How To Get Approved for Chase Sapphire Preferred’s 100K Bonus Offer

The Chase Sapphire Preferred^® Card is back with its record-high 100,000-point welcome offer — and you may wonder if you qualify for it. Within the last year, Chase has made major changes to the bonus offer eligibility rules.

If you’ve been sitting on the sidelines waiting for the right moment to apply, this could be it. Here’s exactly how to apply, step by step, and how to check whether you’re eligible for these bonus points.

Chase Sapphire Preferred Card’s 100K Welcome Offer

The Chase Sapphire Preferred card is offering 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

That’s the highest bonus offer the card has ever offered. Even better, $5,000 spending requirement isn’t any higher than the spending requirement for the card’s previous offer — which was 75,000 bonus points — so applicants can now earn 25,000 extra points for the same amount of spending.

100,000 Chase Ultimate Rewards points is a significant amount of Ultimate Rewards points. They’re worth at least $1,250 toward travel when redeemed through Chase Travel.

However, 100,000 points are worth much more when transferred to airline and hotel partners. At Upgraded Points, we value Ultimate Rewards points at 2 cents each. That makes 100,000 points worth $2,000 for travel.

Chase Sapphire Preferred Card Eligibility Rules in 2026

Chase updated its eligibility rules for the Sapphire family of cards within the last year, and the changes cut both ways.

The most important rule is that you can only earn a welcome bonus offer on each Sapphire card once per lifetime. If you’ve previously earned a welcome offer on the Chase Sapphire Preferred card, you won’t be eligible for this 100,000-point offer — even if it’s been years since you had the card.

However, the changes could potentially open the door for more people. Previously, holding the Chase Sapphire Reserve^® or the Sapphire Reserve for Business℠ would have blocked you from applying for the Chase Sapphire Preferred card. Under the updated rules, if you hold either of those cards but have never earned a Chase Sapphire Preferred card welcome offer, you may now be eligible to apply and earn the bonus offer. That’s a meaningful shift from how things worked before.

Beyond Sapphire-specific rules, you’ll also need to satisfy Chase’s broader credit card requirements. The most notable: You’ll want to be under Chase’s 5/24 threshold, meaning you’ve opened fewer than 5 new credit card accounts across all issuers in the past 24 months. And as with any travel rewards card, good to excellent credit gives you the best shot at approval.

How To Apply for the Chase Sapphire Preferred Card

LIMITED-TIME OFFER

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.

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.

Welcome Offer

Earn 75,000 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

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

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, 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

The application itself is straightforward. You’ll work through several sections:

• Personal details: Your full name, date of birth, mother’s maiden name, and Social Security number.
• Home address: You can select domestic or international and enter your street address, city, state, and ZIP.
• Employment and income: Your employment status and total annual income from all sources.
• Authorized user: You can add an authorized user at this stage if you want someone else to have access to the account.

Once all sections are complete, you’ll review and accept the application terms before submitting.

Before the hard credit check is processed, Chase will inform those who are not eligible for the 100,000-point welcome offer. If you come across this notice, you can exit the application without any credit score impact.

If you don’t come across any sort of message — then you should be in the clear to qualify for the welcome offer.

After you submit, Chase may approve you instantly or take a few days to review. If you don’t hear back right away, you can call the Chase reconsideration line to speak with a representative about your application.

Final Thoughts

The limited-time welcome offer on the Chase Sapphire Preferred card is worth jumping on if you’re eligible and haven’t earned a welcome bonus offer on the card before.

The updated eligibility rules no longer exclude people who were locked out under the previous “1 Sapphire card” rule, though the rules lock out those who’ve already earned a bonus offer on this card.

If you meet the 5/24 threshold and can meet the spending requirement for the welcome bonus offer, the application process is fast and largely painless — and the rewards on the other side are hard to beat.