Your largest Chase Sapphire Reserve questions answered

The Chase Sapphire Reserve® (see charges and charges) is among the finest rewards bank cards out there proper now.

In June, the premium card underwent a refresh with a number of recent 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 skill 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 — out there, TPG readers have had loads of questions. And, we’ve the solutions.

Listed here are your ceaselessly 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 person price has elevated from $75 to $195.
• Choose incomes charges have been adjusted: Accommodations 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 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. Try the complete 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 Fast Rewards A-Checklist standing and credit for Southwest Airways and the Chase on-line buying 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 resorts via Chase Journey.

Associated: Chase Factors Increase: A precious new redemption possibility or a disappointing devaluation?

Who’s eligible for the Sapphire Reserve welcome bonus?

You probably 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 at the moment maintain the Chase Sapphire Most well-liked® Card (see charges and charges).

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’ll be able to maintain each playing cards on the similar 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 at the moment 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 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 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. 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 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 rising and I am not eligible for the welcome bonus?

That could be a private alternative 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 may contemplate 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 could want to contemplate these different fashionable merchandise:

You possibly can 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’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 could 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.

For those who worth a extra easy product and the beneficiant incomes charges for journey and eating, the refreshed Sapphire Reserve is perhaps 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 exploit Factors Increase to get 2 cents per level when reserving via 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 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 solution 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 (sort of stunning) new solution to e book 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 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 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 resorts and flights and 1 cent per level on different eligible purchases. Chase’s The Edit properties might 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 an effective way to earn greater than 1 cent apiece, transferring your Final Rewards factors to Chase’s 14 switch companions can yield even increased worth, like 7 cents per level, relying on the money versus factors value.

Are you aware if the refreshed Sapphire Reserve stored 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, 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 e book Vrbo and Airbnb via Chase Journey? What number of factors will I obtain? What is the incomes price for cruises?

For those who 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.

For those who 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, by which they’ll earn 8 factors per greenback for bookings made via Chase Journey.

Reserving cruises via Chase Journey earns 10 factors per greenback in the event 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 present cardholders starting Oct. 26.

Associated: Which purchases depend as journey with Chase Sapphire Most well-liked and Chase Sapphire Reserve?

Can I exploit Factors Increase for automobile leases?

No, Factors Increase is simply 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-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 watch for a credit score to submit.

You probably have an Apple TV+ or Apple Music subscription bought straight via Apple, then the complimentary Apple TV+ and Apple Music subscription via Chase will robotically droop the present paid subscription via June 22, 2027.

This profit will likely be out there immediately for brand spanking new Sapphire Reserve candidates and in October for present Sapphire Reserve cardholders. A one-time activation via both Chase.com or the Chase Cellular app is required.

In accordance with the phrases and circumstances of the Sapphire Reserve, “when you’ve got an energetic 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 except you cancel your preexisting subscription.”

Because of this 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 price hike offset by a powerful lineup of recent advantages, together with every part 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 provide is among 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.