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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. This can be 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 Motels & Resorts, Montage Motels & Resorts, Pendry Motels & Resorts, Omni Motels & Resorts, Virgin Motels, Minor Motels and Pan Pacific Motels and Resorts. HT: VFTW.

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

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Advantages

1. 200k supply: earn 200,000 Final Rewards (UR) factors after spending $30,000 within the first 6 months. That is the perfect ever supply 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 supply is price about $3,200!
3. When you’ve got this card, you’ll be able to 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 motels booked direct; earn 3x UR factors on internet advertising; and earn 1x UR factors on the whole lot else.
5. [New] “Factors Increase”: you’ll be able to 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 This characteristic changed the outdated 1.5 cents/level mounted worth redemption characteristic.
6. “Pay Your self Again”: you’ll be able to redeem UR factors for assertion credit towards current purchases in choose, rotating classes. The redemption fee was once 1.5 cents/level on 2020/2021, however then it turned 1.25 cents/level afterwards.
7. [New] This card provides 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 may deliver as much as 2 visitors without cost.
9. Credit score for International Entry or TSA Pre utility payment.
10. Visa Infinite advantages, together with: Visa Infinite Lodge Assortment, Visa Infinite Lodge Privileges, Visa Infinite Automobile Rental Privileges. However observe that the $100 air low cost profit is NOT included.
11. Major automotive rental insurance coverage.
12. No international transaction payment.

Varies Credit

You get the next credit by holding this card:

• $300 Journey Credit score: Every year (account anniversary yr), routinely obtain as much as $300 in assertion credit as reimbursement for journey purchases reminiscent of airfare and motels charged to your card. All journey bills rely, so it’s tremendous simple to get this one, utterly 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 motels on Chase Journey.
• $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. Obtainable 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.
• $400 ZipRecruiter Credit score: Earn as much as $200 in assertion credit January via June and as much as $200 in assertion credit July via December.
• $200 Google Workspace Credit score: earn as much as $200 in annual assertion credit on purchases made instantly on Google Workspace.
• $100 Giftcards.com credit score: Earn as much as $100 per yr in assertion credit whenever you buy reward playing cards from a curated assortment on giftcards.com/reservebusiness. You’ll earn as much as $50 in assertion credit January via June and as much as $50 July via December.

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

• $500 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 payment $795, NOT waived first yr. Approved consumer playing cards are free however they don’t have advantages. Notice that the annual payment 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 earnings and credit score historical past.

Introduction to UR Factors

• You may 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 many others.
• You may 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 when you shut the account, however you’ll be able to stop shedding your UR factors by transferring the factors to a different UR card beforehand.
• When you’ve got Chase Sapphire Most well-liked (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Most well-liked (Enterprise), UR factors will be transferred to some lodge factors. The most effective method to make use of UR factors is to 1:1 switch to Hyatt factors. UR factors can be transferred to some airline miles. Probably the most frequent and greatest method 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. In case you use UR factors on this method, the worth is about 1.6 cents/level.
• When you’ve got Chase Sapphire Reserve (CSR), you’ll be able to 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 Increase” characteristic; 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).
• When you’ve got any of the UR playing cards, you’ll be able to 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: Tips on how to Earn and Introduction to UR: Tips on how to Use (very detailed).

Really useful Software 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 consists of all bank card accounts, not solely Chase accounts. See this put up for particulars about how one can presumably bypass this rule.
2. [New] Chase launched a once-per-lifetime rule: The brand new cardmember bonus will not be accessible to you if (1) you at the moment have every other enterprise Sapphire playing cards open, (2) beforehand held this card, (3) or acquired 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 think about the variety of playing cards you’ve opened and closed, in addition to different elements in figuring out your bonus eligibility.
4. Don’t apply for greater than 2 Chase bank cards inside 30 days, it’s extremely probably 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 will not be cost-effective to carry long-term, however the large sign-up bonus of 200k is certainly price going for.

This card has so much in frequent with the private 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 payment 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. Most of the different perks require spending particularly to set off the credit, which will 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 ought 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 substitute is the brand new Factors Increase characteristic with variable redemption charges. Whereas the higher restrict of redemption worth is now larger, the lack of the minimal redemption fee nonetheless diminishes the attraction of UR factors. That stated, if you wish to redeem UR factors in methods apart from transferring to companions, you’ll nonetheless must have this CSR card. In case you don’t plan to carry it long-term, you possibly can think about 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

• Can we downgrade it to a Chase Ink card?

After Making use of

• Name 800-436-7927 to verify Chase utility standing. That is an automatic phone line, and the knowledge has the next meanings: Obtain choice in 2 weeks means your utility might be accepted; Obtain choice in 7-10 days means your utility might be rejected; Obtain choice 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 when you didn’t get approve instantly. Your private info will probably be acquired and they’ll then assessment it. You seldom reply questions, as a substitute, simply benefit from the music and then you definitely get accepted or rejected, or additional info is required to be hand in to the department or faxed.

Historic Presents 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, accepted or in any other case endorsed by any of the entities included throughout the put up.

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