The Chase Sapphire Reserve® (see charges and costs) is likely one of the finest rewards bank cards accessible proper now.
In June, the premium card underwent a refresh with a bunch of new 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 capacity to earn a Sapphire card welcome supply greater than as soon as.
With so many adjustments to the cardboard and a best-ever welcome supply — 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’ve the solutions.
Listed below are your ceaselessly 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: Inns and rental automobiles booked via Chase Journey decreased from 10 factors to eight factors per greenback, flights booked via Chase Journey elevated from 5 factors to eight factors per greenback, flights and resorts booked instantly 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 way of life credit, together with StubHub and Apple TV. Try the complete listing of credit right here.
- Obtain complimentary IHG One Rewards Platinum Elite standing via Dec. 31, 2027.
- Get extra perks, together with IHG One Rewards Diamond Elite standing, Southwest Fast Rewards A-Record standing and credit for Southwest Airways and the Chase on-line buying portal, after spending $75,000 on the cardboard in a calendar yr.
- Chase launched Factors Increase: Rise up to 2 cents per level in worth when reserving flights and resorts via Chase Journey.
Associated: Chase Factors Increase: A worthwhile new redemption choice or a disappointing devaluation?
Who’s eligible for the Sapphire Reserve welcome bonus?
When you have beforehand acquired a Sapphire Reserve welcome bonus, you will 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 will not be eligible for a welcome bonus on the Sapphire Reserve when you presently maintain the Chase Sapphire Most popular® Card (see charges and costs).
Day by day E-newsletter
Reward your inbox with the TPG Day by day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
Associated: Am I eligible for the Chase Sapphire Reserve’s 100K bonus?
Can I maintain each the Sapphire Reserve and Most popular playing cards on the identical time?
Sure, you may maintain each playing cards on the identical time. Nevertheless, when you already maintain the Sapphire Most popular and acquired a welcome bonus on that card, you probably is not going to obtain the Sapphire Reserve bonus supply.
Can I obtain the welcome bonus for the Sapphire Reserve and Most popular?
Sure, it’s attainable to obtain the welcome bonus on each playing cards. Nevertheless, you can’t 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 Limitless® (see charges and costs). As a result of she has by no means acquired a welcome bonus on the Sapphire Most popular, she would almost certainly be eligible. Nevertheless, if she nonetheless had a Sapphire Reserve and utilized for the Sapphire Most popular, she would almost certainly not be eligible for the bonus, even when she was authorised for the Most popular.
A consultant for Chase confirmed to TPG that bonus eligibility for any Sapphire card can be based mostly on a number of elements, together with beforehand earned bonus presents and the variety of playing cards opened and closed, amongst different concerns.
Associated: Does it make sense to carry each the Chase Sapphire Most popular 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. Nevertheless, you’ll now almost certainly not be eligible for an additional welcome bonus on the identical Sapphire product.
Can I improve my Sapphire Most popular to a Sapphire Reserve and nonetheless obtain the welcome bonus?
Card upgrades are usually 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 contemplate if I do not want to hold my Sapphire Reserve?
There are many different premium rewards playing cards that compete with the Sapphire Reserve. Chances are you’ll want to contemplate these different fashionable merchandise:
You would additionally contemplate 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 popular and probably obtain a welcome supply.
Is the Sapphire Reserve now a greater product than the Amex Platinum?
This might rely in your private preferences and circumstances. If you should utilize the Amex Platinum’s lengthy listing of assertion credit and extra complete lounge entry, the Platinum Card could also be extra rewarding.
If you happen to worth a extra easy product and the beneficiant incomes charges for journey and eating, the refreshed Sapphire Reserve is perhaps a better option.
Associated: Amex Platinum vs. Chase Sapphire Reserve: Which top-of-the-line journey card is best for you?
How do I exploit Factors Increase to get 2 cents per level when reserving via Chase Journey?
Chase’s new Factors Increase characteristic now offers Sapphire Reserve cardholders the choice to acquire as much as 2 cents per level in worth after they redeem their Final Rewards factors via Chase Journey on choose resorts and flights.
It is a distinctive and, we’ve discovered, surprisingly rewarding technique to get nice worth out of your Chase factors. Make sure you search for the rocket image to see boosted redemption choices.
Associated: Why Chase’s Factors Increase is an excellent (form of stunning) new technique to guide resorts on factors
If I earn Final Rewards factors from the Sapphire Reserve bonus earlier than October, can I redeem them via Chase Journey on the mounted fee 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 fee of 1.5 cents per level till Oct. 27, 2027.
What’s one of the best ways to redeem the Sapphire Reserve welcome bonus via 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 resorts and flights and 1 cent per level on different eligible purchases. Chase’s The Edit properties will be booked utilizing Factors Increase at as much as 2 cents per level, a tremendous perk for top-tier properties.
Although Factors Increase is certainly an effective way to earn greater than 1 cent apiece, transferring your Final Rewards factors to Chase’s 14 switch companions can yield even larger worth, like 7 cents per level, relying on the money versus factors value.
Are you aware if the refreshed Sapphire Reserve saved the ‘Pay Your self Again’ choice?
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
- Fuel stations, groceries, residence enchancment shops and cardholder annual payment: 1.25 cents per level
Associated: Chase Pay Your self Again Q3 classes — is it an excellent use of your rewards?
Can I guide Vrbo and Airbnb via Chase Journey? What number of factors will I obtain? What is the incomes fee for cruises?
If you happen to 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 instantly utilizing your Sapphire Reserve; cardholder incomes charges will change from 3 factors to 1 level per greenback beginning Oct. 26, 2025.
If you happen to utilized for the cardboard after June 23, Airbnb, Vrbo and cruise purchases booked instantly utilizing your eligible card will earn 1 level per greenback.
Sapphire Reserve cardholders will quickly have entry to Chase’s Trip Houses program, during which they may earn 8 factors per greenback for bookings made via Chase Journey.
Reserving cruises via Chase Journey earns 10 factors per greenback when 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 depend as journey with Chase Sapphire Most popular and Chase Sapphire Reserve?
Can I exploit Factors Increase for automobile leases?
No, Factors Increase is just relevant on choose flights and lodge bookings.
If you wish to redeem your Final Rewards factors earned out of your Sapphire Reserve for automobile leases, current cardholders will obtain 1.5 cents of worth on factors earned up till Oct. 26, 2025, and redeemed via 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 of 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 await a credit score to put up.
When you have an Apple TV+ or Apple Music subscription bought instantly via Apple, then the complimentary Apple TV+ and Apple Music subscription via Chase will routinely droop the present paid subscription via June 22, 2027.
This profit can be accessible immediately for brand new Sapphire Reserve candidates and in October for current Sapphire Reserve cardholders. A one-time activation via both Chase.com or the Chase Cell app is required.
In response to the phrases and situations of the Sapphire Reserve, “you probably have an lively paid Apple One subscription bought instantly via Apple, your complimentary Apple TV+ subscription via Chase and your Apple One subscription via Apple will run on the identical time except 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 big refresh, with an annual payment hike offset by a powerful lineup of recent advantages, together with every little thing from boosted incomes charges on journey to premium perks like Apple subscriptions, IHG elite standing and the attention-grabbing new Factors Increase redemption choice. Plus, this best-ever welcome supply is likely one of the most profitable we have seen.
Whereas not everybody will qualify for the beneficiant welcome bonus, those that do can count on critical worth. Simply you should definitely examine your eligibility earlier than making use of to keep away from any surprises.
