The Chase Sapphire Most popular® Card (see charges and costs), Chase Sapphire Reserve® (see charges and costs) and Chase Sapphire Reserve for Trade℠ (see charges and costs) often be offering one of the crucial maximum precious welcome bonuses to be had on a shuttle bank card — however now not each applicant will qualify to earn them.
Chase has a number of regulations that may impact your eligibility for a Sapphire welcome bonus, together with its 5/24 coverage, restrictions on in the past incomes Sapphire bonuses and basic approval necessities.
Use this tick list to decide whether or not you might be eligible for a Chase Sapphire welcome bonus prior to you practice.
Present welcome bonus provides on Chase Sapphire playing cards
| Card | Annual price | Welcome be offering | Welcome be offering worth* |
|---|---|---|---|
|
$95 |
Earn 75,000 bonus issues after spending $5,000 on purchases within the first 3 months from account opening. |
$1,538 |
|
|
$795 |
Earn 150,000 bonus issues after spending $6,000 on purchases within the first 3 months from account opening. |
$3,075 |
|
|
$795 |
Earn 150,000 bonus issues after spending $20,000 on purchases inside the first 3 months from account opening. |
$3,075 |
*Welcome be offering worth is an estimated worth in response to TPG’s Would possibly 2026 valuations and isn’t supplied by means of the issuer.
Are you beneath Chase’s 5/24 rule?
The primary main hurdle to transparent for Sapphire candidates is Chase’s well known 5/24 rule.
Normally, Chase would possibly routinely deny your software if you happen to’ve opened 5 or extra private bank cards throughout all issuers inside the previous 24 months.
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Maximum industry playing cards don’t rely towards your 5/24 overall, despite the fact that licensed person accounts can occasionally seem in your credit score record and impact your rely.
In case you are over 5/24, you will want to wait to use for a Sapphire card as you most likely would possibly not qualify for the welcome bonus, and Chase would possibly nonetheless carry out a difficult inquiry in your credit score record.
How one can take a look at your 5/24 standing
One of the simplest ways to calculate your 5/24 status is by means of reviewing your credit score record.
You’ll create a unfastened Experian account or request unfastened stories from every credit score bureau to peer which bank cards you’ve got opened, after they have been opened and whether or not they fall inside the previous 24 months.
If you happen to’ve opened 4 or fewer playing cards inside of that time period, you’ll be able to transfer directly to the following eligibility requirement.
Comparable: The most productive techniques to make use of your Chase 5/24 slots
Have you ever earned this Sapphire welcome bonus prior to?
Every other vital issue is whether or not you’ve got in the past earned a welcome bonus at the particular Sapphire card you might be making use of for.
Normally, Chase restricts candidates from incomes the similar Sapphire welcome bonus greater than as soon as. That suggests:
Then again, incomes an advantage on one Sapphire card does now not essentially save you you from incomes the bonus on a other Sapphire product.
As an example, a Sapphire Most popular cardholder who hasn’t ever earned the Sapphire Reserve bonus would possibly nonetheless qualify for the Sapphire Reserve welcome be offering. In a similar way, candidates who’ve earned a client Sapphire bonus would possibly nonetheless be eligible for the Sapphire Reserve for Trade bonus (in the event that they another way qualify).
Chase may additionally show a pop-up message right through the applying procedure, confirming whether or not you might be eligible for a Sapphire welcome bonus prior to acting a difficult inquiry in your credit score record. In case you are now not eligible, you’ll be able to generally have the opportunity to withdraw your software prior to filing it.
Earlier than making use of, it is value reviewing your Chase account historical past or previous statements to substantiate whether or not you’ve got in the past won the bonus on that particular Sapphire card.
Comparable: Chase Sapphire Most popular vs. Sapphire Reserve: Which card is best for you?
Will have to you downgrade your present Sapphire card?
In lots of instances, you won’t want to downgrade your present Sapphire card prior to making use of for some other Sapphire product.
Then again, downgrading may just nonetheless make sense if:
Widespread downgrade choices come with the Chase Freedom Flex® (see charges and costs) and the Chase Freedom Limitless® (see charges and costs).
Earlier than making any product trade, evaluate the worth of your present Sapphire advantages, annual price and rewards construction towards the cardboard you might be taking into consideration as an alternative.
The tips for the Chase Freedom has been accrued independently by means of The Issues Man. The cardboard main points in this web page have now not been reviewed or supplied by means of the cardboard issuer.
Comparable: When must you downgrade a bank card?
Do you might have the really helpful credit score ranking for a Sapphire card?
Assembly Chase’s bonus eligibility regulations does not ensure approval.
All 3 Sapphire playing cards are thought to be top rate shuttle rewards playing cards, and approval odds are typically easiest for candidates with:
- Just right to very good credit score
- Unfavorable credit ratings usage
- Robust fee historical past
- Manageable debt-to-income ratios
In response to crowdsourced approval knowledge, the Sapphire Most popular continuously calls for a credit score ranking of round 670 or upper, and the Sapphire Reserve generally favors candidates with ratings nearer to 740 or above.
For the reason that Sapphire Reserve is a Visa Countless card, licensed candidates typically want to qualify for a credit score line of a minimum of $10,000.
When you have restricted credit score historical past or a decrease credit score ranking, it’ll make sense initially a extra beginner-friendly card and construct your credit score profile prior to making use of for a Sapphire card.
Comparable: The largest components that impact your credit score ranking
Base line
Earlier than making use of for a Chase Sapphire card, it is value checking your 5/24 standing, your earlier Sapphire bonus historical past and your general credit score profile.
Reviewing those necessities previously will let you steer clear of losing a difficult inquiry in your credit score record and make stronger your probabilities of incomes a precious Sapphire welcome bonus.
To be told extra, learn our complete evaluations of the Chase Sapphire Most popular, Sapphire Reserve and Sapphire Reserve for Trade.
Practice right here: Chase Sapphire Most popular
Practice right here: Chase Sapphire Reserve
Practice right here: Chase Sapphire Reserve for Trade
