What is the 4 year rule for Chase Sapphire?
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The "4 year rule" for the Chase Sapphire cards was a previous restriction on eligibility for a new welcome bonus. However, this rule has been officially removed and replaced with a new "once-per-lifetime" bonus policy per product, as of changes made in June 2025.
What is the 4 year rule for Sapphire?
The four-year rule for Chase Sapphire Reserve® used to prevent you from getting another initial bonus from any Chase Sapphire card if you've received one within the past 48 months. Chase Sapphire Reserve's initial bonus is 125,000 points for spending $6,000 in the first 3 months.
Is Chase getting rid of the 48 month rule?
Chase has removed the one Sapphire card limit and the 48-month rule. But if you hold both cards, you'll only get one bonus, unlike Amex. Think ahead about which card you'll apply for next! #ChaseSapphire #CreditCard #TravelRewards #CreditCardPoints.
How much is 125000 Sapphire Reserve points worth?
TPG values 125,000 Chase points at over $2,500 (per our August 2025 valuations) when you redeem them through transfer partners such as those mentioned above. You can squeeze a whole lot of travel from one card bonus.
What is the 5 year rule for Chase?
In the points and miles world, a mention of the infamous 5/24 rule is sure to follow whenever a Chase card comes up. Essentially, this refers to the unofficial rule that Chase won't approve a credit card application for someone who has opened five or more new credit cards from any issuer in the past 24 months.
Chase Sapphire Preferred vs Reserve (2025 Updates Explained)
What is the credit card limit for $70,000 salary?
The credit limit you can expect for a $70,000 salary across all your credit cards could be as much as $14000 to $21000, or even higher in some cases, according to our research. The exact amount depends heavily on multiple factors, like your credit score and how many credit lines you have open.
How to get Chase Sapphire Preferred annual fee waived?
The only way you may get the Chase Sapphire Preferred card's $95 annual fee waived is if you're an active servicemember and you check that box on the application.
Do Sapphire points ever expire?
Eligible cards earn you points for eligible purchases that you can use toward travel, gift cards or merchandise from select retailers. You can also choose to redeem your points as cash back. And the best part — Your points don't expire.
How to get 100,000 bonus points for Chase Sapphire?
Refer friends if you already have a Chase Sapphire Preferred® Card! Earn up to 100,000 bonus points per year. You can earn 15,000 bonus points for each friend who gets any participating Chase Sapphire® credit card.
What's the hardest Chase card to get?
The hardest Chase credit card to get is Chase Sapphire Reserve® because it requires a credit score of at least 750 for high chances of approval. This means you need to have excellent credit to get the Chase Sapphire Reserve card, along with plenty of income.
How to justify Chase Sapphire Reserve annual fee?
Four benefits can justify the annual fee
- The $300 annual travel credit. Chase touts this as “the most flexible travel credit available,” and for good reason. ...
- The $500 annual hotel credit. ...
- The $300 annual dining credit. ...
- $300 annual StubHub credit.
Is Chase Sapphire once per lifetime bonus?
You can now only earn the bonus for each Sapphire card once in your lifetime. If you've ever received a bonus on the Sapphire Preferred, you can't get it again—even if it was years ago. The same applies for the Sapphire Reserve and Sapphire Reserve for Business.
What salary do you need for Sapphire Preferred?
The Chase Sapphire Preferred Card requires an annual income of at least $30,000, according to user reports. Chase doesn't publicly disclose the Sapphire Preferred Card's income requirements, but you can apply for the card if you meet the credit score requirement, are at least 18 years old, and have an SSN or ITIN.
Can I have two Chase credit cards?
Yes, you can have more than one credit card from the same company. It's not only possible, but it can be a great way to deepen your relationship with one specific bank and take advantage of their card rewards and benefits.
What is the new Chase Sapphire rule?
Policy has changed. Beginning June 23, 2025, Chase will allow customers to apply for the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® even if they already have one of these cards. Previously, the issuer had a policy preventing cardholders from applying for multiple cards in the Chase Sapphire family.
How much is 100,000 points worth on Chase Sapphire?
How much are 100,000 Chase rewards points worth? The math is the same as above, so 100,000 Ultimate Rewards points are typically worth at least $1,000.
What are the disadvantages of Chase Sapphire Preferred?
The Chase Sapphire Preferred isn't a perfect card. It doesn't have the high-end perks (like airport lounge access) that more expensive cards do, and its rewards rates are lackluster outside of travel and dining purchases.
What are the new benefits for Chase Sapphire in 2025?
New to the card as of June 2025 are: Points Boost, which increases the value of your points on select trips booked through Chase TravelSM up to 2X. Up to $500/year credit for The Edit. Up to $300/year credit for Sapphire Reserve Exclusive Tables.
What is the 2:30 rule for Chase?
2/30 Rule. The 2/30 rule says that you can only have two applications every 30 days or else you'll automatically be rejected. If you don't have a high credit score (700+), your chances of getting approved for the Chase Sapphire Reserve® is slim.
Which airlines partner with Chase?
Chase transfer partners include:
- Airlines: AerClub, loyalty program of Aer Lingus. The British Airways Club. Air France KLM – Flying Blue. Iberia Club. JetBlue TrueBlue. Singapore Airlines KrisFlyer. Southwest Airlines Rapid Rewards. ® United MileagePlus. ® ...
- Hotels: IHG ® One Rewards. Marriott Bonvoy™ World of Hyatt. ®
How expensive a flight can 60,000 Chase Sapphire points get you?
If you have the Chase Sapphire Preferred or Ink Business Preferred, your points are worth 1.25 cents apiece, while it goes up to 1.5 cents apiece with the Chase Sapphire Reserve. So 60,000 Ultimate Rewards points would be worth $750 in travel, depending on which card you have.
How to not pay Chase Sapphire annual fee?
Chase may waive your annual fee if you call and make a case for financial hardship. Chase may waive the annual fee if you contact customer service at (800) 945-2000 and request a fee waiver.
Will cancelling hurt my credit score?
While you may have a good reason to cancel your card, don't expect it to improve your credit score. Canceling an account can lower the average length of your credit history and increase your credit utilization, both of which can have a negative impact on your score.
How to negotiate credit card annual fee?
Here are a few potential ways to persuade an issuer to waive your fee:
- Call your issuer. ...
- See if your issuer will waive the fee in exchange for card usage. ...
- Ask your issuer to match another offer. ...
- Ask to cancel. ...
- Use military benefits. ...
- Switch to a different card. ...
- Earn rewards to offset the fee.