Can You Get The 100k Chase Sapphire Preferred Bonus After Availing The Lower Offer?

You just applied for the Chase Sapphire Preferred® Card, hit the minimum spend, and started planning how to use your 60,000 Ultimate Rewards points. Then the news drops — Chase has launched a new, limited-time 100,000-point offer, the biggest bonus in years. You missed it by days, and it feels like a punch to the gut.

But there is good news. Many cardholders who applied under the lower offer have successfully asked Chase to match the new one. In this guide, we will show you how to do the same, who qualifies, what steps to follow, and why those extra 40,000 points are absolutely worth pursuing.

What Is the Chase Sapphire Preferred 100K Bonus?

As of April 2025, Chase is offering 100,000 Ultimate Rewards points to new cardholders of the Chase Sapphire Preferred card. To earn the bonus, you must spend $5,000 within the first three months of account opening. The annual fee remains $95.

This promotion is significant. Historically, the card has offered a 60,000-point bonus for a $4,000 spend. The current 100,000-point offer is rare and valuable. According to valuations from sites like The Points Guy and Frequent Miler, these points are worth at least $1,250 when used through the Chase Travel portal and can easily stretch further when transferred to travel partners.

That means this bonus alone could cover a roundtrip flight for two to Europe, a week-long stay in a Caribbean resort, or multiple domestic hotel stays. For families, it could mean free flights for the whole group. For solo travelers, it is a way to elevate your adventures from economy class to business.

What if You Applied Too Early?

Thousands of users were caught in a tricky spot. They applied for the Chase Sapphire Preferred card in late March or early April 2025, before the 100K offer launched on April 3. They received a lower bonus offer, typically 60,000 points for $4,000 in spend.

But all hope is not lost.

Chase has a history of offering what is known as a “bonus match”. If you applied just before a new, better offer went public, you can reach out to Chase and request to be matched to the current promotional offer. In this case, you would be asking them to raise your bonus from 60,000 to 100,000 points — as long as you are willing to meet the new $5,000 spending requirement.

Reports from readers of The Points Guy and Frequent Miler confirm that many applicants have been successful. While approval is not guaranteed, Chase has demonstrated flexibility and customer goodwill in situations like this.

How to Request a Bonus Match

The process is simple but requires you to act quickly.

1. Contact Chase: The fastest way is to call the number on the back of your card and speak with a customer service representative. Alternatively, you can send a secure message through your Chase online account. The secure message method is convenient and gives you a written record of your request.
   
2. Explain Your Situation: Politely tell the representative that you recently applied for the Chase Sapphire Preferred card and were approved under the 60,000-point bonus. Mention that you noticed the current public offer of 100,000 points and would like to request a match.
   
3. Be Ready to Meet the New Spend Threshold: If Chase agrees to match the offer, your required spend will increase from $4,000 to $5,000 in the first three months. You will need to make sure you can reach that total before your 90-day deadline.
   
4. Follow Up If Needed: Not all representatives will say yes. If your first request is denied, try again with a different agent or by using the other contact method. Persistence often pays off.

Do You Qualify for the Offer?

Even if you applied under a lower offer, there are still eligibility criteria you must meet to qualify for a bonus match or even for the 100K offer if you are planning to apply now.

1. The 48-Month Rule

You cannot receive the bonus if you have earned a new cardmember bonus on any Sapphire card (Sapphire Preferred or Sapphire Reserve) in the last 48 months. This is based on the date you received the bonus, not when you applied or opened the card.

If you are not sure when you received a previous Sapphire bonus, check your old statements or call Chase to confirm the date. If it has been more than 48 months, and you do not currently hold a Sapphire card, you are eligible.

2. No Current Sapphire Account

You must not be a current primary account holder on any Sapphire card. This includes the no-fee Sapphire card that was discontinued. However, being an authorized user on someone else’s Sapphire card does not disqualify you.

If you do currently hold a Sapphire card, you have two options:

• Cancel the card and wait at least a few days before applying.
  
• Product change the card to a Chase Freedom Flex or Freedom Unlimited card. This is recommended because it preserves your credit history and your Ultimate Rewards points.

Once the change is processed, you can then apply for the Sapphire Preferred card.

3. Under Chase’s 5/24 Rule

Chase uses an unofficial rule that applicants who have opened five or more credit cards from any issuer within the last 24 months will be denied for new Chase cards. This includes store cards and authorized user accounts in some cases.

If you are over 5/24 because of authorized user cards, you can still call the Chase reconsideration line and explain that you are not the primary cardholder on those accounts. Many applicants have been approved this way.

Why This Bonus Is Worth Pursuing

You might be asking yourself: Is it really worth the effort to go after those extra 40,000 points?

The answer is a resounding yes.

Here’s why:

• In the Chase Travel Portal, your 100,000 points are worth $1,250.
• When transferred to partners, they could be worth $2,000 or more.
• Real-life examples show that 100,000 points can cover:
  
• Four roundtrip tickets within the U.S.
• Two roundtrip economy tickets to Europe.
• A multi-night stay at a luxury resort in the Maldives.
• First-class Amtrak tickets for a scenic U.S. rail journey.
• Rental cars and cruises with zero out-of-pocket cost.

Moreover, the Sapphire Preferred card has excellent ongoing value, even beyond the welcome bonus. You earn:

• 5x points on travel booked through Chase Travel
• 3x on dining, select streaming services, and online grocery purchases
• 2x on other travel purchases
• 1x on everything else

It also includes valuable travel protections like trip cancellation/interruption insurance, primary car rental coverage, and lost luggage reimbursement.

Tips to Maximize the 100K Bonus

If you succeed in getting the 100K bonus, or if you apply under the current offer, make sure to use your points strategically. Here are a few tips:

• Use the Chase Travel Portal for simplicity and solid value. Your points are worth 25 percent more here.
• Transfer points to partners like Hyatt, United, or British Airways for outsized value, especially for international or premium class redemptions.
• Combine points with a household member. Chase allows household point transfers, which can help you pool rewards for a larger redemption.
• Avoid cashing out at 1 cent per point unless you absolutely have to. Travel redemptions provide significantly higher value.

If you recently applied for the Chase Sapphire Preferred card and missed out on the limited-time 100,000-point offer, you should absolutely take action. Chase has been known to honor request matches for applicants who were approved shortly before a major bonus increase.

The difference between a 60,000-point bonus and a 100,000-point bonus is significant. It can easily equate to hundreds of dollars or a once-in-a-lifetime travel experience. And while there are no guarantees, you have nothing to lose by asking.

The key is to act quickly, be polite, and be persistent. With a little effort, you may unlock one of the most valuable credit card bonuses of the year — and turn your everyday spending into unforgettable journeys.

This is not just about points. It is about possibilities.

And yours may be just a phone call away.