Miss the Chase Sapphire Preferred 100K Point Offer? Here's Your Next Move

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chase sapphire preferred 100k bonus

Miss the Chase Sapphire Preferred 100K Point Offer? Here’s Your Next Move

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It’s gone but not forgotten: After nearly four months, the massive 100,000-point bonus on the Chase Sapphire Preferred® Card has officially disappeared after Chase pulled it late last week. It was one of the best credit card bonuses we’ve ever seen, nut now it’s returned to the standard 60,000-point bonus after spending $4,000 within three months.

But if you missed out, it’s not all doom and gloom. There are a few things you can (and should) do next – including a way you may be able to still get the 100,000-point offer.

Read on for the steps you should take if you missed out on the Sapphire Preferred 100,000-point offer.


chase sapphire preferred


Click Here to get more information about the Chase Sapphire Preferred Card.


Check Personal Referral Links

Update (10/15/21): The 100k referral offers are no longer available. 

Do you know somebody that already has the Chase Sapphire Preferred Card? They may be able to help you get that 100,000-point bonus after all.

While Chase has pulled that record-busting bonus from its public channels, it’s still available through some personal referral links – the links that current Sapphire Preferred cardholders can generate and send to friends and family.

But there’s a hitch: It must be an older referral link, generated before Chase pulled this bonus. Creating a new referral link will have the lower, 60,000-point bonus.

So if you can find a friend or family member who has an older referral link at the ready, you should be able to get approved for the 100,000-point bonus. Plus, your friend will get 20,000 for the referral.

Read more: Are You Eligible for the Chase Sapphire Preferred Card?


Looking back to when this huge offer was first launched in early June, it took a few weeks for these personal referral links to update with the new, 100,000-point bonus. Now that the public offer is gone, we imagine these personal referral links could last for another week or so with the bigger bonus.

Don’t wait! If you want to take advantage of the personal referral offer, your days are numbered.


chase sapphire preferred card


Click Here to get more information about the Chase Sapphire Preferred Card.


Grab A Chase Freedom Card

If you were not eligible for the Chase Sapphire Preferred 100,00- point offer (and even if you were), it is always a great idea to look at one of the Chase Freedom Cards – the Chase Freedom Unlimited® or the Chase Freedom Flex℠.

Both of these cards do not charge an annual fee, and they earn $200 cash back after spending $500 in the first three months of card membership. But if you pair either Freedom card with a Chase Sapphire Card, you can turn that cash back into Chase Ultimate Rewards points.

That means that $200 cash back easily be converted into 20,000 Chase Ultimate Rewards points and they will be worth more if you then redeem them for travel.

But it doesn’t end there. For a limited time, both cards are offering 5% cash back on grocery store purchases on up to $12,000 spent in the first 12 months of card membership. That means if you max out the $12,000 of grocery spending in your first year, you’ll earn another $600 back (or 60,000 Chase points).


chase freedom cards


Combine those two pieces of the current welcome offer bonus and you can earn $800 back (80,000 Chase points) from a no annual fee card. That is a heck of a deal.

So whether or not you grabbed the Sapphire Preferred, it is never a bad idea to grab a Freedom card and earn the cash back. Later on, you can grab a Sapphire Card and convert the cash back into Ultimate Rewards points, if you’d like.

Read More: Chase Freedom Flex vs Freedom Unlimited: Which Card is Right for You


Look at the Citi Premier Card

Even though personal referral links with the Sapphire Preferred 100,000 point offer are still available, its days are numbered. However, there are still some really good offers out there if you are looking to earn a big sign up bonus on a travel rewards credit card.

Our top recommendation? Look at the Citi Premier® Card. It is currently offering its biggest bonus ever of 80,000 Citi ThankYou points after spending $4,000 in the first three months of card membership. The card also charges the same annual fee as the Sapphire Preferred Card – just $95.

If you are not familiar with Citi ThankYou points, they work similarly to Chase Ultimate Rewards points. You can use them through their travel portal to book flights, hotels, and more. And when you do, they will be worth one cent each. So 80,000 points is equal to $800 towards travel.

But you can also transfer them to Citi’s travel transfer partners. And through mid-November, that transfer partner list even includes American Airlines.

Read More: 6 Great Ways to Use Citi ThankYou Points in 2021


Citi Premier Card


Click Here to learn more about the Citi Premier Card.


Bottom Line

The Chase Sapphire Preferred 100k point offer is now dead. But using a referral link, you can still take advantage for a bit longer. And even if you are not eligible, there are still some great options for credit card sign-up bonuses right now.


Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

15 Responses

  • I called Chase today and they will not allow me to get the new promo. I have only had my card for about a month. The new promo specifically states that it is valid only for applications submitted by Sept. 13. I was hoping that if you could let your subscribers know if they get enough complaints that they will review this policy.

    • Hi Kathleen, I would hold tight for a few days (or up to a week) and try again. This is typical with banks – sometimes it takes a few days for the correct policy to filter out. We hope and have faith that Chase will ultimately honor this new 80K bonus for recent applicants.

  • I received my bonus for Chase Sapphire Reserve on January 3rd 2017, therefore I was thinking that I can apply now, meet my spend after January 3rd 2021 and receive the bonus, but Chase told me that I won’t qualify for the bonus. So I have to wait until January 4th, 2021 to apply, hope that this offer will be available then.

  • If i am not sure about exact 48 months since last bonus received (could be anywhere from 36 to 50 months), and if i apply, will i be approved of card if less than 48 months or will be auto-rejected if less than 48 months? Please confirm.

    Any chance i would be approved if less than 48 months since last bonus (2/24 for cards applied) but not get bonus despite approved since it has not been 48 months?

    Please reply ASAP

    • To my knowledge, you wouldn’t be approved. I would suggest calling Chase to see if they can give you more information about when you last earned a UR points bonus.

  • Just tried giving Chase a call to see if they would honor the bonus considering we JUST received our card (yesterday) a month after applying. They won’t budge right now, but fingers crossed that they review the policy!

    • Similar situation as me… applied a week or so ago and it wasn’t approved until the day the new 100K offer was public. They said I wasn’t eligible for the 100K offer… so we’ll try again later as well.

  • Nick,
    Chase emailed me with the $100k referral offer (20k for me / 100k for applicant) and the email states it would expire in 6 months. The email was sent Sept 21, 2021 (a little over 4 months ago), but the link no longer works. I contacted Chase but they refuse to honor it. Any advice or experience with a situation like this?

    • Unfortunately, there really isn’t anything you can do, as the offer no longer exists. Chase likely didn’t have an offer end date in place when the email was originally sent.

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