There’s excellent news for Chase Final Rewards followers: Chase has (as soon as once more) up to date bonus eligibility guidelines on its Sapphire playing cards. This time, extra cardholders are more likely to be eligible for an additional profitable bonus than earlier than.
Beginning January 22, you can earn one bonus per Sapphire card, so long as you have by no means earned a bonus on that card beforehand — whether or not or not you presently maintain a Sapphire card in your pockets. So, in case you presently maintain the Chase Sapphire Most well-liked® Card (see charges and costs) and earned the bonus on it, now you can add the Chase Sapphire Reserve® (see charges and costs) and earn its bonus as effectively — so long as you have not beforehand earned the bonus on the Sapphire Reserve.
This is what it’s essential to know.
Chase eases Sapphire bonus restrictions
Again in June 2025, Chase introduced it might restrict bonus eligibility to at least one bonus per lifetime on every Sapphire card. However it additionally restricted the power to earn the bonus for the primary time on one Sapphire card in case you have been holding the opposite.
As a Sapphire Most well-liked cardholder myself, this meant I might apply for the premium Sapphire Reserve and luxuriate in its perks. However I would not have the ability to earn the strong 125,000-point welcome bonus after spending $6,000 on purchases within the first three months from account opening.
With the change introduced this week, I might now add the Sapphire Reserve to my pockets and earn its bonus, despite the fact that I maintain the Sapphire Most well-liked. This would not be the case if I had beforehand earned the bonus on the Sapphire Reserve at any level in my life, however since I have not, that possibility is now on the desk.
After all, I am unable to return and earn a brand new bonus on the Sapphire Most well-liked since I’ve already earned one.
Total, this can be a optimistic change for present Sapphire cardholders who wish to add the opposite Sapphire card (and its bonus) to their wallets.
It is price noting that these eligibility guidelines are nonetheless not as beneficiant as they have been earlier than June 2025. Again then, you can earn a brand new bonus on the identical Sapphire card after ready 48 months, an possibility that is now lengthy gone.
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Associated: The perfect bank card welcome bonuses this month
Modifications for the reason that Sapphire Reserve refresh
Final summer season’s preliminary Sapphire bonus eligibility change got here alongside similtaneously the Sapphire Reserve refresh. The June 2025 revamp added extra assertion credit and a better annual charge whereas leaving present cardholders ready till October 2025 to obtain the brand new perks, which created comprehensible frustration for some cardholders.
Since then, Chase has appeared to make a number of strikes to retain loyalty and drive curiosity within the new-look card. Along with this week’s bonus eligibility replace, which is actually a optimistic for present Sapphire cardholders, Chase has additionally:
Typically, these are optimistic modifications that helped ease some friction from the preliminary Sapphire Reserve announcement. The adjustment to the bonus eligibility guidelines matches proper in with this pattern.
Associated: Chase Sapphire Most well-liked vs. Sapphire Reserve: Which is healthier for you?
Backside line
In case you have been left disenchanted by final summer season’s restriction on Sapphire bonus eligibility, that is actually a optimistic replace.
Whilst you cannot benefit from the flexibility of incomes a brand new Sapphire bonus each 48 months like you can earlier than June 2025, present Sapphire cardholders can now add the opposite Sapphire card to their pockets and earn its bonus — so long as they’ve by no means earned a bonus on the cardboard earlier than.
Apply right here: Chase Sapphire Reserve
Apply right here: Chase Sapphire Most well-liked Card
