Chase Sapphire Is Offering 75K Bonus Points. Here's How to Earn Them Faster
KEY POINTS
- Two great Chase credit cards -- the Chase Sapphire Preferred® Card and Chase Sapphire Reserve® -- have a limited-time welcome offer of 75,000 bonus points.
- To earn these bonus points, you must spend $4,000 on your new card within the first 3 months.
- It's easy to rack up $4,000 with a few strategic big-ticket purchases or by shifting your everyday spending to your new credit card.
There's a special offer from two of the best travel credit cards that you should know about: Chase Bank is giving away 75,000 bonus points welcome bonus points as part of a new (limited-time) welcome offer for the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®. These are two of the top credit cards for anyone who wants to travel more while maximizing the value of their everyday spending.
But how can you get the 75,000 bonus points welcome bonus points? First: Don't panic -- you don't have to spend a bunch of "extra" money. The Chase Sapphire welcome offer requires you to spend at least $4,000 on your new card within 3 months of opening your account.
Let's look at a few ways to earn your Chase Sapphire bonus points faster -- and why it's easier than you might think.
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How to get the Chase Sapphire welcome bonus
The first step to getting this welcome bonus is to apply for the card of your choice (terms apply). The Motley Fool Ascent's analysis found that people need to have good to excellent credit (FICO® Scores of at least 670) to qualify for the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®. And if you've already opened five or more credit cards within the past 24 months, Chase will likely deny your application; this is known as the Chase 5/24 rule.
If your credit score isn't as high as you'd like it to be, or if you struggle with budgeting and overspending, you might not want to apply for a travel rewards credit card. Other credit cards, secured credit cards, or credit building services might be a better fit for your current financial situation.
Offer | Our Rating | Welcome Offer | Rewards Program | APR |
---|---|---|---|---|
Chase Sapphire Preferred® Card
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
75,000 bonus points Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Chase Sapphire Reserve®
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
75,000 bonus points Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠. | 5x points on flights and 10x points on hotels and car rentals through Chase Travel℠. Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. |
Intro: Purchases: N/A Balance Transfers: N/A Regular: 22.49%-29.49% Variable |
How much to spend to get 75,000 bonus points welcome bonus points from Chase Sapphire
Chase wants you to spend $4,000 within the first 3 months of opening your new credit card, which comes out to about $1,333 per month. Here are two strategies you can use to make sure you spend enough to get the 75,000 bonus points welcome bonus points.
"Big spender" strategy: Make a few big purchases
Do you have big purchases coming up soon that you've been planning? Are you getting ready to buy a new big-screen TV, appliance, furniture, or phone? Or maybe you're planning to pay for a big car repair or home improvement project. If so, put those big expenses on your newly opened Chase Sapphire card and rack up bonus points.
Here are a few examples of how quickly you could spend $4,000 in 3 months on just a few big-ticket items.
Big-ticket items | Cost per item |
---|---|
Leather sectional sofa | $799.99 |
70-inch TV | $549.99 |
Refrigerator (stainless steel w/ French doors) | $1,599.99 |
iPhone 15 Pro | $999 |
Patio table dining set (5-piece) | $319.99 |
Total spend: | $4,268.96 |
Just by buying five big-ticket items, you could easily spend more than $4,000 on your new Chase Sapphire card. (And the prices listed here don't include sales tax.)
"Everyday expense" strategy: Move spending to your new Chase card
What if you aren't planning to buy any big-ticket items? That's OK, too. Just use your new Chase Sapphire card to pay for monthly bills and other everyday expenses. You don't have to buy new stuff or spend extra cash to reach your $4,000 spending goal.
Here's how: Any monthly bills that are set up for automatic payments from your checking account should be switched to your new Chase Sapphire card. Most companies and utilities will let you pay by credit card instead of ACH or check. Even if there's a small processing fee for paying by credit card, do it for now -- it's worth getting those 75,000 bonus points. And of course use your new Chase Sapphire card to pay for groceries, gas, and other everyday expenses, too.
Here's a breakdown of how a typical household's monthly bills could quickly pay for $1,333 of spending per month on a new Chase Sapphire card ($4,000 in 3 months).
Monthly bills | Cost |
---|---|
Mobile phone | $100 |
Home internet service | $100 |
Streaming services | $120 |
Groceries | $750 |
Restaurants | $500 |
Gas | $200 |
Car insurance | $200 |
Gym membership | $150 |
Total spend: | $2,120 |
This hypothetical $2,120 of monthly spending might be different for every person, but hopefully the ballpark estimate is realistic. How much do you spend per month just on groceries and dining out? It's easy to imagine how you can quickly reach $4,000 of spending without buying anything big or new.
Bottom line
Chase doesn't care if you use your new credit card for monthly bills or a lavish new living room furniture set. Just make sure you spend enough on qualifying purchases (there are some limitations on what counts; for example, if you spend money on gambling, that doesn't count toward your $4,000 goal).
The quickest way to earn 75,000 bonus points from a new Chase Sapphire card is to be strategic with a few big-ticket purchases -- or shift your regular spending from your checking account to your new Chase travel credit card.
Offer | Our Rating | Welcome Offer | Rewards Program | APR |
---|---|---|---|---|
Chase Sapphire Preferred® Card
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
75,000 bonus points Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Chase Sapphire Reserve®
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
75,000 bonus points Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠. | 5x points on flights and 10x points on hotels and car rentals through Chase Travel℠. Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. |
Intro: Purchases: N/A Balance Transfers: N/A Regular: 22.49%-29.49% Variable |
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