The Chase Sapphire Reserve® (see charges and costs) is likely one of the greatest rewards bank cards out there 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 price to $795. Alongside the Sapphire Reserve modifications, Chase up to date its bonus eligibility coverage, which can have an effect on your means to earn a Sapphire card welcome provide greater than as soon as.
With so many modifications 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 — out there, TPG readers have had loads of questions. And, we have now the solutions.
Listed below are your ceaselessly requested questions, answered.
What has modified with the cardboard?
The Sapphire Reserve modifications are as follows:
- The annual price has elevated from $550 to $795.
- The licensed person price has elevated from $75 to $195.
- Choose incomes charges have been adjusted: Accommodations and rental vehicles 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 way of life credit, together with StubHub and Apple TV. Try the complete checklist of credit right 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 Fast Rewards A-Record standing and credit for Southwest Airways and the Chase on-line procuring 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 motels by way of Chase Journey.
Associated: Chase Factors Increase: A helpful new redemption possibility or a disappointing devaluation?
Who’s eligible for the Sapphire Reserve welcome bonus?
In case you have 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 in case you at present maintain the Chase Sapphire Most popular® Card (see charges and costs).
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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 popular playing cards on the identical time?
Sure, you’ll be able to maintain each playing cards on the identical time. Nonetheless, in case you already maintain the Sapphire Most popular and acquired a welcome bonus on that card, you probably won’t obtain the Sapphire Reserve bonus provide.
Can I obtain the welcome bonus for the Sapphire Reserve and Most popular?
Sure, it’s doable to obtain the welcome bonus on each playing cards. Nonetheless, you can not 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 costs). As a result of she has by no means acquired a welcome bonus on the Sapphire Most popular, she would more than likely be eligible. Nonetheless, if she nonetheless had a Sapphire Reserve and utilized for the Sapphire Most popular, she would more than likely not be eligible for the bonus, even when she was authorized for the Most popular.
A consultant for Chase confirmed to TPG that bonus eligibility for any Sapphire card might be based mostly on a number of elements, 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 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 doable previous to the Sapphire welcome bonus coverage modifications. 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 popular 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 price is growing and I am not eligible for the welcome bonus?
That may be a private selection 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 price.
Associated: Why I am conserving my Chase Sapphire Reserve — even with its pricier $795 annual price
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. You could want to take into account these different common merchandise:
You could possibly additionally take into account 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’ll be able to apply for the Sapphire Most popular 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 need to 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 journey card is best for you?
How do I exploit Factors Increase to get 2 cents per level when reserving by way of 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 by way of Chase Journey on choose motels and flights.
It is a distinctive and, we have now discovered, surprisingly rewarding technique to get nice worth out of your Chase factors. Be sure you search for the rocket image to see boosted redemption choices.
Associated: Why Chase’s Factors Increase is an excellent (form of shocking) new technique to guide motels on factors
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 one of the simplest ways 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 an effective way to earn greater than 1 cent apiece, transferring your Final Rewards factors to Chase’s 14 switch companions can yield even greater 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, house enchancment shops and cardholder annual price: 1.25 cents per level
Associated: Chase Pay Your self Again Q3 classes — is it use of your rewards?
Can I guide 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 Trip Houses program, through which they’ll 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 case you 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 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 automotive leases?
No, Factors Increase is barely relevant on choose flights and lodge 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 a substitute of credit, Sapphire Reserve cardholders obtain complimentary memberships to each Apple TV+ and Apple Music, which means you do not have to subscribe and look ahead to a credit score to submit.
In case 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 routinely droop the prevailing paid subscription by way of June 22, 2027.
This profit might be out there immediately for brand 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 line with the phrases and circumstances of the Sapphire Reserve, “when you have 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 identical time until you cancel your preexisting subscription.”
Which means the price of your Apple One subscription wouldn’t be coated by your Sapphire Reserve.
Associated: Get Apple TV+ and Apple Music along with your Chase Sapphire Reserve
Backside line
The Chase Sapphire Reserve has undergone a big refresh, with an annual price hike offset by a robust lineup of latest advantages, together with the whole lot from boosted incomes charges on journey to premium perks like Apple subscriptions, IHG elite standing and the attention-grabbing new Factors Increase redemption possibility. Plus, this best-ever welcome provide is likely 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 to test your eligibility earlier than making use of to keep away from any surprises.
