Chase Sapphire Reserve: 100,000 Point + $500 Sign Up Bonus, New $795 Annual Fee & More

The Offer

Direct link to offer

  • The revamped Chase Sapphire Reserve is now live offering the following sign up bonus after spending $5,000 within the first three months:
    • 100,000 Chase Ultimate Rewards points
    • $500 Credit Towards Chase Travel (The promotional credit is valid for a one-time use only, if you apply the promotional credit to a transaction less than $500, you will forfeit the remaining balance. If a portion of your purchase is cancelled due to an issue with the service provider, you will receive a new promotional credit for the amount cancelled)

Card Details

  • $795 annual fee, $195 authorized user fee
  • Card earns at the following rates:
    • 8x points on all purchases through Chase Travel, including The Edit
    • 4x points on flights booked direct
    • 4x points on hotels booked direct
    • 3x points on dining worldwide
    • 1x points on all other purchases
  • $500 credit for stays with The Edit (Two $250 credits, one January – June and one July – December)
  • $300 annual travel credit
  • Sapphire Reserve Tables $300 dining credit (two $150 credits, one Jan-June and one Jul-Dec)
  • Apple TV+ & Apple Music subscription
  • $120 DashPass membership
  • $300 DoorDash promos ($25 per month)
    • a $5 monthly promo to spend on restaurant orders and two $10 promos each month to save on groceries, retail orders, and more
  • $300 in StubHub credits (Two $150 credits, one January – June and one July – December)
  • $120 Lyft Credit ($10 per month)
  • $120 in Peloton credits ($10 per month)
  • IHG® One Rewards Platinum Elite Status
  • Lounge access (Priority pass and Chase Sapphire Lounge® by The Club. Primary cardholder and up to two guests)
  • Global Entry, TSA PreCheck®, or NEXUS fee credit

Our Verdict

Will be interesting to see how the new pop up jail works and if 5/24 is still in effect or not. Sign up bonus is a bit disappointing given the hype but still a good deal. Much like the Sapphire Reserve Business card I think it’s very difficult to justify the annual fee on and ongoing basis but worth it first year for the sign up bonus if you can maximize some of the benefits at least. We will ad this to our list of the best credit card bonuses. Not showing on referrals yet, but when it does we will make a dedicated referral thread for people to share their links (do not share them here if it goes live).

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339 Comments
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Mojo-Jojo
Mojo-Jojo (@guest_2104808)
July 23, 2025 12:47

would applying now mean $250 stay credit from Jan – June is a lost cause? Or there is some other way to keep it alive that I am not understanding from the terms?

Tech453
Tech453 (@guest_2105368)
July 24, 2025 09:41

Was wondering this too now…

Celia 🔗
Celia 🔗 (@guest_2105419)
July 24, 2025 11:27

If I’m understanding the question: If you apply today, you’d have a $250 credit from July to Dec 2025 and Jan to June 2026.

beat2def
beat2def (@guest_2104121)
July 22, 2025 10:01

Chase Travel is showing a property in Aruba for $700 a night but Hotels.com is showing it for $400 a night. Checked Chicago, since I’m going in December, all three properties I was looking at are more expensive. Other than for redeeming points and now these Chase Travel Portal credits, why would anyone use the portal?!

Md H
Md H (@guest_2104094)
July 22, 2025 09:24

Approved, last bonus received 12/1/2021 (43 months).

Brian
Brian (@guest_2103242)
July 20, 2025 16:36

My wife applied over two weeks ago. Her account was showing pre-approved but the application through clicking that button wasn’t working. So she applied in the normal application. Email after applying said “We’ll review your Chase Sapphire Reserve Card application and be in touch soon. “

Christian
Christian (@guest_2102095)
July 18, 2025 10:41

I did a PC on my CSP to CFU on 7/16 and lowered the limit on a couple of Chase credit cards in prep for applying. Applied this morning and got the we need to review your app message. Two hours later, got an approved email.

Christian
Christian (@guest_2102104)
July 18, 2025 10:54

They gave me a $31K limit so maybe I didn’t need to lower any other card limits but I read DPs of people getting denied because of outstanding credit so better safe than sorry.

Celia 🔗
Celia 🔗 (@guest_2102230)
July 18, 2025 13:29

I lowered one of mine to be safe but also got a huge credit line. A week or so later I got an alert on my credit monitoring that my CL was lowered by Chase, not by me. Weird.

Oliver
Oliver (@guest_2101890)
July 17, 2025 22:19

DP: Applied 7/16 through referral link. Got dreaded “We need to review your application” onscreen message and email. Next day received electronic letter saying I was declined due to: 1. Too many active accounts or too much available credit on consumer report; 2. Low usage of Chase credit line(s).

PC’ed CSP to CFU on 7/10 (CSP opened Nov 2021, under 48 months for SUB).
3/24; 867 credit score; 6 Chase personal cards, 3 biz.

Oliver
Oliver (@guest_2102224)
July 18, 2025 13:17

Update: Called recon 7/18, agent asked if the salary inputted on the application is correct, told him it’s actually somewhat higher. He said I can shift some credit from other cards to have enough for 10K minimum on new CSR. Did so, approved. New card to be delivered expedited in 1-2 biz days. New card showing immediately in my account.

Frey
Frey (@guest_2098863)
July 14, 2025 12:27

Has anyone seen pending points for referrals made that first week? I had two that I referred and nothing is showing yet, usually is about 2 weeks. Wondering if they changed their timing and taking the full 8 weeks.

Tye
Tye (@guest_2096530)
July 10, 2025 18:21

Made the mistake of cancelling my CSP instead of downgrading. How long should I wait before applying? On my dashboard, the account is showing closed, but not sure if that’s good enough

Lynn
Lynn (@guest_2096624)
July 10, 2025 20:54

May take a month vs about 5 days if downgrade.

Anthony
Anthony (@guest_2097590)
July 12, 2025 01:56

I cancelled my CSP on 7/2 and was approved with no pop up on 7/9. It was open for four years, but I was still within the 48 month window under the old rules.

Sub hunter
Sub hunter (@guest_2100342)
July 16, 2025 06:58

Have you seen bonus tracker in your app yet? I was approved 7/15 and my card is showing in the app. Though I can’t see bonus tracker.

Dan
Dan (@guest_2095657)
July 9, 2025 17:37

Anyone know when this offer will expire? We’re under 48 months since last SUB on the CSP. August and September of 2021. Maybe slide an app in to see if PUJ will let me know if I’m not eligible? Or is that too risky?

Celia 🔗
Celia 🔗 (@guest_2095664)
July 9, 2025 17:44

Dan While I don’t know when it will expire, not sure anyone does, I can say I applied about 10 days short of my 48 months without a problem. That was 10 days short of the charge that got me the bonus, not the statement date. The most denials I’ve seen are from those that have a Sapphire or it hasn’t cleared the system. There is this thread with a positive less than 48 month DP.

Ben
Ben (@guest_2096540)
July 10, 2025 18:31

I applied roughly 3 weeks before officially meeting 48 months and was approved after review. No PUJ. Might be worth a try?

NKT
NKT (@guest_2094513)
July 8, 2025 12:55

I’m a little confused on the travel credit. So is it $500 instead of $300 for the first year? Or is it an additional $500?

sammy
sammy (@guest_2095071)
July 9, 2025 04:28

same question

Hoosdontloos
Hoosdontloos (@guest_2095167)
July 9, 2025 10:09

I dont have this card yet but my understanding is that they are separate credits. And the annual travel credit ($300) applies to any travel spend including outside of Chase’s travel portal

Lynn
Lynn (@guest_2096623)
July 10, 2025 20:51

Both, 300 can be used for travel and get an auto credit, but 500 must be used in chase travel portal and used all at once or lose the rest.