Chase Is Showing 175,000-Point Sapphire Reserve Offers — Here's How to Check Yours

Chase Is Showing 175,000-Point Sapphire Reserve Offers — Here's How to Check Yours

Chase is showing some people a targeted welcome offer of 175,000 points on the Chase Sapphire Reserve after $6,000 of spend — 75,000 points more than the public offer of 100,000. A matching targeted offer of 125,000 points is showing on the Chase Sapphire Preferred, against a public offer of 75,000. The offers appear on the Chase app homepage and in Chase's pre-approval tool, and they are targeted, so not everyone will see them.

Key takeaways

• 175,000 points on the Sapphire Reserve after $6,000 in spend — the public offer is 100,000.

• 125,000 points on the Sapphire Preferred — the public offer is 75,000.

• $300 on the Chase Freedom Unlimited, versus the usual $200.

• The previous best targeted offers were 150,000 (Reserve) and 100,000 (Preferred), so this is a new high on both cards.

• First reported August 13, 2026. Chase's 5/24 rule still applies and referral bonuses cannot be stacked.

Every so often Chase quietly slides a much bigger number in front of a slice of its customers and doesn't tell anybody. This is one of those weeks. Doctor of Credit reported on August 13 that a Reddit user spotted these offers sitting in the Chase app, and the numbers are the highest anyone has documented on either Sapphire card.

What exactly is on offer?

Three cards, three bumped-up numbers. The Chase Sapphire Reserve is showing 175,000 Ultimate Rewards points after $6,000 in spend, against a public offer of 100,000. The Chase Sapphire Preferred is showing 125,000 points, against a public 75,000. And the Chase Freedom Unlimited is showing a $300 cash bonus instead of the usual $200.

Quick jargon check: a welcome offer (or sign-up bonus) is the one-time chunk of points you get for opening a card after hitting a spending target in the first few months. A targeted offer is one Chase decides to show specific people — there's no public link for it, and you can't apply for it unless it shows up in your account.

What makes this genuinely newsworthy rather than "Chase has an offer again": the previous best increased offers on these cards were 150,000 and 100,000 points. Both cards hitting new highs at the same time is not a routine re-run.

How much is 175,000 Chase points actually worth?

Booked through Chase Travel, Chase points are generally worth about 1 cent each, so 175,000 points comes to roughly $1,750 of travel. Transfer them to an airline or hotel partner and find good award space and you can beat that — sometimes considerably.

We're going to resist quoting you a fantasy number, though, because the honest answer is that your value depends entirely on whether you can find the seats you actually want on the dates you actually travel. Plan around the $1,750, treat anything above it as a happy surprise, and you'll never be disappointed. If you want the full picture, we walk through it in our guide to how much points and miles are really worth in 2026.

Where do you check for the offer?

Two places, and both take under two minutes. First, the Chase mobile app homepage — this is where the original sighting came from, and targeted card offers just sit there as a tile. Second, Chase's pre-approval tool, which is a soft credit pull — meaning it does not affect your credit score. There are also scattered reports of the offer appearing when you're simply logged in on desktop, so it's worth a glance there too.

And now the part nobody wants to hear: you cannot make yourself targeted. There is no sequence of accounts to open, no spending pattern to run, no phone number to call. Doctor of Credit's own answer to "how do I get targeted?" is a flat "you don't." Anyone selling you a method is selling you a method, not a result. The only variable you control is whether you look.

What are the catches?

It's YMMV

"Your mileage may vary" — meaning this came from a handful of reports, not an official Chase campaign. Open the app, see nothing, and that's completely normal. It isn't a bug and it isn't something you did wrong.

You can't stack a referral

If a friend was planning to send you a referral link, that's an either/or. These targeted offers don't combine with referral bonuses.

5/24 still applies

Chase's 5/24 rule means they'll generally decline you for most of their cards if you've opened five or more credit cards from any bank in the past 24 months. Not five Chase cards — five cards total.

Some "selected for you" offers have historically slipped past 5/24. But the "you're pre-approved" style shown in these screenshots has never been observed bypassing it. So if you're sitting at six or seven new cards in the last two years, this offer isn't for you this month. That's not a fun sentence to write, but eating a hard credit pull for a near-certain denial isn't a strategy. Wait until you're back under the line, then go get it.

Is the Sapphire Reserve worth it at 175,000 points?

Here's the thing people get backwards. A bigger welcome offer doesn't make the Sapphire Reserve a better card. It makes year one a better year.

The annual fee is $795, and it will still be $795 in month thirteen when the bonus is spent and you're deciding whether to renew. Year one, the math is easy: about $1,750 of value minus a $795 fee leaves you roughly $955 ahead before you count a single statement credit. That's a straightforward win.

Year two is a different question entirely, and it hinges on whether the card's recurring credits fit your actual life rather than your aspirational one. A credit you have to reshape your habits around isn't really a credit — it's a chore with a dollar sign on it. If that's where you land, the 125,000-point Preferred deserves a hard look instead: much smaller annual fee, much easier to justify keeping, and 125,000 points is a serious haul for a mid-tier card. We compare the two in detail in Sapphire Reserve vs. Sapphire Preferred, and both sit in our best travel credit cards guide.

What this means for you

Spend two minutes this weekend: open the Chase app, then run the pre-approval tool. If a big number appears, screenshot it — targeted offers vanish without warning and it's useful to have the terms in hand.

If nothing shows up, you haven't lost anything. The public 100,000-point Reserve offer and 75,000-point Preferred offer are both still live, and both are still genuinely good. Not every week needs to be a lottery ticket.

FAQ

Is the 175,000-point Chase Sapphire Reserve offer public?

No. It's a targeted offer with no public application link. It has only been seen on the Chase app homepage and through Chase's pre-approval tool.

Does checking the Chase pre-approval tool hurt my credit score?

No. Chase's pre-approval check is a soft inquiry, which is not visible to other lenders and does not affect your score.

Will this offer bypass Chase's 5/24 rule?

Almost certainly not. Some "selected for you" offers have bypassed 5/24 in the past, but "you're pre-approved" offers — the type shown here — have not been observed doing so.

Can I combine this with a referral bonus from a friend?

No. These targeted offers cannot be stacked with a referral bonus. You have to choose one path.

How long will the targeted offer last?

Chase hasn't published an end date, which is typical for targeted offers. They can disappear at any time, so if you see one, note the terms rather than assuming it'll still be there next month.

What if I'm not targeted — should I still apply?

The public offers of 100,000 points (Reserve) and 75,000 points (Preferred) remain available and are strong on their own terms. There's no penalty for taking the public offer if the targeted one never shows.

Want this stuff explained without the hype? We break down every offer worth knowing about over on the TravelPointsPro YouTube channel — including a full walkthrough of this one. Subscribe so you don't miss the next deadline.