Last Chance: Chase Sapphire Preferred’s Highest Ever 100K Welcome Offer

One of the best welcome offers we’ve seen in 2026 is set to end in less than a week.

Right now, the Chase Sapphire Preferred^® Card features an elevated 100,000-point welcome bonus offer. This is the best bonus offer we’ve ever seen for this popular travel card.

We suspected this bonus offer wouldn’t last very long. Now, we have official confirmation that this welcome offer ends on Thursday, July 30, 2026, at 9 a.m. Eastern. Here’s what you need to know if you’re thinking of applying.

Chase Sapphire Preferred Card’s 100K Bonus Offer

In June 2026, Chase launched the highest bonus offer we’ve ever seen for the Chase Sapphire Preferred card.

LAST CHANCE

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

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 fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

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Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 75,000 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Offer ends at 9 AM EST on 7/30/2026.

75,000 100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

19.24% - 27.49% 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 card application.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, gas, EV charging, vacation homes, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance and emergency evacuation. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation homes (such as Airbnb and Vrbo), and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

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Card Highlights

• Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
• Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck^® or NEXUS application.
• Transfer points to leading airline and hotel loyalty programs
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

In the past, we’ve seen welcome offers ranging from 60,000 to 80,000 Ultimate Rewards points, so the ability to earn 100,000 bonus points in a single application is a huge increase.

To earn the 100,000 points, you’ll need to spend at least $5,000 within the first 3 months of account opening, and you can expect your bonus points to post to your account within 1 to 2 billing cycles after meeting the minimum spending threshold.

Based on our latest valuations, 100,000 Ultimate Rewards points are worth $2,000 as it’s possible to boost the value of each point when you utilize Chase’s impressive roster of airline and hotel transfer partners to book incredible travel experiences.

If you’ve been considering applying for a new Chase Sapphire Preferred card, you have about a week to do so before the limited-time welcome offer goes away on July 30, 2026, at 9 a.m. Eastern.

Take Note of Chase’s New Eligibility Requirements

Before you apply, there are some eligibility requirements to consider.

Cardholders are now allowed to earn a welcome offer only once per lifetime on each specific Sapphire card. This means that if you’ve earned a Chase Sapphire Preferred card welcome bonus offer in the past, you most likely wouldn’t be eligible to earn this 100,000-point bonus offer.

However, this has led to another interesting situation that’s actually made it possible for more applicants to hold multiple Sapphire products. If you skipped right over the Chase Sapphire Preferred card and went right for a Chase Sapphire Reserve^® or Sapphire Reserve for Business℠ card, you could now be eligible to apply for the card and earn its 100,000-point welcome offer — something that wasn’t previously possible under Chase’s older eligibility rules.

Another thing to keep in mind before you apply is Chase’s 5/24 rule. This states that you must have opened fewer than 5 credit cards from any issuer in the past 24 months to qualify for any new Chase product.

Finally, you’ll want to have good to excellent credit for your best chances at approval.

Is It Worth It?

Where the Chase Sapphire Preferred card really shines is in the long-term value it offers cardholders. It delivers a very respectable earning structure coupled with meaningful perks and benefits, all for a very reasonable $95 annual fee.

While a product like the Capital One Venture Rewards Credit Card can compete on annual fee (it costs the same $95 per year), it offers a significantly smaller welcome bonus and less robust combination of earning structure, perks, and benefits.

On the other end, there’s the American Express^® Gold Card, which can match or exceed the Chase Sapphire Preferred card in terms of its earning structure, but its $325 is more than 3 times higher (rates & fees).

The Chase Sapphire Preferred card is a Goldilocks solution that provides ways to earn Ultimate Rewards points quickly at a cost that won’t break the bank.

Final Thoughts

The 100,000-point welcome offer for the Chase Sapphire Preferred card officially ends on July 30, 2026, at 9 a.m. Eastern, and there’s no telling if it will ever come back. If you’ve been on the fence about applying, and you think you’d qualify under Chase’s new eligibility requirements, it’s worth giving it a shot before it’s too late.