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2025.9 Replace: At present 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. This can be a good small enchancment. Additionally, there’s one other one time profit for 2026 solely: Stand up to $250 on pay as you go Chase Journey lodge bookings of two nights or extra for IHG Inns & Resorts, Montage Inns & Resorts, Pendry Inns & Resorts, Omni Inns & Resorts, Virgin Inns, Minor Inns and Pan Pacific Inns and Resorts. HT: VFTW.

2025.6 Replace: New card launched. The welcome provide is 200k, which is HUGE!

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Advantages

1. 200k provide: earn 200,000 Final Rewards (UR) factors after spending $30,000 within the first 6 months. That is the most effective ever provide on this card!
2. We estimate that Final Rewards (UR) factors are price about 1.6 cents/level, see beneath for a quick introduction. So the 200k  highest welcome provide is price about $3,200!
3. If in case you have this card, you possibly can switch your UR factors to accomplice airways miles and lodge factors.
4. [New] Earn 8x UR factors on purchases by way of Chase Journey; earn 4x UR factors on flights and motels booked direct; earn 3x UR factors on internet advertising; 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 motels. (The default worth is 1.0 cent/level.) This function changed the outdated 1.5 cents/level fastened worth redemption function.
6. “Pay Your self Again”: you possibly can redeem UR factors for assertion credit towards current purchases in choose, rotating classes. The redemption fee was 1.5 cents/level on 2020/2021, however then it turned 1.25 cents/level afterwards.
7. [New] This card affords 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’ll be able to carry as much as 2 friends free of charge.
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 Automobile Rental Privileges. However notice that the $100 air low cost profit is NOT included.
11. Major automotive rental insurance coverage.
12. No overseas transaction price.

Varies Credit

You get the next credit by holding this card:

• $300 Journey Credit score: Annually (account anniversary yr), mechanically obtain as much as $300 in assertion credit as reimbursement for journey purchases resembling airfare and motels charged to your card. All journey bills depend, 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 by way of June and once more from July by way of 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 motels on Chase Journey.
• $300 DoorDash Credit score: You’ll 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 avoid wasting on groceries, retail orders, and extra. Obtainable by way of 12/31/2027.
• $120 Lyft Credit score: Stand up to $10 in month-to-month in-app credit to make use of on rides by way of 9/30/2027.* Plus, earn 5x complete factors on Lyft rides by way of 9/30/2027.
• $400 ZipRecruiter Credit score: Earn as much as $200 in assertion credit January by way of June and as much as $200 in assertion credit July by way of December.
• $200 Google Workspace Credit score: earn as much as $200 in annual assertion credit on purchases made straight on Google Workspace.
• $100 Giftcards.com credit score: Earn as much as $100 per yr in assertion credit if you buy reward playing cards from a curated assortment on giftcards.com/reservebusiness. You’ll earn as much as $50 in assertion credit January by way of June and as much as $50 July by way of December.

You get the next if spending $120,000 in a calendar yr (notice that this spending requirement is increased than the $75k for private CSR):

• $500 Credit score for The Outlets 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 yr. Licensed person playing cards are free however they don’t have advantages. Word that the annual price doesn’t depend 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 earnings and credit score historical past.

Introduction to UR Factors

• You’ll be able to earn UR factors with Chase Freedom Scholar, Chase Freedom, Chase Freedom Limitless (CFU), Chase Sapphire Most well-liked (CSP), Chase Sapphire Reserve (CSR), Chase Ink Money (Enterprise), Chase Ink Limitless (Enterprise), Chase Ink Most well-liked (Enterprise), and so on.
• 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 case you shut the account, however you possibly can stop dropping your UR factors by shifting the factors to a different UR card beforehand.
• If in case you have Chase Sapphire Most well-liked (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Most well-liked (Enterprise), UR factors might 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 finest 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 so on. When you use UR factors on this approach, the worth is about 1.6 cents/level.
• If in case you have 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 motels on Chase Journey with the “Factors Enhance” function; when you’ve got Chase Sapphire Most well-liked (CSP) or Chase Ink Most well-liked (Enterprise), the worth is as much as 1.5 cpp (or 1.75 cpp for premium cabin).
• If in case you have any of the UR playing cards, you possibly can redeem your UR factors at a set fee 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: Earn and Introduction to UR: Use (very detailed).

Advisable Software Time

1. [5/24 Rule] If in case you have 5 or extra new accounts opened prior to now 24 months, Chase won’t 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 the right way to presumably bypass this rule.
2. [New] Chase launched a once-per-lifetime rule: The brand new cardmember bonus might not be obtainable to you if (1) you at present have another enterprise 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 contemplate 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 doubtless that you’ll get rejected.
5. We advocate that you simply apply for this card after you’ve had different Chase bank cards for no less than 3 months, or after you’ve had a credit score historical past for greater than a yr.

Abstract

This card might not be cost-effective to carry long-term, however the large sign-up bonus of 200k is certainly price going for.

This card has quite a bit in frequent with the non-public Chase Sapphire Reserve (CSR) card, in addition to many variations. The next desk lists all of the variations, all else are the identical:

After the 2025 revamp, the annual price 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 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 only some motels and they’re all overpriced, so its worth needs to 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 fee nonetheless diminishes the attraction of UR factors. That mentioned, if you wish to redeem UR factors in methods aside from transferring to companions, you’ll nonetheless have to have this CSR card. When you don’t plan to carry it long-term, you would contemplate 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

Advisable Downgrade Choices

• Can we downgrade it to a Chase Ink card?

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 authorized; Obtain resolution in 7-10 days means your utility might be rejected; Obtain resolution in 30 days merely means your utility requires additional assessment and there’s nothing to inform you for now.
• Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it in case you didn’t get approve instantly. Your private info might be acquired and they’ll then assessment it. You seldom reply questions, as an alternative, simply benefit from the music and then you definitely get authorized or rejected, or additional info is required to be hand in to the department or faxed.

Historic Provides Chart

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Editorial disclosure: Opinions specific listed here are writer’s alone, not these of any financial institution, bank card issuer, lodge, airline, or different entity. This content material has not been reviewed, authorized or in any other case endorsed by any of the entities included inside the publish.

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