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

Is this possible to have a friend 'REFER' you? Or is that not a thing for the 100k offers?

Go to the branch, my banker waived it for me by depositing $95 in my account

Note you can get much better value transferring the points to airline or hotel partners... for example transfers to Hyatt typically yield 2-2.5 cents a point in cash equivalent value.

For airline transfers if you're doing premium bookings (ie business or first) you can often get 4-6 cents a point or more... (coach is more variable but many flights you can still get in the 2-2.5 cent range via transfers rather than the 1.25-1.5 in the portal).

Note the airline transfer thing will require a little bit of research on your part to max value, and a bit more flexibility in your schedule- so the value for coach fares might be YMMV, but it's pretty massive for business class (and it's easily better, with little to no extra work or schedule concerns, for Hyatt)



See above- redeeming via the portal is usually the worst value compared to transfers.





While there's no official 100k referral today-- but in theory you can use a lower referral then after approval PM Chase to ask them to match the 100k offer-- Chase generally matches higher offers within 30 days and there's many reports of them already doing this in this 100k case-- but if you don't want to risk it wait till the 8th and see if the rumors about a "real" 100k referral going live then are true.





Yes, both reserve and preferred holders can generate referral links that let the recipient apply for either card.




No- it's 48 months from when you received your last Sapphire sign up bonus

Does anyone know if you need to wait the entire 3 month period to receive the SUB points?

What if you hit the 5K spend in the first month? Do the SUB points show up after that billing cycle? Or you still need to wait the three months regardless?

Check the date you got the card itself. You can see that on one of your credit reports. (Experian app is free to use and shows all your card dates.)

Then calculate 3 months from when you got the card. 6 months to be extra safe, in case you had taken the higher offer they sometimes give for higher spend in 6 months instead of 3.

Downgraded from CSP to Freedom with UR on 3/29 and reapplied when it showed as an option in the app which was today (4/4) and was approved immediately.

Tried to apply in branch. Got rejected because my spouse received a Sapphire signup bonus 45 months ago. I was not an authorized user on my spouse's card. They can't find a workaround.