100,000 Point Chase Sapphire Reserve Application Now Online!

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Doctor of Credit writes that the application for the Chase Sapphire Reserve Card is now online.

As I previously reported, the card will offer a 100,000 point signup bonus (after spending $4,000 on purchases in the first 3 months from account opening) and earning will be 3 points per dollar on all travel and dining.

I collected the information related to the Chase Sapphire Reserve credit card, it wasn’t provided or reviewed by Chase and I do not have my own links to the card at this time.

Card Benefits

The card has a $450 annual fee, but it also has a $300 travel credit. And you don’t need to use it just for bag fees or other ancillary fees. And there’s no messing around with gift cards to get the best value out of it. It’s an automatic credit against any travel spend — including airline tickets and even hotels. There’s also a $100 Global Entry credit.

You get a Priority Pass Select card for airport lounge access. And it’s a Visa Infinite, so comes with top card protections. Doctor of Credit walked through the details of those. Notable, like the Sapphire Preferred Card, it even includes primary collision for rental cars. There’s a shorter (6 hour) delay required before travel delay coverage kicks in as well.

Points transfer to the same airlines and hotels as the Chase Sapphire Preferred Card.

  • Airlines: United, Korean, British Airways, Singapore, Southwest, Virgin Atlantic, Air France
  • Hotels: Hyatt, Marriott, IHG Rewards Club, Ritz-Carlton

In addition, points can be redeemed towards paid travel at 1.5 cents each through the Ultimate Rewards web portal.

Who Can Get the Card?

This is the strongest premium ($450 annual fee) card for earning points. It doesn’t have the benefits of a Platinum Card by American Express which offers elite status with two hotel chains and much wider lounge access.

While there were hopes that Chase would be so aggressive with a new product that they’d open the doors wide no matter how many recent new credit cards you’ve signed up for, the majority of early reports suggest that it’s tough to get approved if you’ve had five or more new credit cards within the past 24 months.

If you want a great signup bonus, then, but have exceeded this threshold then you likely want the Ritz-Carlton Rewards® Credit Card which lets you earn 3 complimentary Ritz-Carlton hotel nights as a signup bonus (Full review here).

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.



  1. I got instant approval, which even before 5/24 didn’t always happen. I think I was turned down for the Freedom card twice before finally getting it. I was under 5/24 at either 2 or 3. Guess it was well timed that I had a reason to slow down on my applications lately. Basically, I didn’t see the value in more apps when I wasn’t putting a dent in my existing balances.

    Now, I can only assume that it won’t arrive before my trip on Saturday. But, we can hope.

  2. Gary – how confident are you this will get 100K bonus even though there is no official language stating as much?

  3. @Cory — why assume that? Just call and ask them to expedite it. I’ve only ever had trouble expediting the Marriott/RC cards. All of the other Chase cards I’ve gotten, I’ve just called and explained that I had a use for them and wanted to know if they could expedite delivery and they’ve always send it overnight or UPS 2-day free of charge. I don’t know on this particular card — if it’s full metal like the RC visa, maybe it’ll take a few more days, but I’d think they could expedite it by Saturday.

    For the record, the slowdown on the Marriott/Ritz cards seems to be a Marriott/Ritz thing. It takes like a week to verify your loyalty account with them for some unknown reason. Once that got done, they overnighted my RC card (but not the Marriott card as I knew I wasn’t going to be home anyway when that came, so I told them to just send it regular speed).

  4. @Nico
    I had heard in other blogs that expedited requests weren’t happening with this one because of how busy they are with this card.

    Is there a general phone number to call? I had sent a secure message requesting it to be expedited, in part because they are usually really good at responding to those.

  5. Have there been any reports from the people who got approved last week of gift cards being reimbursed as part of the $300 travel credit? thx

  6. This one does not have the $100 off air tickets for 2, is that correct? That benefit is only available with the Ritz card?

  7. Approved. Been declined for other chase cards in recent months. 750 score, and did select the major delinquencies. Recently closed one chase card account

  8. Apologies if this is a silly question, but about the 5/24 Rule: What if you haven’t “opened” five or more new cards in the past 24 months but “have/maintain” five current/open Chase Cards at present. Will that make someone ineligible to get a sixth (non Co-Branded) Chase Card and receive the Bonus?

    In short, is it about applications/openings within a certain timeframe, or is it about how many Cards you have open & maintain within a certain timeframe?

    I’d be very grateful for your feedback, thanks!

  9. I applied online for the United mileage plus credit card from chase 2 months ago and I was disapproved under the chase 5/24 rule. Today, I went into the a Chase bank and got instant approval for the Chase Sapphire Reserve, so I would recommending signing up for the Chase Reserve at a Chase bank to bypass the 5/24 rule.

  10. The application link makes absolutely no mention of a sign-up bonus, it only says…
    $300 annual travel credit
    3X points on travel & dining at restaurants
    1:1 point transfer to leading frequent travel programs
    24/7 direct access to customer service specialists

    There’s no way I would apply if the offer page doesn’t explicitly mention the 100,000-point bonus (and I normally print/save a PDF of the offer page as well as my application confirmation for my records).

  11. @Luke. Please click on the link above…

    – 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.*

    – That’s $1,500 toward airfare, hotels, car rentals and cruises when you redeem through Chase Ultimate Rewards®.

    – $300 Annual Travel Credit. Each year, automatically receive up to $300 in statement credits as reimbursement for travel purchases such as airfare and hotels charged to your card.*

    – 3X Points on travel and dining worldwide

    – Earn 3X Points on travel and dining at restaurants- from airfare and hotels to fine dining and cafés.*

    – Plus, earn 1 point per dollar spent on all other purchases.*

    – 50% more in travel redemption. Get 50% more value when you redeem for travel through Chase Ultimate Rewards.* For example, 100,000 points are worth $1,500 toward travel.

  12. Are these benefits extended to authorized users?
    – their own Priority Pass Select membership? btw, does PPS allow a free guest? Otherwise, what’s the guest fee?
    – roadside assistance?
    – National status?
    – Avis discount?
    – anything else that I might be missing?

    Sounds like a great card. So far I haven’t kept any of the $450 cards past the first year, but I’m really thinking of getting this one for the long term!

  13. Gary – Does it make sense to upgrade the CSP to the CSR without the 100K UR point bonus? I’ll have to wait about an year to get under the 5/24 rule so just wondering if the benefits with CSR are great enough to go ahead and upgrade even without the bonus.

  14. @Jay I would wait the year rather than upgrading. You’re (1) paying the incremental $55 fee net of the travel credit for triple points on air/dining [how much do you spend in those categories?] while (2) foreclosing the opportunity for the bonus a year from now.

  15. Gary – do you have any sense how long the 100,000 bonus will last? If there is huge demand for this card do you think they will decrease the bonus?

    Approved yesterday but asking for a friend. Thanks!

  16. I noticed the Chase travel redemption rate is 1.5 instead of 1.25 on the other UR cards. I realize this isn’t the most valuable use of UR points, but I use it sometimes. Can points from the other UR cards be transferred to this one for that purpose?

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