Chase offers 100,000-point bonus with Sapphire Preferred Card

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Chase offers 100,000-point bonus with Sapphire Preferred Card

Research

Matt Moffitt Managing editor | The Points Guy

By Sky Industry News

Apr 3, 2025

Amid a favorable credit card offer from Chase, individuals have the opportunity to earn a substantial welcome bonus with the Chase Sapphire Preferred Card. Currently, applicants can earn 100,000 Ultimate Rewards points by spending $5,000 within the first three months. This bonus is valued at $2,050, marking the reappearance of a high point offer not seen for over three years.

However, eligibility for this offer is subject to specific conditions. According to Chase's website, "The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months." This indicates that new applicants must not have received a welcome bonus from any Sapphire credit card in the last four years.

Additionally, the longstanding Chase 5/24 rule stipulates that applicants should not have opened five or more personal credit card accounts with any issuer in the past two years. This could potentially block an application if the rule is not adhered to, although reaching out to Chase might provide some recourse for flexibility.

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Furthermore, Chase's credit limits could affect an application. Current cardholders with substantial limits might encounter a "pending" status. To navigate this, applicants can contact Chase to discuss reallocating credit lines from existing accounts.

The 100,000-point offer presents a noteworthy opportunity, yet it necessitates meeting eligibility criteria and navigating application conditions. Prospective cardholders should also note, "If you've earned a Chase Sapphire Preferred or Sapphire Reserve welcome bonus in the past four years, you're out of luck to earn this bonus."

This window for earning the bonus points underlines the importance for consumers to carefully consider their credit card timelines and usage to capitalize on such offers.

Overall, the offer is a strategic choice for those eligible and serves as an incentive to choose the Chase Sapphire Preferred Card over others available in the market.