Earn 125,000 Points With The Chase Sapphire Reserve Card

Chase Sapphire Reserve

Chase Sapphire Reserve®: Premium Travel Rewards & Benefits in 2025

If you want a luxury travel card packed with versatile points, elite perks, and valuable credits, the Chase Sapphire Reserve® is a top contender — even with its $795 annual fee. Here’s the full breakdown of what this powerhouse card offers in 2025.

🔹 Welcome Bonus: 125,000 Chase Ultimate Rewards® Points

New cardholders can earn 100,000 Chase Ultimate Rewards points by spending $6,000 in the first 3 months.

• Points are worth at least $1,000 in cash back or up to $2,000+ when redeemed for travel.

• The $500 travel credit is a one-time promo code valid for one transaction.

• Credit posts within 6–8 weeks of hitting the spend and expires 1 year after issue.

If you previously applied and missed this bonus, some users report success with bonus match requests via Chase customer service.

🔹 Annual Fees & Users

• Primary card: $795/year

• Authorized users: $195/year each

The annual fee is offset by several valuable travel credits and benefits described below.

🔹 Earn Points on Everyday Spending

• 8x points on travel booked through Chase Travel (flights, hotels, car rentals, cruises, activities)

• 5x points on Lyft through 9/30/27

• 4x points on airfare and hotels (outside Chase Travel)

• 3x points on dining (including takeout and delivery)

• 1x point on all other purchases

• No foreign transaction fees

🔹 Key Travel Credits & Perks to Offset Your Fee

🔹 Exclusive Lounge Access

• Priority Pass Select: Access to 1,300+ airport lounges worldwide, plus 2 guests free

• Chase Sapphire Lounges: Locations in major cities like Boston, Hong Kong, JFK, and more, plus 2 guests

• Air Canada Maple Leaf Lounges: Free access for cardholders + 1 guest when flying Star Alliance

Authorized users get their own Priority Pass membership with guest privileges.

🔹 Hotel & Airline Elite Status

• IHG Platinum Elite status through 12/31/27

• Annual spend thresholds can unlock:

  • IHG Diamond Elite status

  • Southwest Airlines A-List status

  • $500 Southwest Airlines credit via Chase Travel

  • $250 credit for The Shops at Chase (select luxury brands)

🔹 Premium Travel Protections & Insurance

• Primary rental car insurance worldwide (secondary in NY)

• Trip cancellation/interruption coverage up to $10,000 per trip

• Trip delay reimbursement up to $500 after 6+ hour delay

• Lost luggage insurance up to $3,000 per person per trip

• Baggage delay coverage up to $100/day for essentials (max 5 days)

• Purchase protection up to $10,000 per item

• Return protection up to $500 per item

• Extended warranty coverage adds 1 extra year

• Travel accident insurance up to $1,000,000

🔹 Points Redemption & Transfer Flexibility

• Redeem points at 1.5 to 2 cents each on travel through Chase Travel with Points Boost hotels valued at 2 cents/point

• Transfer points 1:1 to major airline partners like United, Air Canada, British Airways, Emirates, Singapore Airlines, and more

• Transfer to hotel partners including Hyatt, Marriott, IHG, and Hilton (via Virgin Atlantic at 1:1.5 ratio)

• Pay Yourself Back feature allows redemption for statement credits at elevated rates in rotating categories (like groceries, gas, pet stores, and your annual fee)

🔹 Additional Perks

• Access to Reserve Travel Designers for personalized itinerary planning

• Complimentary DoorDash DashPass membership and monthly credits

• Monthly Peloton membership credits and bonus points for purchases

• Ability to convert card to/from other Chase cards after 12 months

• Priority Pass guest access included for authorized users

🔹 Who Is This Card For?

The Chase Sapphire Reserve is ideal for frequent travelers who value premium benefits, flexible point redemptions, and rich travel credits that can offset the hefty annual fee. It’s especially powerful when combined with other Chase cards to maximize points earning and redemption value.

Final Thoughts

If you can take full advantage of the travel credits, lounge access, and high-value point redemptions, the Chase Sapphire Reserve can easily deliver thousands of dollars in value annually. Keep in mind the application rules around signup bonuses, but it’s definitely worth considering for serious travelers.

Chase Sapphire Reserve