June 23, 2025
Rule retired
Starting June 23, 2025, Chase allowed approval for the Sapphire Reserve while holding the Sapphire Preferred and vice versa, and customers could hold the Preferred, Reserve, and Reserve for Business together.
Documented rule history
Retired — last confirmed June 23, 2025Chase One-Sapphire rule
Is the Chase One-Sapphire rule still active? On our documented record it is retired, last confirmed June 23, 2025: Rule retired. We have 3 dated, sourced changes on record since 2017. Statuses reflect documented confirmations, not live issuer policy.
Every documented change — newest first
October 15, 2017
Confirmed as limited to the Sapphire family (not other card brands)
After several readers reported denials citing similar reasons for non-Sapphire families, Doctor of Credit gathered data points and judged a broader one-card-per-brand rule unlikely.
Sources:doctorofcredit.com ↗
August 27, 2017
Rule first documented (internal memo)
A Chase memo to employees stated that as of August 27 it was no longer possible to hold more than one Sapphire card; Chase confirmed the implementation date to NerdWallet, and existing holders of multiple Sapphire cards were not affected.
Questions
Is the Chase One-Sapphire rule still active?
No — retired on our documented record, as last confirmed June 23, 2025: Rule retired. Always verify before applying — issuers change unwritten rules without notice.
When was the Chase One-Sapphire rule first documented?
August 27, 2017: Rule first documented (internal memo). Since then we have documented 3 changes, each dated and sourced on this page.
What changed most recently in the Chase One-Sapphire rule?
June 23, 2025 — Rule retired. Starting June 23, 2025, Chase allowed approval for the Sapphire Reserve while holding the Sapphire Preferred and vice versa, and customers could hold the Preferred, Reserve, and Reserve for Business together.
Application rules are unwritten issuer policy; they change and get enforced without notice, and exceptions exist. Statuses reflect our last documented confirmation, not live issuer policy. Not financial or legal advice.
Cite this data
Bonus Eagle. “Chase One-Sapphire rule — The Application Rules Record.” bonuseagle.com. https://www.bonuseagle.com/rules/chase/one-sapphire-rule
Data is free to use with attribution to bonuseagle.com.
All Chase rules: the full issuer page.