Should you’re a certified person on another person’s Chase Sapphire Most popular® Card (see charges and charges), you is likely to be questioning whether or not that impacts your capability to open your personal account — and, importantly, whether or not you may nonetheless earn the welcome provide.
The excellent news is that being a certified person doesn’t routinely stop you from making use of for the Sapphire Most popular or incomes its welcome provide, so long as you meet Chase’s present bonus eligibility guidelines. That’s particularly encouraging on condition that Chase is presently providing new Sapphire Most popular cardholders a stable welcome bonus of 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Should you switch your factors to considered one of Chase’s airline or lodge companions, the worth of this bonus is as much as $1,538, in keeping with our December 2025 valuations.
Right here’s what you have to learn about Sapphire Most popular eligibility.
Can I open the Sapphire Most popular if I am a certified person on another person’s Sapphire card?
The brief reply is sure. You don’t open your personal particular person line of credit score whenever you’re added as a certified person on a card.
The first cardholder is the one who owns the credit score related to the account. So, within the eyes of the issuer, that is the one one who technically “has” the cardboard. Due to this, you don’t “have” the cardboard and are eligible to get your personal.
You do not have to take away your self as a certified person to use in your personal card, both. This may be an essential consideration, since your credit score rating could also be affected should you take away your self from a long-standing account that anchors the typical age of your accounts.
Should you run into any issues along with your software after being a certified person on another person’s card, it is value calling Chase’s reconsideration line to elucidate your state of affairs to a customer support consultant.
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Nevertheless, there are some restrictions to notice in terms of making use of for any Chase card. Plus, Sapphire playing cards include some particular stipulations of their very own. Let’s look at these software guidelines to see if they may have an effect on your software.
Associated: As a certified person, can I open my very own account for a similar card?
Sapphire Most popular software guidelines
Chase has two nuanced software guidelines that might have an effect on your capability to earn the Sapphire Most popular‘s welcome provide, so it is essential to know how they work earlier than making use of.
Chase’s 5/24 rule
The notorious Chase 5/24 rule restricts anybody who has opened 5 or extra private bank cards within the final 24 months from being authorised for a brand new Chase card.
Apart from some enterprise playing cards, each card you have efficiently utilized for within the final 24 months counts in opposition to this rule. You need to be under 5/24 to be authorised for a card from Chase.
Approved person playing cards (if they have been opened within the final 24 months) usually rely in opposition to your 5/24 standing, although you are not the first cardholder.
Should you’re denied a Chase card for that reason, there could possibly be a simple means out. Should you name the reconsideration line and clarify the state of affairs, a Chase consultant might not rely a card you are a certified person on towards your 5/24 standing. Nevertheless, this doesn’t assure you may be authorised.
Sapphire household rule
You possibly can maintain a couple of Chase Sapphire card concurrently, such because the Sapphire Most popular and the Chase Sapphire Reserve® (see charges and charges). Nevertheless, whereas holding a number of Sapphire playing cards is allowed, incomes a welcome provide is a separate consideration.
Chase evaluates Sapphire welcome bonus eligibility primarily based on a number of components, together with your present Sapphire card holdings and your prior bonus historical past:
- You might be probably ineligible to earn a welcome bonus on a Sapphire card should you’ve beforehand earned a welcome bonus on that very same product.
- You additionally might not be eligible for a welcome bonus on a Sapphire card should you presently maintain one other Sapphire card as a major cardholder, even should you’ve by no means earned a bonus on the product you’re making use of for.
Do not forget that approved customers should not thought-about major cardholders. Should you’ve solely ever been a certified person on a Sapphire card — and don’t presently maintain a Sapphire card in your personal identify — these Sapphire bonus restrictions will usually not have an effect on you.
Associated: The final word information to bank card software restrictions
Am I eligible for the Sapphire Most popular’s welcome bonus?
It’s possible you’ll be eligible for the Chase Sapphire Most popular’s welcome bonus if you don’t presently maintain one other Sapphire card as a major cardholder and haven’t beforehand earned a welcome bonus on the Sapphire Most popular.
It is also really helpful that you’ve got a credit score rating of 670 or above to enhance your probabilities of approval.
To scale back guesswork, Chase has an eligibility pop-up through the software course of that may let you know whether or not you’re eligible for the Sapphire Most popular’s welcome bonus earlier than you proceed. Checking your eligibility this manner doesn’t affect your credit score rating.
Backside line
Being a certified person on another person’s Sapphire card doesn’t stop you from opening your personal account or incomes the welcome bonus. Nevertheless, Chase’s Sapphire bonus guidelines imply eligibility relies upon not solely in your bonus historical past, but in addition on whether or not you presently maintain a Sapphire card as a major cardholder.
Your probabilities of qualifying are usually sturdy so long as you:
- Are below Chase’s 5/24 restrict
- Have a credit score rating of 670 or above
- Don’t presently maintain a Sapphire card
- Have by no means earned a Sapphire Most popular welcome bonus
To study extra, take a look at our full evaluation of the Sapphire Most popular.
Apply now: Chase Sapphire Most popular Card
