Chase Sapphire Reserve 100,000 Ultimate Rewards points credit card sign-up bonus: the real math
Chase Sapphire Reserve pays 100,000 Ultimate Rewards points on the Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($2,027/hr).
The offer: Chase Sapphire Reserve is paying 100,000 Ultimate Rewards points on the Credit Card.
What you have to do: Apply through a Chase refer-a-friend link and meet the first-year spend requirement. Points are Chase Ultimate Rewards, which transfer one to one to partners such as United, Hyatt and Air Canada Aeroplan, so a cent and a quarter per point is a conservative travel valuation.
The numbers, before you spend an hour on it
| Measure | This offer | | --- | --- | | Payout | 100,000 Ultimate Rewards points | | Money you have to park | None | | How long it sits still | No hold | | Effective annual return on that money | No capital tied up | | Your own time, roughly | 37 minutes | | What that works out to per hour | $2,027/hr | | Minimum to open | Annual fee applies | | Direct deposit needed | No | | When it pays | 6 to 8 weeks after the spend requirement is met |
Is it worth it
Yes, comfortably. Very few side hustles in America pay this well for an evening of paperwork.
Step by step
- Open Chase Sapphire Reserve through the link below and finish the application in one sitting.
- Fund the account with the minimum shown above.
- Leave it alone for the qualifying period so nothing claws the bonus back.
- Expect the payout: 6 to 8 weeks after the spend requirement is met. Put a reminder on your calendar.
The honest part
The button below is my personal referral link, so I may get a bonus too when you sign up. It costs you nothing, and when the public offer pays more I say so instead. Link status at last check: live.
Full payout math, charts and state availability live on the Chase Sapphire Reserve bonus page.
This is not financial advice. Bonus terms change; read the bank's page before you apply.
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