Replace 6/23/25: I simply wish to reiterate that the brand new guidelines should not solely unfavourable, but in addition have the optimistic potential final result of with the ability to get one other Sapphire bonus in lower than 48 months. Reader Ashly stories getting accredited in beneath 24 months from her prior Sapphire bonus with none popup points.
Replace 6/23/25: That is what the pop up appears to be like like.
Unique Submit 6/17/25:Â
Chase has stated to numerous media retailers that the are disposing of the 48 month signup bonus eligibility restriction in favor of a proprietary dedication by the financial institution of signup bonus eligibility.
Theoretically somebody is perhaps deemed by Chase to be eligible in lower than 48 months. Virtually Chase appears to be getting stricter and may deem somebody ineligible even past 48 months. It’ll all depend upon how worthwhile Chase deems you or no matter different components they take into account.
Chase will introduce a discover in the course of the software circulation which is able to let in case you are not eligible for the bonus and provide the option to proceed or cancel the appliance. This is smart: for the reason that bonus dedication is variable based mostly in your buyer historical past, they’ll let in the course of the software in case you are eligible for the bonus.
We’re transitioning away from the household of playing cards each 48 month eligibility to a identical product premium eligibility. The timeframe will likely be longer than 48 months however we aren’t in a position to share extra particulars.
American Specific has lengthy had this technique whereby they’ll let in the course of the software circulation in case you are eligible for a bonus. It’s sometimes called ‘AmEx pop up jail’ whereby somebody makes an attempt to use for a card and will get a ‘pop up’ discover from Amex informing them they’re eligible for the bonus.
I’m undecided precisely how the discover will show with Chase, however we’d as nicely name this new Chase bonus denial, ‘Chase pop up jail’.
These modifications will go in impact on June 23, 2025.
For now I’m solely seeing this new change for the Sapphire Reserve and Most well-liked playing cards. It’s potential that each one different playing cards, in the intervening time, won’t have this new notification system and can run with all the guidelines that we’ve seen till now.
New account bonus provide eligibility for both card will likely be based mostly on components together with beforehand earned bonus gives and the variety of playing cards opened and closed, amongst others.
Customers making use of by way of most channels will likely be notified in the course of the software course of if they don’t seem to be eligible for a bonus provide and given the selection to proceed the appliance or cancel the appliance with no influence to their credit score rating.
Over time, it’s potential that this pop-up methodology will ultimately exchange the entire 5/24 rule, as Chase will determine with every software whether or not to permit a bonus or not. For now, we haven’t heard any point out of modifications to five/24.
