چیس نیلم بونس کی اہلیت میں تبدیلی: یہاں کیا جاننا ہے

چیس نیلم بونس کی اہلیت میں تبدیلی: یہاں کیا جاننا ہے

ADVERTISEMENTNewsChase Sapphire bonus eligibility changes: Here’s what to knowChris NelsonChris NelsonCredit cards writerChris Nelson is a credit cards writer for TPG. He specializes in budget travel, hotels, earning elite status through minimal spending and redeeming points for maximum value. June 23, 2025•5 min readThe cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view ouradvertising policy andproduct review methodology for more information.On June 17, Chase announced the addition of a brand-new business credit card, the Chase Sapphire Reserve for Business℠ (see rates and fees), as well as a complete refresh of the Chase Sapphire Reserve® (see rates and fees), its popular premium travel card.Chase has also implemented a new eligibility policy that may affect your ability to earn a Sapphire card welcome bonus more than once. However, the policy changes only affect the consumer Sapphire cards and exclude the Sapphire Reserve for Business.Let's dive into the changes.New Chase Sapphire eligibility bonus rulesChase previously had a 48-month welcome bonus eligibility policy on the Sapphire cards. This meant you could not have earned a new Sapphire welcome bonus if you'd earned one in the past 48 months. Additionally, you could not hold both the Sapphire Reserve and the Chase Sapphire Preferred® Card (see rates and fees) at the same time.Starting on June 23, 2025, you will be able to have both the Sapphire Reserve and Sapphire Preferred cards. However, bonus eligibility for each card will be based on several factors, including previously earned bonus offers, the number of cards opened and closed, among other considerations, a representative for Chase confirmed to TPG.So, what does this mean?FRESHSPLASH/GETTY IMAGESIf you previously received a Sapphire welcome bonus:Retroactively, if you received a Sapphire welcome bonus on a specific card in the past, if you reapply for that card, you will most likely not be eligible to receive another Sapphire welcome bonus on that particular product, even if the 48-month mark has passed.For example, senior travel editor Lyndsey Matthews downgraded her Chase Sapphire Preferred in April, which she's held since 2016, to the Chase Freedom Unlimited® (see rates and fees) and then reapplied for the Preferred card. At that time, she was eligible for the welcome bonus offer.However, with Chase's new policy, she would not be eligible for another Sapphire Preferred welcome bonus, even if she downgraded her card and 48 months had passed.Daily NewsletterReward your inbox with the TPG Daily newsletterJoin over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s expertsYou currently hold a Sapphire credit card:You may not be eligible for a Sapphire bonus if you currently hold one of the Sapphire cards. However, if you are no longer a Sapphire customer, you may be eligible for a bonus if you have not received a welcome offer from a particular Sapphire product.Therefore, if you hold the Sapphire Preferred and want to apply for the Sapphire Reserve (and have never held that card), though you can now hold both cards at the same time, you would most likely not be eligible for the Sapphire Reserve bonus. However, if you downgrade your Sapphire Preferred and then apply for the Sapphire Reserve, you may qualify for the welcome bonus.For example, senior points and miles editor, Gabrielle Bernardini, previously held the Sapphire Reserve and downgraded to the Chase Freedom Unlimited. Since she no longer holds a Sapphire card, if she applies for the Sapphire Preferred, she would likely be eligible for the welcome bonus since she never received a bonus offer on that specific card.You previously held both Sapphire cards:If you have the Sapphire Reserve and had the Sapphire Preferred, you could apply for the Sapphire Preferred, but you most likely wouldn't be eligible for the bonus since you previously earned a Sapphire Reserve and a Sapphire Preferred bonus.For example, editorial director Carly Hefland previously held the Sapphire Reserve. She downgraded to the Freedom Unlimited and applied for the Sapphire Preferred, which she currently holds. If she reapplies for the Sapphire Reserve, she may be approved for the card, but would most likely not earn a bonus on it since she previously received a welcome offer on that specific card and currently holds the Preferred card.Again, this new policy applies to all Sapphire consumer cards, excluding the new Sapphire Reserve for Business.JUSTIN PAGET/GETTY IMAGESCheck Sapphire eligibility with Chase's card tool:Following the changes to bonus offer eligibility, Chase has implemented a pop-up tool for card applications that will tell you if you're eligible for a welcome bonus before you proceed, with no impact on your credit score. This is the best way to confirm your eligibility for a welcome bonus.Related: The ultimate guide to credit card application restrictionsBottom lineWhile these new bonus eligibility rules may not be favorable to some current Sapphire cardholders, if you do meet the eligibility requirements, you can earn a very lucrative bonus. The biggest takeaway is that if you have earned a Sapphire bonus previously, you most likely will not be eligible to earn another one for that particular Sapphire card.However, it's a nice addition that you can now hold both the Sapphire Reserve and Sapphire Preferred to really maximize your Ultimate Rewards points earnings and utilize the new perks on the Reserve.Featured image by LIUBOMYR VORONA/GETTY IMAGESEditorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.ADVERTISEMENTADVERTISEMENTADVERTISEMENTTPG featured cardBest for businesses with high spendingCapital One Venture X BusinessApply for Capital One Venture X BusinessTerms & restrictions apply. See rates & feesTPG Editor‘s RatingOpen Editors ratingCard Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.4.5 / 5Go to reviewApply nowApply for Capital One Venture X Businessat Capital One's secure siteRewards2 - 10X milesdetails2X miles2 miles per dollar on every purchase5X miles5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel10X miles10 miles per dollar on hotels and rental cars booked through Capital One Business TravelIntro offerLIMITED-TIME OFFER: Earn up to 400K bonus milesdetailsEarn 200K miles when you spend $30K in the first 3 months, and an additional 200K miles when you spend $150K in the first 6 monthsAnnual Fee$395Recommended Credit740-850Excellentmore infoCredit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Why We Chose ItThe Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit.Pros & ConsProsThe Capital One Venture X business card has a very lucrative welcome offer.In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.Business owners are also able to add employee cards for free.ConsThe card requires significant spending to earn the welcome offer.Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel. More DetailsLIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 monthsEarn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictionsEarn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business TravelWith no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewardsEmpower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with easeRedeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programsEvery year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business TravelReceive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollmentEnjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier CollectionThis is a pay-in-full card, so your balance is due in full every monthApply nowApply for Capital One Venture X Businessat Capital One's secure siteTerms & restrictions apply. See rates & feesBest for businesses with high spendingCapital One Venture X BusinessTPG Editor‘s RatingOpen Editors ratingCard Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.4.5 / 5Go to reviewRewards Rate2X miles2 miles per dollar on every purchase5X miles5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel10X miles10 miles per dollar on hotels and rental cars booked through Capital One Business TravelIntro OfferOpen Intro bonusEarn 200K miles when you spend $30K in the first 3 months, and an additional 200K miles when you spend $150K in the first 6 monthsLIMITED-TIME OFFER: Earn up to 400K bonus milesAnnual Fee$395Recommended CreditOpen Credit score descriptionCredit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.740-850ExcellentWhy We Chose ItThe Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit.View MorePros + consMore DetailsProsThe Capital One Venture X business card has a very lucrative welcome offer.In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.Business owners are also able to add employee cards for free.ConsThe card requires significant spending to earn the welcome offer.Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel. LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 monthsEarn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictionsEarn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business TravelWith no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewardsEmpower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with easeRedeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programsEvery year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business TravelReceive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollmentEnjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier CollectionThis is a pay-in-full card, so your balance is due in full every monthgtm--featured-card-10186

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