How To Get the Chase Sapphire Preferred 80k-100k Bonus [2023]

The Chase Sapphire Preferred® Card is easily one of the most popular travel rewards cards available thanks to its bonus categories, benefits, welcome offer, and the fact that it earns Chase Ultimate Rewards points.

Like most credit cards, the welcome offer for the Chase Sapphire Preferred card can vary. So, if you’re hoping to get the biggest bonus possible, here are a few ways to help increase your chances.

Table of contents

Benefits of the Chase Sapphire Preferred Card
How To Find a Larger Chase Sapphire Preferred Bonus Offer
Reasons You May Not Be Able To Get a Higher Welcome Offer
Final Thoughts

Table of Contents

Benefits of the Chase Sapphire Preferred Card
How To Find a Larger Chase Sapphire Preferred Bonus Offer
Reasons You May Not Be Able To Get a Higher Welcome Offer
Final Thoughts

Benefits of the Chase Sapphire Preferred Card

Before we dive into how you can get the highest bonus possible on the Chase Sapphire Preferred card, let’s take a look at some of the card’s best benefits to see if it is a good fit for you.

Bonus Points Categories

5x points on travel purchased through Chase Ultimate Rewards
5x points on select Peloton purchases over $250 (through March 31, 2025)
5x points Lyft (through March 31, 2025)
3x points on online grocery purchases
3x points on dining at restaurants, including eligible delivery services and takeout.
3x points on select streaming services
2x points on all other travel purchases
1x points on all other purchases

Other Key Benefits

Primary Rental Car Coverage — Your rental car is covered for theft and damage in the U.S. and most countries around the world.
Annual Hotel Credit — Receive an annual statement credit of up to $50 towards a hotel stay purchased through the Chase Ultimate Rewards portal.
Annual Bonus Points — Receive a 10% bonus on your annual spend on your card as bonus points on your account anniversary (i.e. spend $30,000 and receive 3,000 bonus points).
Trip Cancellation/Interruption Insurance — If you need to cancel or cut a trip short due to covered issues (like severe weather or an illness), you’re eligible for up to $10,000 of coverage for prepaid, nonrefundable travel expenses.
Baggage Delay Insurance — If your checked baggage is delayed more than 6 hours, you’ll receive $100 in reimbursements for essential items per day for up to 5 days.
Purchase Protection — Your new purchases are covered for up to 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
Extended Warranty Protection — The time period of a U.S. manufacturer’s warranty is extended by an additional year.
Trip Delay Reimbursement — If you pay for your trip with the Chase Sapphire Preferred card and it is delayed for 12 or more hours, or long enough to require an overnight stay, you’ll be eligible for reimbursement of up to $500 per ticket in reasonable expenses.
25% Point Bonus Through Chase Travel Portal — Your points are worth 1.25 cents apiece, instead of 1 cent, when redeemed through the Chase Ultimate Rewards travel portal.

How To Find a Larger Chase Sapphire Preferred Bonus Offer

Where will you travel with your Chase Sapphire Preferred card? Renaissance Pattaya Resort Spa. Image Credit: Marriott

While the standard offer on the Chase Sapphire Preferred card is usually pretty solid, you’ll always want to make sure you’re getting the best offer possible. Here are a few ways to try and track down a higher offer.

Increased Public Welcome Offer — Easiest Way

Naturally, one of the best ways to track down a higher welcome offer is by not having to track it down at all! Occasionally, Chase will offer an increased welcome offer available to everyone for a limited time.

Ultimate Rewards points are worth more when redeemed through the Ultimate Rewards travel portal, or even more when transferred to one of Chase’s airline or hotel transfer partners.

Utilizing CardMatch

CardMatch, a tool that allows users to check for targeted offers from banking partners. Many of the larger U.S. banks, like Chase and American Express, publish these targeted offers to CardMatch and then reveal those offers to users when they use the CardMatch tool.

If you’re wanting to make sure that you’re prequalified for a card before you apply, CardMatch offers that as well. While being pre-approved does not guarantee approval, the likelihood of approval will improve significantly compared to someone who applies for the card through its website. Just be aware that there’s no guarantee that you’ll see better offers than what is offered publicly, but in our opinion, it’s worth checking out, especially as it’s free and your credit doesn’t get pulled.

Here is the information that you need to provide CardMatch with in order to use the tool to see your offers:

Full name
Address
Last 4 digits of your Social Security number

While you may have hesitations on inserting the last 4 digits of your Social Security number, the entire website is secured using 256-bit encryption, and it is a PCI Level 1 Compliant organization — the same level of security offered from a bank.

Furthermore, when you insert these details into CardMatch, you will not receive a hard pull to your credit report. This information is only used to match you with any targeted offers you are eligible for.

Targeted Mailings From Chase

Another great option to increase your odds of receiving a higher offer is by opting into targeted mailings from Chase. Luckily, the process of doing so is pretty simple.

First, log into your account and click over to your Profile, then Settings. Once there, select Marketing Preferences, and then make sure you’ve selected Yes to receive special offers from Chase, which includes credit card offers!

Chase marketing prefrences — Opt into Chase offers to increase your odds of an increased welcome bonus! Image Credit: Chase

Reasons You May Not Be Able To Get a Higher Welcome Offer

Chase’s 5/24 Rule

The Chase Sapphire Preferred card is subject to the Chase 5/24 rule. If you’re not familiar, the 5/24 rules limit new applicants from opening certain cards with Chase if they have previously opened 5 or more new credit cards in the last 24 months.

Keep in mind that this mostly applies to new personal credit cards, as many business credit cards, personal loans, auto loans, etc., are not counted towards your 5/24 total.

So, if you’ve opened 5 or more new accounts over the past 2 years, you will not be approved for the Chase Sapphire Preferred card — even if you track down a higher welcome offer.

Low Credit

This reason likely needs no explanation, but if you currently have a low credit score, this will significantly decrease your odds of getting approved for the Chase Sapphire Preferred card — regardless of how large of a welcome offer you’re applying for.

If you were recently denied for the Chase Sapphire Preferred card, or think you would be denied if you applied, then your main priority should be to improve your credit score.

You’ve Opted Out of Marketing Offers

This one is very easy to overlook as Chase cannot send you marketing offers if you do not opt-in to receive them. If you want to limit the amount of snail mail you receive then you’re better off avoiding this, but if you want targeted offers mailed straight to you, then you have to opt-in!

Final Thoughts

Overall, the Chase Sapphire Preferred card is an excellent travel credit card, especially for beginners and those new to points and miles.

So, if you’re considering adding the Chase Sapphire Preferred card to your wallet, be sure to do some research so that you can make sure you’re getting the best offer possible. Once you’ve earned the bonus, then comes the fun part of deciding how to redeem your Chase Ultimate Rewards points!

Featured Image Credit: Upgraded Points

Frequently asked questions

How much are Chase Ultimate Rewards points worth?

The value of the points you earn with your card can vary based on how you use them. If you are booking travel through the Chase travel portal, you will get 1.25 cents per point in value. However, if you transfer them to hotel or airline partners, they can be worth much more!

Is the Chase Sapphire Preferred card subject to the 5/24 rule?

Yes, the Chase Sapphire Preferred card is subject to the 5/24 rule. So if you have opened 5 or more new cards in the last 24 months, you will not be approved for the card.

Is the Chase Sapphire Preferred card worth it?

It depends! For most people it absolutely is. You should consider all of the benefits you’re receiving from the card and see if those outweigh the $95 annual fee. If so, then the card is most likely worth it for you!

Do Chase Ultimate Rewards points expire?

Your Chase Ultimate Rewards points will never expire as long as your account remains active.

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About Jarrod West

Jarrod has been writing about the ins and outs of credit cards and loyalty programs, along with airlines and hotels, for over 6 years. He is regularly called upon to share his expertise on the latest news within the space, and has been featured in publications such as Matador Network, The New York Times, RetailMeNot, and Yahoo! Finance. Jarrod has over 20 credit cards in his wallet and has tested out dozens more in order to vet the very best card options for readers. As he is constantly sampling new cards, Jarrod also earns (and redeems) over 1 million points and miles each year. This allows him to book luxury travel experiences the world over, and save tens of thousands of dollars in the process.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

27 comments

JOHN GIBBS June 7, 2021

Will Chase count recurring automatic payments, like mortgage, health insurance, etc., as regular purchases towards the bonus offer?

Reply
- Jarrod West June 7, 2021
  
  Hi John,
  
  Yes, recurring purchases will count towards the minimum spend requirement for the bonus offer.
  
  Reply
Victoria June 15, 2021

I’ve been wanting to refer someone for this card as I already have it. However, my referral code is only reflecting an 80k bonus for them. Is it normal to get less bonus points if you go through a referral or should it be the same 100k? This is my first time trying to refer someone. Thanks!

Reply
- Jarrod West June 15, 2021
  
  Hi Victoria,
  
  Sometimes it takes Chase a bit to update the personal referrals to match the public ones on their website. I cannot say when exactly they will update this, but I’m sure that they will at some point.
  
  Reply
  - Cherish June 16, 2021
    
    Hello,
    
    So if I use a referral from a friend and it says 80k bonus points, will I, in fact, receive 80k points, or will I receive the full 100k?
    
    Thank you
    
    Reply
    - Jarrod West June 16, 2021
      
      Hi Cherish,
      
      If the referral from your friends says 80k points then that is what you will receive. If you want the 100k point bonus then that is what needs to be stated on the landing page you’re applying from.
      
      Reply
Adi June 19, 2021

I applied for 80k card and was disappointed to learn that the offer was increased to 100k just a week later. Am I screwed or is there a way to get the higher bonus?

Is there a way to check if you qualify for 5/24 rule before applying?

Thank you.

Reply
- Jarrod West June 21, 2021
  
  Hi Adi,
  
  You can try sending a secure message to Chase to see if they will match you to the higher welcome offer. As far as checking your 5/24 count, using Credit Karam is a great option as it will show you all of your account open dates.
  
  Reply
  - nayadet diaz May 17, 2022
    
    They don’t match you based on the 5/24 rule, I tried and I am eligible. They offered me the credit card for 60K reward points and 3 weeks later increased to 80K and didn’t want to match. Regardless that I have been a customer for Chase for over 20 years – worst experience ever, I’m very disappointed. As soon as they credit the points I will cancel the card.
    
    Reply
- Joan Farwell July 30, 2021
  
  I have the same situation. I called Chase customer service weeks ago and was told I would receive the 100,000 points once I spend 4,000 within 3 months. Wrong! My account reflects 80,000 points will be coming. Called Chase today and was told No, I will not get the 100,000. That Bonus started June 3rd and I applied May 30th. Naturally, there’s no “record” of my prior call to Chase before I spent the $4,000 assuring me I would receive the 100,000 points. Shame on Chase!
  
  Reply
Cody June 24, 2021

I signed up for the Reserve and got the bonus 5 years ago. If I cancel it and am approved for the Preferred, will I be eligible for the bonus? If not, how long do I have to wait until I am eligible for the bonus?

Reply
- Jarrod West June 25, 2021
  
  Hi Cody,
  
  Yes, you would be eligible for the bonus on the Preferred. You do not necessarily need to cancel your Reserve card though. Instead, you could downgrade it to the Chase Freedom Flex or Chase Freedom Unlimited card, which will preserve your card’s credit history.
  
  Reply
  - Caroline March 25, 2022
    
    She actually wouldn’t be eligible for another sapphire bonus. She has to wait 48 months.
    
    Reply
    - Jarrod West March 25, 2022
      
      Hi Caroline,
      
      You are required to wait 48 months from when you last received the bonus. Since Cody opened the card and received the bonus over 5 years ago, which is more than 48 months ago, then they are eligible for another Sapphire bonus.
      
      Reply
Becky June 30, 2021

I was approved but won’t get my card for a couple of days. My online chase account shoes I have the card. But… It doesn’t mention my signup bonus. Where do I find that or will it show up later? Should I call right away it wait until the card arrives?

Reply
- Jarrod West June 30, 2021
  
  Hi Becky,
  
  The welcome bonus usually posts on the next statement after you have met the minimum spending requirement.
  
  Reply
  - Wayne July 11, 2021
    
    When does the offer expire?
    
    Reply
    - Jarrod West July 13, 2021
      
      Hi Wayne,
      
      At this time, we are not sure how long the offer will last.
      
      Reply
Samuel Russell July 13, 2021

I have spent over $4k on the card already but no bonus is showing up. Do I have to carry the balance on my statement to earn the reward? Or can I pay off the balance before the due date and still get the rewards?

Reply
- Jarrod West July 13, 2021
  
  Hi Samuel,
  
  Yes, you can pay the balance off before the due date and get rewards. The bonus will usually post the statement after you complete the minimum spend requirement, so if you recently completed it just give it a couple of weeks and it will post to your account.
  
  Reply
Torii July 14, 2021

Any thoughts on how long this offer will last?

Reply
- Jarrod West July 14, 2021
  
  Hi Torii,
  
  At this point, we have not received any word as to how long the offer will be available. But if you’re interested in it then I would definitely jump on it as soon as possible.
  
  Reply
GL Alvarez January 25, 2022

Actually, corrections Cody to one of your responses. If you have a CSR and downgraded to CSP, you would not get the current bonus! To get the bonus you would need to close your CSR/CSP account and apply for a new Reserve or Preferred card (assuming you didn’t get the bonus rewards in the last 48 months from the time your bonus was awarded to you) and still under 5/24.

Reply
Kathy February 15, 2022

I have a Chase Sapphire card. I tried last year to get the Preferred card but they said I couldn’t since I have a Sapphire card already. Do you think if I just applied that it might go through? or should I call again?

Reply
- Jarrod West February 16, 2022
  
  Hi Kathy,
  
  Do you have the no annual fee Chase Sapphire card? If so, you could cancel that card and then apply for the Chase Sapphire Preferred card. Alternatively, you could call and ask to upgrade to the Chase Sapphire Preferred card, but if you upgrade you will not be eligible for the 60,000 point welcome bonus unfortunately.
  
  Reply
Lynda December 2, 2022

Is the 100,000 points promo still available for the chase sapphire card? If so how do I find it?

Reply
- Jarrod West December 5, 2022
  
  Hi Lynda,
  
  The 100,000 point bonus is not available at the moment. The current welcome offer for the Chase Sapphire Preferred card is 60,000 points.
  
  Reply

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How To Find the 80k or 100k Bonus Offer for the Chase Sapphire Preferred Card [2023]