Chase Sapphire Reserve
By Alex Compton · Last verified
The flagship premium travel card, rebuilt in 2025 with a credit stack that can out-earn its fee.
Welcome Bonus
100,000
≈$2,050 value
Spend Requirement
$6,000
in 3 months
Annual Fee
$795
No FTF
Credit Score
740+
(Excellent)
Current offer note: Public offer; prior 150k peak has ended
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Strong offerThe current 100k beats this card's typical offer of 75k. The all-time high is 150k, so a bigger number has appeared before, but you are getting an above-average deal today.
Current offer
100k
All-time high
150k
Typical offer
75k
In place since
September 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-04 | 100,000 | $6,000 in 3 mo | Bonus decreased: 150,000 → 100,000Public offer returned below the 150k recorded peak | Chase Sapphire Reserve product page → |
| 2026-06 | 150,000 | $6,000 in 3 mo | Bonus increased: 100,000 → 150,000 · Spend: $5,000 → $6,000Best-ever offer | Archive record · no attached snapshot |
| 2026-01 | 100,000 | $5,000 in 3 mo | Terms reconfirmed100k + $500 Chase Travel credit | Archive record · no attached snapshot |
| 2025-06 | 100,000 | $5,000 in 3 mo | Bonus increased: 60,000 → 100,000 · Spend: $4,000 → $5,000Card refresh: $795 AF, new credit stack | Archive record · no attached snapshot |
| 2024-04 | 60,000 | $4,000 in 3 mo | Bonus decreased: 75,000 → 60,000 | Archive record · no attached snapshot |
| 2024-02 | 75,000 | $4,000 in 3 mo | Bonus increased: 60,000 → 75,000 | Archive record · no attached snapshot |
| 2023-07 | 60,000 | $4,000 in 3 mo | Bonus decreased: 70,000 → 60,000 | Archive record · no attached snapshot |
| 2023-01 | 70,000 | $4,000 in 3 mo | Bonus decreased: 80,000 → 70,000 | Archive record · no attached snapshot |
| 2022-10 | 80,000 | $4,000 in 3 mo | Bonus increased: 70,000 → 80,000 | Archive record · no attached snapshot |
| 2022-05 | 70,000 | $4,000 in 3 mo | Bonus increased: 60,000 → 70,000 | Archive record · no attached snapshot |
| 2021-08 | 60,000 | $4,000 in 3 mo | Bonus increased: 50,000 → 60,000 | Archive record · no attached snapshot |
| 2017-01 | 50,000 | $4,000 in 3 mo | Bonus decreased: 100,000 → 50,000 | Archive record · no attached snapshot |
| 2016-08 | 100,000 | $4,000 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Public offer decreased from the recorded 150,000-point peak to 100,000 points after $6,000 in purchases within three months; fees, earning rates and major published credits were rechecked.
Fields: currentOffer, offerHistory, credits
Chase Sapphire Reserve product page →
Source checked 2026-09-04 · spot an outdated offer? Report a correction above.
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Earning Rates
- 8xChase Travel purchases
- 4xFlights and hotels booked direct
- 3xDining worldwide
- 1xAll other purchases
Credits ($2,178/yr stated)
- Travel credit$300
Automatic, any travel purchase
- The Edit hotel credit$500
$250 Jan-Jun + $250 Jul-Dec, 2-night min
- Select Chase Travel hotel credit$250
Eligible prepaid hotel bookings through December 31, 2026
- Dining credit$300
$150 semiannually at Sapphire Reserve Exclusive Tables
- Apple TV and Apple Music subscriptions$288
Complimentary subscriptions while the benefit remains active
- StubHub / viagogo credit$300
$150 semiannually
- Lyft credit$120
$10 monthly in-app credit
- Peloton membership credit$120
$10 monthly
Benefits
- ✦Priority Pass Select + Chase Sapphire Lounge network
- ✦Points Boost: up to 2.0¢/pt on select Chase Travel redemptions
- ✦Global Entry / TSA PreCheck / NEXUS credit
- ✦Primary rental car insurance, trip delay and cancellation cover
- ✦Complimentary DashPass + DoorDash promos
- ✦Apple TV+ and Apple Music subscription credits
- ✦1:1 transfers to Hyatt, United, Southwest and 11 more partners
Lounge Access
This card opens 2 lounge networks. See exactly what you can walk into at your airport with the Lounge Finder.
Why it earns its spot
- +Industry-best transfer partners (Hyatt alone justifies the points)
- +A large travel-and-lifestyle credit stack if the merchants fit your normal spending
- +8x on Chase Travel is a monster earn rate
- +Lounge network is expanding fast
Where it costs you
- −$795 annual fee demands active credit management
- −Coupon-book style credits take effort to maximize
- −Points Boost replaced the simpler flat 1.5¢ portal rate
- −Subject to Chase 5/24
The Compound Verdict
The 2025 refresh turned the CSR into a credit-stack card. If you travel even a few times a year and will use the Edit and dining credits, the math still works decisively in your favor. If you want simple, look at the Sapphire Preferred or Venture X instead.
Head-to-Head Comparisons
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