Chase Sapphire Preferred 100k Bonus: Live Offer Is 75k

If you searched for the Chase Sapphire Preferred 100,000 point bonus, I need to correct that number before you go any further. My spouse and I each earned 100,000 points when we applied earlier this year, but that offer is gone. As of today, October 1, 2026, my Chase referral link shows 75,000 bonus points after $5,000 in purchases in the first three months, $95 annual fee. Chase's own Sapphire Preferred page shows the same 75,000 right now. That referral link is mine. If you apply through it, I may earn points, and it costs you nothing extra. Offers change without notice, so trust the live page over anything written here, including this one.

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 don't have. If you're carrying a balance on any card right now, this isn't the move for you. If that's not you, and you have real spending coming in the next 90 days, the referral link above is the current 75,000 point offer.

Why we opened two cards, back when it was 100k

We wanted a trip to Italy. That was the plan when we applied. Bathroom and flooring work at the house was already on the calendar, going to happen with or without a rewards card. One card with 100,000 points is a start. Two cards, one each, turned that same house spend into a real trip's worth of points.

Two of us live here, and we each applied on our own. Chase pays the new-cardmember bonus per person who qualifies, not per household, so we each got our own bonus on our own card.

The spend we were going to do anyway

Bathrooms and flooring were already budgeted. You pay a contractor whether you have a points card or not, so the minimum spend wasn't a shopping spree, it was the bill we were already going to pay. We hit $5,000 in about two months just by routing that work through the card and paying it off.

That's the only version of this I'd tell someone to copy: a floor, a contractor, insurance work, a dental bill, something already on your calendar. If you don't have real spending coming, don't invent $5,000 of purchases to chase a bonus. That's how people end up in debt for a coupon.

What we do with the points now

Italy got postponed. Family travel took priority, so a lot of those points are still sitting in our Ultimate Rewards accounts instead of on a flight to Rome. I transfer Ultimate Rewards points to United when I use them, since that's the airline whose routes match where we actually fly, mostly Colorado Springs to Chattanooga and back, visiting family. Cash fares on that route aren't always cheap, so I compare the points price against the cash price each time and only use points when the math wins. Some searches it's an easy yes. Other times a sale fare beats the points and I pay cash and save the points for the next trip. Italy is still on the list, just not the trip these points are funding right now.

What those points are actually worth

I'm not a points blogger. The honest floor is 1 cent a point if you redeem for cash or a statement credit. Transfers to airline partners like United can be worth more or less than that depending on the route and the day, and I won't publish a fake fare to make the math look better than it is.

75,000 points, the live bonus today, floors at $750. 100,000 points, what each of us actually earned earlier this year, floors at $1,000. Two of us at 100,000 each floored at $2,000 combined, which is why two cards felt like a real trip and not a coupon. Apply today as two people and you'd land at 150,000 combined, $1,500 at the floor, unless a bigger promo comes back. United transfers have beaten that floor for us on the Colorado Springs to Chattanooga route more often than not, but check the redemption yourself before you count on it.

Should you still apply

If you have a few thousand dollars of real spending coming, you pay the card off every month, and you don't already have this card, it's still worth a look at 75,000 points. $95 a year, no foreign transaction fee, which matters if travel at all is the point. If funding trips out of spending you already have, instead of spending you invent, sounds like your kind of move, I wrote about the same idea for winter travel in how to become a snowbird without being rich.

Since these points usually turn into a flight, not a road trip: pack a real portable charger. A dead phone during a gate change or a layover is a worse problem than the cost of fixing it, so we keep a compact charger like this one in every carry-on now, nothing fancy, just enough capacity to get a phone through a full travel day.

I wouldn't open this card while carrying a balance. I wouldn't have both people in a household apply if one of you already got a Sapphire Preferred bonus before, Chase treats it as a once-per-person bonus and won't pay it twice. And I wouldn't treat a referral post as a guarantee of approval, Chase can still say no. If you do apply, check the live offer on my referral link above before you commit, since the number can change again.