Who is eligible for the 125,000 Sapphire Reserve point bonus?

He Chase Sapphire Reserve® (see rates and fees) is Chase’s flagship personal card. It offers a host of benefits, including a $300 flexible travel credit and up to $300 annually for StubHub purchases (activation required).

One of its most compelling advantages is its welcome bonus: Earn 125,000 bonus points after you spend $6,000 on purchases in the first three months of account opening.

According to TPG March 2026 ratingsIt’s worth $2,563, making it one of the most valuable welcome offers out there.

Given how much you can get from 125,000 Ultimate Rewards Pointsyou don’t want to miss the opportunity to not accidentally meet one of the application rules.

Here’s what you need to know about eligibility for the welcome bonus at Chase Sapphire Reserve.

Am I eligible for the Chase Sapphire Reserve welcome bonus?

The most important and possibly the most important rule to keep in mind with Chase is their rule 5/24. Simply put, this rule states that anyone who has opened five or more new credit cards in the last 24 months will likely be declined for a Chase card.

chase normally does not include business cards in your account 5/24, so keep that in mind.

Additionally, there are some Sapphire family-specific rules to keep in mind:

• Currently you cannot have a Sapphire Reserve open card.
• If you previously earned a bonus in the Sapphire Reserve, you will most likely not be eligible to earn another one.
• If you previously had a Sapphire Reserve, you may not be eligible for this offer, even if you did not earn a bonus on that Sapphire Reserve.

In short, if you have never had the Sapphire Reserve and you are under 5/24 years old, you should qualify for the welcome bonus.

Of course, Chase will always consider your entire credit profile when determining your eligibility. Having less than 5/24 and being a new Sapphire Reserve customer will not matter if you have a poor credit scorelow income or a bad relationship with Chase.

Can I have both Sapphire Reserve and Sapphire Preferred at the same time?

One of the biggest frustrations with the Sapphire family of cards used to be that you couldn’t hold both cards. Sapphire Reserve and Chase Sapphire Preferred® Card (see rates and fees) at the same time.

When Chase revised its Sapphire eligibility rules last year, it got rid of this annoying rule. You can now have both Sapphire Reserve and Sapphire Preferred at the same time.

The fact that you currently have or have had Sapphire Preferred will not affect your ability to obtain a welcome bonus at Sapphire Reserve.

Related: Chase Sapphire Preferred Card Review

In a nutshell

Sapphire Reserve’s 125,000 point welcome bonus is one of the best currently available. If you transfer your points to a Chase 14 partner airlines and hotelsyou can get maximum value outside of them.

Whether you’re planning a once-in-a-lifetime trip or several small but fun excursions, it’s important to know what Chase’s eligibility rules are. That way, you won’t miss out on a lot of useful points.

For more information, see our complete review of the Sapphire Reserve.

Apply here: Chase Sapphire Reserve