The Chase Sapphire Reserve card currently offers a sign-up bonus of 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.
๐ Current Offer
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60,000 bonus points after spending $5,000 in the first 3 months from account opening โ directly from Chase.
๐ Value Estimate
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Via Chase Travel (1.5ยข/pt), the bonus is worth around $900 in travel credit.
๐ Eligibility & Restrictions
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48-month Sapphire rule
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Youโre only eligible if you havenโt received a Sapphire bonus (Preferred or Reserve) in the past 48 months.
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One Sapphire card at a time
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You cannot hold both Sapphire Preferred and Reserve simultaneously.
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5/24 rule
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Chase may decline if youโve opened 5+ personal cards across banks in the last 24 months.
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Also Read : Top 6 Apps to Make a Digital Business Card
๐ก Tips & Tactics
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Wait for a bigger bonus?
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The SapphireโฏReserveโs peak public bonus has been 100k (back in Jan 2017), with 80k appearing occasionally (last seen in 2022).
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Since June 2024, the bonus has settled at 60k โ so itโs unlikely to rise soon .
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Check for targeted offers
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Use CardMatch or check your Chase accountโs โJust for Youโ section for targeted bonus upgrades.
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Referral bonus
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Chase offers 10,000 points per referral, up to 100k points per year.
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โ Should You Apply Now?
| Situation | Recommendation |
|---|---|
| You havenโt had a Sapphire bonus in 48+ months | Apply now if you can meet the $5k spend in 3 months โ the 60k bonus is solid value. |
| You have had a bonus within 48 months | Youโre currently ineligible. Wait until the 48-month window closes. |
| You aim for a bigger bonus | Watch for public or targeted offers above 60k (80k occasionally), but thereโs no guarantee. |
| You refer friends | Earn additional points, on top of your bonus, via referrals. |
โณ Timing & Final Thoughts
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Chaseโs 48-month clock: The safest strategy is to check exactly when your last welcome bonus posted. Add 48 months on top of that date โ you’ll be eligible again after that.
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Great value today: 60k + $300 travel credit + premium perks is a compelling deal โ especially if you travel often and can meet the spending threshold.
Bottom line: The current signup bonus for Chase SapphireโฏReserve is 60,000 points after $5,000 in 3 months. Itโs the best public offer right now and worth considering if you’re eligibleโbut watch your 48-month timer and Chase’s 5/24 status first.
