The revamped Chase Sapphire Reserve® made a splash when it recently announced a slew of changes that included everything from its annual fee to its rewards rates and card perks. And these changes came with a flashy welcome offer of 100,000 bonus points, plus a $500 Chase Travel℠ promo credit after spending $5,000 on purchases in the first three months from account opening.
The carrot the issuer is dangling for potential new cardholders is its best offer yet, worth even more than when the card first launched in 2016 with its then-unheard-of 100,000 Chase Ultimate Rewards® points bonus. But the offer is ending soon.
Chase has not yet announced what the new offer will be when the current one ends. But if history is any indication, it’s likely to be in the 60,000- to 80,000-point range.
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Up to 8x Reward Rate
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels bookedRead More
Welcome Bonus
100,000 bonus points + $500 Chase Travel℠ promo credit
Annual Fee
$795
Regular APR
20.24% – 28.74% Variable
Credit Score
Excellent (740 and above)
- Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass
Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years - Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music – all the music you love, across all your devices. Subscriptions run through 6/22/27 – a value of $250 annually
- Member FDIC
Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 yearsWhat Can 100K Ultimate Rewards Points Get You?
Chase Ultimate Rewards®, which is what the Sapphire Reserve and several other Chase credit cards earn, are coveted for their flexibility. You can redeem them for cash back or gift cards at a penny per point, but travel rewards enthusiasts prefer the increased value found by using the rewards for travel.
With the new Points Boost program from Chase, you can redeem your rewards through Chase Travel℠ at a value of anywhere from 1 cent to 2 cents per point. Hotels booked through Chase’s The Edit collection are worth 2 cents per point, while select premium airfare and other hotels will be worth up to 2 cents per point.
With the 100,000 points earned from the bonus offer, plus a little extra you’ll earn from meeting the bonus’s minimum spending requirement, here are two examples of great deals you could book through Chase Travel.
Two Nights at The Royal Hawaiian, a Luxury Collection Resort in Waikiki, in Early December 2025
During your stay at the famed “Pink Palace,” learn the art of lei-making, hula-dancing or just master the art of resting your eyes. As part of The Edit collection, you’ll get daily breakfast for two and a $100 property credit, plus your stay will count as two nights with Marriott Bonvoy.
Two Nights at the Historic Bretton Arms Inn in Mount Washington, New Hampshire, During Leaf-Peeping Season in October
In addition to foliage viewing, you can play a round at the resort’s 18-hole golf course, go ziplining or ride the gondola to the summit of the mountain.
You can also transfer your rewards to any of Chase’s hotel and airline travel transfer partners, which could also yield better values for your rewards. Here are some examples of what the current big bonus could get you by transferring your rewards:
Transfer 114,000 Points to United MileagePlus and Fly Four People One-Way From New York (NWK) to Lisbon, Portugal (LIS)
Visit the Belém Tower, a UNESCO World Heritage Site, and then relax as the sun sets with a glass of the country’s famed Port wine.
Transfer 90,000 Points to Hilton Honors and Spend Christmas Eve and Christmas Day at the Waldorf-Astoria in Panama City
See the famed Panama Canal, an engineering marvel and key commercial shipping route, and enjoy the city’s notable gastronomy.
Is the Sapphire Reserve Worth Keeping for the Long Term?
For the right cardholder, the changes to the Sapphire Reserve can be well worth its increased $795 annual fee. As part of the changes to the card, a whole new slew of credits and potential perks have been added. Cardholder benefits now include:
- A flexible $300 annual travel credit (carried over from the previous version of the card).
- A $500 credit for prepaid stays with hotels in The Edit collection. Get up to $250 in statement credits from January through June and again from July through December with a two-night minimum required.
- A Priority Pass Select membership, which grants access to Priority Pass airport lounges worldwide with up to two guests, including every Chase Sapphire Lounge by The Club.
- $300 in annual dining credits ($150 from January through June and another $150 from July through December) for restaurants that are part of the Sapphire Reserve Exclusive Tables collection.
- $250 in complimentary Apple TV+ and Apple Music subscriptions.
- $300 in annual StubHub credits ($150 from January through June and another $150 from July through December).
The card can also pay off big for anyone who spends heavily on flights and hotels since it now earns 8 points per dollar on all purchases through Chase Travel℠, including The Edit℠, 4 points per dollar on flights and hotels booked direct, 3 points per dollar on dining worldwide and 1 point per dollar spent on all other purchases.
How To Get the Chase Sapphire Reserve
Applying for the Chase Sapphire Reserve is simple and can be done online or in a branch. If you already have an account with Chase, you can log in to have some of your information prefilled. Be aware that as a premium luxury card, the Sapphire Reserve is meant for those with excellent credit. FICO typically defines excellent credit as having a FICO Score of 740 or higher. However, there is no one exact credit score that will guarantee you’ll be approved for a specific card, as issuers look at a range of financial factors, including your income and current debts.
Chase also has some welcome bonus rules worth noting. If you’ve ever owned a Sapphire Reserve card in the past, you won’t be eligible to earn the big bonus on this version of the Sapphire Reserve Card. You also may not be eligible if you currently hold a Chase Sapphire Preferred® Card or if Chase feels that you have opened too many cards recently. If any of these are the case, you may get a pop-up during the application process saying you aren’t eligible for the welcome bonus and why.
Unfortunately, choosing not to continue will still result in a hard credit inquiry on your report. This is notably different from how American Express allows you to exit the application process without harming your credit if you learn you are not eligible for a welcome bonus.
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Bottom Line
A welcome offer like this doesn’t come around often. If you’re eligible to earn it and can make the most out of the Sapphire Reserve’s benefits and potential credits, get it before this best-ever bonus is gone.
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