On June 17, Chase introduced the addition of a brand-new enterprise bank card, the Chase Sapphire Reserve for Enterprise℠ (see charges and costs, in addition to an entire refresh of the Chase Sapphire Reserve® (see charges and costs), its widespread premium journey card. With the addition of recent advantages, assertion credit and a better annual payment, Chase is at present providing an elevated welcome bonus for brand new cardholders.
Chase has additionally applied a brand new eligibility coverage that will have an effect on your capability to earn a Sapphire card welcome bonus greater than as soon as. Nonetheless, the coverage adjustments solely have an effect on the buyer Sapphire playing cards and exclude the Sapphire Reserve for Enterprise.
Let’s dive into the adjustments.
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 costs).
New Chase Sapphire eligibility bonus guidelines
Chase beforehand had a 48-month welcome bonus eligibility coverage on the Sapphire playing cards. This meant you possibly can not have earned a brand new Sapphire welcome bonus for those who’d earned one prior to now 48 months. Moreover, you possibly can not maintain each the Sapphire Reserve and the Chase Sapphire Most well-liked® Card (see charges and costs) on the similar time.
Beginning on June 23, 2025, it is possible for you to to have each the Sapphire Reserve and Sapphire Most well-liked playing cards. Nonetheless, bonus eligibility for every card might be primarily based on a number of components, together with beforehand earned bonus provides, the variety of playing cards opened and closed, amongst different concerns, a consultant for Chase confirmed to TPG.
So, what does this imply?
For those who beforehand acquired a Sapphire welcome bonus:
Retroactively, for those who acquired a Sapphire welcome bonus on a particular card prior to now, for those who reapply for that card, you’ll more than likely 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 well-liked in April, which she’s held since 2016, to the Chase Freedom Limitless® (see charges and costs) after which reapplied for the Most well-liked card. At the moment, she was eligible for the welcome bonus provide.
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Nonetheless, with Chase’s new coverage, she wouldn’t be eligible for one more Sapphire Most well-liked welcome bonus, even when she downgraded her card and 48 months had handed.
You at present maintain a Sapphire bank card:
You is probably not eligible for a Sapphire bonus for those who at present maintain one of many Sapphire playing cards. Nonetheless, in case you are not a Sapphire buyer, you could be eligible for a bonus in case you have not acquired a welcome provide from a specific Sapphire product.
Due to this fact, for those who maintain the Sapphire Most well-liked 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 similar time, you’ll more than likely not be eligible for the Sapphire Reserve bonus. Nonetheless, for those who downgrade your Sapphire Most well-liked after which apply for the Sapphire Reserve, you could 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 not holds a Sapphire card, if she applies for the Sapphire Most well-liked, she would possible be eligible for the welcome bonus since she by no means acquired a bonus provide on that particular card.
You beforehand held each Sapphire playing cards:
When you’ve got the Sapphire Reserve and had the Sapphire Most well-liked, you possibly can apply for the Sapphire Most well-liked, however you probably would not be eligible for the bonus because you beforehand earned a Sapphire Reserve and a Sapphire Most well-liked bonus.
For instance, editorial director Carly Hefland beforehand held the Sapphire Reserve. She downgraded to the Freedom Limitless and utilized for the Sapphire Most well-liked, which she at present holds. If she reapplies for the Sapphire Reserve, she could also be authorized for the cardboard, however would more than likely not earn a bonus on it since she beforehand acquired a welcome provide on that particular card and at present holds the Most well-liked card.
Once more, this new coverage applies to all Sapphire client playing cards, excluding the brand new Sapphire Reserve for Enterprise.
Verify Sapphire eligibility with Chase’s card device:
Following the adjustments to bonus provide eligibility, Chase has applied a pop-up device for card functions that can let you know for those who’re eligible for a welcome bonus earlier than you proceed, with no affect in your credit score rating. That is one of the best ways to verify your eligibility for a welcome bonus.
Associated: The final word information to bank card software restrictions
Backside line
Whereas these new bonus eligibility guidelines is probably not favorable to some present Sapphire cardholders, for those who do meet the eligibility necessities, you possibly can earn a very profitable bonus. The largest takeaway is that in case you have earned a Sapphire bonus beforehand, you probably will not be eligible to earn one other one for that exact Sapphire card.
Nonetheless, it is a good addition which you can now maintain each the Sapphire Reserve and Sapphire Most well-liked to actually maximize your Final Rewards factors earnings and make the most of the brand new perks on the Reserve.
