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2025.9 Replace: At the moment the $500 The Edit Lodge Credit score is given semi-annually, and ranging from 2026 it’s modified to: two $250 credit which can be utilized anytime all year long. It is a good small enchancment. Additionally, there’s one other one time profit for 2026 solely: Rise up to $250 on pay as you go Chase Journey lodge bookings of two nights or extra for IHG Resorts & Resorts, Montage Resorts & Resorts, Pendry Resorts & Resorts, Omni Resorts & Resorts, Virgin Resorts, Minor Resorts and Pan Pacific Resorts and Resorts. HT: VFTW.

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

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

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Advantages

1. 125k supply: earn 125,000 Final Rewards (UR) factors. The current greatest supply is 100k+$500.
2. We estimate that Final Rewards (UR) factors are price about 1.6 cents/level, see beneath for a quick introduction. So the 125k welcome supply is price about $2,000!
3. When you’ve got this card, you possibly can switch your UR factors to associate airways miles and lodge factors.
4. [New] Earn 8x UR factors on purchases via Chase Journey; earn 4x UR factors on flights and accommodations booked direct; earn 3x UR factors on eating; and earn 1x UR factors on the whole lot else.
5. [New] “Factors Enhance”: you possibly can redeem your UR factors on Chase Journey, with worth as much as 2.0 cents/level for some flights and accommodations. (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 This function changed the outdated 1.5 cents/level mounted worth redemption function.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 possibly can redeem UR factors for assertion credit in opposition to present purchases in choose, rotating classes. The redemption charge was 1.5 cents/level on 2020/2021, however then it grew to become 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 Go Choose (PPS) card for the first cardholder and licensed customers. You’ll be able to convey as much as 2 company at no cost.
9. Credit score for World Entry or TSA Pre utility price.
10. Visa Infinite advantages, together with: Visa Infinite Lodge Assortment, Visa Infinite Lodge Privileges, Visa Infinite Automotive Rental Privileges. However observe that the $100 air low cost profit is NOT included.
11. Major automobile rental insurance coverage.
12. No overseas transaction price.
13. Refer a good friend. You’ll be able to 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), robotically obtain as much as $300 in assertion credit as reimbursement for journey purchases comparable to airfare and accommodations charged to your card. All journey bills rely, so it’s tremendous straightforward to get this one, fully completely different from the credit beneath.
• $500 The Edit Lodge Credit score: As much as $250 in assertion credit from January via June and once more from July via December for pay as you go bookings made with The Edit. [Update] Ranging from 2026, it’s modified to: two $250 credit which can be utilized anytime all year long. Two-night minimal required. “The Edit” is a luxurious subset of accommodations on Chase Journey.
• $300 Sapphire Reserve Tables Eating Credit score: Rise up to $150 in assertion credit from January via June and once more from July via 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 via June and once more from July via December for a most of $300 yearly for StubHub and viagogo purchases via 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 via 6/22/2027 – a worth of $250 yearly.
• $300 DoorDash Credit score: You’re going to get Complimentary DashPass membership. As well as, DashPass members rise 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 save lots of on groceries, retail orders, and extra. Out there via 12/31/2027.
• $120 Lyft Credit score: Rise up to $10 in month-to-month in-app credit to make use of on rides via 9/30/2027.* Plus, earn 5x complete factors on Lyft rides via 9/30/2027.
• $120 Peloton Credit score: Get $10 in assertion credit per thirty days on eligible Peloton memberships via 12/31/2027, for a most of $120 yearly. Activation required. Plus, earn 10x complete factors on eligible Peloton tools and accent purchases over $150 via 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 price $795, NOT waived first 12 months. $195 annual price for every licensed person. Be aware that the annual price doesn’t rely in the 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’ll be able to earn UR factors with Chase Freedom Pupil, 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 many others.
• You’ll be able to 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 in the event you shut the account, however you possibly can forestall dropping your UR factors by shifting the factors to a different UR card beforehand.
• When you’ve got Chase Sapphire Most popular (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Most popular (Enterprise), UR factors will be transferred to some lodge factors. Probably the greatest approach to make use of UR factors is to 1:1 switch to Hyatt factors. UR factors may also be transferred to some airline miles. Probably the most frequent and greatest approach 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 many others. Should you use UR factors on this approach, the worth is about 1.6 cents/level.
• When you’ve got Chase Sapphire Reserve (CSR), you possibly can redeem your UR factors for as much as 2.0 cents/level in the direction of air tickets or accommodations on Chase Journey with the “Factors Enhance” function; if in case 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’ve got any of the UR playing cards, you possibly can redeem your UR factors at a hard and fast charge 1 cent/level in the 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: How one can Earn and Introduction to UR: How one can Use (very detailed).

Really useful Utility Time

1. [5/24 Rule] When you’ve got 5 or extra new accounts opened up to now 24 months, Chase is not going to approve your utility on this card, irrespective of how excessive your credit score rating is. The variety of new accounts contains all bank card accounts, not solely Chase accounts. See this publish for particulars about easy methods to probably bypass this rule.
2. [New] Chase launched a once-per-lifetime rule: The brand new cardmember bonus might not be accessible to you if (1) you presently have every other 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 could think about the variety of playing cards you’ve 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 seemingly that you’ll get rejected.
5. We advocate that you just apply for this card after you’ve had different Chase bank cards for at the very least 3 months, or after you’ve had a credit score historical past for greater than a 12 months.

Abstract

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

After the 2025 revamp, the annual price for this card has risen to a whopping $795, successfully turning it right into a coupon ebook. The quite a few credit are overwhelming and headache-inducing; in actuality, the one profit that most individuals can persistently maximize is the $300 journey credit score. Lots of the different perks require spending particularly to set off the credit, which might not be worthwhile only for the sake of “gaming the system.” The Edit Lodge Credit score has a really excessive quantity of $500, however The Edit has just a few accommodations and they’re all overpriced, so its worth must be considerably discounted from its face worth.

With the 2025 revamp, this card has misplaced its 1.5 cpp (cents per level) minimal redemption worth for UR factors. As a replacement is the brand new Factors Enhance function with variable redemption charges. Whereas the higher restrict of redemption worth is now increased, the lack of the minimal redemption charge 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 must have this CSR card. Should you don’t plan to carry it long-term, you might think about accumulating factors with different UR playing cards first, then apply for or improve to the CSR if 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’re nonetheless capable of downgrade your CSP to have a second Freedom.
• Chase Freedom Limitless (CFU).
• Chase Sapphire. In case you are not capable of downgrade your card to the above good playing cards, you possibly can downgrade it to this card and attempt to product change sooner or later.

After Making use of

• Name 800-436-7927 to test Chase utility standing. That is an automatic phone line, and the data has the next meanings: Obtain resolution in 2 weeks means your utility might be accepted; Obtain resolution in 7-10 days means your utility might be rejected; Obtain resolution in 30 days merely means your utility requires additional evaluation and there’s nothing to let you know for now.
• Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it in the event you 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.

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Editorial disclosure: Opinions specific listed below are creator’s alone, not these of any financial institution, bank card issuer, lodge, 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 publish.

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