.
- Email: a weekly check bundles every credit and free night expiring within 14 days. Each item carries an add-to-calendar link.
- Free nights follow the expiry date you entered for the certificate in your wallet.
Related setting: Settings > Notifications > Benefit expiry alerts Open in Settings
Annual-fee renewal
Before a fee bills, we weigh the past year's benefits against it and say whether the card still earns its keep.
Chase Sapphire Reserve's annual fee ($795) bills next month.
Past-year benefit estimate: $820 (fee $795)
Recommendation: Benefits roughly cover the fee — lean keep.
Open SwipeWise- Only for cards where you picked the annual-fee billing month in your wallet — it fires when that billing month is the next one. No billing month, no alert: we never guess.
- The estimate adds up the credits you marked as used, free-night value and an earn estimate for the past year, then recommends keeping, downgrading or cancelling.
- It is a Premium feature and arrives by email only — there is no on-site version.
Related setting: Settings > Notifications > Benefit expiry alerts Open in Settings
Signup bonus
When a card you watch raises its signup bonus, we tell you while the better offer is live.
Chase Sapphire Preferred's signup bonus went up: 75,000 points
New all-time high!
Open SwipeWise- It covers the cards on your watchlist. It fires when a bonus's value rises above the last check, or sets a new all-time high.
- A Premium feature, by email only.
Related setting: Settings > Notifications > Signup bonus alerts Open in Settings
Benefit changes
When benefits on a card in your wallet change, we send only what changed.
Benefit info was updated for these cards: • Chase Sapphire Reserve – Credit changed: Travel credit
Open SwipeWise- The catalog is re-checked every quarter, and benefit-refresh requests members send are applied after review. When a change lands, the alert goes only to members who hold that card.
- On-site goes to every holder; the email version is for Premium members.
Related setting: Settings > Notifications > Benefit change alerts — turning it off stops both the on-site alert and the email. Open in Settings
Monthly report
One email a month that adds up the value you captured — and the money you left on the table.
Expiring this month (total $300)
Money left on the table (total $18.40)
Check the recommender- Once a month, around your signup day, covering last month: benefits that expired, what is expiring next, and — when you logged spending — the money left on the table.
- It is sent only when there is something to report: no cards in your wallet, or an empty month, means no email.
- Every member receives it by email — it is not a Premium feature.
Related setting: Settings > Notifications > Monthly report Open in Settings
Application cooldown
The day an application cooldown (the waiting period before you can apply again) lifts, so you know when a slot opens up again.
- It compares the applications you logged in the application-strategy tracker against widely known issuer rules — Chase 5/24, Amex once-per-lifetime, Citi 1/8 and 1/65, Capital One 1/6, Bank of America 2/3/4.
- It arrives once, on the release day, as an on-site notification only — there is no email version.
- These are widely known community standards, not official issuer policy — the issuer always makes the final decision.
Related setting: Settings > Notifications > Signup bonus alerts — this alert shares that toggle. Open in Settings
Quarterly activation
When a new quarter's 5% categories open, we remind you to activate before the deadline.
This quarter's 5% categories are live. Activate on these cards: [Chase] Chase Freedom Flex - 5% categories: Grocery stores (excl. Walmart/Target), Dining, American Red Cross - 5% back on up to $1,500/quarter in these categories. - Activation deadline: 2026-12-14 - Activate in the Chase app or at chase.com: https://www.chase.com/personal/credit-cards/freedom
- In the first 21 days of a quarter, members holding a rotating 5% card (Chase Freedom, Discover it and the like) get one alert for that quarter, with the categories, the cap and the activation deadline.
- On-site goes to every holder; the email version is for Premium members.
Related setting: Settings > Notifications > Benefit expiry alerts Open in Settings