How Often Can You Get Chase Sapphire Bonus and Maximize Rewards

You can earn the Chase Sapphire bonus once per calendar year, but the exact timing depends on your account anniversary date.

The bonus is typically awarded after your first purchase within 90 days of account opening, and you can earn it again the following year if you meet the same requirements.

To maximize rewards, consider earning a minimum of $4,000 in spend within the first three months to qualify for the bonus and earn 60,000 bonus points.

You can use the Chase Sapphire Preferred or Chase Sapphire Reserve card to earn the bonus, and both cards offer similar benefits and rewards.

To be eligible for a Chase Sapphire bonus, you can't have received a bonus for a Sapphire card within the past 48 months. The 48-month clock starts from the date you earned the welcome bonus, not the date you opened your card.

If you're an existing Sapphire customer, you can't get a new Sapphire card as a new cardmember. Your only option is a product change, which may or may not be eligible for a new bonus.

You won't receive a new cardmember bonus if you change products, so be sure to check the terms carefully.

You can apply for a Chase Sapphire card online or in-branch, but be aware that in-branch offers are sometimes better. Chase sometimes has better credit card welcome offers in-branch than it will publish on its own website or through affiliate networks.

Before applying, make sure you're aware of the 5/24 rule, which states that Chase generally won't approve you if your credit report is showing 5 or more new credit card accounts opened in the last 24 months. You can check your 5/24 status before applying for a Chase card.

You can only hold one Chase Sapphire-branded card at a time, so if you already have a Chase Sapphire card, you won't be eligible for another one until you close or product change it. Closing your current card will reset your account age and credit line, but product changing to a different Chase card will allow you to keep them.

You can get a welcome bonus on a Chase card, even if you've had the card previously, but how often you can earn a welcome bonus on a Chase card varies by card family.

You can't just apply for any Chase Sapphire card without considering the 5/24 rule, which states that Chase generally won't approve you if your credit report is showing 5 or more new credit card accounts opened in the last 24 months.

This rule has softened recently, especially for Ink cards, but it's still something to keep in mind. To check your 5/24 status, simply look at your credit report.

You can only hold one Chase Sapphire-branded card at a time, so if you have a Chase Sapphire Preferred Card, you can't also have a Chase Sapphire Reserve Card.

This means you'll need to choose which card is right for you before applying. The good news is that you can get a welcome bonus on a Chase card, even if you've had the card previously, but how often you can earn a welcome bonus varies by card family.

If you're interested in getting a new Chase Sapphire card, you can apply online or in-branch. In-branch offers are sometimes better, so it's worth checking all channels to make sure you're getting the best bonus.

Chase business cards don't report to personal credit reports and don't impact your 5/24 status as long as they are current, which can be a good option if you're looking to apply for a new card without affecting your credit score.

Here are some key things to keep in mind when applying for a Chase Sapphire card:

The Chase Sapphire Reserve sign-up bonus is a great perk, but let's dive into the benefits that come with it. The card offers a range of rewards and protections that can save you money and make your travels more enjoyable.

You'll get a $300 annual travel credit, which can be a huge help if you travel frequently. This credit can be used towards travel expenses, such as flights, hotels, and rental cars.

Complimentary airport lounge access is also included, giving you a chance to relax and unwind in style before your flight. This benefit alone can be worth the cost of the card.

The Chase Sapphire Reserve also offers best-in-class travel insurance protections, which can provide peace of mind when booking travel. No foreign transaction fees means you won't have to worry about extra charges on international purchases.

Purchase protection and return protection are also included, giving you added security when making purchases. The extended warranty is another perk that can save you money in the long run.

In terms of rewards, you'll earn 10x on hotel stays purchased through Chase Travel℠, 5x on flights purchased through Chase Travel℠, 3x at restaurants, and 3x on other travel worldwide. All rewards are earned as Ultimate Rewards points, which can be redeemed for travel, gift cards, or other rewards.

If you already have the Chase Sapphire Preferred or Chase Sapphire Reserve, you can take advantage of the 60,000-point offer by downgrading your card to a no-annual-fee Chase Freedom Card.

You can call the number on the back of your Chase Sapphire card to request a downgrade to the Chase Freedom Unlimited or the Chase Freedom Flex. This will keep your existing Chase Ultimate Rewards points intact.

Chase allows you to hold both a Chase Freedom card and a Chase Sapphire card at the same time, so you can downgrade to the version you don't already have in your wallet.

To reapply for the Chase Sapphire card, wait at least two weeks after the downgrade is completed, ensuring Chase has no record of your Sapphire card being open.

You can then transfer your points from the Freedom card you downgraded back to your new Chase Sapphire card, pooling all your points into one balance.

The Chase Sapphire bonus is a great way to earn rewards, but how often can you get it? Let's dive into the offer details to find out.

The Chase Sapphire Preferred Card offers a welcome bonus of 75,000 points after spending $4,000 on new purchases within the first three months.

The Chase Sapphire Reserve Card also offers a welcome bonus of 75,000 points after spending $4,000 on new purchases within the first three months, but with a higher annual fee of $550.

You can earn points with the Chase Sapphire Preferred Card on various categories, including travel, dining, select streaming services, and online grocery purchases.

Here are the earning rates for the Chase Sapphire Preferred Card:

The Chase Sapphire Reserve Card earns points at a higher rate on certain categories, including hotels and car rentals through Chase Travel.

Here are the earning rates for the Chase Sapphire Reserve Card:

The annual fee for the Chase Sapphire Preferred Card is $95, while the annual fee for the Chase Sapphire Reserve Card is $550.