For those who’ve been fascinated about making use of for the Chase Sapphire Most well-liked® Card (see charges and charges) — and even when you have not, you will need to hear this — now’s the perfect time to take action.
That is as a result of you may presently earn a limited-time bonus of 100,000 Final Rewards factors after spending $5,000 on purchases within the first three months of account opening.
TPG’s March 2025 valuations peg Chase Final Rewards factors at 2.05 cents every, which implies this bonus is value a whopping $2,050. This matches the highest-ever welcome provide we final noticed on this card over three years in the past.
Supply alert: Earn 100,000 bonus factors with the Chase Sapphire Most well-liked for a restricted time.
Earlier than you apply, although, it’s best to be sure you’re eligible for this provide. Here is a fast rundown of the eligibility necessities and restrictions for the Chase Sapphire Most well-liked welcome bonus.
Am I eligible for Chase Sapphire Most well-liked bonus?
That is what Chase states on its web site concerning Chase Sapphire Most well-liked bonus guidelines and eligibility:
The product is just not obtainable to both (i) present cardmembers of any Sapphire bank card, or (ii) earlier cardmembers of any Sapphire bank card who acquired a brand new cardmember bonus inside the final 48 months.
That implies that you are within the clear to use for the cardboard and obtain the welcome bonus should you’ve by no means held the Chase Sapphire Most well-liked or Chase Sapphire Reserve® (see charges and charges).
Nevertheless, issues get a bit of extra difficult should you presently have the Sapphire Most well-liked or Reserve — or should you’ve had one prior to now.
Chase has a 48-month rule for purchasers to obtain new cardmember bonuses inside the Chase Sapphire card household.
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So, should you’ve earned a Chase Sapphire Most well-liked or Sapphire Reserve welcome bonus prior to now 4 years, you are out of luck to earn this bonus. And take into account that the 48-month rule applies to once you acquired the bonus, not once you utilized for the cardboard.
Moreover, you may solely have one Sapphire bank card open at a time. Which means those that are present cardholders of the Chase Sapphire Most well-liked, Chase Sapphire Reserve or the no-annual-fee Chase Sapphire Card (not open to new functions) can’t apply for this card or obtain the bonus.
The data for the Chase Sapphire 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: What credit score rating do you might want to get the Chase Sapphire Most well-liked card?
Chase’s 5/24 rule
One thing else to contemplate when fascinated about whether or not to use for the Sapphire Most well-liked is Chase’s 5/24 rule.
Even should you meet the above necessities, Chase Sapphire Most well-liked bonus guidelines require you to nonetheless fall underneath Chase’s notorious — although unpublished — 5/24 rule.
For those who’ve opened 5 or extra new private bank card accounts (together with approved consumer accounts and a few enterprise accounts) throughout all issuers prior to now two years, Chase is sort of definitely going to disclaim your utility.
You may attempt calling Chase to see in the event that they’re keen to not maintain approved consumer accounts towards your most of 5 new accounts within the final two years should you get denied for a brand new Chase card; nevertheless, word that this does not imply you will get an computerized approval.
Associated: How one can calculate your 5/24 standing
Shifting credit score traces
There’s one closing word concerning Sapphire Most well-liked functions. For those who presently have a number of Chase bank cards with massive credit score limits, there’s an opportunity you have hit the utmost (complete) sum of money that the issuer is keen to mortgage you.
If this occurs, you almost certainly will not be rejected for the cardboard once you apply. As a substitute, your utility will go into “pending” standing.
You possibly can watch for Chase to decide, however you is likely to be higher off calling the reconsideration line. You possibly can proactively provide to maneuver credit score traces from an current card to the Sapphire Most well-liked, which will help the agent push your utility by.
Backside line
The present Chase Sapphire Most well-liked limited-time welcome bonus of 100,000 Chase Final Rewards could be very helpful, so those that are eligible ought to take into account making use of.
For those who’ve had your eye on the Sapphire Reserve, you might apply for the Sapphire Most well-liked now to earn the upper welcome bonus. Then you might request to improve to the Sapphire Reserve after a yr to entry elevated journey perks.
To study extra, learn our full assessment of the Chase Sapphire Most well-liked.
Apply right here: Chase Sapphire Most well-liked Card
Associated: Why the Chase Sapphire Most well-liked ought to nonetheless be your first rewards card
