Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!
How to Get (and Maximize) the Chase Sapphire Preferred 100K Bonus
July 1, 2025
.webp)
The content on this page is accurate as of the posting date. Chase Sapphire Preferred® welcome bonus offers and eligibility requirements are subject to change. Terms apply.
What's the Offer?
Right now, new Chase Sapphire Preferred® Card cardholders can earn 100,000 Ultimate Rewards points after spending $5,000 on purchases within the first three months of account opening.
At Kudos' current valuations, those 100,000 points are worth approximately $2,050 — making this one of the most valuable welcome bonuses available on any travel credit card today.
There's no announced end date for this offer, and Chase has only extended a bonus this high a handful of times since 2021. If you've been on the fence, now is the time to move.
Is This Actually a Good Deal?
Yes — genuinely one of the best we've seen.
Here's the math: the minimum spend is $5,000 over three months, or about $1,667/month. The points you earn are worth over $1,000 at minimum when redeemed through Chase Travel, and potentially $2,000+ when transferred to airline and hotel partners. That's a 20%+ return on your spending threshold, before you factor in any ongoing earning.
For context, the Chase Sapphire Preferred normally offers 60,000–75,000 points. Getting to 100,000 is rare.
Am I Eligible?
Before you apply, run through this checklist:
- You don't currently hold the Chase Sapphire Preferred. If you do, you're not eligible for the welcome bonus.
- You haven't previously earned a welcome bonus on this card. Even if you no longer have it, a prior bonus disqualifies you.
- You're under Chase's 5/24 rule. If you've opened five or more credit cards (from any issuer) in the past 24 months, Chase will likely deny your application.
- You haven't received a bonus on the Chase Sapphire Reserve in the past 48 months — though as of January 2026, Chase updated its rules so holding the Reserve no longer automatically disqualifies you from the Preferred bonus.
If you're unsure about your card history, check Credit Karma or your credit report before applying.
Does the Annual Fee Count Toward the Spending Requirement?
No. The Chase Sapphire Preferred has a $95 annual fee, but fees don't count as purchases. Only actual purchases count toward the $5,000 minimum.
Also note: the three-month clock starts at account approval, not when your physical card arrives. Make sure you're tracking from the right date.
You can monitor your spending progress in the Chase app or on Chase's website.
[[ SINGLE_CARD * {"id": "509", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "Exceptional Travel Value"} ]]
Tips for Meeting the $5,000 Spending Requirement
$5,000 in three months works out to roughly $1,667/month. If your regular expenses don't quite get you there, a few approaches that can help:
- Shift all everyday spending (groceries, gas, dining, subscriptions) to the new card temporarily
- Pay your rent or mortgage with the card if your landlord or servicer allows it without a fee that offsets the benefit
- Time a large planned purchase (appliance, flight, home repair) to coincide with card opening
- Put business expenses on the card if applicable
Avoid manufactured spending or anything that incurs fees that negate the value.
What Can You Do With 100,000 Chase Points?
A lot. Chase Ultimate Rewards is one of the most flexible points currencies available. You have two main redemption paths:
Option 1: Redeem through Chase Travel Book flights, hotels, and experiences directly through Chase's travel portal at up to 1.75 cents per point (with Chase's Points Boost feature). That makes 100,000 points worth $1,750 toward travel.
Option 2: Transfer to airline and hotel partners Chase has 14 transfer partners, including:
- Air Canada Aeroplan
- United MileagePlus
- Southwest Rapid Rewards
- British Airways Executive Club
- Air France/KLM Flying Blue
- Singapore Airlines KrisFlyer
- Virgin Atlantic Flying Club
- World of Hyatt
- Marriott Bonvoy
- IHG One Rewards
Transferring to the right program at the right time can unlock outsized value — think business class flights or luxury hotel stays that would otherwise cost thousands of dollars out of pocket.
What If I Applied Recently at 75,000 Points?
There's some good news here. Readers who applied within roughly 10 days of the 100,000-point offer going live (mid-June 2026) have had success calling Chase to request a match to the current offer. It doesn't always work, but it's worth a call.
Chase's customer service number is on the back of your card. If you're denied and want to appeal, you can call the reconsideration line at 1-888-338-2586.
Can My Partner and I Both Get the Bonus?
Yes — as long as you both independently qualify. That means neither of you currently has the card, neither has earned a Sapphire welcome bonus previously, and both of you are under 5/24. If you can both meet the $5,000 spending requirements, you're looking at 200,000 points combined.
How Kudos Helps You Maximize This Card
Once you have your Chase Sapphire Preferred, Kudos helps you make sure you're always using it in the right place — and that you never miss a benefit.
- Kudos automatically recommends your best card at checkout, including when the Sapphire Preferred's bonus categories (travel, dining, online grocery, streaming) apply
- Kudos tracks your card benefits so you know what you've used and what's still on the table
- Kudos activates card-linked offers automatically, so you stack rewards without thinking about it
The Chase Sapphire Preferred is a cornerstone card for most travel rewards strategies. Pair it with Kudos and you'll get even more out of every dollar you spend.
Bottom Line
The Chase Sapphire Preferred's 100,000-point welcome bonus is one of the best credit card offers available right now. If you're eligible, the case for applying is strong: the annual fee is just $95, the points are genuinely flexible and valuable, and there's no telling how long this offer will last.
Check your eligibility, apply through Chase's official site, and let Kudos handle the optimization once your card is in your wallet.
Annual fee: $95. Welcome bonus requires $5,000 in purchases within 3 months of account opening. Terms apply. Points valuations based on Kudos estimates as of June 2026.
Unlock your extra benefits when you become a Kudos member
Turn your online shopping into even more rewards
Join over 400,000 members simplifying their finances
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
