In the event you’ve been excited about making use of for the Chase Sapphire Most well-liked® Card (see charges and costs) — and even when you have not, you will wish to hear this — now could be the very best time to take action.
That is as a result of that is your final probability to earn a limited-time bonus of 100,000 Final Rewards factors after spending $5,000 on purchases within the first three months of account opening, since this supply ends on Might 15 at 9 a.m. EDT.
TPG’s Might 2025 valuations peg Chase Final Rewards factors at 2.05 cents every, which implies this bonus is price a whopping $2,050. This matches the welcome supply we final noticed on this card over three years in the past.
Final probability: Earn 100,000 bonus factors with the Chase Sapphire Most well-liked for a restricted time. This supply ends on Might 15.
Earlier than you apply, although, you need to be sure to’re eligible for this supply. Here is a fast rundown of the eligibility necessities and restrictions for the Chase Sapphire Most well-liked welcome bonus.
Am I eligible for Chase Sapphire Most well-liked bonus?
That is what Chase states on its web site concerning Chase Sapphire Most well-liked bonus guidelines and eligibility:
The product will not be obtainable to both (i) present cardmembers of any Sapphire bank card, or (ii) earlier cardmembers of any Sapphire bank card who acquired a brand new cardmember bonus inside the final 48 months.
That implies that you are within the clear to use for the cardboard and obtain the welcome bonus should you’ve by no means held the Chase Sapphire Most well-liked or Chase Sapphire Reserve® (see charges and costs).
Nevertheless, issues get a bit of extra difficult should you at the moment have the Sapphire Most well-liked or Reserve — or should you’ve had one up to now.
Chase has a 48-month rule for purchasers to obtain new cardmember bonuses inside the Chase Sapphire card household.
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So, should you’ve earned a Chase Sapphire Most well-liked or Sapphire Reserve welcome bonus up to now 4 years, you are out of luck to earn this bonus. And remember that the 48-month rule applies to once you acquired the bonus, not once you utilized for the cardboard.
Moreover, you may solely have one Sapphire bank card open at a time. Meaning those that are present cardholders of the Chase Sapphire Most well-liked, Chase Sapphire Reserve or the no-annual-fee Chase Sapphire Card (not open to new purposes) can’t apply for this card or obtain the bonus.
The data for the Chase Sapphire has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: What credit score rating do it’s worthwhile to get the Chase Sapphire Most well-liked card?
Chase’s 5/24 rule
One thing else to contemplate when excited about whether or not to use for the Sapphire Most well-liked is Chase’s 5/24 rule.
Even should you meet the above necessities, Chase Sapphire Most well-liked bonus guidelines require you to nonetheless fall beneath Chase’s notorious — although unpublished — 5/24 rule.
In the event you’ve opened 5 or extra new private bank card accounts (together with approved consumer accounts and some enterprise accounts) throughout all issuers up to now two years, Chase is nearly definitely going to disclaim your software.
You may strive calling Chase to see in the event that they’re keen to not maintain approved consumer accounts towards your most of 5 new accounts within the final two years should you get denied for a brand new Chase card; nevertheless, word that this does not imply you will get an computerized approval.
Associated: Find out how to calculate your 5/24 standing
Shifting credit score strains
There’s one remaining word concerning Sapphire Most well-liked purposes. In the event you at the moment have a number of Chase bank cards with massive credit score limits, there’s an opportunity you’ve got hit the utmost (whole) sum of money that the issuer is keen to mortgage you.
If this occurs, you probably will not be rejected for the cardboard once you apply. As an alternative, your software will go into “pending” standing.
You would anticipate Chase to decide, however you could be higher off calling the reconsideration line. You would proactively supply to maneuver credit score strains from an current card to the Sapphire Most well-liked, which might help the agent push your software by way of.
Backside line
The present Chase Sapphire Most well-liked limited-time welcome bonus of 100,000 Chase Final Rewards may be very beneficial, so those that are eligible ought to think about making use of, particularly since that is your final probability to earn it. This supply ends on Might 15.
In the event you’ve had your eye on the Sapphire Reserve, you could possibly apply for the Sapphire Most well-liked now to earn the upper welcome bonus. Then you could possibly request to improve to the Sapphire Reserve after a yr to entry elevated journey perks.
To study extra, learn our full evaluation of the Chase Sapphire Most well-liked.
Apply right here: Chase Sapphire Most well-liked Card – 100,000 Final Rewards factors after spending $5,000 on purchases within the first three months of account opening
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