If you're having trouble finding any links, be sure to check out my Best Offers pages in the menu.
Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. This is the highest offer this card has ever had!
Full benefits & perks
- $300 annual travel credit — automatically applies to first $300 in travel purchases
- $500 annual statement credit for The Edit — split into two $250 credits for eligible stays of two nights or more at Chase's curated collection of luxury hotels and resorts
- $300 additional hotel credit (2026 only) — one-time statement credit for eligible prepaid hotel stays at IHG, Minor Hotels, Montage, Omni, Pan Pacific, Pendry, or Virgin Hotels booked through Chase Travel
- $300 annual statement credit for StubHub or Viagogo purchases — split into two $150 biannual credits for concert and event tickets (activation required)
- $300 annual dining credit and exclusive OpenTable reservations — split into two $150 biannual credits automatically applied within the Sapphire Reserve Exclusive Tables program
- $250 annual statement credit for Apple TV+ and Apple Music subscriptions — one-time activation required in your Chase account
- $120 in annual statement credits toward Peloton memberships — $10 per month through Dec. 31, 2027
- $120 in annual Lyft in-app credits — up to $10 monthly through Sept. 30, 2027
- Access to Chase Sapphire Lounges with 2 complimentary guests
- Priority Pass lounge access to 1,300+ lounges worldwide
- Global Entry or TSA PreCheck credit up to $120 once every four years
- Points transfer to 14 airline and hotel partners at 1:1 ratio
- Most comprehensive travel protections in the Chase lineup
- No foreign transaction fees
My thoughts
The annual fee on this card is high, but once you factor in all of the credits, it fully covers the cost of that fee. This is especially true because many of the credits are calendar-year credits, meaning they reset each January. This means you can double dip them, getting twice the value! Add in lounge access, travel protections, and the massive welcome offer and it's hard to argue with the huge value of this card! Check out my CSR benefits guide that includes an interactive value calculator!
How to use your points
The same great Chase Ultimate Rewards transfer partners, just with even more earning power. Here are some of the best ways to use them:
- Transfer to World of Hyatt for incredible hotel value — read why I love Hyatt
- Transfer to Air France or Virgin Atlantic for Europe flights, Cathay Pacific for Asia flights, or any of the other many Chase partners — Learn more about them
- Need some trip inspo? Check out 20 ways to use 150,000 Chase points — See the list
- Book through Chase Travel for rental cars, cruises, and boutique hotels
A premium card that earns its keep!
- The multiple hotel and travel credits make up for all of the annual fee
- There are a mountain of other benefits worth over $2,000
- Many of the credits reset each calendar year, so you can double-dip them this year and next all for one annual fee!
- Lounge access with two guests adds serious value for frequent flyers
Thank you for using our card links when applying for new cards. It helps us run our small business at no extra cost to you. We appreciate your support!
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.