On June 17, Chase introduced the addition of a brand-new enterprise bank card, the Chase Sapphire Reserve for Enterprise℠ (see charges and charges, in addition to a whole refresh of the Chase Sapphire Reserve® (see charges and charges), its standard premium journey card. With the addition of latest advantages, assertion credit and the next annual charge, Chase is presently providing an elevated welcome bonus for brand spanking new cardholders.
Chase has additionally carried out a brand new eligibility coverage which will have an effect on your means to earn a Sapphire card welcome bonus greater than as soon as. Nevertheless, the coverage modifications solely have an effect on the buyer Sapphire playing cards and exclude the Sapphire Reserve for Enterprise.
Let’s dive into the modifications.
Chase Sapphire Reserve® — Earn 100,000 bonus factors plus a $500 Chase Journey℠ credit score after spending $5,000 on purchases within the first three months from account opening (see charges and charges).
New Chase Sapphire eligibility bonus guidelines
Chase beforehand had a 48-month welcome bonus eligibility coverage on the Sapphire playing cards. This meant you would not have earned a brand new Sapphire welcome bonus in the event you’d earned one up to now 48 months. Moreover, you would not maintain each the Sapphire Reserve and the Chase Sapphire Most popular® Card (see charges and charges) on the identical time.
Beginning on June 23, 2025, it is possible for you to to have each the Sapphire Reserve and Sapphire Most popular playing cards. Nevertheless, bonus eligibility for every card might be based mostly on a number of elements, together with beforehand earned bonus presents, the variety of playing cards opened and closed, amongst different issues, a consultant for Chase confirmed to TPG.
So, what does this imply?
In case you beforehand acquired a Sapphire welcome bonus:
Retroactively, in the event you acquired a Sapphire welcome bonus on a selected card up to now, in the event you reapply for that card, you’ll almost definitely not be eligible to obtain one other Sapphire welcome bonus on that exact product, even when the 48-month mark has handed.
For instance, senior journey editor Lyndsey Matthews downgraded her Chase Sapphire Most popular in April, which she’s held since 2016, to the Chase Freedom Limitless® (see charges and charges) after which reapplied for the Most popular card. At the moment, she was eligible for the welcome bonus supply.
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Nevertheless, with Chase’s new coverage, she wouldn’t be eligible for an additional Sapphire Most popular welcome bonus, even when she downgraded her card and 48 months had handed.
You presently maintain a Sapphire bank card:
You will not be eligible for a Sapphire bonus in the event you presently maintain one of many Sapphire playing cards. Nevertheless, if you’re now not a Sapphire buyer, chances are you’ll be eligible for a bonus you probably have not acquired a welcome supply from a specific Sapphire product.
Due to this fact, in the event you maintain the Sapphire Most popular and need to apply for the Sapphire Reserve (and have by no means held that card), although now you can maintain each playing cards on the identical time, you’d almost definitely not be eligible for the Sapphire Reserve bonus. Nevertheless, in the event you downgrade your Sapphire Most popular after which apply for the Sapphire Reserve, chances are you’ll qualify for the welcome bonus.
For instance, senior factors and miles editor, Gabrielle Bernardini, beforehand held the Sapphire Reserve and downgraded to the Chase Freedom Limitless. Since she now not holds a Sapphire card, if she applies for the Sapphire Most popular, she would seemingly be eligible for the welcome bonus since she by no means acquired a bonus supply on that particular card.
You beforehand held each Sapphire playing cards:
If in case you have the Sapphire Reserve and had the Sapphire Most popular, you would apply for the Sapphire Most popular, however you probably would not be eligible for the bonus because you beforehand earned a Sapphire Reserve and a Sapphire Most popular bonus.
For instance, editorial director Carly Hefland beforehand held the Sapphire Reserve. She downgraded to the Freedom Limitless and utilized for the Sapphire Most popular, which she presently holds. If she reapplies for the Sapphire Reserve, she could also be permitted for the cardboard, however would almost definitely not earn a bonus on it since she beforehand acquired a welcome supply on that particular card and presently holds the Most popular card.
Once more, this new coverage applies to all Sapphire shopper playing cards, excluding the brand new Sapphire Reserve for Enterprise.
Test Sapphire eligibility with Chase’s card instrument:
Following the modifications to bonus supply eligibility, Chase has carried out a pop-up instrument for card functions that may let you know in the event you’re eligible for a welcome bonus earlier than you proceed, with no influence in your credit score rating. That is one of the simplest ways to verify your eligibility for a welcome bonus.
Associated: The last word information to bank card software restrictions
Backside line
Whereas these new bonus eligibility guidelines will not be favorable to some present Sapphire cardholders, in the event you do meet the eligibility necessities, you’ll be able to earn a very profitable bonus. The largest takeaway is that you probably have earned a Sapphire bonus beforehand, you probably will not be eligible to earn one other one for that exact Sapphire card.
Nevertheless, it is a good addition that you could now maintain each the Sapphire Reserve and Sapphire Most popular to essentially maximize your Final Rewards factors earnings and make the most of the brand new perks on the Reserve.
