Chase Sapphire Preferred 100,000 Point Bonus: How We Earned It on House Work

Some links below are referral links. If you apply through my Chase link I may earn points. I opened this card myself. The numbers in this article, including the current bonus, were accurate as of August 2026. Chase offers change without notice, so always check the live page and Chase's rates and fees before you apply.

We each earned the 100,000-point Sapphire Preferred bonus when we applied earlier this year. Chase isn't running that offer right now, as of August 2026 the bonus is 75,000 points, but it's shown up before and could come back. We hit the $5,000 spend requirement in about two months because we put bathroom and flooring work we already had budgeted on the card, an expense that was going to happen anyway. Pay it off, and the bonus turned into a trip to Italy on a bill we already would have had. That was the whole trick.

This only works if you pay the card off every month. If you carry a balance, or you go into debt to hit a bonus, skip it. Interest will eat the points and then some.

The Chase Sapphire Preferred 100,000 point bonus is the offer people still search for, and it's the one we actually got, each of us. It isn't the offer running right now. Chase's current bonus is 75,000 points, and the 100,000 version comes and goes as a periodic promo. If you apply today, check what is actually on offer before you assume either number.

As of August 25, 2026, my Chase referral page shows 75,000 bonus points for Sapphire Preferred after $5,000 in purchases in the first three months. The annual fee is $95. Check the page. If the number moved, believe the page, not this article. Chase Sapphire Preferred rates and fees.

Pay it off every month or skip it

I would not open this card if I could not pay the statement in full, every month. Points are not a discount on money you do not have. If you are still paying interest on cards, this is not the move. Responsible or don't bother.

Why we opened two cards

We wanted a trip to Italy. Two award flights, hotels, the rest. The bathrooms and the floors were getting done either way. One card with 100,000 points is a start. Two cards is a real trip, sitting on an expense we already would have had.

My wife opened her own Sapphire Preferred. I opened mine. Chase pays the signup bonus per person who qualifies, not per household.

The spend we were going to do anyway

The offer we got was 100,000 points after $5,000 in purchases in the first three months. Bathrooms and flooring were already on the calendar. You pay for that work whether you have a points card or not. So the minimum spend was not a shopping spree. It was the bill we were already going to pay. Now we get a trip to Italy for an expense we already would have had.

That is the only version of this I would tell somebody else to copy. A floor. A contractor. Insurance. A dental bill. Something already on the calendar in the next 90 days. If you do not already have that spending coming, do not invent $5,000 of stuff to chase a bonus. That is how people end up in debt for a coupon.

What those points can actually buy

I am not a points blogger. The honest floor is 1 cent a point if you take cash or a statement credit. Chase Travel sometimes pays more on select flights and hotels. Transfers to airlines and hotels can be more, or less, depending on the day. I will not publish a fake Rome fare. Here is the floor math, and what we were aiming at.

75,000 points is the live Preferred bonus on my referral page today. At 1 cent, that is $750. That covers a lot of one domestic round trip, or a real chunk of a hotel week. Some Chase Travel bookings pay more than 1 cent. Believe the page when you book, not a blog.

100,000 points is $1,000 at the floor. That is what each of us got. Two of us at 100k is the Italy trip, flights and hotels, sitting on bathrooms and flooring we were paying for anyway. Your dates will price differently.

200,000 points is two people hitting 100k, which we did. $2,000 at the floor. That is why two cards felt like a trip, not a coupon. Chase's current offer is 75,000 points, so two people applying today would land at 150,000 points, $1,500 at the floor, unless the bigger promo comes back.

If you were going to spend the $5,000 anyway, the bonus is extra. If you have to go shopping to hit $5,000, it is not extra. It is a bill.

Should you still apply

If you already have a few thousand dollars of real spending coming, you pay the card off every month, and you do not already have this card, it is still worth looking at. $95 a year. No foreign transaction fee, which matters if Italy, or anywhere, is the point. The signup bonus is the reason people apply. If funding travel out of spending you already have, not spending you invent, is your kind of trip, I wrote about that same idea for winter travel in how to become a snowbird without being rich.

Use my Chase Sapphire Preferred referral link so the offer you see is the live one, and so Chase can credit the referral. Read the rates and fees on that same flow before you hit apply.

What I would not do

I would not open this card if I carry a balance. I would not apply for both cards in the house if one of you already had a Sapphire Preferred bonus. Chase treats this as a once-per-person bonus. I would not treat a referral post as a guarantee you will be approved. Chase can say no.

Quick answers

What is the Chase Sapphire Preferred 100,000 point bonus?

It is a signup bonus Chase runs periodically: 100,000 points after $5,000 in purchases in the first three months. We each got that version when we applied. It isn't the offer running right now, the current bonus is 75,000 points, but the 100,000 version has shown up before and could come back. Check the live application for today's number.

Can my spouse and I both get the Chase Sapphire Preferred signup bonus?

We both did, on two separate cards. Chase pays the new-cardmember bonus per person who qualifies. If one of you already got a Sapphire Preferred bonus, that person may not get it again.

Is the Chase Sapphire Preferred 100,000 point offer still available?

Not right now. We got that version when we applied. As of August 25, 2026, my referral link shows 75,000 points for Preferred after $5,000 in three months. Offers change, and the 100,000 bonus has come back before. Read the page you land on.

How much do you have to spend to get the bonus?

Our offer, and the live Preferred offer on my link today, is $5,000 in purchases in the first three months. We put bathrooms and flooring on the card because that work was happening anyway. The bonus is a trip to Italy on a bill we already would have had.

What can I actually get with 75,000 or 100,000 points?

At the 1-cent floor, 75,000 is $750 and 100,000 is $1,000. That is cash or statement credit. Chase Travel can pay more on some bookings. We treated 100,000 each as an Italy trip on bathrooms and flooring we were paying anyway. Do not count on a blog fare.

Should I get this card if I carry a credit card balance?

No. Pay it off every month or do not open it. Interest will wipe out the bonus.

What is the Chase Sapphire Preferred annual fee?

$95. Not waived.

Should I apply through a referral link?

If you are going to apply, yes. That is how you see the live bonus, and it is the link Chase sent me to share. Mine is on this page.