Advertiser Disclosure: This web site is a part of affiliate gross sales networks and receives compensation for sending site visitors to accomplice websites. This compensation could influence how and the place hyperlinks seem on this web site. This web site doesn’t embody all monetary firms or all accessible monetary gives.

2025.8 Replace: The 100k+$500 provide is expired. The brand new welcome provide is 125k, which remains to be fairly good.

2025.6 Replace: The advantages are fully refreshed. The brand new welcome provide is 100k+$500, one of the best ever provide on this card!

Provide Hyperlink

Advantages

1. 125k provide: earn 125,000 Final Rewards (UR) factors. The latest finest provide is 100k+$500.
2. We estimate that Final Rewards (UR) factors are price about 1.6 cents/level, see under for a short introduction. So the 125k welcome provide is price about $2,000!
3. When you have this card, you may switch your UR factors to accomplice airways miles and resort factors.
4. [New] Earn 8x UR factors on purchases by Chase Journey; earn 4x UR factors on flights and motels booked direct; earn 3x UR factors on eating; and earn 1x UR factors on all the things else.
5. [New] “Factors Increase”: you may redeem your UR factors on Chase Journey, with worth as much as 2.0 cents/level for some flights and motels. (The default worth is 1.0 cent/level.) This function changed the outdated 1.5 cents/level mounted worth redemption function.
6. “Pay Your self Again”: you may redeem UR factors for assertion credit towards current purchases in choose, rotating classes. The redemption price was 1.5 cents/level on 2020/2021, however then it turned 1.25 cents/level afterwards.
7. [New] This card gives varies credit to cowl some bills, see particulars within the subsequent part.
8. Complimentary entry to Chase Sapphire Lounges; Complimentary Precedence Cross Choose (PPS) card for the first cardholder and licensed customers. You possibly can deliver as much as 2 company at no cost.
9. Credit score for International Entry or TSA Pre software charge.
10. Visa Infinite advantages, together with: Visa Infinite Resort Assortment, Visa Infinite Resort Privileges, Visa Infinite Automobile Rental Privileges. However observe that the $100 air low cost profit is NOT included.
11. Main automotive rental insurance coverage.
12. No overseas transaction charge.
13. Refer a buddy. You possibly can earn 10,000 bonus UR factors for each accepted account you refer, as much as a most of 10 accepted referrals (100,000 UR factors) per calendar 12 months.

Varies Credit

You get the next credit by holding this card:

• $300 Journey Credit score: Every year (account anniversary 12 months), mechanically obtain as much as $300 in assertion credit as reimbursement for journey purchases similar to airfare and motels charged to your card. All journey bills depend, so it’s tremendous straightforward to get this one, fully totally different from the credit under.
• $500 Edit Assortment Credit score: As much as $250 in assertion credit from January by June and once more from July by December for pay as you go bookings made with The Edit. “The Edit” is a luxurious subset of motels on Chase Journey.
• $300 Sapphire Reserve Tables Eating Credit score: Rise up to $150 in assertion credit from January by June and once more from July by December for a most of $300 yearly for eating at eating places which are a part of our Sapphire Reserve Unique Tables.
• $300 StubHub Credit score: Rise up to $150 in assertion credit from January by June and once more from July by December for a most of $300 yearly for StubHub and viagogo purchases by 12/31/2027. Activation required.
• $250 Apple TV+ and Apple Music Credit score: Get complimentary Apple TV+, the unique streaming residence of Apple Originals. Plus Apple Music – all of the music you’re keen on, throughout all of your units. Subscriptions run by 6/22/2027 – a worth of $250 yearly.
• $300 DoorDash Credit score: You’ll get Complimentary DashPass membership. As well as, DashPass members stand up to $25 every month to spend on DoorDash, which features a $5 month-to-month promo to spend on restaurant orders and two $10 promos every month to avoid wasting on groceries, retail orders, and extra. Out there by 12/31/2027.
• $120 Lyft Credit score: Rise up to $10 in month-to-month in-app credit to make use of on rides by 9/30/2027.* Plus, earn 5x whole factors on Lyft rides by 9/30/2027.
• $120 Peloton Credit score: Get $10 in assertion credit per thirty days on eligible Peloton memberships by 12/31/2027, for a most of $120 yearly. Activation required. Plus, earn 10x whole factors on eligible Peloton tools and accent purchases over $150 by 12/31/2027.

You get the next if spending $75,000 in a calendar 12 months:

• $250 Credit score for The Retailers at Chase
• $500 Southwest Airways Chase Journey credit score
• IHG One Rewards Diamond Elite Standing
• Southwest Airways A-list standing

Disadvantages

1. [New] Annual charge $795, NOT waived first 12 months. $195 annual charge for every licensed person. Notice that the annual charge doesn’t depend in direction of the minimal spending requirement (and that is true for all bank cards)!
2. The bottom credit score restrict is $10k, so it requires good revenue and credit score historical past.

Introduction to UR Factors

• You possibly can earn UR factors with Chase Freedom Scholar, Chase Freedom, Chase Freedom Limitless (CFU), Chase Sapphire Most popular (CSP), Chase Sapphire Reserve (CSR), Chase Ink Money (Enterprise), Chase Ink Limitless (Enterprise), Chase Ink Most popular (Enterprise), and so on.
• You possibly can transfer your UR factors from one UR card to a different at any time.
• UR factors by no means expire. You’ll lose the UR factors on one card if you happen to shut the account, however you may forestall dropping your UR factors by transferring the factors to a different UR card beforehand.
• When you have Chase Sapphire Most popular (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Most popular (Enterprise), UR factors may be transferred to some resort factors. Probably the greatest manner to make use of UR factors is to 1:1 switch to Hyatt factors. UR factors can be transferred to some airline miles. One of the vital frequent and finest manner to make use of UR factors is to 1:1 switch them to United Airways (UA) miles (Star Alliance), and mix them with the UA miles earned from the UA card. Different good choices are: Southwest (WN) (Non-alliance), British Airways (BA) (Oneworld), Virgin Atlantic (VS) (Non-alliance), and so on. For those who use UR factors on this manner, the worth is about 1.6 cents/level.
• When you have Chase Sapphire Reserve (CSR), you may redeem your UR factors for as much as 2.0 cents/level in direction of air tickets or motels on Chase Journey with the “Factors Increase” function; when you have Chase Sapphire Most popular (CSP) or Chase Ink Most popular (Enterprise), the worth is as much as 1.5 cpp (or 1.75 cpp for premium cabin).
• When you have any of the UR playing cards, you may redeem your UR factors at a set price 1 cent/level in direction of money.
• In abstract, we estimate that UR factors are price about 1.6 cents/level.
• For extra details about UR factors, see Maximize the Credit score Card Factors Values (overview), and Introduction to UR: Find out how to Earn and Introduction to UR: Find out how to Use (very detailed).

Really useful Utility Time

1. [5/24 Rule] When you have 5 or extra new accounts opened previously 24 months, Chase is not going to approve your software on this card, regardless of how excessive your credit score rating is. The variety of new accounts contains all bank card accounts, not solely Chase accounts. See this submit for particulars about how one can presumably bypass this rule.
2. [New] Chase launched a once-per-lifetime rule: The brand new cardmember bonus is probably not accessible to you if (1) you at the moment have another private Sapphire playing cards open, (2) beforehand held this card, (3) or obtained a brand new cardmember bonus for this card. This rule changed the outdated 48 month rule and identical household rule for the Sapphire playing cards.
3. [New] Chase launched a pop up jail mechanism: They might take into account the variety of playing cards you have got opened and closed, in addition to different components in figuring out your bonus eligibility.
4. Don’t apply for greater than 2 Chase bank cards inside 30 days, it’s extremely doubtless that you’re going to get rejected.
5. We advocate that you just apply for this card after you have got had different Chase bank cards for no less than 3 months, or after you have got had a credit score historical past for greater than a 12 months.

Abstract

This card is probably not cost-effective to carry long-term, however the huge sign-up bonus of 100k factors + $500 is unquestionably price going for.

After the 2025 revamp, the annual charge for this card has risen to a whopping $795, successfully turning it right into a coupon e book. The quite a few credit are overwhelming and headache-inducing; in actuality, the one profit that most individuals can constantly maximize is the $300 journey credit score. Most of the different perks require spending particularly to set off the credit, which is probably not worthwhile only for the sake of “gaming the system.” The $500 resort credit score for The Edit is essential—whether or not you may absolutely put it to use with out losses will largely decide whether or not this card finally ends up having a destructive efficient annual charge. We’ll replace when extra information factors can be found.

With the 2025 revamp, this card has misplaced its 1.5 cpp (cents per level) minimal redemption worth for UR factors. As an alternative is the brand new Factors Increase function with variable redemption charges. Whereas the higher restrict of redemption worth is now greater, the lack of the minimal redemption price nonetheless diminishes the enchantment of UR factors. That mentioned, if you wish to redeem UR factors in methods apart from transferring to companions, you’ll nonetheless have to have this CSR card. For those who don’t plan to carry it long-term, you possibly can take into account accumulating factors with different UR playing cards first, then apply for or improve to the CSR whenever you’re able to redeem, and downgrade the cardboard after redeeming.

Associated Credit score Playing cards

Really useful Downgrade Choices

• Chase Freedom. Even when you have already got a Freedom, you might be nonetheless in a position to downgrade your CSP to have a second Freedom.
• Chase Freedom Limitless (CFU).
• Chase Sapphire. In case you are not in a position to downgrade your card to the above good playing cards, you may downgrade it to this card and attempt to product change sooner or later.

After Making use of

• Name 800-436-7927 to test Chase software standing. That is an automatic phone line, and the knowledge has the next meanings: Obtain choice in 2 weeks means your software might be accepted; Obtain choice in 7-10 days means your software might be rejected; Obtain choice in 30 days merely means your software requires additional evaluation and there’s nothing to inform you for now.
• Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it if you happen to didn’t get approve instantly. Your private data can be acquired and they’re going to then evaluation it. You seldom reply questions, as a substitute, simply benefit from the music and you then get accepted or rejected, or additional data is required to be hand in to the department or faxed.

Historic Presents Chart

Provide Hyperlink

Editorial disclosure: Opinions categorical listed below are creator’s alone, not these of any financial institution, bank card issuer, resort, airline, or different entity. This content material has not been reviewed, accepted or in any other case endorsed by any of the entities included inside the submit.

For those who like this submit, do not forget to offer it a 5 star ranking!