AwardWallet receives compensation from advertising partners for links on the blog. Terms Apply to the offers listed on this page. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers.
There is little argument that the Chase Sapphire Preferred® Card is one of the best travel cards available. Practically every traveler could benefit from holding this card or its more expensive counterpart, the Chase Sapphire Reserve®.
One question on many people's minds is can you get the Sapphire Preferred if you're already an authorized user on someone else's account — or if you already received the bonus in the past? The short answer is: yes!
However, there are several other factors you'll need to consider before submitting your application. Let's dive into what you need to know.
Chase's 5/24 Status
The main thing you need to consider before applying for the Sapphire Preferred — or any Chase card, for that matter — is your 5/24 status. Chase infamously limits its customers to five new consumer accounts per rolling 24-month period.
That means if you've opened five or more personal credit cards in the last two years from any bank, it's likely that Chase will not approve you for a new card.
Note: Most business cards, including Chase business cards, do not add to your 5/24 count. They are subject to 5/24, however, meaning if you're over 5/24, Chase will not likely approve you for a personal or business card.
So, how does this apply to authorized users? Well…that's a little complicated. To determine your 5/24 status, Chase checks your personal credit report. This report includes accounts that you're an authorized user of. That can cause some issues in the application process. If your authorized user account(s) put you at or over 5/24, your application will likely be denied.
Thankfully, that's not necessarily the end of the story. If you think your authorized user accounts caused a Chase application denial, you can call Chase's reconsideration line at 1-888-270-2127 for personal cards and 800-453-9719 for business cards. Explain your situation to the customer service rep, and they can reconsider your application using your real 5/24 status.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
- 5X points on Lyft rides through March 2025
- 5X points on travel purchased through Chase
- 3X points on dining at restaurants worldwide
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
Chase Sapphire Approval Conditions
Chase's Sapphire cards have undergone several rounds of updates over the years. The good news is that Chase makes it pretty clear when an applicant is eligible for a new card and sign-up bonus.
One Sapphire Card Per Customer
The first significant update to the Sapphire family's T's & C's came in 2017. At that time, Chase added verbiage prohibiting customers from opening more than one Sapphire card.
If you hold a Sapphire Reserve, Chase won't approve you for a Sapphire Preferred. You'll need to downgrade your Sapphire Reserve to a non-Sapphire product first, then apply. That is, of course, provided you qualify under the next stipulation.
One New Sapphire Account Per 48 Months
The second major update came in 2018, much to the chagrin of Ultimate Rewards enthusiasts everywhere. At this point, Chase changed the terms limiting how often customers could receive signup bonuses for Sapphire products. Now, you're ineligible for a new Sapphire credit card (and, thus, the signup bonus) if you've received a signup bonus for another Sapphire card within the previous 48 months.
It's important to point out that this 48-month clock starts when you receive the signup bonus — not when you apply for the card. Say you applied for a Sapphire Reserve in March 2019 and received the signup bonus on May 12, 2019. That means you can't apply for another Sapphire credit card until at least May 12, 2023.
When you combine these two conditions, you get Chase's all-encompassing policy on Sapphire applications:
The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months.
So, if you received a Sapphire signup bonus within the last 48 months, you can't get a Sapphire Preferred now. That's regardless if you're a current Sapphire Preferred authorized user or not. Canceling the card won't reset the clock either, so make sure to keep it active if you want to have access to the many benefits it offers, like transfer partners and travel protections.
Timing your application for the Sapphire Preferred can make all the difference with rules like 5/24 and 48 months between bonuses. If you're an authorized user on someone else's Sapphire Preferred, getting your own is still possible. In fact, with its current 60,000-point sign-up bonus, now could be the perfect time to do so.
Just make sure you qualify for the card under the rest of Chase's terms and conditions.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.