The Chase Sapphire Reserve® (see charges and costs) is an uber-popular premium journey bank card that earns extremely helpful Chase Final Rewards factors.
The Sapphire Reserve contains a number of assertion credit, automated elite standing and excessive factors incomes in alternate for a $795 annual charge.
Plus, new candidates for the Sapphire Reserve can test their eligibility to see in the event that they’re focused for an elevated provide to earn as much as 175,000 factors after spending $6,000 within the first three months. (The usual public provide is 125,000 factors for a similar spending requirement.)
You will need to test to see if you happen to’re eligible for the 175,000 level provide by way of the Chase pre-qualification widget — this provide is just out there by way of this software. There is no such thing as a influence to your credit score rating.
Based mostly on TPG’s December 2025 valuations, this bonus is price as much as $3,588.
If you happen to’re concerned with making use of, here is all the things it is advisable know concerning your eligibility for this profitable welcome bonus.
Am I eligible for the Chase Sapphire Reserve bonus?
If you happen to’re making use of for a Chase card, you may wish to know some notable eligibility guidelines for welcome bonuses.
A consultant from Chase confirmed the next to TPG: “It is possible for you to to have each the Sapphire Reserve and the Chase Sapphire Most well-liked® Card (see charges and costs). New account bonus provide eligibility for both card will likely be based mostly on elements together with beforehand earned bonus affords and the variety of playing cards opened and closed, amongst others.”
When you have beforehand obtained a Sapphire Reserve welcome bonus, you’ll not be eligible to obtain one other Sapphire Reserve welcome bonus. Even when it has been years because you obtained a welcome bonus on a specific Sapphire card, you almost certainly is not going to be eligible to earn one other bonus on that similar Sapphire card.
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This additionally applies to the Sapphire Most well-liked, so if you happen to obtained a welcome bonus on the Most well-liked, you’ll not be eligible for one more Most well-liked bonus.
Different issues to notice are:
- You will not be eligible for a Sapphire Reserve bonus if you happen to’re a present Sapphire Most well-liked cardholder.
- If you happen to’re not a Sapphire buyer and by no means obtained a bonus on the Sapphire Reserve, you may probably be eligible.
For instance, I at present maintain the Sapphire Most well-liked and have by no means had the Sapphire Reserve. As a present, energetic Sapphire buyer, I might apply and get accepted for the Sapphire Reserve, however would nearly actually not be eligible for the bonus.
TPG senior editorial director Nick Ewen at present has the Sapphire Reserve and beforehand held the Sapphire Most well-liked a few years in the past. He might apply for the Sapphire Most well-liked, however he would not be eligible for the bonus, since he is a present Sapphire Reserve buyer. Even when he downgraded his card, he beforehand earned a bonus on the Sapphire Reserve, so he nearly actually would not have the ability to earn one other one.
When making use of for the Sapphire Reserve, a pop-up software will inform you if you happen to’re eligible for a welcome bonus earlier than you submit an software and Chase runs a credit score test. That is one of the best ways to substantiate if you happen to’re eligible for a welcome bonus. If you happen to’re not eligible for a welcome bonus, you’ll be able to nonetheless proceed with the applying and attempt to get accepted with no bonus.
Associated: The last word information to bank card software restrictions
The 5/24 rule
Chase is thought for its notorious 5/24 rule, which states which you can’t have opened 5 or extra playing cards up to now 24 months throughout all banks and issuers.
This contains accounts for which you’re a certified consumer. Nonetheless, many enterprise playing cards do not rely towards your 5/24 standing.
So, with the intention to be accepted for the Chase Sapphire and eligible for the Sapphire Reserve welcome bonus, you have to be below Chase’s 5/24 rule.
Associated: Right here’s learn how to calculate your 5/24 standing
Shifting credit score traces
Moreover, when you’ve got a number of Chase bank cards, you’ll have reached your most whole out there credit score restrict, which may doubtlessly trigger your software for the Sapphire Reserve to be declined.
If this occurs, you’ll be able to name the Chase reconsideration line at 888-270-2127 and ask them to shift a few of your credit score restrict from an current Chase card with the intention to get accepted for the Sapphire Reserve.
Associated: What credit score rating do it is advisable get the Chase Sapphire Reserve card?
Can I maintain each the Sapphire Reserve and Sapphire Most well-liked on the similar time?
You’ll be able to maintain each the Sapphire Reserve and the Sapphire Most well-liked on the similar time.
You simply will not be eligible to earn one other welcome bonus when you’ve got beforehand earned one attributable to bonus eligibility restrictions.
As well as, if you happen to do not wish to maintain each playing cards, you’ll be able to improve and downgrade between Sapphire merchandise.
Associated: Your greatest Chase Sapphire Reserve questions answered: From bonus eligibility to incomes charges
Backside line
The present provide on the Sapphire Reserve is an impressive alternative to earn one of the helpful rewards currencies: Chase Final Rewards factors. Plus, you could possibly be eligible to earn a stellar 175,000-point bonus.
If you happen to’re looking for a premium journey card with robust incomes potential, wealthy advantages and strong journey protections, the Sapphire Reserve deserves a high spot in your checklist.
Make sure you look ahead to Chase’s eligibility pop-up through the software course of, which is able to verify whether or not you qualify for the welcome bonus earlier than a credit score test is run.
Apply right here: Chase Sapphire Reserve
