The Chase Sapphire Reserve® (see charges and charges) is among the greatest rewards bank cards accessible proper now.
In June, the premium card underwent a refresh with a number of latest advantages and assertion credit, plus a rise within the annual payment to $795. Alongside the Sapphire Reserve adjustments, Chase up to date its bonus eligibility coverage, 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 Journey℠ promo credit score after spending $5,000 within the first three months from account opening — accessible, TPG readers have had loads of questions. And, we now have the solutions.
Listed here are your incessantly 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 licensed consumer payment has elevated from $75 to $195.
- Choose incomes charges have been adjusted: Lodges and rental automobiles booked by Chase Journey decreased from 10 factors to eight factors per greenback, flights booked by 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. Take a look at the complete record of credit right here.
- Obtain complimentary IHG One Rewards Platinum Elite standing by Dec. 31, 2027.
- Get extra perks, together with IHG One Rewards Diamond Elite standing, Southwest Speedy Rewards A-Listing 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: Stand up to 2 cents per level in worth when reserving flights and motels by Chase Journey.
Associated: Chase Factors Increase: A beneficial new redemption possibility or a disappointing devaluation?
Who’s eligible for the Sapphire Reserve welcome bonus?
When you’ve got beforehand acquired a Sapphire Reserve welcome bonus, you might not be 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 might not be eligible for a welcome bonus on the Sapphire Reserve for those who at present maintain the Chase Sapphire Most well-liked® Card (see charges and charges).
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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 may maintain each playing cards on the similar time. Nonetheless, for those who already maintain the Sapphire Most well-liked and acquired a welcome bonus on that card, you probably 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 attainable to obtain the welcome bonus on each playing cards. Nonetheless, you can’t at present 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 Limitless® (see charges and charges). As a result of she has by no means acquired a welcome bonus on the Sapphire Most well-liked, she would more than likely be eligible. Nonetheless, if she nonetheless had a Sapphire Reserve and utilized for the Sapphire Most well-liked, she would more than likely not be eligible for the bonus, even when she was accredited for the Most well-liked.
A consultant for Chase confirmed to TPG that bonus eligibility for any Sapphire card might be based mostly on a number of components, together with beforehand earned bonus provides and the variety of playing cards opened and closed, amongst different concerns.
Associated: Does it make sense to carry each the Chase Sapphire Most well-liked 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 attainable previous to the Sapphire welcome bonus coverage adjustments. Nonetheless, you’ll now more than likely 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 should not eligible for a welcome bonus. You would want 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 selection and one which we won’t make for you. Whereas some cardholders could 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 am retaining my Chase Sapphire Reserve — even with its pricier $795 annual payment
What are different card choices I might think about if I do not want to preserve my Sapphire Reserve?
There are many different premium rewards playing cards that compete with the Sapphire Reserve. It’s possible you’ll want to think about these different fashionable merchandise:
You can additionally think about downgrading to a no-annual-fee card just like the Chase Freedom Limitless, which lets you nonetheless entry the Chase Final Rewards ecosystem. Plus, you may 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 is able to rely in your private preferences and circumstances. If you should utilize the Amex Platinum’s lengthy record of assertion credit and extra complete lounge entry, the Platinum Card could also be extra rewarding.
In case you worth a extra easy product and the beneficiant incomes charges for journey and eating, the refreshed Sapphire Reserve could be a more sensible choice.
Associated: Amex Platinum vs. Chase Sapphire Reserve: Which top-of-the-line journey card is best for you?
How do I take advantage of Factors Increase to get 2 cents per level when reserving by Chase Journey?
Chase’s new Factors Increase function 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 Chase Journey on choose motels and flights.
It is a distinctive and, we now have discovered, surprisingly rewarding approach to get nice worth out of your Chase factors. Remember to search for the rocket image to see boosted redemption choices.
Associated: Why Chase’s Factors Increase is an impressive (form of stunning) new approach to ebook motels on factors
If I earn Final Rewards factors from the Sapphire Reserve bonus earlier than October, can I redeem them by Chase Journey on the mounted charge 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 mounted charge of 1.5 cents per level till Oct. 27, 2027.
What’s one of the simplest ways to redeem the Sapphire Reserve welcome bonus by 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 certainly a good way to earn greater than 1 cent apiece, transferring your Final Rewards factors to Chase’s 14 switch companions can yield even increased worth, like 7 cents per level, relying on the money versus factors value.
Have you learnt if the refreshed Sapphire Reserve saved 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 Your self Again Q3 classes — is it a great use of your rewards?
Can I ebook Vrbo and Airbnb by Chase Journey? What number of factors will I obtain? What is the incomes charge for cruises?
In case 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.
In case 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 Trip Properties program, wherein they may earn 8 factors per greenback for bookings made by Chase Journey.
Reserving cruises by Chase Journey earns 10 factors per greenback for those who utilized for the cardboard earlier than June 23, 8 factors per greenback for many who utilized for his or her card on or after June 23 and eight factors per greenback for present cardholders starting Oct. 26.
Associated: Which purchases rely as journey with Chase Sapphire Most well-liked and Chase Sapphire Reserve?
Can I take advantage of Factors Increase for automotive leases?
No, Factors Increase is barely 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, present cardholders will obtain 1.5 cents of worth on factors earned up till Oct. 26, 2025, and redeemed by 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, which means you do not have to subscribe and watch for a credit score to publish.
When you’ve got an Apple TV+ or Apple Music subscription bought immediately by Apple, then the complimentary Apple TV+ and Apple Music subscription by Chase will robotically droop the present paid subscription by June 22, 2027.
This profit might be accessible immediately for brand spanking new Sapphire Reserve candidates and in October for present Sapphire Reserve cardholders. A one-time activation by both Chase.com or the Chase Cellular app is required.
Based on the phrases and circumstances of the Sapphire Reserve, “when you have an energetic paid Apple One subscription bought immediately by Apple, your complimentary Apple TV+ subscription by Chase and your Apple One subscription by 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 together with your Chase Sapphire Reserve
Backside line
The Chase Sapphire Reserve has undergone a major refresh, with an annual payment hike offset by a powerful lineup of latest advantages, together with every part from boosted incomes charges on journey to premium perks like Apple subscriptions, IHG elite standing and the fascinating new Factors Increase redemption possibility. Plus, this best-ever welcome provide is among the most profitable we have seen.
Whereas not everybody will qualify for the beneficiant welcome bonus, those that do can anticipate critical worth. Simply you should definitely verify your eligibility earlier than making use of to keep away from any surprises.
