Can authorized users get their own Chase Sapphire ...

In case you have not heard, one in every of TPG’s favorite rewards cards in the marketplace is operating one of many best deals we’ve ever seen.

That is proper — the Chase Sapphire Preferred® Card (see rates and fees) is providing new cardholders a staggering 100,000 bonus points after spending $5,000 on purchases within the first three months from account opening.

TPG’s April 2025 valuations place this bonus at $2,050, which is a stellar return we have not seen in additional than three years. With the long list of redemption options you might unlock with these factors, you do not wish to miss your likelihood to earn this provide.

However in case you’ve been a licensed person on another person’s Sapphire card and have not opened your individual Sapphire Most well-liked or premium Chase Sapphire Reserve® (see rates and fees) account, chances are you’ll surprise in case you’re eligible for this welcome provide.

If this feels like your circumstance, we’ve the reply for you. Let’s stroll by means of the right way to navigate this case so you possibly can snag these 100,000 invaluable Chase Ultimate Rewards points for your self.

You don’t open your individual particular person line of credit score if you’re added as an authorized user on a card. The first cardholder is the one one who owns the credit score related to the account.

So, within the eyes of the issuer, that is the one one that technically “has” the cardboard. Due to this, you don’t “have” the cardboard and are eligible to get your individual.

You do not have to take away your self as a licensed person to obtain your individual card, both. This may be an necessary consideration, since your credit score could possibly be affected in case you take away your self from a long-standing account that anchors the average age of your accounts.

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For those who run into any issues along with your software after being a licensed person on another person’s card, it is price calling Chase’s reconsideration line to elucidate your scenario to a customer support consultant.

Nevertheless, there are some restrictions to notice in the case of making use of for any Chase card. Plus, another stipulations exist round Sapphire playing cards particularly. Let’s study these software guidelines to see if they might have an effect on your software.

Associated: As an authorized user, can I open my own account for the same card?

The notorious Chase 5/24 rule restricts anybody who has opened 5 or extra private bank cards within the final 24 months from being authorized for a brand new Chase card.

Excluding some business cards, each card you have efficiently utilized for within the final 24 months counts towards this rule. You must be beneath 5/24 to be authorized for a card from Chase.

Licensed person playing cards (if they have been opened within the final 24 months) usually depend towards your 5/24 standing, though you are not the first cardholder.

For those who’re denied a Chase card because of this, there could possibly be a simple means out. For those who name the reconsideration line and clarify the scenario, a Chase consultant might not depend a card you are a licensed person on towards your 5/24 standing. Nevertheless, this doesn’t assure you may be authorized.

Chase Sapphire rule

The Sapphire Preferred‘s software web page is obvious with this rule:

This product is on the market to you in case you do not need any Sapphire card and haven’t obtained a brand new cardmember bonus for any Sapphire card prior to now 48 months.

Keep in mind that approved customers usually are not thought of main cardmembers, so this rule will not apply to you. So long as you are solely a licensed person and you do not have your individual Sapphire Most well-liked, Sapphire Reserve or no-annual-fee Chase Sapphire Card (now not open to new functions), you are within the clear.

The knowledge for the Chase Sapphire Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Associated: The ultimate guide to credit card application restrictions

You’ll be able to obtain the bonus on the Sapphire Preferred if you have not obtained a bonus on both Sapphire card prior to now 48 months. Once more, in case you’re merely the approved person on another person’s card, you have not earned the factors as the first cardmember, so you would be eligible.

Nevertheless, as we have mentioned, in case you’ve beforehand held your individual Sapphire Most well-liked or Sapphire Reserve and earned a welcome bonus inside the previous 48 months, you will not be eligible to obtain this present bonus. Observe this date is 48 months from if you obtained the bonus, not from if you utilized for the cardboard.

Associated: Who’s eligible for the Chase Sapphire Preferred’s 100,000-point bonus?

With a proposal as stable as the present 100,000-point bonus on the Chase Sapphire Preferred, it is comprehensible why you’d wish to guarantee your eligibility.

However, in case you’re a licensed person, do not have your individual Sapphire card and have not earned a bonus on a Sapphire card in 48 months, you may solely must be involved with your 5/24 standing, which is a consideration for anybody making use of for a brand new Chase card.

Keep in mind that if you’re rejected, you possibly can all the time name Chase’s reconsideration line to make your case for why you ought to be authorized.

To study extra, take a look at our full review of the Sapphire Preferred.

Apply now: Chase Sapphire Preferred