Bummer! New Restrictions on Chase Sapphire Applications

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Bummer!  New Restrictions on Chase Sapphire Applications

Million Mile SecretsBummer!  New Restrictions on Chase Sapphire ApplicationsMillion Mile Secrets Team

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Bad news for folks who planned on getting both a Chase Sapphire Preferred Card and a Chase Sapphire Reserve card.

Via Frequent Miler, Chase released a memo saying that effective yesterday, August 27, 2017, customers would NO longer be able to sign-up for a second Sapphire card.  I haven’t yet heard anything directly from Chase.

This means that, for example, folks who already have a Chase Sapphire Preferred will no longer be approved for a Chase Sapphire Reserve card, or vice versa.  The same rule applies if you have a Chase Sapphire (no longer available to new applicants) card.

Bummer New Restrictions On Chase Sapphire Applications
Already Have One of the Chase Sapphire Cards? You’ll No Longer Be Approved for the Other

Here’s the memo:

Beginning August 27 our same-product eligibility requirements have been updated for all Sapphire Credit Card products, which include Chase Sapphire, Chase Sapphire Preferred, and Chase Sapphire Reserve.

Here’s a look at what’s new:

  • Going forward, a customer may no longer have more than one Sapphire-branded credit card.  For example, if a customer has a Sapphire Preferred card, they are no longer eligible for a Sapphire Reserve card.
  • While this change impacts all new and existing customers (including CPC clients), there is no impact to existing customers who presently have more than one Sapphire product.  These customers continue to retain their Sapphire products as usual.
  • If existing Sapphire customers wish to upgrade or downgrade their product, they may do so if eligible. However, no bonus points will be available with this upgrade or downgrade.  The customer may call the number on the back of their card OR you may contact Banker Support with customers who are in the brand or already on the phone.
  • If an account is closed, a customer will not be eligible for any Sapphire-branded credit card if they have earned a cardmember bonus on a Sapphire-branded product within the last 24 months.

Update to memo above:   You’re now not eligible for a Sapphire bonus if you’ve received a bonus on any Sapphire card in the past 48 months.

This is unfortunate news for folks who were waiting to apply for a second Chase Sapphire card.  But it brings Chase’s policy closely in line with Citi’s one card per brand every 24 months rule.

Bummer New Restrictions On Chase Sapphire Applications
Couples Might Consider Each Applying for One Type of the Chase Sapphire Card to Make the Most of Each Card’s Benefits

I’ll update y’all if I hear more.  And while I know many of us will be unhappy with this news, it’s another reminder that our hobby is always changing.  So get cards and redeem miles and points when you can!

Bottom Line

Chase has changed the application rules for their Sapphire brand cards, and it’s not great news.  Going forward:

This will make it harder for folks to earn lots of Chase Ultimate Rewards points from sign-up bonuses in a short period of time.

That said, the Chase Sapphire Preferred is still my favorite card for beginners.  But new applicants will now have to make a choice between it and the Chase Sapphire Reserve.

What do you think of the new rule?

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • 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
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

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Hi! My husband has a Preferred. He added me as an authorized signer. Do you know if that disqualifies me to apply for a Reserve card on my own?

So if I have the personal Reserve can I apply for the Chase Ink BUSINESS Preferred?

Million Mile Secrets

That is correct! And you can have the Ink Business Preferred and Ink Business Cash at the same time.

I think you misunderstood my question: can I have Chase Reserve AND still get Ink BUSINESS Preferred? I know you can’t have 2 Sapphire cards now so I didn’t know if this was different since one is a business card and I believe the Reserve is a personal card?

Million Mile Secrets

The Ink Business Preferred isn’t a Sapphire card, so yes you can have the Reserve and the Ink Business Preferred.

The fine print on the Chase Sapphire Preferred card application also seems to put the 24-month wait period into question. It stated something similar to Amex about not being eligible for the bonus if you’ve ever had the card, not just if you received the bonus in the last 24 months.

Darius, what do you think is Chase’s objective with this? I can’t figure out a good reason to deny two Sapphire cards which give them about $550 a year? Especially when people already have one, why wouldn’t they want you to spend more on annual fees?

Is this going to happen with the Southwest cards also?

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