This page includes information about American Express products currently unavailable on Slickdeals.

The Chase Sapphire Reserve® launched in 2016 and quickly became one of the top travel credit cards you could have in your wallet. At the time, I was a credit cards writer at a fintech company and covered the card’s inaugural 100,000-point sign-up bonus, its luxury benefits and easy-to-use travel credit that made it much less expensive than it looked.

But there was one big problem: I couldn’t apply for it. Just a year earlier, Chase began declining applications for its flagship credit cards if the person applying had opened five or more new credit card accounts in the previous 24 months. I’ve always thought this unofficial 5/24 rule has been fair as it stops serial credit card “churners” from opening new accounts with the bank just to get the bonus and then canceling them.

But because I’ve opened and kept so many credit cards over the years, it wasn’t until 2022 that I was eligible to apply for the Sapphire Reserve. Here’s why it was worth the wait.