Chase Sapphire Preferred® 100K Bonus – Tips & Strategies

Updated on May 2nd, 2025 at 02:03 PM EST by VK
Chase Sapphire Preferred® 100K Bonus – Maximize Points & Upgrade Strategy (2025)

💳 Chase Sapphire Preferred®: Earn 100,000 Points + How to Maximize the Deal

🔥 Section 1: The Best Chase Sapphire Preferred® Offer Yet

Chase is currently offering one of the most generous credit card sign-up bonuses on the market: 100,000 Ultimate Rewards® points after spending $5,000 within the first 3 months. This bonus is valued at $1,250 in travel when redeemed through Chase Travel at 1.25¢ per point—and potentially even more if transferred to partners like Hyatt or United.

With only a $95 annual fee, this deal offers exceptional value for both new and seasoned travelers looking to boost their travel rewards.

Apply now with my referral link to claim your 100,000 points and start traveling smarter.

🛠️ Section 2: Quick Hacks to Make This Offer Even Hotter

📌 2A. How to Meet the $5,000 Spend Requirement

  • Use Plastiq to pay rent, tuition, or mortgage (processing fees apply, but can be worthwhile for the bonus)
  • Prepay bills or insurance where possible (e.g., auto, health, home)
  • Buy gift cards for future use at places you already shop, like Amazon, grocery stores, or gas stations — this helps spread out spend responsibly
  • Pay taxes online through IRS-approved payment processors (like Pay1040 or ACI Payments); small fees apply, but you may still come out ahead with the bonus
  • Make large upcoming purchases (appliances, vacations, repairs) that you were already planning

📈 2B. How to Increase Point Value or Total Points

  • Pair with Freedom Unlimited® or Flex™ to earn more points in rotating or everyday categories and transfer them to Sapphire Preferred®
  • Transfer points to a spouse’s Sapphire Reserve® account (if you live at the same address) to redeem at 1.5¢ per point in Chase Travel
  • Upgrade to Sapphire Reserve® after earning the bonus to access higher redemption value and luxury travel benefits
  • Use 1:1 transfer partners like Hyatt, United, or Air Canada for outsized point value on flights and hotel stays

⚠️ Chase Eligibility Rules to Know

  • 48-month rule: You can’t earn a new Sapphire bonus if you received one in the past 48 months.
  • One Sapphire rule: You cannot currently hold any Sapphire-branded card to be eligible.
  • 5/24 rule: If you’ve opened 5+ personal credit cards in the past 24 months, you’re likely to be denied.

💼 Section 3: Everyday Benefits of the Sapphire Preferred®

  • 5x points on travel booked through Chase Travel
  • 3x points on dining, streaming, and online groceries (excluding Walmart/Target)
  • 2x points on other travel
  • $50 annual hotel credit through Chase Travel
  • 10% anniversary points bonus based on total purchases
  • No foreign transaction fees

📌 Section 4: The Bottom Line

The Chase Sapphire Preferred® 100K bonus is one of the best available travel credit card offers in 2025. With powerful earning categories, flexible redemption options, and strong long-term value, it’s a must-consider card.

Apply now with my referral link to claim your 100,000 points and start traveling smarter.

🔒 Disclaimer

This post is for informational purposes only and does not constitute financial advice. Credit card offers are subject to approval by the issuing bank. Always review the official terms and conditions on the Chase website before applying. Eligibility for welcome bonuses is determined by Chase and may vary. The strategies mentioned align with publicly available information and user-reported experiences.

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