Chase Sapphire Reserve Card 100k Bonus Offer — Can You Still Get It? [2025]

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?

Thanks to its latest revamp, it’s much more in reach than you might think!

Card Benefits Summary

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^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 points on travel and dining while offering top luxury perks.

Chase Sapphire Reserve^®

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

Welcome Offer

Earn 100,000 bonus points + $500 Chase Travel promo credit after you spend $5,000 on purchases in the first 3 months from account opening. Get more than $2,700 in annual value with Sapphire Reserve.

100,000 points + $500 Chase Travel credit

UP's Offer Valuation*:

$2,000

Annual Fee

$795

APR

20.24% - 28.74% Variable

Credit Recommended

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

Why We Like This Card

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

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

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 20.24% - 28.74% Variable
• Foreign Transaction Fees: None

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.
• 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.
• More Value Through Chase Travel Portal: Your points can be redeemed for up to 2x on select flights and hotels, via Points Boost, through the Chase 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 plus complimentary Emerald Club Executive status with National.

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

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. Always check to see what the current offer might be — you might be surprised!

Hot Tip: Currently, the Chase Sapphire Reserve card is running the following welcome offer: Earn 100,000 bonus points + $500 Chase Travel promo credit after you spend $5,000 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 Access 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!