The Chase Sapphire Reserve® (see rates and fees) has rolled out its best-ever welcome bonus: Earn 150,000 bonus points after spending $6,000 on purchases in the first three months of account opening.
With an offer worth $3,075 in travel (per TPG’s May 2026 valuations), you won’t want to miss out. And if you already have the Chase Sapphire Preferred® Card (see rates and fees), you may be wondering whether you’re eligible.
I have good news: If you’re a Sapphire Preferred cardholder, you are likely eligible for the Sapphire Reserve.
Let’s revisit Chase’s eligibility rules with its Sapphire family of cards and confirm whether you can earn the Sapphire Reserve’s stellar offer.
Am I eligible for the Sapphire Reserve if I have the Sapphire Preferred?
As long as you have never held or previously earned a bonus on the Sapphire Reserve, you are eligible now. This is true even if you currently hold its sister card, the Sapphire Preferred, and have earned its bonus.
I am highly considering adding the Sapphire Reserve to my wallet. In my view, the flexible $300 annual travel credit is one of the most useful perks out there, and it will be easy for me to maximize the card’s up to $300 in annual statement credits for StubHub purchases (through Dec. 31, 2027; activation required), since I love live music and comedy.
Even though I’ve been a Sapphire Preferred cardholder since 2023, I won’t have to worry about eligibility with the Sapphire Reserve. I’ve never had the Sapphire Reserve or earned its bonus.
If you’re in a similar situation to me, you’re likely eligible for the Sapphire Reserve too.
Before you submit your application, let’s go through the other eligibility requirements for the Sapphire Reserve.
Related: The ultimate guide to credit card application restrictions
Chase Sapphire eligibility rules explained
There are a few more requirements to be sure you meet before you apply for the Sapphire Reserve.
- Chase’s 5/24 rule: Anyone who has opened five or more new credit cards from any issuer in the past 24 months will more than likely be declined for the Sapphire Reserve (or any Chase card, for that matter). Keep in mind that Chase typically doesn’t factor business cards into this count.
- You can’t currently have an open Sapphire Reserve card.
- You’re unlikely to earn another Sapphire Reserve bonus if you’ve already earned a bonus on the Sapphire Reserve.
- If you’ve previously held the Sapphire Reserve, you may not be eligible for its current offer, even if you didn’t earn a bonus on it the first time.
- You’ll need to have an adequate credit history, and we recommend a credit score of at least 740 to qualify.
To put it simply, as long as you’re under 5/24 and have never held the Sapphire Reserve or earned its bonus, you should be good to go.
Related: Am I eligible for the Chase Sapphire Reserve’s bonus?
Bottom line
The Sapphire Reserve is currently running the highest welcome offer in its history, and if you’re a Chase Ultimate Rewards enthusiast, now is a fantastic time to apply.
Even if you currently hold the Sapphire Preferred, you can add the Sapphire Reserve to your wallet.
Just be sure you’re under 5/24, have a good credit history and have never held the Sapphire Reserve or earned its bonus before. As long as you meet these requirements, you should be ready to apply.
Apply here: Chase Sapphire Reserve
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
