The Sapphire Reserve earns 100,000 points after $6,000 of spend in 3 months. The annual fee is $795 and is not waived, so weigh it against the credits you will actually use. Two rules govern eligibility: you must be under 5/24, and 48+ months past your last Sapphire bonus.
Eligibility
Available nationwide
No state restrictions on this offer.
Hard credit inquiry
Applying posts a hard pull to your credit report.
The 48-month Sapphire rule
One Sapphire bonus per 48 months, counted from when the last bonus was received.
The 5/24 rule
Five or more cards opened across all issuers in 24 months → automatic Chase denial.
How to get this bonus
- Confirm you're under 5/24 and 48+ months from your last Sapphire bonus (Preferred or Reserve).
- Apply on chase.com; the $795 annual fee posts on approval.
- Spend $6,000 in 3 months; points post with the qualifying statement.
The fine print that matters
- Chase 5/24: five or more new cards across all issuers in 24 months usually means an automatic denial.
- One Sapphire bonus per 48 months, across Preferred and Reserve.
- Points are Ultimate Rewards: their worth depends on how you redeem. This site publishes no cents-per-point valuation.
- Verify the live figure at application. Chase welcome offers move without a published end date.
Verification and reports
Checked against chase.com today. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Sources: chase.com Sapphire Reserve (checked Jul 17, 2026)
Other Chase offers, so you can compare
Chase Sapphire Preferred75,000 points
$5,000 in purchases within first 3 months of account opening
Chase Total Checking$400
$1,000 in direct deposits, 90 days
Chase Freedom Unlimited$200
$500 in purchases within first 3 months of account opening
Chase Ink Business Unlimited$1,000
$8,000 spend in 4 months