Last updated February 20, 2026
60,000 Ultimate Rewards points
Spend $4,000 within 90 days
Annual Fee: $95
3x dining & streaming, 2x travel, 1x everything else
Chase 5/24 rule applies. Not available if you currently hold a Sapphire card or received a Sapphire bonus in the last 48 months.
Approval Rate
67%
2 of 3 approved
Data Points
3
2 approved · 1 denied
Avg Credit Score
720
Range: 680–760
Most Common Income
$50k-$75k
2 of 3 reported
Approval vs Denial
4/24 at time of application. Instant approval with $12k limit.
Feb 20, 2026
3/24, approved after recon call. $8k limit.
Feb 18, 2026
5/24 — denied immediately.
Feb 15, 2026
Has anyone had luck getting matched to a higher offer after applying? I've seen DPs of 80k offers via referral.
Applied and got instant approval with a 780 score. The 60k bonus posted within a week of meeting the spend requirement.