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For those who have been wanting to try for the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® credit cards, they may have a bit more waiting to do. Recently, Chase made some changes to the application rules. 

Editor’s Note: Some of the offers below may have expired or are no longer available on our site. 

Changes For Two Chase Credit Card Applications

Today we’ll share with you the Chase Credit Card application changes that have been put in place.

Previously, individuals were unable to try for a Chase Sapphire Preferred or a Chase Sapphire Reserve credit card if they had received sign-up bonus points for one of the cards within the last 24 months. Now, they’ve updated the application terms to reflect new rules to require even more waiting.

For the Chase Sapphire Reserve, individuals can only try after waiting at least 48 months if they’ve previously received sign-up bonus points for the Chase Sapphire Preferred and vice versa.

Currently, some Chase Sapphire Preferred application documents still have the 24-month wording rule. Others have changed over. If you’re unsure, it’s best to expect both to follow the 48+ month rule.

This adds to the already difficult 5/24 rule that is in place, where individuals who have opened 5 or more credit cards (from any bank) within the last 24 months are ineligible for most Chase credit cards. That can add up to a lot of waiting for those who want to take advantage of great credit card perks and bonus points.

Does This New Rule Apply to All Chase Credit Cards?

Yes. At this point in time, it doesn’t apply to other Chase Ultimate Rewards Credit Cards. Currently, it applies to the Chase Sapphire Reserve® credit card. In addition, many Chase Sapphire Preferred® Card card application links have also been updated to reflect this new change.

Be sure to take a look at all application documentation before trying. Keep an eye out for changes that may occur with other Chase credit cards.

What Should I Do In Regards to These Chase Credit Card Applications?

If you have not hit the 5/24 mark, you may want to try for the Chase Sapphire Preferred® Card—if you’re able to find an application that has the old 24-month rule wording. This will allow you to take advantage of the Chase Sapphire Preferred bonus points.

If you’re already at the 5/24 mark or still haven’t reached the 48 month waiting period timeline, you could consider getting another travel credit card altogether. This will allow you to take advantage of a different rewards perks program while you wait.

Here are some other travel credit cards to consider if you’re over 5/24 or are not eligible for the CSP or CSR due to the new 48-month language:

  • The Platinum Card® from American Express
  • Citi Premier® Card

These above cards are ranked high in the bonus points world. Before trying, be sure to understand all terms of these cards. Learn about how to best redeem points so that you can maximize your savings.

Bottom Line on the Chase Credit Card Applications Change

These are the most recent changes that impact the Chase Sapphire Preferred and Chase Sapphire Reserve Chase credit card applications. While these changes may require you to wait a bit longer to take advantage of great perks, both cards still offer great benefits.

It’s always a good idea to stay up to date on credit card application rules and regulations so that you can maximize your points rewards. It’ll help you get the best possible credit card for your needs.

Caroline Lupini
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