7 Tips to Help You Get the All-Time Highest 100,000-Point Welcome Bonus on the Chase Sapphire Preferred!

7 月底这个 100,000 就要过期了，大家抓紧啦！

Here’s a timing trick: some people end up hitting 5/24 only after this 100,000 welcome bonus offer has ended. What should you do? You can submit the application first. Of course, at that point there’s no way to get approved or reconsidered right away, but the application can stay on file for about 90 days. You can wait until you hit 5/24 and then go to reconsideration. At that point, the rep will check your credit report and see that you’re still under 5/24, and the application can be approved. This approach mainly works when a limited-time or all-time-high offer is about to expire — it’s basically like locking in the 100,000.

• Chase CSP 100,000 application link

About this 100,000 bonus

A lot of people may not fully understand what this 100,000 means to experienced credit card users, so let’s talk about it briefly. Chase Sapphire Preferred has always been one of Chase’s flagship products. Other than when it first launched in 2008 and briefly offered a 100,000 sign-up bonus, the bonus has usually floated around 50,000-80,000. The previous 100,000 offer was in 2021. The one before that was in April 2025. I’d guess it comes around once a year!

100,000 Ultimate Rewards (UR) points are worth roughly $1,250-$2,000, so this is a very strong offer to apply for! Since this card has only a $95 annual fee, if it doesn’t make sense in the second year, you can downgrade to the no-annual-fee Freedom Flex or Freedom Unlimited to avoid paying the annual fee.

That said, this 100,000-point welcome bonus is not that easy to get. Chase’s approval rules are pretty strict. So below I’ll walk through how to successfully apply for this card and actually earn the bonus.

1. Not over the 5/24 rule

To apply for this Chase Sapphire Preferred card, the first thing to consider is whether you meet Chase’s application requirements. The most important one is the well-known 5/24 rule.

• Within the past two years (24 months), if your credit report shows more than five new credit card accounts, including Chase and cards from other banks, a direct application for any Chase credit card will be automatically denied
• Detailed analysis of the Chase 5/24 rule

For most beginners, if you haven’t opened 5 new credit cards in the last 24 months, you don’t need to worry about this rule. But for people who have opened a lot of cards, the first step is to review how many new cards you’ve opened over the past two years. If you can’t keep track, the best advice is to get a free copy of your credit report and check it yourself. The report will show the opening date for every credit card you’ve had. The best reports to get are from Experian and TransUnion, the two bureaus Chase most often hard pulls. As long as, looking back 24 months from the application date, you have no more than 5 new cards, you’re fine. This is a hard requirement, so timing matters.

• How to read a free credit report (available weekly)

There are two more things to keep in mind:

• Here, the 5 cards mainly refer to personal cards. Business credit cards are not counted toward the 5-card limit in most cases. Of course, the most accurate way is still to check your personal credit report — if it shows 5 cards, then it’s 5.
• If you’ve been added as an authorized user on someone else’s card (especially Chase), that card may also count toward the 5-card total. If you need to call for reconsideration, tell the rep, and they can manually remove that card and reassess the application.

Finally, this 5/24 rule is not written in the offer terms, but years of user testing have shown that it is absolutely real.

Timing trick

Here’s a timing trick: some people end up hitting 5/24 only after this 100,000 welcome bonus offer has ended. What should you do? You can submit the application first. Of course, at that point there’s no way to get approved or reconsidered right away, but the application can stay on file for about 90 days. You can wait until you hit 5/24 and then go to reconsideration. At that point, the rep will check your credit report and see that you’re still under 5/24, and the application can be approved.

This approach mainly works when a limited-time or all-time-high bonus is about to expire — it’s basically like locking in the 100,000.

2. You have not held Sapphire Preferred before and have not received the bonus

Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisement. Review offer details before you apply. This credit card is unavailable to you if you currently have one open. The new cardmember bonus may not be available to you if you previously held this card or received a new cardmember bonus for this card.

This part is a little complicated, so let’s go through a few scenarios together:

• If you have held Sapphire Reserve before: you can still get the bonus. Sapphire Preferred can now be held together with Sapphire Reserve, and the sign-up bonuses for the two cards do not affect each other, so there’s nothing to worry about.
• If you have never held Sapphire Preferred and have never received the bonus: you can get the bonus.
• If you currently hold Sapphire Preferred and have already received the sign-up bonus: you cannot apply again, and there is no bonus.
• If you previously held Sapphire Preferred and already received the bonus, but later product changed or closed the card: you can apply again, but there is no sign-up bonus.
• If you previously held Sapphire Preferred but never received the bonus (for example, if CSP was obtained through a product change): it may not trigger the restriction. If you really want to try, you can submit the application. If a pop-up says this application is not eligible for a sign-up bonus, just don’t submit the final application. Note that this may result in a hard pull and can affect your credit score to some extent.

Of course, there are still exceptions online. One reader applied for CSP in 2015, then later converted it to another no-annual-fee Chase card. This round of application went through instantly, and they got the CSP 100,000 bonus. If your CSP is a very old version, you might be able to get it again now.

3. The general pop-up

We may also consider the number of cards you have opened and closed in determining your bonus eligibility.

Chase has also added a new restriction, similar to an AMEX pop-up. It may decide whether to approve you based on how many Chase cards you currently have and how many Chase cards you have closed. Put simply, if Chase thinks you’ll apply for the card and then not use it, only chasing the welcome bonus, it may deny the application. There is currently no proven way to beat this all-purpose pop-up. You can follow the AMEX playbook: spend more on your existing Chase cards, keep more money in Chase Checking, and lower the credit limits on some of your other Chase cards. All of these can significantly improve your odds of approval.

4. Have some credit history and income

This part seems a bit subjective, and there isn’t any quantitative analysis. But credit history and income are definitely necessary to get approved for this card, for the following reason: the minimum credit line for CSP is $5,000. That means your credit profile and income need to support Chase giving you a $5,000 credit limit. If you just got an SSN and have no credit history at all, I would not recommend making CSP your first credit card application. On the other hand, if all the cards you currently hold only have limits of a few hundred dollars or around $1,000, Chase will not easily give you a card with a $5,000 limit either (Chase can see the current limits on all of your cards). And if your monthly paycheck is only $1,000, Chase may also worry about whether you can repay it smoothly. In general, meeting at least the following conditions can greatly improve your chances of being approved for this card.

• More than 1 year of credit history
• Several credit cards with limits above $2,000
• Annual income above $20,000
• More than 1 Chase credit card
• A Chase checking account with some deposits,

If none of the items above apply to you, I suggest taking a look at the cards below first. Cards with no annual fee usually have a much lower barrier to entry.

• Recommended no annual fee credit cards from major U.S. banks

5. Apply for Chase Sapphire Preferred

If you have questions about the credit card application process or how to fill out a specific field, you can refer to the articles below. To apply online, you need a Social Security Number (SSN) or ITIN. Without one, you will not be able to apply.

• The credit card application process
• How banks decide whether to approve a credit card application

6. Learn How to Call Reconsideration

In Chase credit card applications, only a relatively small number of people with especially strong qualifications get instant approval. Most applicants will see a message saying the application needs more time for review. So what can you do during this period to improve your chances of getting approved? Based on the experience of many applicants, proactively calling Chase’s credit card department can speed up the review and can also improve your approval odds to some extent. Chase’s reconsideration phone numbers are:

• 800-278-8830
• 800-290-1316
• 877-470-9042

Once you get through, you’ll be transferred to the Chase team that specifically handles reviews for new credit card applications, not regular customer service. The reconsideration specialist will usually ask a few key questions:

• Verify your identity and address: There’s usually nothing special to say here, but if you recently moved, the address may not match, so just explain the situation.
• Ask about items on your credit report: For example, why you’ve opened so many cards. You can explain that different cards serve different purposes. You can also proactively mention positive factors, such as always paying on time every month and having been a Chase cardholder for a long time.
• Move credit limits to get the new card approved: Your total Chase credit limit is generally tied to your income and credit history. If your income is not high enough and your current total credit line has already reached the limit, the specialist may suggest moving credit from your other cards to approve this new one. If you get to this stage, congratulations—you’re probably 90% of the way there. You can choose to move credit from an airline or hotel co-branded card, or from a Chase card you rarely use. If one card isn’t enough, you can move limits from several cards together, as long as it gets the new card approved.

In most cases, during the reconsideration call, the agent will directly tell you whether your application is approved, so the process is fairly straightforward. In very rare cases, the application may need further review afterward. If that happens, there’s nothing to do but wait.

7. Complete the $5,000 minimum spending requirement within 3 months

After making it through all the steps above, hopefully everyone has successfully gotten the Chase Sapphire Preferred card. From here, things are much simpler: you need to complete $5,000 in spending within the first 3 months after approval.

To qualify and receive your bonus, you must make Purchases totaling $5,000 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

A few things to keep in mind:

• Timing of the minimum spending requirement: The clock starts on the day your application is approved. At this point, this is fixed, with no room to negotiate an extension. If the terms say 3 months, that means 3 months from the approval date—not from when you receive or activate the card. It used to seem like there was an effective 117-day window, but now it is clearly 3 months.
• After you complete the spending requirement, you will usually receive the bonus when the next statement closes. This rule applies to Chase’s own cards, where you can often see it in pending, and also to co-branded credit cards. You may be able to get the bonus sooner by changing your statement date.
• Annual fees, interest, cash advance fees, and similar charges do not count toward the minimum spending requirement, and they also do not earn points/cash back. Be sure to exclude these when doing your calculations.

For Chase, if you can meet the spending requirement through normal purchases, that’s still the best approach. If it’s genuinely difficult, you can preload some gift card balance into your Amazon account, prepay certain utility bills, car insurance, or taxes, or temporarily shift over spending that would otherwise go on other cards with bonus categories. If hitting $5,000 is still difficult, you can refer to the article below:

• How to Meet a Credit Card Minimum Spending Requirement

Summary

This 100,000-point welcome bonus on the Chase Sapphire Preferred is still extremely compelling. My personal suggestion is that anyone who qualifies should consider applying, since a 100,000-point welcome bonus probably only comes around about once a year.