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75,000 pointsChase's offer, as shown on Chase's own site (Oct 8, 2026)What the bonus is worth: ~$940+ toward travel through Chase Travel (points are worth 1.25¢ there; more when transferred to Hyatt, United and other partners).
Still the best first travel card in the country. 75k is the card's standard high-water mark, the $95 fee is easy to justify with the $50 hotel credit alone, and it opens the door to the whole Chase points ecosystem. If you're under Chase's 5/24 limit (fewer than five new cards in 24 months) and have never had a Sapphire bonus in the last 48 months, this is the one to get first.
Anyone getting their first real travel card, families who take one or two trips a year, and anyone who wants Hyatt or United transfers without a $500+ fee.
| Welcome bonus | 75,000 points |
|---|---|
| Spend requirement | $5,000 in the first 3 months |
| Annual fee | $95 |
| APR | 19.49%–27.74% variable APR on purchases |
| Earns | Ultimate Rewards points |
| Network | Visa |
| Checked | Oct 8, 2026 on Chase's site |
Verified: Chase's Sapphire Preferred page, Oct 8, 2026: “Earn 75,000 points after you spend $5,000 in purchases in the first 3 months from account opening.” $95 annual fee. Source: creditcards.chase.com. Offers change; the issuer's page is final.
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Chase's 5/24 rule: if you've opened 5 or more credit cards from any bank in the last 24 months, Chase automatically denies most of its cards, including the Sapphire Preferred. Authorized-user cards can count too; check your report before applying.
Answered by StackTheDealOnly if you no longer hold a Sapphire card and haven't received a Sapphire Preferred or Reserve bonus in the past 48 months. Chase treats the two as one family for the bonus.
Answered by StackTheDealNo. Fees, interest, balance transfers and cash advances don't count. Only purchases do, and the clock is 3 months from account opening, not from when the card arrives.
Answered by StackTheDealUsually 6 to 8 weeks after you cross the spend, often on the statement that closes after you hit it.
Answered by StackTheDealYes. After the first year you can ask Chase to downgrade to a no-fee Freedom card and keep your points, because they live on the card and transfer when you product-change. Don't close the account outright before moving points.
Answered by StackTheDealChase doesn't publish one, but most approvals come with scores in the 700s and a year or more of credit history. A thin file is a common denial reason.
Answered by StackTheDeal
The 100k bonus is huge, but the $795 fee is real money and the credits are in halves (January–June, July–December), so do the math on your own travel first.
This is the biggest public bonus on the market right now, and the 6-month window makes $12,000 doable for a family.
The grocery-and-dining card.
Questions about this offer?
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