How one can maximize incomes with the Chase Sapphire Reserve

The Chase Sapphire Reserve® (see charges and costs) is likely one of the finest journey bank cards within the factors and miles world.

Lots of the card’s perks, reminiscent of lounge entry, make it stand out from the pack — however the card’s incomes charges additionally shine.

Let’s look at how one can maximize this card’s incomes charges to make sure you’re incomes probably the most factors.

Earn a profitable welcome bonus

Proper now is a superb time to use for the Sapphire Reserve. New cardholders can earn 125,000 bonus factors after spending $6,000 on purchases within the first three months from account opening.

Based on TPG’s September 2025 valuations, the welcome provide is price $2,563. And it is attainable to get much more worth should you’re aware of Chase Final Rewards candy spots.

Associated: Why I am going to by no means cancel my Chase Sapphire Reserve

Use it to ebook journey and actions by means of Chase Journey

You possibly can ebook actions, automobile leases, cruises, flights and motels by means of the Chase Journey℠ portal.

Incomes 8 factors per greenback on Chase Journey purchases is a wonderful option to construct up your Final Rewards factors. Though reserving a lodge by means of Chase comes with professionals and cons (as we’ll contact on later), you may earn over 16% again on these purchases (based mostly on our September 2025 valuations).

In the event you often ebook lodging by means of on-line journey businesses like Orbitz and Priceline, you need to examine pricing by means of Chase Journey since you’ll earn extra factors that manner. And you may pair that with the as much as $250 in biannual (as much as $500 per yr) The Edit credit you may obtain for reserving collaborating luxurious motels (two-night minimal).

This incomes price on rental automobiles additionally works effectively in tandem with the cardboard’s already beneficiant major rental automobile insurance coverage.

The Chase Journey portal additionally permits different bookings, together with actions and excursions. You may earn 8 factors per greenback on each forms of purchases. In the event you have been going to make these bookings anyway by means of a tour operator or third-party web site like Viator, it is sensible to examine Chase Journey first.

Use it to ebook flights and motels instantly

There are a number of the reason why reserving flights or motels instantly is extra useful. In the event you’re frightened about shedding out on 8 factors per greenback by means of the portal, the Sapphire Reserve nonetheless has you lined, as cardholders earn 4 factors per greenback on flights and motels booked instantly.

Though it is half of what you possibly can earn when reserving by means of Chase Journey, the peace of thoughts you may get when coping with a lodge or airline’s customer support versus the portal could also be price it to some.

And you may obtain a reimbursement of $300 in journey purchases every anniversary yr, serving to offset the excessive $795 annual charge. Since Chase defines journey fairly broadly, your credit score will robotically set off for bills like automobile leases, cruises and Ubers. (Simply remember the fact that you will not earn bonus factors on the primary $300 spent on journey.)

And there are two further causes the Sapphire Reserve is on the prime of the checklist in relation to reserving flights:

• Baggage delay insurance coverage: You and your speedy household are entitled to as much as $100 per day for as much as 5 days for essential bills like garments and toiletries. This profit kicks in when your baggage are delayed greater than six hours.
• Journey delay insurance coverage: You might be lined for as much as $500 per lined traveler when your flight is delayed six hours or extra or in a single day.

Use it for eating

The Sapphire Reserve earns 3 factors per greenback on eating worldwide. That is a strong 6.2% again on purchases, in keeping with TPG’s September 2025 valuations.

In the event you’re like a few of us at TPG, you may be spending hundreds per yr on eating out. It isn’t troublesome to rack up 10,000 factors per yr from eating alone, particularly contemplating the three factors per greenback bonus class contains supply providers like DoorDash.

That is TPG bank card author Danyal Ahmed’s favourite incomes price. He earns bonus factors on a variety of purchases that code as eating, together with espresso retailers, cafes, meals vans and sit-down eating places.

And this incomes price works effectively with the cardboard’s different advantages:

• Two month-to-month $10 non-restaurant and one $5 restaurant promos (as much as $300 yearly) with DoorDash and a complimentary DashPass membership for no less than one yr (should activate by Dec. 31, 2027)
• As much as $150 biannual (as much as $300 annual) assertion credit score on eating with Sapphire Reserve Unique Tables (by means of OpenTable)

Use it for Lyft purchases

Sapphire Reserve cardholders earn 5 factors per greenback on Lyft rides (by means of Sept. 30, 2027) and a $10 month-to-month in-app credit score (as much as $120 yearly; by means of Sept. 30, 2027).

Sadly, the credit do not carry over month to month, and it is a use-it-or-lose-it scenario. With such advantages, the popular ride-hailing service for Sapphire Reserve cardholders needs to be Lyft.

Pair with one other Chase card

Whereas the Sapphire Reserve is robust on journey and eating, it earns simply 1 level per greenback on non-bonus spending. That is the place pairing it with one other Chase card can increase your earnings:

• Chase Freedom Limitless® (see charges and costs): Earns 3 factors per greenback on drugstore purchases and 1.5 factors per greenback on most different purchases. By placing on a regular basis spending like groceries, streaming or gasoline on this card, you may persistently earn greater than the flat 1 level per greenback the Sapphire Reserve gives.
• Ink Enterprise Most well-liked® Credit score Card: Earns 3 factors per greenback on a variety of standard enterprise classes, together with journey purchases that will not qualify for Sapphire Reserve bonuses, reminiscent of Airbnb stays and taxis.

The data for the Ink Enterprise Most well-liked has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Then, you may mix balances and redeem by means of the Sapphire Reserve for max worth, whether or not that is reserving journey by means of the Chase Journey portal or transferring to airline and lodge companions.

Backside line

To actually maximize the Chase Sapphire Reserve, lean into its strongest bonus classes:

• 8 factors per greenback on bookings by means of Chase Journey
• 4 factors per greenback on flights and motels booked instantly
• 5 factors per greenback on Lyft rides (by means of Sept. 30, 2027)
• 3 factors per greenback worldwide on eating

Then, cowl your different spending with a complementary Chase card just like the Freedom Limitless or Ink Enterprise Most well-liked to keep away from settling for simply 1 level per greenback. By pairing playing cards strategically and funneling all rewards into Final Rewards, you may maximize each buy and unlock outsized worth by means of journey redemptions.

To study extra, learn our full evaluation of the Chase Sapphire Reserve.

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