Tuesday - Jun 18, 2019

Chase Sapphire Preferred Credit Card – In Branch Application

Chase Sapphire Preferred has an improved sign up bonus of up to 55,000 Ultimate Reward points when you spend $4,000 or more with in 3 months and add an authorized user.





It is also known that Chase has tightened the approvals for the chase branded cards (Chase Freedom, Chase Sapphire Preferred, Chase Slate etc..).  The rule seems to be “No more than 5 cards in the past 24 months” for approval – which could be a tough requirement for many us.


My Application at a Chase Branch:

I was in a local Chase branch to perform a banking transaction. At the end of the transaction, teller mentioned that I am pre-approved for a Chase credit card and could provide more details if I am interested.


Being curious, I decided to discuss with a personal banker. Upon review, he showed me the screen which listed 2 pre approved offers “Chase Freedom” and “Chase Sapphire Preferred” cards.


The banker seems to be very confident of the approval as long as I am willing to reallocate my credit lines (if required). As I got a lot of cards in the recent past, I was a little skeptical about it, but decided to bite the bullet and applied for the Chase Sapphire Preferred card.


After submission of application, the decision was pending and the screen provided a phone number to call. Banker called and talked to the credit analyst and got the approval after a 1-2 minute hold. I didn’t even have to reallocate my credit line.


At the end of the call, Credit analyst talked to me to congratulate. The whole call was less than 3 minutes. This flyertalk thread also mentioned a few reports of success for in-branch applications.


While you could still get denied, you may have a better chance of approval when applied in branch, especially if you got more than 5 cards in the last 24 months.



Chase Sapphire Preferred has an improved signup bonus of 55,000 points (50,000 points after spending $4,000 or more with in 3 months and an additional 5,000 points for adding an authorized user and making a first purchase)

During a branch visit, I was informed by the teller that I am pre-approved for the Chase Sapphire Preferred card. I had success getting approved for the card when applied in branch even though I got more than 5 cards in the last 24 months.

If you decide to apply for the Chase Sapphire Preferred  card and have more than 5 cards in the last 24 months,  you may have  a better chance of getting approved if you apply in branch.


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Editorial Note: Opinions, analysis and any calculations shown are authors alone. Information in this post is not reviewed, approved and endorsed by any airlines, frequent flyer programs or financial institution

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