What makes this credit card offer different
This credit card offer is a points-or-miles bonus, so the real value depends on how you redeem the rewards rather than only the headline count.
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Credit Card
Chase Sapphire Reserve Bonus — Up to 100,000 Points + 7,500 points
Apply to Chase Sapphire Reserve Bonus and earn up to $2,150 in combined sign-up and referral bonuses.
Qualifying Period
within 3 months of account opening
Payout
6 to 8 weeks after meeting the spending requirement
Requirements
- ✓$6,000 in purchases in first 3 months
- ✓Account must be open and not in default at time of fulfillment
- ✓$6,000 in purchases within first 3 months from account opening
- ✓$6,000 in purchases within 3 months of account opening
- ✓Min $6,000 in purchases within 3 months from account opening
- ✓Spend $6,000 on purchases within the first 3 months from account opening
- ✓$6,000 in purchases within first 3 months
- ✓$6,000 spend in first 3 months from account opening
- ✓Spend $6,000 on purchases in first 3 months from account opening
- ✓Account must remain open until bonus posts
- ✓$6,000 in purchases in first 3 months from account opening
- ✓Spend $6,000 on purchases in the first 3 months from account opening
- ✓$6,000 in purchases within first 3 months of account opening
- ✓Minimum $10,000 credit line required
- ✓Minimum spending requirement (varies by offer tier)
- ✓Minimum $6,000 in purchases within first 3 months from account opening
- ✓Minimum $10,000 credit line
Restrictions
- ⚠New cardmembers only
- ⚠One bonus per lifetime per card
- ⚠Cannot earn bonus again if previously received Sapphire Reserve bonus
- ⚠New cardmember only (may not be available if previously held this card or received bonus)
- ⚠Account must be open and not in default at time of fulfillment
- ⚠New cardmember only
- ⚠Cannot have previously held this card or received a new cardmember bonus for this card
- ⚠Bonus offer is non-transferable
- ⚠One bonus per product lifetime
- ⚠Cannot have received bonus on this specific card in the past
- ⚠New cardmember bonus not available if you currently have this card open
- ⚠Not available if you previously held this card or received a bonus for it
- ⚠One bonus per card, lifetime
- ⚠New cardholders only
- ⚠Not eligible if you previously held this card or received a welcome bonus on it
- ⚠Account must be open and not in default at fulfillment
- ⚠Cannot have received a bonus on this card previously
- ⚠New customers only
- ⚠Cannot have opened Sapphire Reserve card previously and received bonus
Fees
- $795 annual fee
- $195 per authorized user
- $195 for each authorized user
- Balance transfers, cash advances, fees, returns, and refunded spending do not count toward the $6,000 minimum
- If 10 or more referrals use your link within a month, you may forfeit referral bonuses at Chase's discretion
- One bonus per lifetime on each Sapphire card
- As of January 2026, can hold both Sapphire Preferred and Sapphire Reserve and earn bonus on each
- Non-transferable bonus offer
- Purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers, lottery tickets, casino chips, betting transactions, or fees
- Points are earned through Chase Ultimate Rewards program
- Points do not expire as long as account remains open
- Balance transfers, cash advances, fees, returns do not count toward minimum spend
- Authorized user purchases do count toward qualifying spend
- Account must be open and in good standing at time of bonus fulfillment
- Bonus offer is non-transferable
- Balance transfers and cash advances do not count toward spending requirement
- Bonus points do not expire as long as account remains open
- Ultimate Rewards points do not expire as long as account remains open
- Once-per-lifetime bonus eligibility per card
- Chase considers number of cards opened/closed in eligibility determination
- Limited-time promotional offer — expired June 15, 2026 at 9 a.m. ET
- Current permanent offer is 100,000 points
- Bonus is for Chase Ultimate Rewards points
- Points must post within 6 to 8 weeks after qualifying purchases
- Account must be open and in good standing at time of fulfillment
- Purchases made outside the U.S. are not eligible
- Gift cards and apparel are not eligible
- Points earned on Peloton equipment purchases will be deducted if order is canceled or returned
- Purchases must post by last day of promotional period to qualify
- This is a limited-time offer
- Limited-time offer is described as 'best-ever' for this card
Total potential bonus
$2,150
Additional Referral Bonus (how it works)
7,500 points
Your 50% share of 15,000 points paid directly by the referrer
View Referral Terms →100,000 points (sign-up) + 15,000 points (referral) = $2,150 total
Last updated October 12, 2026
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How to evaluate Chase Sapphire Reserve Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- within 3 months of account opening
- Payout timeline
- 6 to 8 weeks after meeting the spending requirement
How to qualify
- $6,000 in purchases in first 3 months
- Account must be open and not in default at time of fulfillment
- $6,000 in purchases within first 3 months from account opening
- $6,000 in purchases within 3 months of account opening
Common pitfalls
- New cardmembers only
- One bonus per lifetime per card
- Cannot earn bonus again if previously received Sapphire Reserve bonus
- New cardmember only (may not be available if previously held this card or received bonus)
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $5,000 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include 100,000 points sign-up bonus, 7,500 points referral share for a total displayed potential of $2,150. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
Can Chase Sapphire Reserve Bonus stack with a referral?
Credolix tracks a referral path for this offer. The displayed user share is 7,500 points based on 50% of the listed referral payout.
