Chase has once again upped the ante on its most popular travel credit cards, rolling out a bigger bonus on the *chase sapphire preferred* – and this time, its premium sibling, the *chase sapphire reserve* is feeling the love, too.
No matter which version of the card you choose, you can now earn a whopping 75,000-point bonus after spending $4,000 within the first three months of card membership. That's up from the standard offer of 60,000 points on both cards – they're the biggest bonuses we've seen on the Chase Sapphire cards in nearly a year and two of the best credit card offers on the market right now, period.
It's unclear how long these elevated bonuses will be available … but we wouldn't wait around: The best welcome offers never last too long.
Already have one of these cards in your wallet? With a bit of legwork, you might still be eligible to earn another Sapphire card bonus – keep reading!
Neither bonus is a record-setter: Both have previously offered welcome bonuses as high as 100,000 points. But that was long ago – odds are, these bonuses are as good as you can get on either card.
Live near a Chase branch? See if you can get an 85,000-point bonus (with a slightly higher spending requirement) by applying in-person – but only on the Chase Sapphire Preferred!
Consider this: Those 75,000 points are worth more than $900 when booking flights or hotels through the Chase Travel℠ portal on the Preferred Card – or more like $1,100 on the Reserve. And no matter which card you get, you can squeeze far more value out of those points by sending them to Chase's excellent airline and hotel transfer partners .
Not sure which card to pick? If you're just getting started with travel rewards credit cards , there's no better place to start than the Chase Sapphire Preferred Card. But if you're looking for extra perks like airport lounge access and earning more points, the Chase Sapphire Reserve might be the better fit.
Just keep in mind: Credit cards are serious business . Adding either card just for the big 75,000-point bonus isn't worth it if you can't afford to pay off every dime in spending it takes to earn those points.
Read on for everything you need to know about these awesome new bonus offers – and why you should take advantage.
Learn more about the *chase sapphire preferred*
Learn more about the *chase sapphire reserve*
Just How Good are these Chase Sapphire 75K Bonuses?
Really, really good. Neither card is breaking a record for the largest bonuses ever, but it's as good as it gets right now.
Last spring, Chase increased the offer on the Sapphire Preferred to 80,000 points. This new offer is in roughly the same ballpark. In the past, we've seen bonuses climb as high as 100,000 points on the Preferred Card, but it's unlikely we'll ever see that monster welcome bonus ever again.
You can do slightly better, though – at least so long as you're willing to apply in-person at a Chase bank branch. According to Doctor of Credit , Chase is currently offering a bonus of up to 85,000 points to in-branch applicants: The same 75,000 points after spending $4,000 within three months, plus another 10,000 points after spending a total of $6,000 within six months.
The Chase Sapphire Reserve bonus, though, is identical whether you apply in a Chase branch or online through a site like ours. And 75,000 points is nothing to scoff at: It's the biggest bonus we've seen on Chase's premium travel card in more than a year.
What Can You Do With 75K Chase Ultimate Rewards Points?
The beauty of Chase points is just how valuable – and flexible – they are. So, what can 75,000 points get you? In two words: A lot.
Those reward points are worth a minimum of $900 toward flights, hotels, and other travel expenses booked through the Chase travel portal . But by leveraging Chase transfer partners and sending them to airlines like Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Avios – or even hotel chains like Hyatt – you can get much more value from this 75,000-point bonus.
Here's a quick list of some of the best ways to use this bonus.
This list is just the start! Read our full guide on 10 of the best ways to redeem a big Chase bonus !
Take a Flight Deal & Make it Free
One of our favorite uses of any frequent flyer points is booking the cheap domestic or international flight deals you find via Google Flights or with a Thrifty Traveler Premium subscription. And the absolute best way to book them is with Chase Ultimate Rewards points.
That’s because your Chase points are worth more if you've got the Chase Sapphire Preferred or Chase Sapphire Reserve cards in your wallet.
With the Sapphire Preferred Card every point is worth 1.25 cents toward travel when you use them in the Chase Travel Portal. With the Sapphire Reserve you get 1.5 cents for each point. That's why we say this 75,000-point bonus is worth at least $900 toward flights, hotels, or other travel.
As an example, here’s a recent deal on flights over to Paris we recently sent to our Thrifty Traveler Premium subscribers: You can get to Paris for under $600 roundtrip this year or next – including this summer!
Booking this flight with bonus points from your Chase Sapphire Preferred? It would cost you less than 48,000 points. With the Sapphire Reserve, it clocks in just under 40,000 points for a free trip to Paris.
Booking flights directly through the Chase travel portal is one of the easiest ways to redeem points for travel, period. You'll even earn miles when you take your free flight! Best of all, you can book flights on almost any airline using this method.
Read more: How to Book Flights Through the Chase Travel Portal
4 (or More!) Roundtrip Tickets to Hawaii
You can book two, four, or more round-trip tickets to Hawaii with a big Chase bonus. So much for Hawaii being an expensive place to get to, right?
This is where turning to Chase transfer partners really shines, as you have several options to book round-trip flights to the Hawaiian islands for about 25,000 points each – or much less.
If you time it right, you can get to Hawaii for under 12,000 Southwest Rapid Rewards points, as with this round-trip flight from Oakland (OAK) to Maui (OGG). And because Chase points transfer to Southwest on a 1:1 basis, 12,000 Chase points is all you need.
Another option is transferring your points to British Airways, which you can use to book flights to Hawaii on American Airlines or Alaska Airlines. Here's why: Flying from the West Coast, you can book flights to Hawaii for just 32,000 British Airways Avios … even when American or Alaska are charging 45,000 miles or more for the exact same flights.
Chase points also transfer to British Airways on a 1:1 basis , so you need only 32,000 Chase points per ticket.
Read more on our favorite ways to get to Hawaii using points !
A Round-Trip for 2 to Europe – Or 1 in Business Class
This 75,000-point bonus is more than enough to get two people to Europe and back … or fly solo in style.
The trick is turning to Iberia, a Spanish airline and yet another Chase transfer partner. Using Iberia, you can fly from Boston (BOS), New York City-JFK (JFK), Washington, D.C.-Dulles (IAD), or Chicago-O'Hare to Madrid (Madrid) for as low as 34,000 miles round-trip . Since Chase points transfer to Iberia on a 1:1 basis, a stash of 75,000 points can cover two roundtrip flights to Europe … with points left to spare!
Or you could splurge for this:
Read our step-by-step guide on how to book Iberia business class !
That's right: 75,000 Chase points is more than enough for two one-way flights (or one roundtrip) to Europe in Iberia business class . You can do it for just 34,000 miles each way or 68,000 miles roundtrip! That's a fraction of what most other airlines charge to fly business class to Europe.
Considering these business class tickets cost $4,000 or more a ticket when paying cash, it's a phenomenal way to use those Chase points. And with a Thrifty Traveler Premium alert like this one, it's fairly easy to book as long as you have the points.
Time it right with one of the frequent transfer bonuses from Chase to Iberia (or British Airways) , and it gets even better: Just 27,000 points each way!
Book Free Hotel Nights with Hyatt
It's not just flights. You can also book hotels using this 75,000-point bonus. And with Chase points, you've got an ace in the hole: Hyatt.
With free nights starting as low as just 3,500 points per night, World of Hyatt is easily the most valuable hotel loyalty program … and it's not even close. Chase points also transfer to Hyatt 1:1.
So with 75,000 points in hand, you could:
Cover up to 20 or more nights at the cheapest Hyatt properties!
Book up to three free nights at the brand-new, all-inclusive Secrets Tulum Resort & Spa
Book a few nights at a posh Park Hyatt property close to home or abroad – some, like the Park Hyatt Siem Reap in Cambodia , are bookable from just 12,000 points per night!
Get two (or even three) nights with your own villa in Bali (complete with a private pool!) at the Alila Villas Uluwatu
Read More: Why Hyatt is the Best Hotel Rewards Program
Score a Business Class Suite to Tokyo
This isn't just business class. It's ANA's The Room business class. And you can book your trip to Japan flying this with your Chase bonus.
All Nippon Airways (ANA) might not be a Chase transfer partner, but Virgin Atlantic is. Virgin Atlantic prices these flights more like an economy seat: You can fly from the western U.S. to Tokyo and back for just 90,000 Virgin Atlantic points or 95,000 points from Chicago-O’Hare (ORD) or East Coast cities. One-ways are half the price.
If you time it right with one of the frequent 30% transfer bonuses from Chase to Virgin , you'll have more than enough points for a roundtrip to Tokyo in business class.
Chase Sapphire Preferred® Card Benefits Overview
Welcome Offer Bonus: bonus_miles_full
3x points per dollar spent on dining, including eligible delivery services
3x points per dollar spent on online grocery purchases (excluding Target, Walmart, and wholesale clubs like Costco and Sam's Club)
3x points per dollar spent on select streaming services
2x points per dollar spent on travel purchases
Earn 5x total points on travel purchased through Chase Travel℠, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
Earn up to $50 in statement credits each year for hotel stays booked through Chase Travel℠
10% Annual Points Bonus: Receive a 10% points bonus on your total spending during the account anniversary year at a rate of 1 point for every $10 spent.
Trip Cancelation & Trip Interruption Coverage
Baggage Delay and Lost Luggage Coverage
Rental Car Insurance Coverage
No Foreign Transaction fees
Annual Fee: $95
Learn more about the *chase sapphire preferred*
Chase Sapphire Reserve® Card Benefits Overview
Welcome Offer Bonus: bonus_miles_full
Earn 3x Ultimate Rewards points per dollar spent on travel & dining worldwide after using the full $300 travel credit
10x Ultimate Rewards points per dollar spent at Lyft through March of 2025
Points are worth 50% more when redeemed through Chase Travel℠ .
$300 annual travel credit
Up to a $100 credit for Global Entry/TSA PreCheck
Trip Cancelation & Trip Interruption Coverage
Baggage Delay and Lost Luggage Coverage
Rental Car Insurance Coverage
No Foreign Transaction Fees
Annual Fee: $550
Learn more about the *chase sapphire reserve*
Who is Eligible for these 75K Chase Sapphire Bonuses?
Before applying for either card, you should consider a few things to give yourself the best chance of being approved.
You’ll Need Good-to-Excellent Credit
The first thing you’ll need to consider before applying for one of these Chase Sapphire Cards is your credit score.
Chase indicates that you must fall into the “Good” to “Excellent” credit buckets to be approved for both the Chase Sapphire Preferred and Sapphire Reserve Cards. As you can see, that means you’d probably need at least a 680 credit score to get approved.
But this isn't a hard-and-fast rule. There are certainly exceptions – especially if you have a history with Chase. But your best bet for getting approved is having a credit score of 700 or higher. If your credit score is below 680, your odds of getting approved aren't great.
Read More: What Credit Score Do You Need for the Chase Sapphire Preferred?
The Chase 5/24 Rule
The next thing you’ll need to be aware of is something called the Chase 5/24 Rule . And it can be a killer.
The Chase 5/24 rule is a restriction rolled out years ago in order to limit card applicants from opening credit cards for the sole purpose of earning the bonus rewards.
Here’s what it boils down to:
If you have opened five or more credit cards in the past 24 months from any bank ( not just Chase ), you will not be approved for Chase credit cards, regardless of your credit score or history with Chase Bank.
The rule does not count credit inquiries, but rather card products you have applied for and been approved for. That also means mortgages and other lines of credit don’t count.
The rule is not officially published through any of Chase’s platforms. Case in point: If you ask about it in a Chase branch or on the phone with a Chase customer service representative, employees have likely not heard of it.
There have been some signs lately that Chase is relaxing this rule, but it's still hit or miss. Still, your best chance at getting one of these Sapphire Cards is by being under that all-important 5/24 count.
Have You Earned a Chase Sapphire Bonus on the Preferred or Reserve Previously?
It’s not just the number of cards you’ve opened that could be a factor. Specific cards could rule you out from earning this bonus, too.
Chase does not allow you to hold the Chase Sapphire Preferred Card and the Chase Sapphire Reserve simultaneously . That means you will not be eligible to apply for the other one if you already have a Sapphire Preferred or Reserve card open.
Additionally, you will not be eligible for either card if you earned a sign-up bonus on the Chase Sapphire Preferred or Reserve in the last 48 months: four full years.
The four-year restriction starts from the date you earned the bonus points – not the date that you opened or closed either card. Still, that opens a window for travelers who've had either card for years to earn one of these bonuses.
Here's how you can earn another 75,000-point bonus on a Chase Sapphire Preferred or Reserve Card:
Cancel your Sapphire Card, and then reapply. It's generally a good idea to wait for at least a full billing cycle (four weeks) before applying again. You'll need to move quickly before these limited-time bonus offers end.
Or, downgrade your Sapphire card to one of the no-annual-fee Chase Freedom cards , and then reapply for either the Preferred or Reserve. Again, it may be best to wait for at least a full billing cycle before applying again.
Downgrading to one of the Freedom cards is a good option if you have Ultimate Rewards points in your account. If you close a Sapphire Card with a balance of Chase Ultimate Rewards points, they will be forfeited . Downgrading keeps them intact, though. Once you open a new Sapphire Card, you could then transfer those points back to redeem for travel or transfer them to partners.
Just keep in mind that when you reapply for a new Sapphire Card, you’ll still need to be under the Chase 5/24 rule and have a credit score high enough to get approved.
Read More: Master Guide to Credit Card Applications: All the Rules You Need to Know, Bank by Bank
Chase Sapphire Preferred vs. Reserve: Which is Best for You?
Determining which of these cards is best is a lot like asking a parent to pick their favorite child. It's an impossible task.
For most people, it'll be best to get started with the Preferred before upgrading later on down the road. You'll get access to all the same transfer partners and still have top-notch travel protections at a much more manageable $95 per year price point.
If you're a frequent traveler who values lounge access and the extra point-earning on travel purchases, maybe the Sapphire Reserve is the right choice for you. While the upfront cost of the Reserve card is much higher, with a $550 annual fee, the effective annual fee is only $250, after factoring in the annual $300 travel credit .
Read more: Which Chase Sapphire Card is Right for You?
Bottom Line
Chase is out with a brand new 75,000-point bonus on both the *chase sapphire preferred* and the *chase sapphire reserve* .
Those are the best bonuses we've seen on Chase's two best travel cards in a year or more. They're up from the standard offer of 60,000 points for the same spending requirement.
These are some of the best offers we've seen on the pair of Chase Sapphire cards. Just remember, these are limited-time offers – be sure to take advantage before they're gone!
Learn more about the *chase sapphire preferred*
Learn more about the *chase sapphire reserve*
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