Personal Elevated Offer

Chase Sapphire Reserve

Sign-up bonus
Up to 125,000 Chase UR (in branch)
~$2,500 estimated value at 2¢/pt
Apply Now Doctor of Credit
The 125,000-point headline is the reported in-branch offer; confirm it with the banker before applying. The public online offer is 100,000 points after $6,000 in 3 months. The former 150,000-point referral offer is marked expired.

Offer Details

Spend requirement$6,000 in 3 months
Annual fee$795
Points currencyChase UR
Card typePersonal
Last verified2026-09-03

Eligibility Rules

  • Chase 5/24 — denied if you've opened 5+ personal cards in 24 months
  • Chase Sapphire eligibility — Chase may consider prior ownership, prior bonuses, and how many cards you have opened or closed; current terms do not state a fixed waiting period

What to know

  • Online: Chase currently offers 100,000 points after $6,000 in purchases within 3 months.
  • In branch: Doctor of Credit reported 125,000 points beginning June 15, 2026. This is not the public online offer, so confirm it with the banker before applying.
  • Referral: the temporary 150,000-point referral links were struck from DoC's update and that offer is now marked expired.
  • Eligibility: Chase no longer publishes a fixed 48-month Sapphire rule. Its current terms say the bonus may be unavailable based on prior ownership, prior bonuses, and the number of cards opened or closed.

Data sourced from Doctor of Credit and verified against official issuer pages. Last verified 2026-09-03.