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Information related to the Chase Sapphire Reserve credit card was collected by me, and wasn’t provided or reviewed by Chase. I do not have my own links to the card at this time.
Apparently Chase in some cases will make pre-approved offers for the card that is offering a 100,000 point signup bonus (after spending $4,000 on purchases in the first 3 months from account opening) inside their branches to people who would otherwise be turned down (and even who have been turned down already) applying online.
Here’s Doctor of Credit explains how you may be able to get Chase Sapphire Reserve with more than 5 new cards in the past 24 months by:
[r]eceiving a pre-approval in branch for the card (you can literally just ask if you have any pre-approval offers). A lot of readers let us know they were successfully approved for the card when they did this:
I don’t think I’ve seen any denial data points (at least on this site) for people that were pre-approved.
It’s worth going to a Chase branch if there’s one near you, or where you travel, and asking if there are any pre-approved offers they’re willing to give you.
While there are a number of factors that go into whether you’re approved for a given credit card (and credit score, income, and other credit outstanding are only some of those), for whatever reason Chase may be willing to pre-approve people for a card in-branch that they wouldn’t be willing to approve online. Sometimes these things can be a bit of a black box, but the reported consumer data points are worth knowing.
As I suggested yesterday though if you want a great signup bonus but have had 5 or more new cards in the past 24 months and may not be approved for Sapphire Reserve 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).