Am I eligible for the Chase Sapphire Reserve's 175,000-point bonus?
Editor's Note
The Chase Sapphire Reserve® (see rates and fees) is an uber-popular premium travel credit card that earns highly valuable Chase Ultimate Rewards points.
The Sapphire Reserve includes several statement credits, automatic elite status and high points earning in exchange for a $795 annual fee.
Plus, new applicants for the Sapphire Reserve can check their eligibility to see if they're targeted for an elevated offer to earn up to 175,000 points after spending $6,000 in the first three months. (The standard public offer is 125,000 points for the same spending requirement.)
You must check to see if you're eligible for the 175,000 point offer via the Chase pre-qualification widget — this offer is only available via this tool. There is no impact to your credit score.
Based on TPG's December 2025 valuations, this bonus is worth up to $3,588.
If you're interested in applying, here's everything you need to know regarding your eligibility for this lucrative welcome bonus.
Am I eligible for the Chase Sapphire Reserve bonus?
If you're applying for a Chase card, you'll want to know some notable eligibility rules for welcome bonuses.
A representative from Chase confirmed the following to TPG: "You will be able to have both the Sapphire Reserve and the Chase Sapphire Preferred® Card (see rates and fees). New account bonus offer eligibility for either card will be based on factors including previously earned bonus offers and the number of cards opened and closed, among others."
If you have previously received a Sapphire Reserve welcome bonus, you will not be eligible to receive another Sapphire Reserve welcome bonus. Even if it's been years since you received a welcome bonus on a particular Sapphire card, you most likely will not be eligible to earn another bonus on that same Sapphire card.
This also applies to the Sapphire Preferred, so if you received a welcome bonus on the Preferred, you will not be eligible for another Preferred bonus.
Other things to note are:
- You may not be eligible for a Sapphire Reserve bonus if you're a current Sapphire Preferred cardholder.
- If you're no longer a Sapphire customer and never received a bonus on the Sapphire Reserve, you'll most likely be eligible.
For example, I currently hold the Sapphire Preferred and have never had the Sapphire Reserve. As a current, active Sapphire customer, I could apply and get approved for the Sapphire Reserve, but would almost certainly not be eligible for the bonus.
TPG senior editorial director Nick Ewen currently has the Sapphire Reserve and previously held the Sapphire Preferred many years ago. He could apply for the Sapphire Preferred, but he wouldn't be eligible for the bonus, since he's a current Sapphire Reserve customer. Even if he downgraded his card, he previously earned a bonus on the Sapphire Reserve, so he almost certainly wouldn't be able to earn another one.
When applying for the Sapphire Reserve, a pop-up tool will tell you if you're eligible for a welcome bonus before you submit an application and Chase runs a credit check. This is the best way to confirm if you're eligible for a welcome bonus. If you're not eligible for a welcome bonus, you can still continue with the application and try to get approved without a bonus.
Related: The ultimate guide to credit card application restrictions
The 5/24 rule
Chase is known for its infamous 5/24 rule, which states that you can't have opened five or more cards in the past 24 months across all banks and issuers.
This includes accounts for which you are an authorized user. However, many business cards don't count toward your 5/24 standing.
So, in order to be approved for the Chase Sapphire and eligible for the Sapphire Reserve welcome bonus, you must be under Chase's 5/24 rule.
Related: Here’s how to calculate your 5/24 standing
Shifting credit lines
Additionally, if you have multiple Chase credit cards, you may have reached your maximum total available credit limit, which can potentially cause your application for the Sapphire Reserve to be declined.
If this happens, you can call the Chase reconsideration line at 888-270-2127 and ask them to shift some of your credit limit from an existing Chase card so that you can get approved for the Sapphire Reserve.
Related: What credit score do you need to get the Chase Sapphire Reserve card?
Can I hold both the Sapphire Reserve and Sapphire Preferred at the same time?
You can hold both the Sapphire Reserve and the Sapphire Preferred at the same time.
You just won't be eligible to earn another welcome bonus if you have previously earned one due to bonus eligibility restrictions.
In addition, if you don't want to hold both cards, you can upgrade and downgrade between Sapphire products.
Related: Your biggest Chase Sapphire Reserve questions answered: From bonus eligibility to earning rates
Bottom line
The current offer on the Sapphire Reserve is an outstanding opportunity to earn one of the most valuable rewards currencies: Chase Ultimate Rewards points. Plus, you could be eligible to earn a stellar 175,000-point bonus.
If you’re seeking a premium travel card with strong earning potential, rich benefits and robust travel protections, the Sapphire Reserve deserves a top spot on your list.
Be sure to watch for Chase’s eligibility pop-up during the application process, which will confirm whether you qualify for the welcome bonus before a credit check is run.
Apply here: Chase Sapphire Reserve
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.