Chase Limits Customers to Just One Sapphire Card (Now Reversed)
Chase's policy, in effect from 2017 to 2025, was mostly designed to prevent cardholders from collecting multiple bonuses.
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Updated · 1 min read
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Managing Editor Policy has changed
Beginning June 23, 2025, Chase will allow customers to apply for the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® even if they already have one of these cards. Previously, the issuer had a policy preventing cardholders from applying for multiple cards in the Chase Sapphire family. Under the new rules, if you are approved for a second Sapphire card, your eligibility for a new-cardholder bonus offer will be based on factors including previously earned bonuses and the number of cards opened and closed, among others, according to Chase.
The article below was originally published on Aug. 30, 2017, when Chase first instituted its "One Sapphire Card" policy, and it should be considered out of date.
If you already have a Chase Sapphire card and are itching to get another, we have bad news for you.
A policy spelled out in the issuer's Sapphire card agreements prevents cardholders from applying for multiple cards in the Chase Sapphire family. This includes the Chase Sapphire (which is no longer taking new applications), the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®. Chase confirmed that the rule was implemented on Aug. 27, 2017. It mostly prevents cardholders from collecting multiple large sign-up bonuses.
In addition, the Sapphire cards are still subject to Chase's 5/24 rule, which makes it harder for people who have recently applied for several credit cards to get approved for one.
Here’s what the "One Sapphire Card" rule means for you:
If you have a Sapphire card: You can’t get another
You might want multiple Sapphire cards for the big sign-up bonuses, which you can move between your accounts and redeem from whichever offers the best point value. You won’t be able to do that — at least not with the Sapphire cards. However, you can still move points from the Chase Freedom®, Chase Freedom Flex® or Chase Freedom Unlimited® to your Sapphire card to get a higher redemption value.
If you already have multiple Sapphire cards: You Aren't affected
If you already have multiple Sapphire cards, you can continue using them. You just can't apply for more.
If you’re trying to upgrade or downgrade a Sapphire card: You won’t earn a welcome bonus
If you’ve had a change of heart — or a change of spending habits — and want to turn your Chase Sapphire Preferred® Card into a Chase Sapphire Reserve®, you might still be eligible to make the switch, but you won’t collect a sign-up bonus. Call Chase's customer service line if you want to change products.
If you’ve closed a Sapphire account recently: You might not qualify for a new card
Cardholders who have earned a sign-up bonus within the last 48 months won’t be eligible for a new Sapphire card — even if their previous Sapphire card has since been closed. Before you close an account, make sure you really want to go through with it. You might not qualify for a new Sapphire card right away if you change your mind.
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