Here's everything you need to know about the new Chase Sapphire eligibility rules
A big caveat, though? You might not be able to earn both cards' welcome bonuses.
Here's what to know.
On Chase's site
On Chase's site
With Points Boost, your rewards will be worth up to 1.5x on thousands of top-booked hotels and flights from select airlines through Chase Travel.
Good to Excellent670–850
19.99% - 28.24% variable
$95
Earn 75,000 bonus points
See rates and fees. Terms apply. Member FDIC.
Read our Chase Sapphire Preferred® Card review.
The Chase Sapphire Preferred® Card packs a punch for a $95 annual fee card, offering annual travel credits, comprehensive travel protections and more.Either $5 or 5% of the amount of each transfer, whichever is greater
On Chase's site
On Chase's site
Get more than $2,700 in annual value with Sapphire Reserve.
Excellent740–850
20.24% - 28.74% variable
$795
Earn 100,000 bonus points + $500 Chase TravelSM promo credit
See rates and fees. Terms apply. Member FDIC.
Read our Chase Sapphire Reserve® review.
The Chase Sapphire Reserve® is a standout premium credit card with plenty of luxury perks and statement credits to justify its annual fee.Either $5 or 5% of the amount of each balance transfer, whichever is greater
Before the overhaul of the Chase Sapphire line of cards, the bank didn't allow a user to be the primary account holder on both the Sapphire Preferred and Reserve cards; you could only have one.
This was Chase's previous rule on owning multiple Sapphire cards at once:
The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products.
That's now changed, however.
As of June 23, 2025, you can now be a cardmember of both the Chase Sapphire Preferred and Sapphire Reserve. Why would you want to have both? Well, they cater to different spending. While the Preferred works with more everyday purchases, allowing you to earn on online groceries and streaming, the Reserve rewards your travel. Plus, with the two, you can more quickly collect valuable Chase Ultimate Rewards® points.
The only caveat is that there's a good chance you won't be able to score a welcome bonus on both cards. A Chase spokesperson told CNBC Select that new account bonus offer eligibility for either the Reserve or the Preferred will be based on several factors, including previously earned bonus offers and the number of cards opened and closed, among others. If you already had one of the Sapphire cards and earned its welcome bonus, you may not earn the welcome bonus on the second Sapphire card you get.
This is on the product page of Chase's website:
The new cardmember bonus may not be available to you if you currently have any other personal Sapphire cards open, previously held this card or received a new cardmember bonus for this card.
So, while Chase is opening up the doors to the possibility of owning both Sapphire cards, earning their respective welcome bonuses seems like it's going to be more on a case-by-case basis.
It's worth noting that the site does specifically say, "personal Sapphire cards," and after confirming with a Chase spokesperson, Chase Sapphire Reserve for BusinessSM (see rates and fees) cardholders can still open a consumer Sapphire card and earn its bonus. Thus, having the business card will not impact your eligibility for the other Sapphire bonuses.
With this current language, it seems like it's still possible to earn both bonuses; if you had one of the Reserve or Preferred cards and earned its bonus, you could then downgrade that card to a non-Sapphire card and then apply for the Sapphire card you haven't held yet and earn its bonus.
While this could be a good way to maximize the welcome offers, some people may be devoted to one card over the other and not want to downgrade for a bonus.
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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
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