The Chase Sapphire Reserve® (see rates and fees) is without doubt one of the best rewards credit cards obtainable proper now.
In June, the premium card underwent a refresh with a bunch of new benefits and statement credits, plus a rise within the annual payment to $795. Alongside the Sapphire Reserve adjustments, Chase updated its bonus eligibility policy, which can have an effect on your skill to earn a Sapphire card welcome provide greater than as soon as.
With so many adjustments to the cardboard and a best-ever welcome provide — earn 100,000 factors plus a $500 Chase Travel℠ promo credit score after spending $5,000 within the first three months from account opening — obtainable, TPG readers have had loads of questions. And, we have now the solutions.
Listed here are your steadily requested questions, answered.
What has modified with the cardboard?
The Sapphire Reserve adjustments are as follows:
- The annual payment has elevated from $550 to $795.
- The approved person payment has elevated from $75 to $195.
- Choose incomes charges have been adjusted: Resorts and rental automobiles booked by way of Chase Journey decreased from 10 factors to eight factors per greenback, flights booked by way of Chase Journey elevated from 5 factors to eight factors per greenback, flights and motels booked immediately elevated from 3 factors to 4 factors per greenback and all different journey bookings (cruises, trip leases and transit) went down from 3 factors to 1 level per greenback.
- Chase added new journey and life-style credit, together with StubHub and Apple TV. Try the complete checklist of credit here.
- Obtain complimentary IHG One Rewards Platinum Elite standing by way of Dec. 31, 2027.
- Get extra perks, together with IHG One Rewards Diamond Elite standing, Southwest Rapid Rewards A-Checklist standing and credit for Southwest Airways and the Chase on-line purchasing portal, after spending $75,000 on the cardboard in a calendar 12 months.
- Chase launched Factors Increase: Rise up to 2 cents per level in worth when reserving flights and motels by way of Chase Journey.
Associated: Chase Points Boost: A valuable new redemption option or a disappointing devaluation?
Who’s eligible for the Sapphire Reserve welcome bonus?
When you have beforehand acquired a Sapphire Reserve welcome bonus, you is probably not eligible to obtain one other Sapphire Reserve welcome bonus, no matter what number of months or years have handed because you final acquired one.
You additionally is probably not eligible for a welcome bonus on the Sapphire Reserve in the event you presently maintain the Chase Sapphire Preferred® Card (see rates and fees).
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Associated: Am I eligible for the Chase Sapphire Reserve’s 100K bonus?
Can I maintain each the Sapphire Reserve and Most well-liked playing cards on the similar time?
Sure, you’ll be able to maintain each playing cards on the similar time. Nonetheless, in the event you already maintain the Sapphire Most well-liked and acquired a welcome bonus on that card, you almost certainly is not going to obtain the Sapphire Reserve bonus provide.
Can I obtain the welcome bonus for the Sapphire Reserve and Most well-liked?
Sure, it’s doable to obtain the welcome bonus on each playing cards. Nonetheless, you can not presently be a private Sapphire cardholder and obtain a welcome bonus on one other private Sapphire card.
For instance, TPG senior editor Gabrielle Bernardini utilized for the Sapphire Reserve in 2020 and acquired a welcome bonus. She downgraded her card to the Chase Freedom Unlimited® (see rates and fees). As a result of she has by no means acquired a welcome bonus on the Sapphire Most well-liked, she would probably be eligible. Nonetheless, if she nonetheless had a Sapphire Reserve and utilized for the Sapphire Most well-liked, she would probably not be eligible for the bonus, even when she was authorised for the Most well-liked.
A consultant for Chase confirmed to TPG that bonus eligibility for any Sapphire card can be based mostly on a number of components, together with beforehand earned bonus gives and the variety of playing cards opened and closed, amongst different concerns.
Associated: Does it make sense to hold both the Chase Sapphire Preferred and Reserve?
Can I obtain the welcome bonus for the Sapphire Reserve if I acquired the bonus greater than 48 months in the past?
Sure, it was doable previous to the Sapphire welcome bonus coverage adjustments. Nonetheless, you’ll now probably not be eligible for an additional welcome bonus on the identical Sapphire product.
Can I improve my Sapphire Most well-liked to a Sapphire Reserve and nonetheless obtain the welcome bonus?
Card upgrades aren’t eligible for a welcome bonus. You would wish to use for the Sapphire Reserve and meet Chase’s bonus eligibility standards.
Ought to I cancel my Sapphire Reserve card if its annual payment is rising and I am not eligible for the welcome bonus?
That could be a private alternative and one which we will not make for you. Whereas some cardholders might not use the brand new assertion credit, incomes charges and card advantages, others really feel that the extra perks nonetheless outweigh the annual payment.
Associated: Why I’m keeping my Chase Sapphire Reserve — even with its pricier $795 annual fee
What are different card choices I might take into account if I do not want to maintain my Sapphire Reserve?
There are many different premium rewards playing cards that compete with the Sapphire Reserve. Chances are you’ll want to take into account these different in style merchandise:
You may additionally take into account downgrading to a no-annual-fee card just like the Chase Freedom Limitless, which lets you nonetheless entry the Chase Ultimate Rewards ecosystem. Plus, you’ll be able to apply for the Sapphire Most well-liked and presumably obtain a welcome provide.
Is the Sapphire Reserve now a greater product than the Amex Platinum?
This could rely in your private preferences and circumstances. If you should use the Amex Platinum’s lengthy checklist of assertion credit and extra complete lounge entry, the Platinum Card could also be extra rewarding.
When you worth a extra simple product and the beneficiant incomes charges for journey and eating, the refreshed Sapphire Reserve is likely to be a better option.
Associated: Amex Platinum vs. Chase Sapphire Reserve: Which top-of-the-line travel card is right for you?
How do I take advantage of Factors Increase to get 2 cents per level when reserving by way of Chase Journey?
Chase’s new Factors Increase characteristic now provides Sapphire Reserve cardholders the choice to acquire as much as 2 cents per level in worth after they redeem their Final Rewards factors by way of Chase Journey on choose motels and flights.
It is a distinctive and, we have now discovered, surprisingly rewarding method to get nice worth out of your Chase factors. You’ll want to search for the rocket image to see boosted redemption choices.
Associated: Why Chase’s Points Boost is an outstanding (kind of surprising) new way to book hotels on points
If I earn Final Rewards factors from the Sapphire Reserve bonus earlier than October, can I redeem them by way of Chase Journey on the fastened price of 1.5 cents per level?
Sure, in case your account was opened earlier than June 23, 2025, the Final Rewards factors you earn earlier than Oct. 26, 2025, can nonetheless be redeemed on the present fastened price of 1.5 cents per level till Oct. 27, 2027.
What’s the easiest way to redeem the Sapphire Reserve welcome bonus by way of Chase Journey?
Search for Factors Increase choices, labeled with a rocket image. New cardholders can obtain as much as 2 cents per level on choose motels and flights and 1 cent per level on different eligible purchases. Chase’s The Edit properties could be booked utilizing Factors Increase at as much as 2 cents per level, an incredible perk for top-tier properties.
Although Factors Increase is unquestionably a good way to earn greater than 1 cent apiece, transferring your Final Rewards factors to Chase’s 14 transfer partners can yield even greater worth, like 7 cents per level, relying on the money versus factors value.
Are you aware if the refreshed Sapphire Reserve stored the ‘Pay Your self Again’ possibility?
Sure, it did. This quarter’s classes eligible for Pay Your self Again with a Sapphire Reserve are:
- Choose charities: 1.5 cents per level
- Gasoline stations, groceries, residence enchancment shops and cardholder annual payment: 1.25 cents per level
Associated: Chase Pay Yourself Back Q3 categories — is it a good use of your rewards?
Can I e book Vrbo and Airbnb by way of Chase Journey? What number of factors will I obtain? What is the incomes price for cruises?
When you utilized for the Sapphire Reserve previous to June 23, 2025, Airbnb, Vrbo and cruise purchases, which code as journey, will nonetheless earn you 3 factors per greenback when booked immediately utilizing your Sapphire Reserve; cardholder incomes charges will change from 3 factors to 1 level per greenback beginning Oct. 26, 2025.
When you utilized for the cardboard after June 23, Airbnb, Vrbo and cruise purchases booked immediately utilizing your eligible card will earn 1 level per greenback.
Sapphire Reserve cardholders will quickly have entry to Chase’s Vacation Homes program, during which they are going to earn 8 factors per greenback for bookings made by way of Chase Journey.
Reserving cruises by way of Chase Journey earns 10 factors per greenback in the event you utilized for the cardboard earlier than June 23, 8 factors per greenback for individuals who utilized for his or her card on or after June 23 and eight factors per greenback for current cardholders starting Oct. 26.
Associated: Which purchases count as travel with Chase Sapphire Preferred and Chase Sapphire Reserve?
Can I take advantage of Factors Increase for automotive leases?
No, Factors Increase is simply relevant on choose flights and resort bookings.
If you wish to redeem your Final Rewards factors earned out of your Sapphire Reserve for automotive leases, current cardholders will obtain 1.5 cents of worth on factors earned up till Oct. 26, 2025, and redeemed by way of Oct. 26, 2027, then 1 cent thereafter. New cardholders who utilized on or after June 23, 2025, will obtain 1 cent in worth.
Is an Apple One subscription thought-about an Apple subscription?
As an alternative of credit, Sapphire Reserve cardholders obtain complimentary memberships to each Apple TV+ and Apple Music, that means you do not have to subscribe and anticipate a credit score to put up.
When you have an Apple TV+ or Apple Music subscription bought immediately by way of Apple, then the complimentary Apple TV+ and Apple Music subscription by way of Chase will mechanically droop the prevailing paid subscription by way of June 22, 2027.
This profit can be obtainable immediately for brand spanking new Sapphire Reserve candidates and in October for current Sapphire Reserve cardholders. A one-time activation by way of both Chase.com or the Chase Cell app is required.
In keeping with the terms and conditions of the Sapphire Reserve, “when you’ve got an lively paid Apple One subscription bought immediately by way of Apple, your complimentary Apple TV+ subscription by way of Chase and your Apple One subscription by way of Apple will run on the similar time until you cancel your preexisting subscription.”
Because of this the price of your Apple One subscription wouldn’t be lined by your Sapphire Reserve.
Associated: Get Apple TV+ and Apple Music with your Chase Sapphire Reserve
Backside line
The Chase Sapphire Reserve has undergone a big refresh, with an annual payment hike offset by a robust lineup of latest advantages, together with every part from boosted incomes charges on journey to premium perks like Apple subscriptions, IHG elite status and the fascinating new Factors Increase redemption possibility. Plus, this best-ever welcome provide is without doubt one of the most profitable we have seen.
Whereas not everybody will qualify for the beneficiant welcome bonus, those that do can anticipate critical worth. Simply make sure you verify your eligibility earlier than making use of to keep away from any surprises.
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