Chase Sapphire Preferred vs Chase Sapphire Reserve Calculator

Intro Bonus and Eligibility

The Chase Sapphire suite of cards has dramatically updated application rules with the 2025 relaunch:

• Chase has officially removed the 48-month rule for Sapphire cards.
• Intro bonus limitations are no longer time-based (48-month lookback period for eligibility).
   

Once-Per-Lifetime Rule:

• You are now limited to receiving only one intro bonus per card.
• This applies to Sapphire cards, including: Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and Sapphire Reserve for Business℠.
• Once you have received an intro bonus for one of the cards, you won't be able to earn it again on the same card.
• This is retroactive (so if you've received a bonus for the Chase Sapphire Preferred® Card in the past, you won't be able to earn it again)
   

Active Sapphire Rule:

• If you're an active holder of any Sapphire card, you won't be eligible for the intro bonus of a different Sapphire product, even though you can hold both at the same time.
• For example, if you currently hold the Chase Sapphire Preferred® Card, you can apply and get approved for the Chase Sapphire Reserve®, but since you had an active Sapphire card, you won't be eligible for the bonus (even if you otherwise would be).
   

Past Sapphire Rule:

• If you were previously a Sapphire member but downgraded or canceled, you're eligible for other Sapphire bonuses, as long as you've never had that specific card before.
• For example, if you previously had the Chase Sapphire Preferred® Card and canceled it a few months ago, you're eligible for the Chase Sapphire Reserve® intro bonus (as long as you've never received an intro bonus for the latter).
• The system needs to recognize that you're no longer a Sapphire customer, and the best practice is to wait 1-2 weeks from downgrading or canceling (to avoid the risk of triggering the Active Sapphire Rule above).
• For example, if you have the Chase Sapphire Preferred® Card (ideally for 12+ months) but want the Chase Sapphire Reserve® (and to receive the intro bonus), then you should downgrade the former and wait ~2 weeks before applying for the latter.
   

Chase 5/24 Rule:

• The Chase Sapphire cards are affected by the Chase 5/24 rule.
• If you have opened more than 5 accounts from any credit card issuer in the past 24 months, you might not qualify for the card.