Chase Sapphire Reserve 70K offer in-branch

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Doctor of Credit reports that there is a new in-branch offer of 70,000 Ultimate Rewards points after $4,000 in purchases in the first 3 months when you open a new Chase Sapphire Reserve card. If you are planning to apply and live near a branch, this could be an easy extra 10K points.

The Offer & Key Card Details

  • Chase has an in-branch offer of 70,000 Ultimate Rewards points after $4K in purchases in the first 3 months on the Chase Sapphire Reserve card. This offer is not available online (the current public online bonus can be found here).
Card Name w Details & Review (no offer)
Chase Sapphire Reserve Card

FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom Flex, no-fee Freedom Unlimited & no-fee Chase Ink Cash


Annual Fee: $550

Card Type: Visa Infinite

Base
Travel
Dine
Other

Earning rate: 3X Travel and Dining ⚬ 10X Lyft (through March 2022)

Noteworthy perks: $300 Annual Travel Credit ⚬ Points worth 1.5 cents each towards travel ⚬ Primary auto rental collision damage waiver ⚬ Priority Pass Select lounge access ⚬ $100 Global Entry fee credit ⚬ $60 annual DoorDash credit in 2020 & 2021 ⚬ Free DashPass for at least 1 year (activate by 12/31/21) ⚬ One year Lyft Pink membership ⚬ Earn 10X on Lyft spend

See also: Chase Ultimate Rewards Complete Guide

Quick Thoughts

In-branch offers rarely catch my eye. That is mostly because I don’t live near branches of most national chain banks but also because the hassle of going into a branch and waiting to speak to a person and listen to whatever else they want to pitch just doesn’t appeal to me unless there is a big advantage. On the other hand, if you’re able to waltz in and apply relatively quickly, it could obviously be worth 10K extra points.

While Chase used to be pretty good about matching a higher offer when you’ve applied recently before an increase, they have become much less reliable about that. I wouldn’t expect to be matched to this offer if you’ve recently applied. On the other hand, I always say that you hit 0% of the balls at which you do not swing. If I applied recently, I’d probably take the 45 seconds to compose a secure message and ask for a match, but I’d do so with low expectations of success.

Overall, I think most people would be better off considering the Sapphire Preferred given that card’s current 100K offer. Unless you intend to use points at 1.5c each either through the Chase travel portal or via Chase Pay Yourself Back in the near-term, I’d lean toward the Sapphire Preferred for now and potentially upgrading that to a Sapphire Reserve down the line if you want that card long-term but don’t need the benefits right now.

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