Chase Sapphire bonus eligibility
Each personal Sapphire card (Preferred and Reserve) now carries its own once-per-card bonus rule: the bonus may not be available if you currently hold that card, previously held it, or received its new-cardmember bonus before. Chase may also weigh how many cards you have opened and closed. The old 48-month rule and the old ban on holding both Sapphires ended in June 2025.
Issuer terms: this rule's wording comes from the issuer's own application terms or support pages, linked below.
Key takeaways
Each personal Sapphire card (Preferred and Reserve) now carries its own once-per-card bonus rule: the bonus may not be available if you currently hold that card, previously held it, or received its new-cardmember bonus before. Chase may also weigh how many cards you have opened and closed. The old 48-month rule and the old ban on holding both Sapphires ended in June 2025.
Anyone applying for a Chase Sapphire Preferred or Sapphire Reserve. Holding one Sapphire no longer blocks the other card's bonus; each card is judged on its own history.
Who it applies to
Anyone applying for a Chase Sapphire Preferred or Sapphire Reserve. Holding one Sapphire no longer blocks the other card's bonus; each card is judged on its own history.
How to count
- Pick the exact Sapphire card you want: Preferred and Reserve are judged separately.
- If you currently hold that card, you cannot open a second copy of it.
- If you previously held it or earned its bonus, expect the bonus to be unavailable; Chase shows an eligibility pop-up before you submit.
- A product change to a Sapphire card earns no new-cardmember bonus.
Calculator (estimate)
Answer the questions below. The result is an estimate, not an approval decision.
This page is general information. Issuer rules change without notice, and actual approval is decided by the issuer's underwriting. Read the terms on the card you are applying for before you apply.FAQ
Can I hold both the Sapphire Preferred and the Sapphire Reserve?
Yes, since June 2025. The old rule that blocked holding both is gone; each card's bonus is judged separately.
Does waiting 48 months restore Sapphire bonus eligibility?
No longer, on its own. The 48-month clock ended in 2025; the current terms use discretionary once-per-card language instead.
Sources
- AwardWallet — Sapphire Preferred and Reserve bonus eligibility rules (quotes current Chase terms)
- One Mile at a Time — Chase Sapphire Reserve bonus rules
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