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[Expired] 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
[Expired] Chase Just Increased the Minimum Spend Requirement on the Sapphire Reserve Card
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Update:The offer mentioned below has expired and is no longer available.

The Chase Sapphire Reserve® is the issuer’s premier rewards credit card. With a $795 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®
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 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.
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
$2,000
$795
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.

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

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.

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
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 fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Chase Sapphire Preferred® Card
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
75,000 points
$1,500
$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 75,000 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 TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase TravelSM
  • 10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • 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.
  • 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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