{"slug":"chase-sapphire-preferred-100k","category":"card","institutionSlug":"chase","product":"Sapphire Preferred","title":"Chase Sapphire Preferred — 100,000-point bonus","bonus":"100k pts","unit":"points","amount":100000,"reqShort":"$5,000 spend in 3 months","expiresOn":null,"status":"live","verifiedOn":"2026-07-07","reports":2,"openIssues":0,"states":null,"referralGated":false,"hardPull":true,"chex":null,"fee":"$95 annual fee","keep":"First-year cancellations risk clawback; keep 12 months","posts":"With the statement after the spend threshold","applyDomain":"chase.com","applyUrl":"https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred","summary":"The Sapphire Preferred at 100,000 points matches its all-time high — the offer that defines a generation of this hobby, back at full strength on a $95 fee. $5,000 of spend in 3 months. Two rules govern eligibility: you must be under 5/24, and 48+ months past your last Sapphire bonus. Chase hasn't published an end date; historically these windows run weeks, not months.","reqSteps":["Confirm you're under 5/24 and 48+ months from your last Sapphire bonus (counted from bonus receipt).","If you hold a Sapphire now, downgrade to a Freedom product and wait a few days before applying.","Apply; spend $5,000 in 3 months; points post with the qualifying statement."],"finePrint":["No published end date — treat the window as fragile and verify before relying on it.","One Sapphire bonus per 48 months, across Preferred and Reserve.","Points are Ultimate Rewards: their worth depends entirely on how you redeem — this site publishes no cents-per-point valuation."],"memberReports":[{"topic":"Offer level","text":"100k/$5,000/3mo confirmed across WalletHub (updated 7/7/26) and US News. The redesigned Reserve simultaneously offers 100k on $6,000 spend at a much higher fee."},{"topic":"5/24 enforcement","text":"Automatic denials at exactly 5/24 continue in public reports; no recon overrides reported this year."}],"history":[{"when":"Jul 2026","amount":"100k","note":"matches all-time high"},{"when":"2024–2025","amount":"60k–75k","note":"standard range"},{"when":"2021","amount":"100k","note":"previous record window"}],"ruleIds":["five-24","sapphire-48"],"sources":[{"label":"chase.com Sapphire Preferred","url":"https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred","checkedOn":"2026-07-07"},{"label":"WalletHub signup bonuses","url":"https://wallethub.com/best-credit-card-signup-bonus","checkedOn":"2026-07-07"}],"needsVerification":true}