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 recent advantages and assertion credit, plus a rise within the annual charge to $795. Alongside the Sapphire Reserve adjustments, 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 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 have now the solutions.
Listed below are your often requested questions, answered.
What has modified with the cardboard?
The Sapphire Reserve adjustments are as follows:
- The annual charge has elevated from $550 to $795.
- The licensed consumer charge has elevated from $75 to $195.
- Choose incomes charges have been adjusted: Inns and rental automobiles booked by means of Chase Journey decreased from 10 factors to eight factors per greenback, flights booked by means 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 total record of credit right here.
- Obtain complimentary IHG One Rewards Platinum Elite standing by means 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 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 means of Chase Journey.
Associated: Chase Factors Increase: A useful 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 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 the event you presently maintain the Chase Sapphire Most well-liked® 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 well-liked playing cards on the identical time?
Sure, you’ll be able to maintain each playing cards on the identical time. Nonetheless, in the event you already maintain the Sapphire Most well-liked and acquired a welcome bonus on that card, you almost certainly won’t 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’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 well-liked, she would most certainly be eligible. Nonetheless, if she nonetheless had a Sapphire Reserve and utilized for the Sapphire Most well-liked, she would most certainly not be eligible for the bonus, even when she was authorized for the Most well-liked.
A consultant for Chase confirmed to TPG that bonus eligibility for any Sapphire card will likely be primarily based 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 doable previous to the Sapphire welcome bonus coverage adjustments. Nonetheless, you’ll now most certainly 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 usually are not 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 charge is growing and I am not eligible for the welcome bonus?
That may be a private alternative and one which we won’t 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 charge.
Associated: Why I am retaining my Chase Sapphire Reserve — even with its pricier $795 annual charge
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. You might want to think about these different fashionable merchandise:
You may 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’ll be able to apply for the Sapphire Most well-liked and probably obtain a welcome provide.
Is the Sapphire Reserve now a greater product than the Amex Platinum?
This might rely in your private preferences and circumstances. If you should use the Amex Platinum’s lengthy record of assertion credit and extra complete lounge entry, the Platinum Card could also be extra rewarding.
In the event you worth a extra easy product and the beneficiant incomes charges for journey and eating, the refreshed Sapphire Reserve could 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 take advantage of Factors Increase to get 2 cents per level when reserving by means 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 once they redeem their Final Rewards factors by means 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. Remember to search for the rocket image to see boosted redemption choices.
Associated: Why Chase’s Factors Increase is an impressive (type of shocking) new technique to ebook motels on factors
If I earn Final Rewards factors from the Sapphire Reserve bonus earlier than October, can I redeem them by means of Chase Journey on the fastened 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 fastened fee 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 means 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 will 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 larger worth, like 7 cents per level, relying on the money versus factors value.
Have you learnt if the refreshed Sapphire Reserve stored 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 charge: 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 means of Chase Journey? What number of factors will I obtain? What is the incomes fee for cruises?
In the event 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 the event 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 are going to earn 8 factors per greenback for bookings made by means of Chase Journey.
Reserving cruises by means 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 depend as journey with Chase Sapphire Most well-liked and Chase Sapphire Reserve?
Can I take advantage of 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 by means 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 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 immediately by means of Apple, then the complimentary Apple TV+ and Apple Music subscription by means of Chase will routinely droop the present paid subscription by means of June 22, 2027.
This profit will likely be accessible immediately for brand new Sapphire Reserve candidates and in October for current Sapphire Reserve cardholders. A one-time activation by means of both Chase.com or the Chase Cellular app is required.
Based on the terms and conditions of the Sapphire Reserve, “if in case you have an energetic paid Apple One subscription bought immediately by means of Apple, your complimentary Apple TV+ subscription by means of Chase and your Apple One subscription by means of Apple will run on the identical time except 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 major refresh, with an annual charge 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 fascinating new Factors Increase redemption choice. 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 you’ll want to verify your eligibility earlier than making use of to keep away from any surprises.
