Should you’re a certified consumer on another person’s Chase Sapphire Most well-liked® Card (see charges and costs), you is perhaps questioning whether or not that impacts your potential to open your individual account — and, importantly, whether or not you possibly can nonetheless earn the welcome supply.
The excellent news is that being a certified consumer doesn’t routinely forestall you from making use of for the Sapphire Most well-liked or incomes its welcome supply, so long as you meet Chase’s present bonus eligibility guidelines. That’s particularly encouraging on condition that Chase is at present providing new Sapphire Most well-liked cardholders a strong 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 certainly one of Chase’s airline or resort companions, the worth of this bonus is as much as $1,538, in line with our December 2025 valuations.
Right here’s what you must learn about Sapphire Most well-liked eligibility.
Can I open the Sapphire Most well-liked if I am a certified consumer on another person’s Sapphire card?
The quick reply is sure. You don’t open your individual particular person line of credit score once you’re added as an licensed consumer 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 individual.
You do not have to take away your self as a certified consumer to use on your personal card, both. This may be an necessary consideration, since your credit score rating could also be affected in the event you take away your self from a long-standing account that anchors the common age of your accounts.
Should you run into any issues together with your software after being a certified consumer on another person’s card, it is price calling Chase’s reconsideration line to elucidate your scenario to a customer support consultant.
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Nevertheless, there are some restrictions to notice on the subject of making use of for any Chase card. Plus, Sapphire playing cards include some particular stipulations of their very own. Let’s study these software guidelines to see if they may have an effect on your software.
Associated: As a certified consumer, can I open my very own account for a similar card?
Sapphire Most well-liked software guidelines
Chase has two nuanced software guidelines that would have an effect on your potential to earn the Sapphire Most well-liked‘s welcome supply, so it is necessary to grasp 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 accredited for a brand new Chase card.
Excluding some enterprise playing cards, each card you have efficiently utilized for within the final 24 months counts in opposition to this rule. It’s important to be under 5/24 to be accredited for a card from Chase.
Approved consumer playing cards (if they have been opened within the final 24 months) usually depend in opposition to your 5/24 standing, though you are not the first cardholder.
Should you’re denied a Chase card because of this, there may very well be a simple approach out. Should you name the reconsideration line and clarify the scenario, a Chase consultant could not depend a card you are a certified consumer on towards your 5/24 standing. Nevertheless, this doesn’t assure you may be accredited.
Sapphire household rule
You’ll be able to maintain multiple Chase Sapphire card concurrently, such because the Sapphire Most well-liked and the Chase Sapphire Reserve® (see charges and costs). Nevertheless, whereas holding a number of Sapphire playing cards is allowed, incomes a welcome supply is a separate consideration.
Chase evaluates Sapphire welcome bonus eligibility based mostly on a number of components, together with your present Sapphire card holdings and your prior bonus historical past:
- You’re probably ineligible to earn a welcome bonus on a Sapphire card in the event you’ve beforehand earned a welcome bonus on that very same product.
- You additionally is probably not eligible for a welcome bonus on a Sapphire card in the event you at present maintain one other Sapphire card as a major cardholder, even in the event you’ve by no means earned a bonus on the product you’re making use of for.
Do not forget that licensed customers aren’t thought-about major cardholders. Should you’ve solely ever been a certified consumer on a Sapphire card — and don’t at present maintain a Sapphire card in your individual 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 well-liked’s welcome bonus?
Chances are you’ll be eligible for the Chase Sapphire Most well-liked’s welcome bonus if you don’t at present maintain one other Sapphire card as a major cardholder and haven’t beforehand earned a welcome bonus on the Sapphire Most well-liked.
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 inform you whether or not you’re eligible for the Sapphire Most well-liked’s welcome bonus earlier than you proceed. Checking your eligibility this manner doesn’t influence your credit score rating.
Backside line
Being a certified consumer on another person’s Sapphire card doesn’t forestall you from opening your individual 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 at present 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 at present maintain a Sapphire card
- Have by no means earned a Sapphire Most well-liked welcome bonus
To be taught extra, try our full evaluation of the Sapphire Most well-liked.
Apply now: Chase Sapphire Most well-liked Card
