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.
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
3 months
Payout
1-2 billing cycles
Requirements
- ✓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
- ✓$6,000 in purchases within 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
- ✓Account must be open and not in default at time of fulfillment
- ✓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
- ✓$6,000 minimum spend in first 3 months of account opening
Restrictions
- ⚠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
- ⚠New cardmember only
- ⚠Cannot have received a bonus on this card previously
- ⚠Account must be open and not in default at time of fulfillment
- ⚠New customers only
- ⚠Cannot have opened Sapphire Reserve card previously and received bonus
- ⚠Not available if currently holding Sapphire Reserve
- ⚠Subject to Chase 5/24 rule
- ⚠New cardmembers only
- ⚠Cannot currently have this card open
- ⚠May not be eligible if previously received a new cardmember bonus for this card
- ⚠Once per lifetime per card product
- ⚠Offer is non-transferable
- ⚠Cannot have or have previously received bonus on this card
- ⚠Cannot have previously held this card or received a bonus for this card
- ⚠Not available if you currently have this card open
- ⚠Cannot currently hold this card
- ⚠If previously held, may not be eligible for bonus
- ⚠Bonus offer is non-transferable
- ⚠Cannot have earned a Sapphire Reserve bonus previously
- ⚠New cardmember bonus may not be available if previously held the card
- ⚠Cannot have previously held Sapphire Reserve
- ⚠Cannot currently hold Sapphire Reserve
- ⚠Subject to Chase's 5/24 rule
- ⚠Once-per-lifetime bonus per card
- ⚠Card must be open and not in default at time of fulfillment
- ⚠Cannot have previously held this card or received a bonus on it
- ⚠New cardmember bonus may not be available if you previously held this card or received a new cardmember bonus for this card
- ⚠This credit card is unavailable to you if you currently have this card open
- ⚠Must spend $6,000 in first 3 months
- ⚠Once per lifetime per card
- ⚠Non-transferable
- ⚠Not eligible if you currently have this card
- ⚠Not eligible if you previously held this card or received a new cardmember bonus for this card
- ⚠Cannot currently hold Sapphire Reserve or have previously earned Sapphire Reserve bonus
- ⚠Chase 5/24 rule applies
- ⚠Can now hold both Sapphire Reserve and Sapphire Preferred simultaneously
Fees
- $795 annual fee
- $195 for each authorized user
- 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
- Account must be open and not in default at fulfillment
- Bonus is non-transferable
- Chase's 5/24 rule applies
- Offers may vary depending on where you apply
- Account must be open and not in default at time of fulfillment
- Purchases do not include balance transfers, cash advances, cash-like transactions, lottery tickets, casino chips, betting transactions, person-to-person transfers, checks, interest, unauthorized charges, or fees
- Points earned on certain purchase types do not qualify toward minimum spend (balance transfers, cash advances, cryptocurrency, gaming, betting)
- Gift cards and apparel purchases do not count toward minimum spend
- Points do not expire as long as account remains open
- Account must be open and not in default to earn bonus
- Subject to Chase's 5/24 rule (opening 5+ new cards in 24 months may result in denial)
- Once-per-lifetime rule: if you previously received Sapphire Reserve bonus, you are ineligible
- Chase considers the number of cards you have opened and closed in determining bonus eligibility
- Subject to Chase's standard credit approval and 5/24 rule
- Chase may consider the number of cards you have opened and closed in determining your bonus eligibility
- Points earned on Peloton equipment may be deducted if order is canceled or returned
- Chase may consider the number of cards opened and closed when determining bonus eligibility
- Purchases made outside U.S. are not eligible
- Points earned on Peloton purchases will be deducted if order is cancelled or returned
- Purchases must post to account by last day of promotional period to qualify
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 July 7, 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
- 3 months
- Payout timeline
- 1-2 billing cycles
How to qualify
- 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
- $6,000 in purchases within first 3 months from account opening
Common pitfalls
- 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
- New cardmember only
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,750 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.
How long do I have to qualify for Chase Sapphire Reserve Bonus?
The qualifying period listed for Chase Sapphire Reserve Bonus is 3 months.
When does Chase Sapphire Reserve Bonus pay out?
The payout timeline listed for Chase Sapphire Reserve Bonus is 1-2 billing cycles.
