Chase Sapphire Reserve cardholders aren’t automatically locked out of the Chase Sapphire Preferred bonus. The offer being discussed provides new cardholders with 100,000 bonus points after spending $5,000 in the first three months, with eligibility hinging on
The worry hits quickly for anyone who already has the Chase Sapphire Reserve: “Am I even eligible to get the 100,000-point bonus on the Sapphire Preferred?”
The answer is often simpler than the fear suggests. Even if you’re a current (or former) Sapphire Reserve cardholder. you may still be able to qualify for the Chase Sapphire Preferred® Card bonus that’s tied to a top offer: new cardholders can earn 100. 000 bonus points after spending $5. 000 on purchases in the first three months from account opening.
The eligibility question turns mainly on whether you’ve previously had—or benefited from—a Sapphire Preferred bonus. If you’ve never previously held or earned a bonus on your own Sapphire Preferred. you’re likely eligible for the current bonus. That can be true even for people who currently hold, or once held, a Sapphire Reserve.
Authorized users face a different boundary. If you haven’t been the primary cardholder on a Sapphire Preferred account, you’re still likely eligible for your own Sapphire Preferred—and the 100,000-point bonus referenced as worth $2,050 in travel, using TPG’s June 2026 valuations.
That still leaves a set of requirements to check before you apply. Under Chase’s 5/24 rule. an applicant who has opened five or more new credit cards from any issuer in the past 24 months will more than likely be declined for any new Chase card. including the Sapphire Preferred. Chase typically doesn’t factor business cards into this count.
You also cannot have an open Sapphire Preferred card. And while the bonus may look tempting. Chase eligibility rules also track whether you already earned a Sapphire Preferred bonus in the past—even if you don’t currently hold the card. If you’ve previously been the primary cardholder on a Sapphire Preferred account. you may not be eligible for this bonus. even if you didn’t earn a bonus the first time.
On the other hand, if you’ve only been an authorized user and have never held your own Sapphire Preferred, you’re likely eligible for your own Sapphire Preferred.
Credit history is the final gate to consider. The guidance here recommends a credit score of at least 670 to qualify, and it’s described as needing an adequate credit history.
Putting it all together. the key considerations are being under 5/24. never having earned the Sapphire Preferred bonus before. and never having been the primary cardholder on a Sapphire Preferred account. If those pieces fit. the remaining step is straightforward: meet the $5. 000 spending requirement within the first three months to earn the 100. 000 bonus points.
For travelers watching their points—and keeping the Reserve in their wallet—the takeaway is clear: holding the Sapphire Reserve doesn’t automatically end the chase. Your history with the Sapphire Preferred is what decides whether this particular 100,000-point window stays open to you.
Chase Sapphire Preferred Chase Sapphire Reserve 100 000 bonus points travel rewards credit card eligibility 5/24 rule authorized users $5 000 spending requirement
So if you already have the Reserve you still get the 100k? I don’t get it.
Sounds like they just changed the rules again. I thought owning the Reserve meant you were automatically blocked from the Preferred bonus, but now it’s “maybe.” Also “5/24” like ok cool just deny me anyway.
Wait, the article says it’s based on whether you “benefited” from a Preferred bonus before. What counts as benefiting? Like if I had it years ago but didn’t spend enough? That seems super scammy.
I’m pretty sure Chase does this to get you to rack up points then they pull the rug. The $5,000 in 3 months part is wild though, like that’s easy for some people and for others it’s impossible. And the “authorized user” thing always confuses me—my cousin said he’s eligible even though he’s not the main guy.