In case you have not heard, certainly one of TPG’s favourite rewards playing cards available on the market is operating among the finest offers we have ever seen.
That is proper — the Chase Sapphire Most popular® Card (see charges and costs) is providing new cardholders a staggering 100,000 bonus factors 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 lengthy listing of redemption choices you possibly can unlock with these factors, you do not need to miss your probability to earn this provide.
However if you happen to’ve been a certified person on another person’s Sapphire card and have not opened your personal Sapphire Most popular or premium Chase Sapphire Reserve® (see charges and costs) account, you might marvel if you happen to’re eligible for this welcome provide.
If this appears like your circumstance, now we have the reply for you. Let’s stroll by means of methods to navigate this case so you possibly can snag these 100,000 invaluable Chase Final Rewards factors for your self.
Can I open the Sapphire Most popular if I am a certified person on a Chase Sapphire card?
The quick reply is sure.
You don’t open your personal particular person line of credit score while you’re added as an approved person 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 who technically “has” the cardboard. Due to this, you don’t “have” the cardboard and are eligible to get your personal.
You do not have to take away your self as a certified person to obtain your personal card, both. This may be an necessary consideration, since your credit score rating could possibly be affected if you happen to take away your self from a long-standing account that anchors the common age of your accounts.
Every day Publication
Reward your inbox with the TPG Every day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Should you run into any issues along with your utility after being a certified person on another person’s card, it is price calling Chase’s reconsideration line to clarify your state of affairs to a customer support consultant.
Nonetheless, there are some restrictions to notice in terms of making use of for any Chase card. Plus, another stipulations exist round Sapphire playing cards particularly. Let’s study these utility guidelines to see if they might have an effect on your utility.
Associated: As a certified person, can I open my very own account for a similar card?
Sapphire Most popular utility guidelines
Chase has a brief listing of nuanced utility guidelines which will trigger you to overlook out on its unimaginable 100,000-point welcome provide if you happen to do not comply with them.
Two guidelines have an effect on Chase Sapphire merchandise:
Chase’s 5/24 rule
Excluding some enterprise playing cards, each card you have efficiently utilized for within the final 24 months counts in opposition to this rule. It’s important to be under 5/24 to be accepted for a card from Chase.
Approved person playing cards (if they have been opened within the final 24 months) typically rely in opposition to your 5/24 standing, despite the fact that you are not the first cardholder.
Should you’re denied a Chase card because of this, there could possibly be a straightforward manner out. Should you name the reconsideration line and clarify the state of affairs, a Chase consultant could not rely a card you are a certified person on towards your 5/24 standing. Nonetheless, this doesn’t assure you will be accepted.
Chase Sapphire rule
The Sapphire Most popular’s utility web page is obvious with this rule:
This product is obtainable to you if you happen to shouldn’t have any Sapphire card and haven’t obtained a brand new cardmember bonus for any Sapphire card up to now 48 months.
Keep in mind that approved customers should not thought of main cardmembers, so this rule will not apply to you. So long as you are solely a certified person and you do not have your personal Sapphire Most popular, Sapphire Reserve or no-annual-fee Chase Sapphire Card (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 offered by the cardboard issuer.
Associated: The final word information to bank card utility restrictions
Am I eligible for the Sapphire Most popular’s 100,000-point welcome bonus?
You’ll be able to obtain the bonus on the Sapphire Most popular if you have not obtained a bonus on both Sapphire card up to now 48 months. Once more, if you happen to’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.
Nonetheless, as we have mentioned, if you happen to’ve beforehand held your personal Sapphire Most popular or Sapphire Reserve and earned a welcome bonus inside the previous 48 months, you will not be eligible to obtain this present bonus. Word this date is 48 months from while you obtained the bonus, not from while you utilized for the cardboard.
Associated: Who’s eligible for the Chase Sapphire Most popular’s 100,000-point bonus?
Backside line
With a suggestion as strong as the present 100,000-point bonus on the Chase Sapphire Most popular, it is comprehensible why you’d need to guarantee your eligibility.
However, if you happen to’re a certified person, do not have your personal Sapphire card and have not earned a bonus on a Sapphire card in 48 months, you will solely have to be involved along with your 5/24 standing, which is a consideration for anybody making use of for a brand new Chase card.
Keep in mind that in case you are rejected, you possibly can at all times name Chase’s reconsideration line to make your case for why you need to be accepted.
To be taught extra, try our full evaluate of the Sapphire Most popular.
Apply now: Chase Sapphire Most popular
