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Chase Just Increased the Minimum Spend Requirement on the Sapphire Reserve Card

Stella Shon's image
Stella Shon
Updated: 
Edited by: Ryan Smith
& Jestan Mendame
Chase Just Increased the Minimum Spend Requirement on the Sapphire Reserve Card
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The Chase Sapphire Reserve® is the issuer’s premier rewards credit card. With a $550 annual fee, it comes with the most expansive travel and lifestyle perks — from lounge access to travel statement credits (rates & fees).

However, Chase has quietly updated the terms of its welcome bonus offer for new applicants — and it’s not exactly good news. The minimum spending requirement has increased by 25%.

Here’s what you need to know.

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Same Bonus Points, Higher Spend

With the Chase Sapphire Reserve card, eligible applicants can earn 60,000 bonus points after spending $5,000 in the first 3 months of account opening. That’s a $1,000 increase in the minimum spend requirement without any boost to the bonus points or extension of the introductory period. Previously, you could earn the same stash of points by spending $4,000 on purchases in 3 months.

Chase Sapphire Reserve®Terms Apply / Rates & Fees
Chase Sapphire Reserve®
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
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 3x points on travel and dining while offering top luxury perks.

Apply Now(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 $5,000 on purchases in the first 3 months from account opening.
60,000 points
$1,200
$550
20.24% - 28.74% Variable
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 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!

Pros & Cons
Pros
  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 5x points on airfare booked through Chase TravelSM
  • 3x points on all other travel and dining purchases; 1x point on all other purchases
Cons
  • $550 annual fee
  • Does not offer any hotel elite status
Read Full Review
Card Highlights
  • Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • $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 Travel℠ 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 Travel℠. 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 $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
  • Member FDIC
Financial Snapshot
  • APR: 20.24% - 28.74% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

This marks a notable 25% hike in the spending requirement, but what really stands out is that Chase has simultaneously brought back its best-ever welcome bonus for the Chase Sapphire Preferred® Card. Right now, you can earn 100,000 bonus points after spending $5,000 within the first 3 months of account opening.

LIMITED-TIME OFFER
Chase Sapphire Preferred® CardTerms Apply / Rates & Fees
Chase Sapphire Preferred® Card
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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.

Apply Now(at Chase's secure site)
Chase Sapphire Preferred® Card
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
100,000 points
$2,000
$95
19.99% - 28.24% Variable
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.
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, 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. 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, 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
Read Full Review
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, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • Member FDIC
Financial Snapshot
  • APR: 19.99% - 28.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

» Related: Chase Sapphire Reserve’s Welcome Bonus Offer History [Since 2017]

Chase Sapphire Reserve Card vs. Chase Sapphire Preferred Card

The Chase Sapphire Preferred card is still a great travel credit card for most people. With a down-to-earth $95 annual fee, the card is still a powerful earner with 5x points on Chase Travel purchases, 3x points on dining, select streaming services, and online groceries, 2x points on all other travel purchases, and 1x points on all non-bonus purchases.

Although the Chase Sapphire Preferred card doesn’t have a $300 annual travel credit or lounge access, you can still get those perks with the Chase Sapphire Reserve card later on. A year after opening your Chase Sapphire Preferred card account, you can request an upgrade to the Chase Sapphire Reserve card.

While a product change won’t make you eligible for a new welcome offer, those who qualify for the Chase Sapphire Preferred card can currently earn a 100,000-point welcome bonus offer — significantly higher than what’s being offered for the Chase Sapphire Reserve card. And here’s the kicker: both cards have the same $5,000 spending requirement within 3 months. Then, if you decide you want more perks later on, you can request an upgrade to enjoy them with the Chase Sapphire Reserve card.

Hot Tip:

The 100,000-point welcome bonus on the Chase Sapphire Preferred has finally returned. Although the minimum spending requirement has increased from $4,000 to $5,000, this top-tier offer hasn’t been available in 4 years. Check out all of the Chase Sapphire Preferred card welcome offers since 2020.

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Final Thoughts

Welcome bonus offers are usually your one-time opportunity to rake in a ton of points, so you want to make sure you meet the spending requirements and terms. With the Chase Sapphire Reserve card, new applicants will have to fork over more money than ever before — and do so for the same number of points.

Featured Image Credit: Upgraded Points
Stella Shon's image

About Stella Shon

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in The New York Times, USA Today, and more.

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