How to Get Approved for Chase Sapphire Reserve

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Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

Since the launch of the Chase Sapphire Reserve card, we’ve learned a lot about how folks can increase their chances of an approval.

There’s no guaranteed formula.  But with certain credit scores, credit history, and income, you’re more likely to get the card.

We know Chase’s tougher application rules apply to the Sapphire Reserve.  But there are exceptions to get approved, even if you’ve had lots of cards.  And that’s great news for folks looking to get Big Travel with Small Money!

Chase Sapphire Reserve Approval Tips

Whether You’re Planning a Trip to New York or Europe the Sapphire Reserve Is an Amazing Card to Add to Your Wallet. But You’ll Want to Know Some Tips Before Applying!

We don’t receive a commission for this offer but I still want to increase your odds of getting the Sapphire Reserve card!

Why Apply for the Chase Sapphire Reserve?

Link:   My Review of the Chase Sapphire Reserve

The 100,000 point sign-up bonus offer is the highest public sign-up bonus I’ve ever seen on a card that earns Chase Ultimate Rewards points!  And Chase Ultimate Rewards points are my favorite kind of points!  Because they’re very flexible and valuable with airline and hotel transfer partners.

With the card, you also get:

  • 3X Chase Ultimate Rewards points on travel & dining
  • 1X Chase Ultimate Rewards points on all other purchases
  • $300 annual credit for travel purchases such as airfare and hotels
  • $100 statement credit for Global Entry
  • Priority Pass Select for access to airport lounges
  • No foreign transaction fees
  • Visa Infinite benefits like $25 food and beverage credit at the Luxury Hotel Collection and complimentary car rental elite status with Silvercar

The card has a $450 annual fee, which is NOT waived for the first year.  But you can earn the $300 annual credit each calendar year.  This means you’ll essentially get a $150 profit by just paying 1 annual fee.

Sapphire Reserve Approval Tips

Chase doesn’t publish a list of requirements to get the Sapphire Reserve card.  But our terrific Million Mile Secrets readers and users on Reddit have given us thousands of data points about folks who have been successful getting the card.

With that said, Chase will review each application on its own merits.  So I can’t promise you’ll be approved.

And remember to be honest when filling out your application!

Here’s what we know.

1.   Credit Score and Credit History

Most folks who have been approved for the Sapphire Reserve say their credit scores are above 700.  I read comments from a few folks who were approved with a credit score around 685.

Keep in mind there are 3 main credit bureaus that provide credit scores in the US – Equifax, TransUnion & Experian.  Chase will pull your credit score from one of the providers based on the state you live.

Chase Sapphire Reserve Approval Tips

Your Credit Score and History Will Be Important Factors When Chase Reviews Your Application for the Sapphire Reserve

Besides your score, Chase will analyze your credit history.  They’ll look to see if you’ve made payments as required on other credit card accounts and loans in the past.  And assess your credit utilization rate, or how much credit you use each month with your existing credit cards.

Some folks were approved without extensive credit history.  For example, one person had their first credit card 11 months ago.  So you don’t necessarily need to have years of history to get approved.

2.   Income and Housing Expenses

Your income is a very important part of your credit application because it shows Chase your ability to pay back debt.  We know the minimum credit line on the Sapphire Reserve is $10,000.  So your application will have to support that credit limit.

There’s also a cap on the total amount of credit Chase will extend to you.  So if you already have a few cards with Chase, you might have to call to adjust your credit limits to get approved.

That said, I read about 2 graduate students getting approved with an annual income of $20,000.  But the majority of folks approved reported annual incomes above $60,000.

Chase Sapphire Reserve Approval Tips

Even Graduate Students Without a Huge Income Can Be Approved for the Chase Sapphire Reserve

Keep in mind you can include your total household income on your credit application.  So if you’re married, you can list income for you AND your spouse.

Along with your income, Chase will assess your housing expense.  Because they want to make sure you have enough cash flow after your rent or mortgage payment to pay your credit card statement.

This means a graduate student with lower income and no housing payment could get approved.  While someone with more income and a higher housing expense might not get approved.

3.   Better Approval Chances for Folks Without Lots of Credit Cards

Chase confirmed the Sapphire Reserve is impacted by the “5/24” rule.  So folks who have had FEWER than 5 credit cards from any bank (not counting these business cards) in the past 24 months have a much better chance of getting approved.

Here’s how to check how many credit cards you’ve opened.

Chase Sapphire Reserve Approval Tips

Getting Approved for the Sapphire Reserve Will be Tougher for Folks With 5 or More New Credit Cards in the Past 24 Months

In many cases, folks without many recent cards who have good credit scores and sufficient income are instantly approved online or in-branch.

And readers have said the Sapphire Reserve is their first Chase credit card.  So having a previous Chase card is NOT a requirement.

4.   Apply In-Branch If You’re Impacted by 5/24 Rule

There are still exceptions for folks getting approved for the Sapphire Reserve even if they’ve had more than 5 cards in the past 24 months.

Emily learned from her banker that you could be pre-approved for the Sapphire Reserve when your apply in-branch.  This will increase your probability of getting approved instead of applying online.

Or you can inquire with a Chase banker about getting Private Client status.  Because we know that you can get special consideration with this upgraded banking status.

Bottom Line

Chase will review your credit score, credit history, and income when you apply for the Sapphire Reserve.  Folks have reported approvals with credit scores in the 700 range and annual incomes above $60,000.  But I also saw 2 graduate students were approved with $20,000 of income.

Folks without lots of new cards who have sufficient incomes and good credit scores can get approved instantly online or in-branch.

If you’ve had more than 5 credit cards from any bank in the past 24 months, you’ll want to see if you’re pre-approved and apply in-branch.

We don’t receive a commission for this offer.  But we want you to experience Big Travel with Small Money so we’ll always tell you how to get approved for the best cards!

If you don’t qualify for the Chase Sapphire Reserve, you want to explore my review of the 100,000 point offer on the American Express Business Platinum instead.

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17 responses to “How to Get Approved for Chase Sapphire Reserve

  1. You might want to reconsider this sentence:

    “But you can earn the $300 annual credit in 2016 and again in early 2017!”

    You posted this article on December 27, 2016. It seems very difficult that if someone got approved today they would have the card in time to make any purchases (let alone the $300 in travel purchases) to take advantage of the $300 travel for 2016. At this point, it probably be best to wait at least a month (if not longer) before applying so you would have chance of using $300 credit twice (in 2017 and 2018) before the second annual would be due.

  2. CPC apparently doesn’t help for 5/24 anymore…

    • In my case, I had to give the CPC banker a try. We’re not really true CPCs. But I became friends with a local CPC. He understood what I wanted – which was a CSR for me or my wife, and/or a CSP for me. We knew back in September (a month after the CSR rollout), that if we applied for the CSR that we’d be denied because we were way over the 5/24. But we had to give it a try, and once it failed, the CPC banker called on our behalf, still to no avail. I still value my relationship with CPC banker, I am able to swing by his office and talk about this stuff. He and I sat down together last Saturday, and was impressed with the fact that I cleaned up my credit….and eventually got the CSR preapproval.

      • I am at 8/24 and have no AU on my account (got them cleaned/removed). How do i get preapproved, and how can the banker get me preapproved? I am also CPC. What do i tell my banker to get me preapproved?

        Kindly explain in detail, and provide clue/info. Thanks in advance.

        • I believe the CPC banker route is a not a sure guarantee that you will get preapproval. I’m not a CPC client, but we made good friends with a CPC banker who knew that I wanted to get the CSR. My wife got denied the CSR back in Sept, the CPC banker called on her behalf, but Chase stayed with their denial decision – too many cards open. If you read my blog, I wrote down every single thing I did. I’m not saying it will work for you, but it worked for me. https://daddytravels.wordpress.com/2016/12/22/over-524-how-i-got-pre-approved-the-chase-sapphire-reserve/

          I also don’t get notified of replies here, but if you reply or comment in my blog, I’ll get notifications for sure. Sorry for the delay.

  3. Hi Daraius, great article. I do want to share my experience along with my wife’s personal experience. We were both way over 5/24…I was 14/24 and she was probably 11/24 or 12/24. I also write this in my blog
    https://daddytravels.wordpress.com/2016/12/22/over-524-how-i-got-pre-approved-the-chase-sapphire-reserve/

    I wrote detailed milestones that got us the pre approval. In a nutshell, on top of everything you’ve mentioned, It took awhile. I made it my goal to get pre approved for this darn card. I think the clincher for us was cleaning up our Authorized User status. We were AUs on quite a few cards which added to us going over 5/24. We cleaned that up. Also, put it this way, only wife has the Chase Sapphire Preferred and I was an AU on that card. I don’t have a CSP under my own name. I chose NOT to remove myself as AU on her CSP. So when I removed myself as AU on the other credit cards in early Dec. nothing changed. I still did not get pre approved the CSP nor CSR. Last week, I decided to remove myself as AU on her CSP…3 days later, I got preapproved the CSR. By the time I got preapproved, and all the cleanup effort I did, I went from 14/24 down to 8/24 and got preapproved.

    • How did you get preapproved by removing yourself as AU?

      I am at 8/24, after removed all AU on my account……so how do i get Preapproved? Please explain.

      • Bob, with the AUs that you removed, were they all with Chase? If so, make sure to have the Chase rep also transfer you to Chase’s Credit Bureau specialist. They were the ones who actually help clean it from my credit report. I tried asking Amex and Citi for their Credit Bureau specialist – but no such option was given.

    • Dude would appreciate your reply….unless you do not wanna share how to get preapproved. Thanks for sharing the Lova, Brotha

      • Sorry, Bob. I didn’t get any notification that you had asked me questions. I was told that having yourself as AU also counts towards your 5/24 count. As mentioned, I was an AU on 4-5 different cards under my wife’s name. They were all opened within the past 24 months. So, by removing myself as an AU, it seemed to have helped in reducing my 14/24 status. Hope that helps.

  4. Darius can you comment on how long should someone wait to ensure there is enough time to get 2017 and 2018 travel credits before closing out the card and not getting hit with the annual fee again? Should I apply on 1 Jan, 31 Jan, 28 Feb?

  5. Any data on whether the 100k bonus is going away any time in the foreseeable future?

  6. I called the Chase re-consideration line and was told that being an authorized user on my spouse’s credit cards counted as me having opened too many credit cards in the last 2 years even though I had opened less than 5 at the time of my latest application. They would never say how many cards were too many. And, the wording on the latest denial letter was changed to read too many cards “associated” with me.

    • @Marilyn – I ended up removing my name and my wife’s name as Authorized Users on each other’s accounts. We dropped by 4-5 AUs…..and that helped me. So did you clean up for your AUs? It worked on my end. The last AU I held on to was being an AU on my wife’s CSP. Once I removed myself from that last Monday, 3 days later, bam….I got preapproved the CSR.

  7. Hi Daraius, I have an URGENT question:). I understand that the Chase Sapphire Reserve will give a $300 travel rebate per YEAR. So, if I got approved last week, does that mean that I can put $300 of travel expenses on the card before 12/31/16 (tomorrow!) and get a rebate for that?? Anyone, please let me know if this is the case. Thanks

  8. Is there a way around getting my brothers AA miles transferred for free? It looks like buying or sharing still costs a lot of $. Im wondering if there is any secret to doing this or is it plausible for him to transfer to one of my children’s account?