It has solely occurred a handful of occasions earlier than, however Chase is now providing new candidates the prospect to earn the highest-ever welcome bonus on its in style Chase Sapphire Preferred® Card (see rates and fees).
Now you can earn 100,000 Final Rewards factors after spending $5,000 on purchases within the first three months from account opening.
Earn 100,000 Final Rewards factors with this limited-time provide on the Chase Sapphire Preferred Card.
This is among the best travel credit card deals ever, and there’s no method of figuring out when, if ever, Chase will increase the welcome bonus on this card to 100,000 factors once more — or if it is going to be retired to the “Chase vault” completely. We’ve got solely beforehand seen this degree of welcome provide a couple of occasions since 2021. Up till then, the welcome bonus on this card was at all times decrease than that, and also you by no means know if that would be the case once more.
Whereas the provide phrases are easy — spend $5,000 on purchases with the cardboard within the first three months of account opening — there are some circumstances and utility restrictions to notice.
Due to that, lots of of us have been writing to us with questions. In spite of everything, you would not need to make a mistake that might value you these 100,000 bonus factors, which TPG values at $2,050 based mostly on our June 2026 valuations.
To be able to assist you to keep away from that destiny, now we have gathered probably the most often requested questions concerning the Chase Sapphire Most popular’s 100,000-point welcome provide in a single place and answered all of them for you.
Learn on to seek out out what it is advisable to know with a view to get in on the highest-ever Chase Sapphire Most popular welcome bonus whereas it lasts.
Associated: After more than 16 years, why the Chase Sapphire Preferred should still be your first rewards card
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How do I apply for the Chase Sapphire Most popular?
This might sound apparent, however … simply follow our link to the Chase Sapphire Preferred application!
As soon as you’ve got reached the touchdown web page, you may simply must fill out the pertinent info, together with your identify and deal with, and reply some questions on your employment, earnings and monetary scenario. Be sincere about these numbers.
When you are inclined to maintain your credit score report frozen, ensure that it is unlocked or “thawed” earlier than you apply. In any other case, you may get robotically denied or requested to contact Chase with extra info.
Associated: Is the Chase Sapphire Preferred worth the annual fee? I say yes
When is the Chase Sapphire Most popular 100,000-point provide ending?
We do not have an actual date to share, however you may guess that a suggestion this excessive is not going to final lengthy, and it has not up to now.
The worst factor could be to overlook out on this unimaginable bonus if it disappears one morning and you have not submitted your utility but.
Associated: The rise of the Chase Sapphire Preferred: Has it become Chase’s premier card option?
Am I eligible for the Chase Sapphire Most popular 100,000-point provide?
First issues first: Earlier than making use of for the 100,000-point Chase Sapphire Preferred bonus, it is advisable to make sure you are eligible for it.
The excellent news is that Chase changed the eligibility rules in January 2026, so extra of us must be eligible for it now, however there are nonetheless some restrictions to pay attention to.
First, the brand new cardmember bonus isn’t obtainable to you if you happen to presently have the Chase Sapphire Most popular open, and it is probably not obtainable to you if you happen to beforehand held the cardboard or obtained a brand new cardmember bonus for it.
Nonetheless, in contrast to up to now, even when you have or had the Chase Sapphire Reserve® (see rates and fees), that ought to not preclude you from being eligible for this provide.
Chase may also think about your general credit score, what number of playing cards you could have open and what number of you’ve got opened and closed to find out your bonus eligibility, so if you happen to’ve been enjoying quick and unfastened with card purposes and closures, that form of exercise may forestall you from getting this bonus.
In an identical vein, Chase nonetheless abides by its 5/24 rule, which implies that candidates who’ve opened 5 or extra playing cards — from any and all issuers, not simply Chase — up to now 24 months are prone to be denied. Some authorized user accounts and sure business accounts may also rely towards that tally.
When you’re unsure about your card purposes and timing, test your accounts and their ages via a service like Credit score Karma to make sure you fall beneath this threshold.
Associated: Are you eligible for a Chase Sapphire welcome bonus? Here’s the full checklist
I lately utilized for the Chase Sapphire Most popular when the bonus was simply 75,000 factors. Can I ask Chase for extra factors?
It is absolutely the worst if you apply for a card solely to see its welcome bonus rise dramatically shortly afterward. We’ve got a excellent news, dangerous information scenario on our arms with this one, although.
Based mostly on anecdotal proof from a number of TPG readers, now we have seen that folk who utilized for the Chase Sapphire Preferred inside about 10 days of the 100,000-point provide launching in mid-June have had luck calling Chase to ask the issuer to match the present 100,000-point provide.
It won’t work each time, however it’s value calling Chase to see if it should allow you to qualify for the present bonus.
Associated: Can you get the 100K Chase Sapphire Preferred bonus if you recently got the card with a lower offer?
If I have already got the Chase Sapphire Reserve, can I get the Chase Sapphire Most popular, too?
So long as you have not already had the Chase Sapphire Preferred and/or earned its welcome bonus and also you’re beneath 5/24, you need to be eligible for this provide.
Associated: When can you downgrade your credit card?
If I have already got the Chase Sapphire Most popular, ought to I cancel it and apply once more?
In all probability not. If you have already got the Chase Sapphire Preferred and earned its welcome bonus sooner or later, then you definitely will not be eligible for it this time round.
Nonetheless, when you have the Chase Sapphire Most popular however didn’t beforehand earn its welcome provide — for example, if you happen to downgraded to the Chase Sapphire Reserve sooner or later when you might solely earn the welcome provide on one card or the opposite — then you definitely might need choices.
The best choice might be to downgrade to a different Chase card just like the Chase Freedom Unlimited® (see rates and fees), wait a few weeks after which reapply for the Chase Sapphire Most popular.
Simply be sure to meet the cardboard’s different eligibility necessities.
I’ve a Chase Freedom card. Can I improve to the Chase Sapphire Most popular for this bonus?
No. If you would like this bonus, you’ll have to apply for the Chase Sapphire Preferred by itself. The excellent news is that holding a Chase Freedom card mustn’t preclude you from being eligible for this provide.
Does the Chase Sapphire Most popular annual payment rely towards the welcome bonus minimal spending requirement?
No. The Chase Sapphire Preferred prices a $95 annual payment every year, and the primary one will likely be due together with your first assertion.
Some of us assume that this cost will rely towards the minimal spending requirement of $5,000 on purchases inside the first three months of account opening.
Nonetheless, the operative phrase is “on purchases.” The annual payment is simply that, a payment, not a purchase order, so it doesn’t rely.
The opposite phrase to pay attention to is “within the first three months from account opening.” Account opening means if you’re accepted, not if you obtain your bodily card. So, be sure to meet that minimal spending requirement nicely inside the three months from being accepted for the cardboard in order that you do not miss out on this provide.
Making issues a bit simpler on that rely, you may observe your spending towards the welcome bonus within the Chase app or on the Chase web site.
Associated: Why I love my Chase Sapphire Preferred Card — and will always keep it in my wallet
I am a certified person on one other Chase Sapphire card. Can I nonetheless get this bonus?
Excellent news: Sure!
When you’re simply the authorized user on someone else’s Chase Sapphire Reserve or Preferred, it is best to nonetheless be eligible to use for this card in your personal identify and obtain the bonus as well.
Can my partner and I each get the Chase Sapphire Most popular?
Why not?
If neither of you has the Chase Sapphire Preferred but and also you each qualify and may meet the mixed minimal spending necessities of two playing cards as a substitute of only one, then why would not you attempt to rating 200,000 bonus factors fairly than simply 100,000?
That is the great thing about having a accomplice to maximise bank cards with — you may doubtlessly reap twice the rewards.
Associated: Why the Chase Sapphire Preferred remains the top travel rewards credit card year after year
Do it is advisable to have a checking account with Chase to get the Sapphire Most popular?
Nope.
Opening this card will be the beginning of a relationship with Chase, together with all of the journey that incomes helpful Chase Ultimate Rewards factors can afford you, due to this system’s glorious airline and hotel transfer partners.
The Sapphire Preferred additionally lets you redeem your factors for as much as 1.75 cents per level when reserving journeys straight via the Chase Travel℠ portal due to Chase’s Points Boost feature.
Associated: Chase Sapphire Preferred’s new benefits and 100,000-point bonus are live: 5 things to do now
Are you able to mix Chase factors with different folks?
You possibly can combine Chase points with only one different member of your family, which means they dwell with you and obtain their bank card statements on the identical deal with as you.
When you attempt to mix your factors with a holder of one of many Chase Ink cards, they need to personal the enterprise with which the Ink card is related.
To arrange such level transfers, you will want to name the customer support quantity on the again of your Chase card and have an agent hyperlink them utilizing the cardboard variety of the opposite particular person. After that, it is best to see your family member’s account in your personal on-line account as one of many switch choices.
I used to be rejected and do not know why. Is there something I can do?
Name Chase’s reconsideration line.
What’s a reconsideration line? That is the cellphone quantity you may name to speak to a human consultant and go over the specifics of your utility.
Like many issuers, Chase’s automated utility system isn’t good. Typically it rejects of us out of hand since it will be damaging to the financial institution to approve doubtlessly dangerous candidates with out additional overview.
When you really feel like your utility deserves one other look, you may want to speak to an actual human concerning the particulars of your credit score — particularly if you happen to’ve had lots of current inquiries for a big-ticket buy or mortgage like a automotive or mortgage. Your possibilities of getting an approval will rely upon the precise causes to your denial, however it by no means hurts to speak it out.
Chase’s reconsideration line quantity is 1-888-338-2586. Undergo the prompts, however be sure to speak to a dwell particular person about your utility earlier than conceding defeat.
Associated: Your guide to calling a credit card reconsideration line
I’ve one other Chase journey bank card. Can I nonetheless get the Sapphire Most popular?
Holding one other journey rewards card from Chase — reminiscent of a United Airlines cobranded card or one of many Marriott Bonvoy-branded cards that Chase gives — mustn’t forestall you from making use of for the Chase Sapphire Preferred and incomes its welcome provide. Simply guarantee the remainder of your funds are in good order and your credit score rating is excessive (sometimes, you may want it to be above 700 to be thought of for this card).
Associated: What credit score do you need to get the Chase Sapphire Preferred Card?
I have already got airline bank cards. Do I really want the Chase Sapphire Most popular, too?
That relies on what you need to do together with your factors technique. Airline cobranded credit cards are nice for racking up a number of miles per greenback spent on purchases with a particular airline, in addition to for day-of-travel perks like free checked bags and priority boarding.
The great thing about a card just like the Chase Sapphire Preferred, although, is that it earns factors you can each switch to a wide range of lodge and airline loyalty packages and redeem straight via Chase for journey reservations.
Carrying a card that earns transferable points or miles is vital to a profitable factors and miles technique. It will possibly insulate you in opposition to sudden devaluations in particular person frequent flyer and lodge factors packages.
You do hand over some travel-day perks, however the advantages of carrying a transferable factors card far outweigh the downsides.
I used to have the Chase Sapphire Most popular and earned a referral bonus. Will that forestall me from making use of now?
A referral bonus should not impression your eligibility. Nonetheless, if you happen to had the Chase Sapphire Preferred and earned a welcome bonus on it, you’re out of luck.
Associated: Earn rewards with Chase’s Refer-A-Friend program
What methods can I exploit to satisfy the minimal spending requirement?
Like many journey rewards playing cards, the Chase Sapphire Preferred requires you to spend a certain quantity on purchases inside a set time interval with a view to earn its welcome provide — particularly, $5,000 on purchases inside the first three months from account opening.
That interprets to about $1,667 monthly, which must be pretty manageable if you happen to can put all of your important bills on the cardboard.
If that also will not get you over the hump, there are many inventive however nonetheless accountable methods to satisfy the minimal spending requirement on a bank card.
These embody paying your hire or mortgage with the cardboard (if that is possible and does not hit you with tons of additional prices), waiting until you have a large purchase you had been planning to make anyway, placing some enterprise bills in your card or quickly redirecting all of your bank card spending to your new card.
Associated: 10 ways to meet the spending requirements and earn the bonus on a new card
Will having lots of different bank cards harm my possibilities of getting this provide?
Not essentially.
In case you are eligible for this welcome bonus per the cardboard circumstances and you haven’t opened greater than 5 different playing cards inside the previous 24 months (falling beneath Chase’s 5/24 rule), then having a number of different playing cards can really assist you to — that’s, so long as you repay your balances in full and on time each month.
Keep in mind, you should have a excessive credit score rating to qualify for the Chase Sapphire Preferred, and that requires you to hold a low debt-to-credit ratio. It additionally means it is advisable to have your bank card accounts open and in good standing.
So, when you have a lot of cards however are carrying lots of debt, then it is not a good suggestion to use for a brand new card.
However when you have lots of playing cards and are spending responsibly, why not enhance your general factors stability with this unimaginable provide?
It will not harm your credit score rating in the long run, and it may well even assist enhance it if you happen to proceed to apply good monetary habits, as you may have an excellent bigger line of credit score general.
Associated: I thought I’d hardly use my Sapphire Preferred, then it became one of my go-to cards
What are you able to do with 100,000 Chase factors?
So. Many. Issues!
There are numerous methods to use Chase Ultimate Rewards points for journey. That is partly as a result of when you have the Chase Sapphire Preferred, you may redeem factors at a charge of as much as 1.75 cents apiece towards journey booked via the Chase Journey portal (together with flights and lodge stays).
However remember, Chase Final Rewards has 11 airline and three lodge companions to which you’ll be able to switch your factors. Then, you may redeem these factors for award flights and lodge nights.
These companions presently embody:
The probabilities are just about limitless, however a few of our favourite methods to redeem 100,000 Chase Final Rewards factors embody:
There are many different methods to squeeze the most value out of your Final Rewards factors.
Learn extra: 21 ways to use 100K Chase Ultimate Rewards points: From budget-friendly flights to luxe hotel stays
Is 100,000 factors deal on the Chase Sapphire Most popular?
We will not say this sufficient: Sure.
This isn’t solely the very best provide this card has prolonged this 12 months, however it is among the all-time greatest journey bank card welcome gives … ever.
Why is that? As a result of the 100,000 Final Rewards factors earned with the Chase Sapphire Preferred are ultravaluable. Their minimal face worth is round $1,000 when redeemed straight for journey purchases via the Chase Journey portal. That is already a 20% return on the bonus minimal spending requirement of $5,000 on purchases within the first three months from account opening.
Past that, although, you could have the power to switch these factors to airline and lodge companions, and you will get much more worth from redemptions via these particular person packages. Chase Final Rewards factors are value 2.05 cents every, in line with our June 2026 valuations.
We’re speaking about business-class airline tickets that may value 1000’s of {dollars} in any other case or nights at accommodations the place charges begin above $1,000. If you know the way to leverage these factors to their most worth, you will get a number of thousand {dollars} of worth out of them.
And at TPG, we’re right here that will help you do that when the cardboard is in your pocket.
Good luck with these purposes, and electronic mail us with additional questions you will have!
Apply now for the Chase Sapphire Preferred Card to earn a 100,000-point bonus after spending $5,000 on purchases within the first three months from account opening.
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