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Sapphire 100K Bonus (Even If You Already Have a Sapphire Card)
December 12, 2024
Breaking News: Chase has brought back the massive 100,000-point bonus on the Chase Sapphire Preferred® Card! This limited-time offer is potentially worth over $2,000 in travel value and represents one of the most valuable credit card offers of 2025.
The Chase Sapphire Preferred® Card and Chase Sapphire Reserve® are two of the most coveted travel credit cards for a reason: they offer valuable Ultimate Rewards points, impressive travel benefits, and generous welcome bonuses. But what if you already have one of these cards in your wallet? Can you still take advantage of this incredible 100,000-point offer?
The good news is yes, you can earn this massive Chase Sapphire welcome bonus, even if you already have a Sapphire card. However, you’ll need to navigate Chase’s specific rules and timing requirements. This comprehensive guide will walk you through the exact steps to successfully earn the 100K Sapphire Preferred bonus before this limited-time offer disappears.
Chase Sapphire 100K Offer: What You Need to Know
Before diving into how to get this offer if you already have a Sapphire card, let's look at what makes this offer so exceptional:
- Welcome bonus: 100,000 Ultimate Rewards points after spending $5,000 in 3 months
- Annual fee: $95 (not waived first year)
- Offer launch date: March 23, 2025
- Estimated bonus value: $1,250 to $2,000+ depending on redemption method
- Credit score recommended: Good to Excellent (670+)
- Offer end date: Not announced (typically lasts 4-8 weeks)
This 100K bonus represents a 66% increase over the standard 60,000-point offer, making it one of the most valuable credit card bonuses currently available anywhere.
Chase Sapphire Rules You Need to Know
Before attempting to get this 100K offer, make sure you understand Chase’s key restrictions:
1. The 48-Month Rule
Chase requires 48 months (4 years) between earning Sapphire welcome bonuses. This 48-month clock starts from when you received your last Sapphire bonus (not when you applied for or opened the card).
2. The One Sapphire Rule
You cannot have more than one Chase Sapphire card at the same time. This means if you currently have any Sapphire card, you'll need to take action with that card before applying for the new offer.
3. The 5/24 Rule
Chase’s unofficial “5/24 rule” means you’ll likely be denied if you’ve opened 5 or more personal credit cards (from any bank) in the last 24 months.
Step-by-Step Guide to Earning the 100K Sapphire Bonus
If you meet the eligibility requirements above, here’s exactly how to earn the 100K Sapphire Preferred welcome bonus:
Step 1: Confirm Your Eligibility
First, verify that it’s been at least 48 months since you received your last Sapphire welcome bonus. The easiest way to check is to:
- Review past credit card statements
- Send Chase a secure message through your online account
- Call the number on the back of your card
Also, confirm you’re under the 5/24 rule by checking your credit report.
Step 2: Downgrade Your Current Sapphire Card
Instead of canceling your current Sapphire card (which could negatively impact your credit score), downgrade it to a no-annual-fee Chase card:
- Call the number on the back of your Sapphire card
- Tell the representative you'd like to "product change" or "downgrade" to a no-annual-fee Chase card
- Popular downgrade options include:
- Chase Freedom Unlimited®
- Chase Freedom Flex℠
- Original Chase Freedom Visa with Ultimate Rewards (if available)
Pro tip: If your annual fee recently posted, you may be eligible for a partial or full refund when you downgrade.
Step 3: Wait Before Applying for the 100K Offer
After downgrading, it’s important to wait before applying for the new 100K Sapphire Preferred offer. This ensures Chase’s systems fully update to show you no longer have a Sapphire product.
Based on recent data points, you should wait at least 4 days after downgrading before applying for the new Sapphire Preferred with the 100K offer. Some prefer to wait 5-7 business days to be extra cautious.
Important timing note: Since the 100K offer begins April 3, 2025, plan your downgrade accordingly to ensure you're eligible to apply as soon as you can.
Step 4: Apply for the Chase Sapphire Preferred 100K Offer
Once you’ve waited the appropriate time, apply for the Chase Sapphire Preferred with the 100K bonus:
- Online application: Quick and convenient
- In-branch application: Sometimes offers exclusive benefits
Step 5: Meet the Minimum Spending Requirement
After approval, make sure to meet the $5,000 minimum spending requirement within 3 months of account opening to earn your 100,000-point welcome bonus.
Maximizing Your 100,000 Chase Ultimate Rewards Points
To help you visualize the extraordinary value of this 100K bonus, here are real-world redemption possibilities:
Luxury Hotel Stays via Hyatt (Best Value)
Transfer your points to World of Hyatt for exceptional value:
- 4 nights at the Park Hyatt New York (25,000 points/night), where rooms routinely sell for $800-1,000/night
- 5 nights at the Andaz Maui at Wailea Resort (20,000 points/night), a luxury beachfront property
- 8 nights at the Hyatt Regency Bangkok (12,000 points/night), in the heart of Thailand's capital
Premium Flight Redemptions
Access business class flights by transferring to airline partners:
- Round-trip business class from USA to Japan on ANA via Virgin Atlantic (95,000 points from East Coast)
- One-way business class to Europe via Air France/KLM Flying Blue (53,000+ points)
- Round-trip business class to Europe via Iberia Plus (68,000+ points)
Multiple Economy Flights (Maximum Flexibility)
Make your points stretch further with economy redemptions:
- 4 round-trip flights to Hawaii from the West Coast via Singapore Airlines (24,000 points round-trip)
- 10+ one-way domestic flights on United or Southwest (as low as 9,000 points each)
- Family vacation for 4 with round-trip flights to Mexico or the Caribbean
FAQ About Getting the 100K Sapphire Bonus
What happens to my Ultimate Rewards points when I downgrade?
Your points remain in your account when you downgrade. Once you’re approved for the new Sapphire Preferred, you can transfer these points to your new card to regain the ability to transfer to travel partners.
Will downgrading affect my credit score?
Downgrading instead of canceling helps preserve your credit history and credit utilization ratio, minimizing any negative impact on your credit score.
What if my application is denied?
If denied despite meeting the eligibility requirements, call Chase’s reconsideration line at 1-888-270-2127. You may need to:
- Verify your income and expenses
- Move credit lines from other Chase cards
- Answer additional verification questions
How long will the 100K offer last?
Based on previous 100K promotions, this offer will likely be available for approximately 4-8 weeks. Some past elevated offers have disappeared in as little as 2-3 weeks, so applying sooner rather than later is recommended.
Can I upgrade my Freedom card to the Sapphire Preferred to get the 100K bonus?
No, the 100K bonus is only available for new Sapphire Preferred applications, not upgrades from existing Chase cards.
Why This 100K Offer Is Worth Pursuing
With a bonus potentially worth $1,250 to $2,000+ in travel value for just a $95 annual fee, this limited-time offer represents an extraordinary opportunity. The Chase Sapphire Preferred also provides excellent ongoing value:
Powerful Everyday Rewards Beyond the Bonus
- 5X points on travel purchased through Chase Travel
- 3X points on dining, select streaming services, and online grocery purchases
- 2X points on all other travel purchases
- 1X points on all other purchases
Premium Travel Benefits Without Premium Fees
- $50 annual hotel credit for stays booked through Chase Travel
- Primary rental car insurance coverage
- Trip cancellation/interruption insurance up to $10,000 per person
- Trip delay reimbursement ($500 per ticket for delays over 12 hours)
- Purchase protection and extended warranty
- No foreign transaction fees on international purchases
- DoorDash DashPass membership (free for 12 months, then 50% off)
Bottom Line
This upcoming 100K Chase Sapphire Preferred offer is truly exceptional. At a time when many premium travel cards charge $550+ annual fees, Chase is offering potentially $2,000+ in value for just $95. This isn’t just a great deal—it’s the kind of opportunity that serious points enthusiasts and travel hackers wait years for.
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