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Chase Sapphire Reserve Card 100k Bonus Offer — Can You Still Get It? [2023]

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Jarrod West

Jarrod West

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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
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Kellie Jez

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Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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For over the last 3 years the Chase Sapphire Reserve® has been one of the most popular cards on the market. In fact, they even ran out of the metal used to make the card when it first launched!

The Chase Sapphire Reserve card offers exactly what most are looking for out of a premium rewards credit card — it offers great bonus categories, benefits, and travel protections. When the Chase Sapphire Reserve card first launched, it came with a massive bonus of 100k Ultimate Rewards points. But is it still possible to get that bonus now?

Benefits of the Chase Sapphire Reserve Card

You might be wondering, is the Chase Sapphire Reserve card a good fit for me? Let’s examine the card’s benefits before breaking down the welcome bonus options.

Chase Sapphire Reserve®

Chase Sapphire Reserve®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)

Chase Sapphire Reserve®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 points
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!


  • 10x points on car rentals, hotels, and dining booked via the Chase Ultimate Rewards portal
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
  • 5x points on airfare booked via the Chase Ultimate Rewards portal
  • 3x points on all other travel and dining purchases; 1x point on all other purchases
  • $300 annual travel credit
  • Priority Pass airport lounge access
  • TSA PreCheck, Global Entry, or NEXUS credit
  • Access to Chase Luxury Hotel and Resort Collection
  • Rental car elite status with National and Avis


  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

Key Benefits

  • Priority Pass Airport Lounge Access: Get free access to over 1,300 airport lounge worldwide.
  • DoorDash DashPass Subscription: DashPass members receive free food delivery and discounted service fees on select food delivery orders on the DoorDash app.
  • Instacart+ Subscription and Credit: Receive 1 free year of Instacart+, which offers free delivery and reduced service fees, along with a $15 monthly statement credit towards orders.
  • Primary Rental Car Coverage: Your rental car is covered in the case of theft or damage in the U.S. and most countries around the world.
  • 50% Point Bonus Through Chase Travel Portal: Your points are worth 1.5 cents apiece, instead of 1 cent, when redeemed through the Chase Ultimate Rewards travel portal.
  • 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, for a total of $500 in reimbursements.
  • Trip Delay Reimbursement: If you pay for your trip with the Chase Sapphire Reserve card and it is delayed for 6 or more hours, you’ll be eligible for reimbursement of up to $500 per ticket in reasonable expenses like lodging, meals, or personal items.
  • 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 in coverage per trip, $20,000 per occurrence, and $40,000 per year.
  • 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.
  • Rental Car Benefits: Cardholders get discounts on Avis and Audi on demand rentals, plus complimentary Emerald Club Executive status with National.

Can You Still Get the 100k Chase Sapphire Reserve Bonus Offer?

Image Credit: Nicole Glass Photography via Shutterstock

Naturally, you always want to get the best bonus offer on your new card, so here are a few tips to help get you there.

Increased Public Welcome Offer

To date, the highest-ever public welcome offer on the Chase Sapphire Reserve card was 100,000 Ultimate Rewards points. Unfortunately, the 100k offer has not been offered publicly from Chase since January of 2017. This doesn’t necessarily mean that they never will again, but it’s worth keeping an eye out to see if they ever run an increased offer!

Hot Tip: Currently, the Chase Sapphire Reserve card is running the following welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.

Utilizing CardMatch

CardMatch is an incredibly helpful tool that lets you check to see if you’re targeted for any special offers from any of the qualified partners — including major U.S. credit issuers like American Express, Chase, and Citibank.

To use the CardMatch tool, all you need to do is provide your full name, zip code, and the last 4 digits of your Social Security number. Afterward, CardMatch will provide you with any targeted or pre-qualified offers that you might be eligible for. Keep in mind that there’s no guarantee that you’ll see better offers than what is offered publicly, but in our opinion, you might as well double-check for a better offer before applying!

Bottom Line: CardMatch is free and easy to use, doesn’t require a hard credit pull, and is secured using 256-bit encryption, making it a great tool to check for the best credit card offers. For a step-by-step guide, explore our detailed guide to the CardMatch tool.

Targeted Mailings From Chase

If you wanted to be contacted directly whenever you’ve been targeted for an increased bonus offer, Chase makes that simply by allowing you to opt into target mailings. All you need to do is log into your account and click Profile, then Settings. Once there, select Marketing Preferences, and then make sure you’ve selected Yes to receive special offers from Chase — this includes credit card offers, banking offers, and any other special offers.

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

Chase’s 5/24 Rule

The Chase Sapphire Reserve card, like most credit cards from Chase, is subject to the 5/24 rule. This rule limits any new applicants from being approved for the card if they have opened 5 or more new credit card accounts in the last 24 months.

This restriction largely applies to personal credit cards, meaning most business credit cards, car loans, personal loans, etc., do not count towards the limit.

So even if you happen to find a higher bonus offer for the Chase Sapphire Reserve, you won’t be eligible for the card if you’re over the 5/24 limit.

The Current Public Offer Is Not an Increased Offer

As mentioned before, the biggest bonus ever offered on the Chase Sapphire Reserve card was the 100k offer that ended in January of 2017, which just so happened to be a public welcome offer.

You’re probably aware that increased public offers from Chase can come and go throughout the year, so this is something to keep in mind when deciding when to apply for a card. Don’t forget, you can always check periodically to see if you have a targeted offer from the CardMatch tool.

Low Credit

No surprises here, but if you currently have a low credit score, it is unlikely that you will be approved for the Chase Sapphire Reserve card.

If this happens to be your case then you should first focus on improving your credit score before you worry about how to track down higher bonus offers.

You’ve Opted out of Marketing Offers

Chase cannot send you marketing offers if you do not opt-in to receive them — this means they likely will have no way of notifying you that you’ve been selected for a certain bonus opportunity! So if you want to make sure that you get any and all targeted offers mailed straight to you, you have to opt-in!

Final Thoughts

It’s not hard to see why the Chase Sapphire Reserve card is one of the best travel rewards cards available. The card is packed full of travel benefits and offers the ability to earn some of the most valuable travel points — Chase Ultimate Rewards points.

Obviously, if you’re in the market to add the Chase Sapphire Reserve card to your wallet, you’re going to want to do everything you can to get the best bonus possible! Then you can start redeeming your Ultimate Rewards points for incredible travel experiences!

Frequently Asked Questions

Does the 5/24 rule apply to the Chase Sapphire Reserve card?

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

Is the Chase Sapphire Reserve card worth it?

If you travel often enough to take advantage of the plethora of travel perks like the $300 travel credit, lounge access, and insurance protections, then yes — the card is definitely worth it!

Do Chase Ultimate Rewards points expire?

No, your Chase points never expire as long as your account remains open.

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.


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