Will the Chase Sapphire Reserve 100,000-Point Bonus Offer End Soon?

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Will the Chase Sapphire Reserve 100,000-Point Bonus Offer End Soon?

Million Mile SecretsWill the Chase Sapphire Reserve 100,000-Point Bonus Offer End Soon?Million Mile Secrets Team

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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.

Million Mile Secrets reader Hirocommented:

When will the Chase Sapphire Reserve 100,000 point sign-up bonus offer expire?

Great question, Hiro!

Chase has NOT said the amazing Chase Sapphire Reserve 100,000 point bonus will end soon.  And Emily’s Chase banker said the demand for the Sapphire Reserve has been overwhelming.

So it’s always possible Chase could lower the sign-up bonus.  Or make it a targeted offer.  They could even keep the 100,000 point sign-up bonus offer available in-branch, but reduce the sign-up bonus for online applications.

Chase Sapphire Reserve 100000 Bonus End
The 100,000 Chase Ultimate Rewards Points From the Sapphire Reserve Sign-Up Bonus Is a Phenomenal Offer. You Could Use the Points for 4 Free Nights at the Park Hyatt Maldives!

I’ll explain more about the current offer!

Chase Sapphire Reserve 100,000 Point Bonus

Link:   Chase Sapphire Reserve 

Link:   My Review of the Chase Sapphire Reserve 

When you open the Chase Sapphire Reserve card, you’ll earn 100,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first 3 months from account opening.

This is the highest public sign-up bonus I’ve ever seen on a card that earns Chase Ultimate Rewards points!

Many folks are wondering how long this offer will last.  Because you may need to wait to avoid Chase’s tougher application rules.  Or because you’re working on meeting minimum spending requirements for another new card you recently received.

What Has Chase Previously Done With Card Offers?

There’s no official word from Chase if 100,000 points will be the standard offer for this card.  

But we can get some insight based on how Chase handled offers on other cards that earn Chase Ultimate Rewards points.

For example, the usual sign-up bonus on the Chase Ink Plus small business card is 60,000 Chase Ultimate Rewards points after spending $5,000 on purchases in the first 3 months of opening your account.  But Chase has offered limited-time 70,000 Chase Ultimate Rewards point sign-up bonuses for in-branch applications in the past.

Several years ago, Chase had an extremely targeted offer for 100,000 Chase Ultimate Rewards points for the Chase Sapphire Preferred.  This deal didn’t last long.

Then, Chase made 50,000 Chase Ultimate Rewards points the standard sign-up bonus on the card.  And they haven’t changed it often since then.

Bottom Line

Chase has NOT announced a timeline for lowering the Chase Sapphire Reserve 100,000 point sign-up bonus.

Based on previous history with other Chase cards like the Chase Ink Plus and Chase Sapphire Preferred, it’s possible Chase could keep the Sapphire Reserve 100,000 point sign-up bonus offer available in-branch.  Or make it a targeted offer.

If you’re worried about Chase reducing the sign-up bonus, I’d recommend applying sooner rather than later.  Because I often say great deals in the miles & points hobby don’t last forever!

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Just received the Sapphire Reserve. How do I know if I am eligible for the 100k points? There was no additional literature in the package that explained or described this bonus offering.

Million Mile Secrets

If you signed up for the 100K offer, that’s what you will receive. You can confirm the bonus when you call to activate the card!

This card is an awesome addition to the Chase family of cards. Let me compare here the overall value difference between the Chase Sapphire Reserve (CSR) and Chase Sapphire Preferred (CSP). I will take my own spending analysis as an example. I am not a huge traveler, I travel once in a while with family or buy tickets to my parents to travel. When I sat down to do the Math to see if it makes sense for me to apply for this card (I already have CSP card). Let me admit the fact that I also have Chase Freedom and Freedom Unlimited cards and my wife and I know which card to use when to earn maximum Ultimate Reward (UR) Points. 

Let’s look at my spending closely. The first thing I analyzed was my expenditure over the past 4 years (I referred to year-end summaries) and I found that I have consistently spent around $350 on “Transit” which included- Parking (street and occasional airport), E-Z Pass tolls, occasional river cruise, occasional Uber etc which I am sure will do every year. So this pattern of my spending qualifies for the $300 “Travel Credit”. This takes away around 65% of $450 annual fee that the CSR has. Needless to say that the person reading this is ready to use the UR points ONLY FOR travel. 

Then I looked at the UR Points that I earn from my Freedom and Freedom Unlimited card. In the worst case scenario every year I earn 175K from Freedom (We religiously use this card only for 5% cash back categories only and nothing else) and 220K from Unlimited card (I use it for all other expenditure other than Travel and Dining for which I used CSP). 

Let me break it down further to see if it makes sense for me to apply for CSR card with my low travel spending. Let me assume that I have CSR card with me for the next 1 year.  I spend around $2300 on dining outside which will earn 6900 UR Points with CSR card and even if I spend around $350 bare minimum on travel it will earn me 1050 UR points (this is the worst case scenario). Once I add this up it gives me a total of 47400 UR Points ($474). If I use this for my occasional Travel via Chase Portal the value is up by 1.5 times which is $474 X 1.5 = $711. Let’s take away the remaining annual fee out of this ($711-$150) which gives us the net gain of $561 which is awesome!! Let me add my wife as an authorized user so the net will go down to $ 486 ($75 annual fee for an authorized user) which is nothing less than awesome and even in the worst of the worst case scenario where you do not even qualify for $1 of Travel Credit in one of those years (extremely unlikely) you will not spend anything out of pocket. Happy?? 🙂

Now let’s do the same math with one of my favorites Chase Sapphire Preferred. If you do the math as above with 2 points earning per $ spent on travel and dining I would have earned 4600 UR points for dining outside and 700 UR points on travel. Let’s put everything together, which gives me $448 ( $220+ $175+ $46+ $7). Now let’s redeem this for travel, remember Chase Sapphire Preferred gives is 1.2 times more value. So $448 X 1.2= $537. Now let’s look at the net value by taking away the annual fee of $95 which gives me $446. This card does not charge for authorized user.

Conclusion: There is no question that Reserve card has superior benefits compared to Preferred. Here I conclude that for anyone like me who does not travel much at all and have Freedom and Freedom Unlimited cards (both earn UR Points) the overall net benefit is more with $450 annual fee CSR card when compared to lower fee CSP card (Please see the math above). 

Now guys! Take a pen and a paper and do the Math and check if you could have CSR instead of CSP without spending even a $ more. Don’t be scared by $450 annual fee thing. Of course needless to say that you need to have both Freedom and Freedom Unlimited cards and know when to use which of these 3 cards. All you need is these 3 cards!! Makes sense? I hope so.

Good luck! Keep rocking!

Million Mile Secrets

Thanks for that very detailed analysis! I completely agree with you.

Wife and I both turned down for too many new cards. With fewer opportunities, I’m wondering if we will go for only 5 new personal cards over the next 24 months to get the CSR.

Sorry if this is redundant, but i wanted to get clarification on timing of travel credit. I understand that the annual fee will charged on the first statement itself. To avail 2016 travel credit, one should post the transaction by December end. Assuming the next annual fee should not hit before August or worse case scenario July so to avail 2017 travel credit one should post the transaction prior to July / August annual fee timing. Is my understanding correct?

I applied for the chase sapphire reserve and turned down due to too many cards in 2 years. No appeal but I could change a product over but not get the bonus which makes no sense. My wife got it right away. How can I transfer her bonus points to my account later on?

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