Editors Note: As of May 25, 2023, this offer is no longer available.
With a reasonable annual fee of just $95 and a big welcome bonus, we've long considered the Chase Sapphire Preferred® Card the best credit card for beginners – and among the best travel rewards credit cards, period. Heading into the a Chase Bank branch to apply could make it even better.
As first discovered by Doctor of Credit, you can currently get a welcome bonus on the Chase Sapphire Preferred Card of up to 90,0000 points – but only if you apply in-person at a Chase Bank branch. We confirmed this offer was available on Tuesday at a Minnesota Chase location and it isn't available online – though that could change in the days or weeks ahead.
A 90,000-point bonus is massive. It's up from the standard bonus of 60,000 points after spending $4,000 in the first three months and falls just short of the record-high bonus of 100,000 Chase Ultimate Rewards points we briefly saw back in early 2021. Here's how this new, in-person bonus breaks down:
- You'll earn 80,000 points after spending $4,000 in the first three months of card membership
- You'll earn another 10,000 points after spending $6,000 total in the first six months of card membership, for 90,000 points total
You'll have to apply for the card with a Chase banker in order to get this bonus, so your best bet may be making an appointment online or calling your local Chase branch. There's nothing in it for us: We consider it part of our mission to do right by readers. Pointing you toward a fairly easy path to earn 30,000 more points is a no-brainer.
If you don't live near a Chase bank location or don't think it's worth the hassle, it may be worth the wait. In the past, we've seen Chase introduce these in-person offers several days (and sometimes weeks) before rolling out a similar offer online. We wouldn't be surprised if Chase eventually matches this new, in-person offer for online applications, or at least improve the current 60,000-point offer … but that's no guarantee.
Chase Sapphire Preferred® Card Overview
- Welcome Offer Bonus: 60,000 Chase Ultimate Rewards points after spending $4,000 in the first three months of card membership, but you can currently get earn up to 90,000 points by applying at a physical Chase Bank branch location (not online).
- 3x points per dollar spent on dining, including eligible delivery services
- 3x points per dollar spent on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 3x points per dollar spent on select streaming services
- 2x points per dollar spent on travel purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through the Chase Ultimate Rewards Travel Portal
- Earn 5x total points on travel purchased through the Chase Travel Portal, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
- Earn 5x points per dollar spent on Lyft rides through March 2025.
- Recommended Credit Score: Excellent/Good
- Foreign Transaction Fees: None
- Annual Fee: $95
Read more: The Best Ways to Use Chase Ultimate Rewards Points
Our Take on This 90K Point Offer
The standard offer on the Chase Sapphire Preferred Card is 60,000 points after spending $4,000 in the first three months of card membership. That's great as it is … but we've seen some even bigger offers in the past. And this one is among the best.
Since 2020, we've seen Chase increase the offer on the card to 80,000 points after spending the same $4,000 several times. Back in early 2021, we even saw the bonus rise as high as 100,000 points for the same $4,000 spending requirement.
So it's safe to say that this 90,000-point offer for spending a total of $6,000 in the first six months available at Chase Bank locations – and not online – is one of the best offers we have ever seen on the Sapphire Preferred Card. If you live near a Chase Bank location, it's easily worth your attention.
That said, credit cards are serious business. Opening a credit card and racking up thousands of dollars in charges isn't worth it, no matter how many points you get, if you can't afford to pay off every dime.
Thrifty Tip: Also make sure you're not barred from getting this card by the dreaded Chase 5/24 rule before you head into a Chase branch to apply.
But will Chase eventually bring this offer online, too? We don't know for sure just yet. We also don't know how long this elevated offer will be available at Chase branches.
Bottom Line
There is a new limited-time increased welcome offer available on the Chase Sapphire Preferred® Card, offering up to 90,000 points after spending $6,000 in the first six months of card membership. But this offer is only available in physical Chase Bank branch locations. You won't be able to find it online.
With this offer, you'll earn 80,000 points after spending $4,000 in the first three months of card membership, and another 10,000 points after spending $6,000 total in the first six months of card membership.
We don't know how long this offer will last or if Chase plans to eventually bring the offer online. But if you live near a Chase Bank branch location and you're eligible, it doesn't get much better than this.
My partner canceled his Sapphire Preferred a while back after he passed the 48 month limit. We’ve been waiting for a new offer to pop up so I could recommend him and snag the referral bonus. Is that something that’s possible to do in branch too?
It’s unlikely that the referral links will display this offer. It is only available in Chase branches.
I was waiting for a great Preferred offer to come around after I downgraded my Reserve to the original Freedom in November. Just annoying to have to go to a branch. I assume they want to pitch bank accounts and loans. For my needs, I think this is a good card for me and will pair well my Venture X and obviously the Freedom card. I think I might wait a bit to see if it comes online.
My branch told me I need an offer code. Is that true?
no — I just signed up in-branch and got the offer mentioned in this article
Did they attempt to pitch loans / bank accounts?
No, take apprx. 15min. to fill out application. That’s it.
What if you spend the 6k all in the first three months? do you get the 90k points right away? or do you have to still spend another 2k after the first 3 months?
You just have to spend $6,000 total in the first six months, doesn’t matter if you knock it all out on the first week!
IS this still going on?
It is!
Sounds like it is but call your local Chase branch to confirm!
Does the 90k in-branch offer also carry the $4k spend requirement in the first 3 months? What happens if I don’t spend $4k in the first 3 months but do spend at least $6k in month 4, 5, or 6 all at once? Thanks!
Hi Jon. Yes you would still need to spend $4k in the first 3 months to get that part of the bonus.