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Chase Sapphire Preferred® Card: Earn 100K Bonus Points After You Spend $5k in the First 3 Months Expired

+98 Deal Score
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Earn 100,000 bonus points after $5,000 in purchases in your first 3 months from account opening with the Chase Sapphire Preferred® Card. Annual fee is $95.

Card Details:


Rates & Fees

Read our review on the Chase Sapphire Preferred® Card

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Edited May 16, 2025 at 09:28 AM by
Earn 100,000 bonus points after $5,000 in purchases in your first 3 months from account opening with the Chase Sapphire Preferred® Card. Annual fee is $95.

Card Details:
Earn 1000,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase TravelSM
10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Member FDIC

Rates & Fees

Read our review on the Chase Sapphire Preferred® Card

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Deal
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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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For those who only want cash, not points:

$1000 cash back less:
- $95 annual fee
- $50-100 opportunity cost for spending $5000 on a card that only gives 1%cb when you could have gotten 2-3%cb.

Still over $800 tax-free profit. Not bad at all.

Considering it. I have one more application before I hit chase 5/24, then wait for a boosted amex gold or platinum bonus.

Any 0% apr period on this?

Will they treat a tax payment at pay1040 as a cash advance? Most credit card vendors treat it as a purchase.
The offer is supposed to be available online starting 04/03.
Not only is it in OP's message, it's also in the subject. Good grief.

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Joined Apr 2012
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NMIMW
04-21-2025 at 04:37 PM.
04-21-2025 at 04:37 PM.
Quote from Lilyly :
trying to figure out how to reach $5k. how are you guys reaching $10k?
I'm paying for cruises (2x points). And as a bonus, CSP has good travel insurance.
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Joined Feb 2020
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MagentaVest421
04-21-2025 at 04:59 PM.
04-21-2025 at 04:59 PM.
My wife applied and was approved but forgot to ask about the SUB. Does anyone know a way to check on our account?
Reply
Joined Nov 2019
VIP Member
> bubble2 14,630 Posts
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Lilyly
04-21-2025 at 05:02 PM.
04-21-2025 at 05:02 PM.
Quote from localHero :
Look for anything you can pay without fees. Insurance bills, tax bills, utilities, etc. If nothing else, Staples runs a recurring offer for $200 Visa or Mastercard gift cards without fees so you can stock up on them.
my tax guy said irs doesnt take cc. i told him people here pay with paypal and such. he still said no
bank checking only. so that option was gone.
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Joined Nov 2019
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Lilyly
04-21-2025 at 05:03 PM.
04-21-2025 at 05:03 PM.
Quote from NMIMW :
I'm paying for cruises (2x points). And as a bonus, CSP has good travel insurance.
yes. that would be a great option but no vacation anytime soon within next 90 days
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Joined May 2006
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> bubble2 128 Posts
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zeno
04-21-2025 at 05:09 PM.
04-21-2025 at 05:09 PM.
Quote from MagentaVest421 :
My wife applied and was approved but forgot to ask about the SUB. Does anyone know a way to check on our account?
On Chase App, under this credit card, there is a section called "New account bonus". It will tell you how much you still have to spend and what is deadline.

This section appeared about one day after the new credit card showed up in Chase App. It is between "Spending planner" and "Refer a friend".
Reply
Last edited by zeno April 21, 2025 at 05:16 PM.
Joined Sep 2009
L10: Grand Master
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Knightshade
04-21-2025 at 05:26 PM.
04-21-2025 at 05:26 PM.
Quote from Lilyly :
my tax guy said irs doesnt take cc

You really need a new tax guy if he's that ignorant- scary to think how many other basic things he's also getting wrong.

https://www.irs.gov/payments/pay-...redit-card

Quote from The IRS website itself :
The IRS uses third party payment processors for payments by debit and credit card. It's safe and secure; your information is used solely to process your payment.

Will paying by card or digital wallet work for you?
You can pay online or over the phone (see Payment Processor contact information below for phone payments)
You can pay using digital wallets such as PayPal and Click to Pay
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Joined Mar 2010
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BMWBig6
04-22-2025 at 06:08 AM.
04-22-2025 at 06:08 AM.
Quote from fbueller :
It's from when you opened it, which in my case was well over 48 months. I can cancel, wait 7 days, reapply for CSP. But I want CSR again for my 200k+ existing points.

Quote from brianl0202 :
I have a regular Chase Sapphire (downgraded from preferred a few years ago) Can I cancel it and then apply for the Preferred? Do I need to wait a certain amount of time after I cancel?
I am already outside the 48 months and have this question too. Some online threads claim waiting 30 days, but a few say only 7 days. Not sure which is accurate.
Reply
Last edited by BMWBig6 April 22, 2025 at 06:22 AM.

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Joined Sep 2009
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Knightshade
04-22-2025 at 06:22 AM.
04-22-2025 at 06:22 AM.
Quote from BMWBig6 :
I have this question too. Some online threads claim waiting 30 days, but a few say only 7 days. Not sure which is accurate.
Several folks- myself included- had no issue applying for this card one week after [B]downgrading]/B] their previous sapphire (that had had its bonus issued more than 48 months ago).

Which is what you should be doing, not cancelling the old card, since you also get your AF prorated back to you, and get to add another useful card to your collection with a freedom (or another freedom or flex)
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Joined Mar 2010
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BMWBig6
04-22-2025 at 06:23 AM.
04-22-2025 at 06:23 AM.
Quote from Knightshade :
Several folks- myself included- had no issue applying for this card one week after [B]downgrading]/B] their previous sapphire (that had had its bonus issued more than 48 months ago).

Which is what you should be doing, not cancelling the old card, since you also get your AF prorated back to you, and get to add another useful card to your collection with a freedom (or another freedom or flex)
Thanks. So it's 7 days after downgrading, not canceling. I already downgraded my first Sapphire to a Freedom Unlimited and still have it, not sure I need another.
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Joined Nov 2006
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jclyon41
04-22-2025 at 06:29 AM.
04-22-2025 at 06:29 AM.
Quote from Lilyly :
trying to figure out how to reach $5k. how are you guys reaching $10k?
Took my wife on a trip for her birthday LMAO
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Joined Sep 2009
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Knightshade
04-22-2025 at 06:43 AM.
04-22-2025 at 06:43 AM.
Quote from BMWBig6 :
Thanks. So it's 7 days after downgrading, not canceling. I already downgraded my first Sapphire to a Freedom Unlimited and still have it, not sure I need another.

You don't need another freedom unlimited- since it's 1.5x on everything with no limit.

You probably DO need a Freedom or Freedom Flex (5x on $1500 spend per quarter in common rotating categories- plus 3x on dining, online grocery, and drugstores for the flex on top of that). Even if you already have one a second gets you another $1500 cap to use (and you can move that spend to other quarters via gift cards for most categories).


Edited to add explanation on what I mean with the GC thing... lets say the quarterly category is gas stations. But you don't spend more than $1500 in a single quarter. You instead max out the $1500 limit on all your (non unlimited) freedom cards by buying gas station gift cards (or, esp. for gas stations, many sell gift cards to OTHER places too). You still get the 5x on all that spend, even if you use the gift cards in a later quarter.... and you can do the same for a quarter where they include warehouse clubs, or grocery stores, etc...
1
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Last edited by Knightshade April 22, 2025 at 06:46 AM.
Joined Apr 2012
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NMIMW
04-22-2025 at 06:59 AM.
04-22-2025 at 06:59 AM.
Quote from Knightshade :
Which is what you should be doing, not cancelling the old card, since you also get your AF prorated back to you,
I was told that the AF is only prorated if within 3 months of being charged. I missed it by 1.5 months. Frown

Quote from Knightshade :
You don't need another freedom unlimited- since it's 1.5x on everything with no limit.

You probably DO need a Freedom or Freedom Flex (5x on $1500 spend per quarter in common rotating categories- plus 3x on dining, online grocery, and drugstores for the flex on top of that).
To clarify, Freedom Unlimited also has 3x dining and drugstores.
Reply
Joined Sep 2009
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> bubble2 15,329 Posts
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Knightshade
04-22-2025 at 07:26 AM.
04-22-2025 at 07:26 AM.
Quote from NMIMW :
I was told that the AF is only prorated if within 3 months of being charged. I missed it by 1.5 months. Frown

It's refunded if you cancel within 30 days of AF posting (I think it's technically like 41 or something) but it's always prorated for a downgrade-- but the internet seems to generally think it's prorated beyond that if you downgrade later-

https://www.reddit.com/r/CreditCa...ee_if_you/

https://travel-on-points.com/annu...ank/#Chase

But I've no personal data points on this (I will sometime in the next 4-6 weeks I suppose since I downgraded my CSR outside 30 days for this deal).

Possibly someone else who did this recently (but not as recently as I) has current info?

Either way downgrading is generally better than cancelling for the spending cap reasons, extending avg. age of credit, keeping utilization overall low, etc...


Quote from NMIMW :
To clarify, Freedom Unlimited also has 3x dining and drugstores.
Sure, but since there's no spend cap there's no benefit to having more than one of them.... unlike the Freedom and Freedom Flex where you gain another quarterly $1500 5x point cap for each one you have in the rotating categories.
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Joined Nov 2010
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neo_ny
04-22-2025 at 07:28 AM.
04-22-2025 at 07:28 AM.
If you sign into your existing Chase account to apply, no where on there does it show the sign up bonus info? Is it that way for everyone?
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Joined Jun 2023
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SatchBoogie1
04-22-2025 at 07:32 AM.
04-22-2025 at 07:32 AM.
Quote from SicBoy34 :
I think cards typically come in completely unmarked envelopes. I might be wrong there, I haven't received a new card in quite a while.
Just updating. It was a letter saying I needed to call to verify my info. The agent was pleasant to deal with. I was approved after a few minutes on the phone. So it took about eight days for approval. I could have probably called sooner to verify since the letter was postmarked on April 15.
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