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Can You Get the Incredible Chase Sapphire Preferred 100,000 Point Offer?

Written by Charlie

This post will help you to figure out if you can get the Chase Sapphire Preferred 100,000 point offer. It is definitely worth checking out since it has huge value!

With Chase dropping the best ever (public) offer on the Chase Sapphire Preferred, there are many wondering if they can get the Chase Sapphire Preferred 100,000 point offer. Here are some things to keep in mind if you want to get this deal.

Can You Get the Chase Sapphire Preferred 100,000 Point Offer?

Link: Chase Sapphire Preferred 100K Point Offer This is personal referral offer that will give me points as well – thanks for the support!

Edit: If you go into a Chase branch, you can apply with one of their bankers to get the same offer with the $95 annual fee waived the first year and the $50 grocery credit from the previous offer. That equals $145 in more value from the public, online offer!

Chase has a couple of big rules that block the way of potential cardholders. One is known as “Chase 5/24” and the other concerns when you last received a bonus on a Chase Sapphire card. After you clear those hurdles, you still need to pass things like the actual application which will based on things like a credit score and also Chase checking your relationship with them.

Chase 5/24 Rule

This rule has been around for a while and, to put it simply, it means that you cannot have had 5 or more new card accounts open in the last 24 months (from any bank) to be eligible for a majority of Chase credit cards.

While business cards do not count towards that 5 number (if those business cards do not report to your personal credit report), card accounts from other banks do. So, if you have been grabbing some of the great offers out in the last two years, check to see how many you have opened in the last 24 months.

If you fall under the Chase 5/24 rule this month, you will need to wait until July 1 to apply. However, you could apply now and then call the reconsideration line after July 1 if you want to have it be reconsidered when you are free from the Chase 5/24 limit.

If the total number is under 5, you are good to go to apply for the Chase Sapphire Preferred 100,000 point offer – at least, based on the Chase 5/24 Rule. Take a look at the next rule.

Chase Sapphire Rule

This is the next rule hurdle in your way. This rule says “The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months.”

So, if you have received a bonus in the last 48 months on any Chase Sapphire card (Chase Sapphire Preferred or Chase Sapphire Reserve), you will not be eligible to get this offer. Furthermore, and this will likely affect many, you cannot currently hold a Sapphire card of any kind – no Sapphire, no Sapphire Preferred, and no Sapphire Reserve.

The easy thing to do would be to product change that Sapphire card to a Freedom card and then apply for the Chase Sapphire Preferred 100,000 point offer later on. Or, you can cancel the Sapphire card but you may not want to if you want the Sapphire card or Freedom card in case you do not get approved on the Sapphire Preferred.

So, if you have not had a Sapphire bonus in the last 48 months and you do not currently hold a Sapphire card, head down to the next section!

The Actual Application

Now we have cleared both hurdles that would have received a decline automatically. Now we are on to the application itself. It is based quite a bit on your credit score and for the Chase Sapphire Preferred, you would need over 720 (though some have had it under 720 but 720 is a good number to start at).

Another thing to consider is your relationship with Chase. How many cards do you have with them and what is your total line of credit on cards with them? If it is very high, you should pick a card that has a credit line that you do not mind splitting to have assigned to the Chase Sapphire Preferred, if you need to move some lines of credit around. You will need at least $5,000 of credit line to get approved for the Preferred.

If you do receive a negative response to your application, you can call the Chase reconsideration line to see what you can do to get approved. The Chase reconsideration line number is 1-888-270-2127.

Bottom Line

Every so often, a credit card bonus comes along that is totally worth getting. This Chase Sapphire Preferred 100,000 point offer is one such offer. People were jumping on the 100,000 point offer when the Chase Sapphire Reserve was launched – and that came with a $450 annual fee (though it was offset by a $300 travel credit)! This card has a $95 annual fee so much easier to swallow.

This post helps you to understand if you can get the Chase Sapphire Preferred 100,000 point offer. Hopefully you can!

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About the author


Charlie has been an avid traveler and runner for many years. He has run in marathons around the world for less than it would cost to travel to the next town - all as a result of collecting and using miles and points. Over the years, he has flown hundreds of thousands of miles and collected millions of miles and points.
Now he uses this experience and knowledge to help others through Running with Miles.


  • A few things to ponder, regarding this incredible offer:

    1) Four years ago, the sign-up bonus for this card was 50k points.

    2) Later, Chase increased that to 60k.

    3) For the past few months, they increased it again, to 80k.

    4) Other banks had their own share of incredible offers, lately. For example, Amex offered up to 150k points plus 10x on groceries for various Platinum cards, compared to just 60k or so, which is (was?) the regular bonus. They also offered up to 35k for referral bonuses and, for a while, they also offered some additional cash and bonus points at home improvement stores, on top of that. Very generous.

    5) What else happened over the past few years? First, at least two of Chase’s point transfer partners (United and AirFrance) have switched to dynamic pricing and that substantially reduced the value of those points. Second, it’s getting harder and harder to redeem those points, after a transfer, for domestic flights. Third, Chase imposed all those restrictions mentioned in this article, so that eliminated a good chunk of the people interested in signing up. Something similar happened at Amex, with their “pop-up denials”.

    Suddenly, this doesn’t look so incredible anymore, does it? And that’s not even accounting for the changes (devaluations, in particular) that will probably happen in the not too distant future, which Chase knows about and we don’t.

    I don’t want to sound negative, and I hope this offer will remain available for long enough so I can benefit from it, but we should be realistic about these incredible offers.

  • […] The Chase Sapphire Preferred card recently came out with a 80,000 point plus $50 statement credit for grocery spend. Fantastic offer indeed. And a few days ago Chase went all out with a 100,000 offer! Highest ever for this card. Remember when Chase came out with a 100,000 Sapphire Reserve offer about five or so years ago to shock the world…only to proceed to lose HUNDREDS of millions of dollars on it? Yeah, this goes hand in hand with all the other inflated craziness happening everywhere! If I knew this will happen I would advise readers to wait of course. Sometimes this happens. Again, for some strange reason, the credit card vendor I have does not provide me with an affiliate link to the card. So I am left to wait for the 100k referral link to go live, sad! Anyway, rules to get the card can get a little confusing: Can You Get the Incredible Chase Sapphire Preferred 100,000 Point Offer? […]

  • I currently hold the Chase Sapphire Reserve with my wife as an authorized user. I know I am not qualified. Does anyone know if my wife would qualify?