Chase Sapphire Preferred 100K Bonus (2025): How to Claim Before It’s Gone!

Let’s be real – credit card offers come and go, but the Chase Sapphire Preferred® Card 100K bonus? That’s the holy grail of travel rewards right now. As someone who’s booked first-class flights to Tokyo and weeklong hotel stays purely on points, I can tell you this offer is legit. But here’s the kicker – it probably won’t last much longer.

In this guide, we’ll cover:
✔ Exactly how to snag the Chase Sapphire Preferred 100k bonus (including a sneaky trick to qualify if you’re close to the 5/24 rule)
✔ How to maximize those 100,000 bonus points (my personal redemption just got me $2,100 in value)
✔ The real difference between Preferred and the Chase Sapphire Reserve® (one is clearly better for most people)

I’ll even throw in some embarrassing stories about my first points redemption fails so you don’t make the same mistakes. Ready to turn plastic into premium travel? Let’s go.

Why Everyone’s Obsessed With the Chase Sapphire Preferred

I remember when I got my first Chase Sapphire Preferred card back in 2018. The 60K bonus felt amazing – but this 100K offer? It’s next-level. Here’s why this card should be in your wallet:

• 100,000 points = $1,250 in travel through Chase Ultimate Rewards® (or way more if you’re smart)

• $95 annual fee (that’s like one checked bag fee on United)

• 2X points on all travel and dining (yes, that includes Uber Eats and food trucks)

But here’s what most blogs won’t tell you: Chase has been quietly reducing bonuses across their cards. Last year they cut the Sapphire Reserve offer – the Preferred could be next.

Pro Tip: Check your credit score before applying. You’ll typically need 700+ to get approved.

Step-by-Step: How to Get the 100K Bonus (Without Getting Denied)

1. The Magic Application Window

Chase is weird about applications. Apply:

• Mid-morning on weekdays (underwriting teams are fresher)

• At least 6 months after your last Chase card

• When you’re under 5/24 (more on this below)

Personal story: My friend applied at 11 PM on a Saturday and got stuck in “pending” for weeks. Don’t be like Mike.

2. The Infamous 5/24 Rule (And How to Beat It)

Chase won’t approve you if you’ve opened 5+ cards in 24 months. But loopholes exist:
✔ Business cards don’t count (look into Chase Ink cards)
✔ Being an authorized user sometimes slips through
✔ Product changes don’t trigger it

3. Hitting That $4,000 Spend (Without Going Broke)

$4K in 3 months sounds scary until you try these:

• Prepay your car insurance (6 months upfront)

• Buy grocery gift cards (you’ll use them anyway)

• Venmo friends (with the 3% fee, it’s worth it for the bonus)

Hot tip: Set your card as the default payment for all subscriptions – those $9.99 charges add up fast.

Turning 100K Points Into First-Class Trips

Here’s where most people mess up. They take the 1.25¢ redemption when they could be getting 2-5¢ per point.

Best Transfer Partners

Real example: I transferred 55K points to Hyatt for a $2,300 stay at the Park Hyatt Paris. That’s 4.2¢ per point!

Worst Ways to Use Points

❌ Amazon purchases (0.8¢ value – criminal!)
❌ Statement credits (1¢ – just…no)
❌ Basic economy flights (you deserve better)

Sapphire Preferred vs. Reserve: The Ultimate Showdown

I’ve carried both cards for years. Here’s the brutal truth:

When to Choose Preferred

• You want the bigger bonus (100K vs Reserve’s 60K)

• **$95fee\ast \ast fitsyourbudgetbetterthan$550

• You’ll transfer points to Hyatt/United

When Reserve Makes Sense

• You spend $300+ monthly on travel (the credit covers the fee)

• Airport lounges matter to you (Priority Pass is clutch)

• You value 1.5¢ portal redemptions

My take? Start with Preferred, then upgrade after year one if it makes sense.

FAQs (Stuff People Are Too Embarrassed to Ask)