Chase Sapphire Preferred: 90k In-Branch Offer (Now Live)


Update 3/24/23: This offer is now live in Chase branches across the US and we’ve received numerous reports of successful applications.

We’ve seen a number of reports over the past few days about a 90K offer for the Chase Sapphire Preferred (CSP) card that will soon be available in-branch. Doctor of Credit received a Chase internal memo which indicates that, starting 3/19, there will be an in-branch welcome offer of 80,000 Ultimate Rewards points after $4,000 in spend within the first 3 months plus an additional 10,000 points after spending $6,000 total within the first 6 months.

Our assumption is that this will be available at all Chase locations. However, as always with these in-branch offers, it can pay to call and confirm before going.

The Offer and Key Card Details

  • There is an in-branch offer for the Chase Sapphire Preferred that’s good for 90K points after $6K in total purchases within the first 6 months.

Card details are below. Note that if you click the card name below, you’ll be taken to our card-specific page, which has the current public online offer information. This is NOT the 90K in-branch offer that will be starting soon.

Card Name w Details No Review (no offer)
Chase Sapphire Preferred® Card

Annual Fee: $95

Card Type: Visa Signature


Earning rate: 5X Travel booked through Chase (2X all other travel) ⚬ 3X Dining ⚬ 3X Select streaming services ⚬ 3X Online grocery ⚬ 5X Lyft (through March 2025) ⚬ 10% annual point bonus

Noteworthy perks: Primary auto rental collision damage waiver ⚬ Free DashPass through 2025 ⚬ Transfer points to airline & hotel partners ⚬ $50 annual credit for hotel stays booked through Chase ⚬ $15 quarterly Instacart credit ⚬ 6 months free Instacart+ ⚬ $10 monthly GoPuff credit (through 12/31/23)

See also: Sapphire Preferred 100K Q&A: Everything you need to know

Image courtesy of Doctor of Credit

Quick Thoughts

We see better in-branch offers for the Sapphire Preferred now and then — sometimes the online offer also increases, but not always. While 90K points isn’t the best offer that we’ve ever seen on the Sapphire Preferred (it’s been as high as 100K), it is still an excellent offer that could be well worth the trip to a Chase branch.

Currently, referral links go to the 60K public offer. However, if that increases, a household referral would add another 15,000 points to the total haul. If you’re in a 2-player household and already have one Sapphire Preferred, it may be worth holding off for a bit to see whether or not this 90K offer eventually goes online.

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Tim, can you please confirm comments below regarding if I have the Sapphire Reserve now (obtained in 2017), product change to a Freedom now, can I apply for the Sapphire Preferred immediately and get the bonus? Or do I need to wait for some period of time? Assume I meet 5/27 rule.


And before i product change, move points to a card that transfers to partners!


I was told in branch, & they confirmed via phone with card services, that I need to wait 31 days after downgrade of reserve to freedom flex before the option to get preferred would appear in my in branch account application.


Thank you for the update.


Went to branch today and my account was updated and showed eligible. App got approved. It did not take 31 days. Banker was very accomodating, and remembered me because this was my 4th attempt.


I am now seeing referral links for 80K CSP online today.

[…] to Doctor of Credit and Frequent Miler for reporting on the increased welcome […]


Does anyone know if we are eligible for the referral points with this offer? For instance if I go to the branch with my husband to open this card for him and say I’m referring him, would they give me the 15k points?


I know the bonus restrictions include 1) Not having received a sapphire bonus in past 48 months and 2) not currently having an open Sapphire card. I have the Sapphire Reserve now, which I obtained about six years ago. If I cancel the Reserve now, can I apply for the Sapphire Preferred a few weeks later? I will meet the technical requirements for the bonus, but will Chase hold the Reserve cancellation against me?


As far as I know, you will not be eligible for a new CSP for 24 months after account closing.


This is not true. Plenty of dp proved otherwise.


Product change the old Sapphire to a Freedom card. The freedom and the freedom flex will give you 5x rotating categories. Product changing will preserve the credit card history/age of accounts.

The Value Traveler

Any DP’s of SM to get the offer if already got it?


My friend applied online using my referral link a month ago. Would they match the bonus?


I called the Chase card customer service line recently to ask this because I opened my CSP on 2/20 and then saw this offer and they DID honor the in-branch offer for me (but only up to the 80,000. I’m not eligible for the additional 10k but I’ll take it.) I am hearing others having mixed luck trying this. It might depend on the agent you speak with.


I saw a rumor that the public offer will be 80k.


Try requesting via secure message. For my family, they always say as soon as I reach min spend for bonus, I may request it. I always refer to my original match request and their secure message response once I meet min spend.


I assume there will be the usual 5-24 consideration in obtaining this card?

Darla Perry

Disqualified if prior CSP?


I think it’s 48 months since the last welcome bonus was earned.


I downgrade this card to a Flex last Oct. what are the chances of me getting this again? (originally got it in 2020)


Need to wait 48 months between Sapphire bonuses, so yes you can get the card, but NO you won’t get the bonus


Drat.. that’s what I was afraid of… thanks


And what are the restrictions for getting this card again?