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)
   

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).
   

Chase Bonus Pop-Up:

Chase treats bonus eligibility for Sapphire Preferred and Sapphire Reserve separately. You generally cannot earn the same Sapphire card’s bonus again if you already earned it before, but you may be able to earn the other Sapphire card’s bonus if you have never earned that specific product’s bonus. Chase may still use application pop-ups or individualized eligibility checks, so review the application terms before submitting.
 

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.