The Chase Sapphire Reserve® (see charges and charges) is among the greatest rewards bank cards obtainable proper now.
In June, the premium card underwent a refresh with a bunch of latest advantages and assertion credit, plus a rise within the annual price to $795. Alongside the Sapphire Reserve adjustments, Chase up to date its bonus eligibility coverage, which can have an effect on your capability 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 — obtainable, TPG readers have had loads of questions. And, we have now the solutions.
Listed below are your incessantly requested questions, answered.
What has modified with the cardboard?
The Sapphire Reserve adjustments are as follows:
The annual price has elevated from $550 to $795.The approved consumer price has elevated from $75 to $195.Choose incomes charges have been adjusted: Inns and rental vehicles 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 motels booked straight 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. Take a look at the total record 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 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 via Chase Journey.
Associated: Chase Factors Increase: A worthwhile 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 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 in case you presently 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. Nevertheless, in case 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 supply.
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. 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 charges). As a result of she has by no means acquired a welcome bonus on the Sapphire Most well-liked, she would probably be eligible. Nevertheless, 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 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 affords and the variety of playing cards opened and closed, amongst different issues.
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. Nevertheless, you’ll now probably not be eligible for one more 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 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 price 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 price.
Associated: Why I am holding my Chase Sapphire Reserve — even with its pricier $795 annual price
What are different card choices I may 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. You might want to contemplate these different widespread 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 well-liked and probably obtain a welcome supply.
Is the Sapphire Reserve now a greater product than the Amex Platinum?
This may rely in your private preferences and circumstances. If you need to use the Amex Platinum’s lengthy record of assertion credit and extra complete lounge entry, the Platinum Card could also be extra rewarding.
When you worth a extra easy product and the beneficiant incomes charges for journey and eating, the refreshed Sapphire Reserve may 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 via 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 once they redeem their Final Rewards factors via 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 (sort of stunning) 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 via Chase Journey on the fastened 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 fastened charge of 1.5 cents per level till Oct. 27, 2027.
What’s the easiest way 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 motels and flights and 1 cent per level on different eligible purchases. Chase’s The Edit properties may 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 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’ 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 pointGas stations, groceries, residence enchancment shops and cardholder annual price: 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 via Chase Journey? What number of factors will I obtain? What is the incomes charge 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 straight 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 straight utilizing your eligible card will earn 1 level per greenback.
Sapphire Reserve cardholders will quickly have entry to Chase’s Trip Houses program, wherein they are going to earn 8 factors per greenback for bookings made via Chase Journey.
Reserving cruises via Chase Journey earns 10 factors per greenback in case 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 present 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 resort bookings.
If you wish to redeem your Final Rewards factors earned out of your Sapphire Reserve for automobile leases, present 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, that means you do not have to subscribe and look forward to a credit score to publish.
In case you have an Apple TV+ or Apple Music subscription bought straight via Apple, then the complimentary Apple TV+ and Apple Music subscription via Chase will mechanically droop the present paid subscription via June 22, 2027.
This profit might be obtainable immediately for brand new Sapphire Reserve candidates and in October for present Sapphire Reserve cardholders. A one-time activation via both Chase.com or the Chase Cell app is required.
In accordance with the phrases and circumstances of the Sapphire Reserve, “when you’ve got an lively paid Apple One subscription bought straight via Apple, your complimentary Apple TV+ subscription via Chase and your Apple One subscription via Apple will run on the similar time until you cancel your preexisting subscription.”
Which means that 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 price hike offset by a powerful lineup of latest advantages, together with all the things 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 supply is among the most profitable we have seen.
Whereas not everybody will qualify for the beneficiant welcome bonus, those that do can count on severe worth. Simply you should definitely verify your eligibility earlier than making use of to keep away from any surprises.
