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2025.10 Replace: The brand new advantages are actually reside for present cardholders, as of Oct 26. Don’t overlook to make use of them!
2025.9 Replace: At present the $500 The Edit Resort 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 resort bookings of two nights or extra for IHG Accommodations & Resorts, Montage Accommodations & Resorts, Pendry Accommodations & Resorts, Omni Accommodations & Resorts, Virgin Accommodations, Minor Accommodations and Pan Pacific Accommodations and Resorts. HT: VFTW.
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!
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Advantages
- 125k provide: earn 125,000 Final Rewards (UR) factors. The current greatest provide is 100k+$500.
- We estimate that Final Rewards (UR) factors are value about 1.6 cents/level, see beneath for a quick introduction. So the 125k welcome provide is value about $2,000!
- If in case you have this card, you may switch your UR factors to accomplice airways miles and resort factors.
- [New] Earn 8x UR factors on purchases by means of Chase Travel; earn 4x UR factors on flights and lodges booked direct; earn 3x UR factors on eating; and earn 1x UR factors on all the pieces else.
- [New] “Factors Increase”: you may redeem your UR factors on Chase Travel, with worth as much as 2.0 cents/level for some flights and lodges. (The default worth is 1.0 cent/level.) This function changed the previous 1.5 cents/level mounted worth redemption function.
- “Pay Your self Again”: you may redeem UR factors for assertion credit towards present purchases in choose, rotating classes. The redemption charge was 1.5 cents/level on 2020/2021, however then it turned 1.25 cents/level afterwards.
- [New] This card gives varies credit to cowl some bills, see particulars within the subsequent part.
- Complimentary entry to Chase Sapphire Lounges; Complimentary Priority Pass Select (PPS) card for the first cardholder and licensed customers. You may convey as much as 2 company free of charge.
- Credit score for World Entry or TSA Pre software payment.
- Visa Infinite advantages, together with: Visa Infinite Resort Assortment, Visa Infinite Resort Privileges, Visa Infinite Automotive Rental Privileges. However word that the $100 air low cost profit is NOT included.
- Main automobile rental insurance coverage.
- No overseas transaction payment.
- Refer a friend. You may earn 10,000 bonus UR factors for each permitted account you refer, as much as a most of 10 permitted 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), routinely obtain as much as $300 in assertion credit as reimbursement for journey purchases akin to airfare and lodges 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 Resort Credit score: As much as $250 in assertion credit from January by means of June and once more from July by means 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 lodges on Chase Travel.
- $300 Sapphire Reserve Tables Eating Credit score: Stand up to $150 in assertion credit from January by means of June and once more from July by means of December for a most of $300 yearly for eating at eating places which can be a part of our Sapphire Reserve Unique Tables.
- $300 StubHub Credit score: Stand up to $150 in assertion credit from January by means of June and once more from July by means of December for a most of $300 yearly for StubHub and viagogo purchases by means of 12/31/2027. Activation required.
- $250 Apple TV+ and Apple Music Credit score: Get complimentary Apple TV+, the unique streaming house of Apple Originals. Plus Apple Music – all of the music you’re keen on, throughout all of your units. Subscriptions run by means of 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 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. Accessible by means 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 means of 9/30/2027.* Plus, earn 5x whole factors on Lyft rides by means of 9/30/2027.
- $120 Peloton Credit score: Get $10 in assertion credit per 30 days on eligible Peloton memberships by means of 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 means of 12/31/2027.
You get the next if spending $75,000 in a calendar 12 months:
- $250 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
- [New] Annual payment $795, NOT waived first 12 months. $195 annual payment for every licensed person. Be aware that the annual payment doesn’t rely in the direction of the minimal spending requirement (and that is true for all bank cards)!
- 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 Student, Chase Freedom, Chase Freedom Unlimited (CFU), Chase Sapphire Preferred (CSP), Chase Sapphire Reserve (CSR), Chase Ink Cash (Business), Chase Ink Unlimited (Business), Chase Ink Preferred (Business), and so on.
- 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 in case you shut the account, however you may forestall dropping your UR factors by shifting the factors to a different UR card beforehand.
- If in case you have Chase Sapphire Preferred (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Preferred (Business), UR factors might be transferred to some resort factors. Among the finest manner to make use of UR factors is to 1:1 switch to Hyatt factors. UR factors will also be transferred to some airline miles. Some of the widespread and greatest 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.
- If in case you have Chase Sapphire Reserve (CSR), you may redeem your UR factors for as much as 2.0 cents/level in the direction of air tickets or lodges on Chase Travel with the “Factors Increase” function; when you’ve got Chase Sapphire Preferred (CSP) or Chase Ink Preferred (Business), 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 may redeem your UR factors at a set charge 1 cent/level in the direction of money.
- In abstract, we estimate that UR factors are value about 1.6 cents/level.
- For extra details about UR factors, see Maximize the Credit Card Points Values (overview), and Introduction to UR: How to Earn and Introduction to UR: How to Use (very detailed).
Really helpful Software Time
- [5/24 Rule] If in case you have 5 or extra new accounts opened up to now 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 consists of all bank card accounts, not solely Chase accounts. See this post for particulars about easy methods to probably bypass this rule.
- [New] Chase launched a once-per-lifetime rule: The brand new cardmember bonus is probably not out there to you if (1) you at present have another private Sapphire playing cards open, (2) beforehand held this card, (3) or acquired a brand new cardmember bonus for this card. This rule changed the previous 48 month rule and similar household rule for the Sapphire playing cards.
- [New] Chase launched a pop up jail mechanism: They could contemplate the variety of playing cards you could have opened and closed, in addition to different components in figuring out your bonus eligibility.
- Don’t apply for greater than 2 Chase bank cards inside 30 days, it’s extremely doubtless that you’re going to get rejected.
- We advocate that you simply apply for this card after you could have had different Chase bank cards for no less than 3 months, or after you could have 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 large sign-up bonus of 100k factors + $500 is certainly value going for.
After the 2025 revamp, the annual payment for this card has risen to a whopping $795, successfully turning it right into a coupon guide. 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. Lots 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 Edit Resort Credit score has a really excessive quantity of $500, however The Edit has just a few lodges 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. Instead 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 charge 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. For those who don’t plan to carry it long-term, you can contemplate accumulating factors with different UR playing cards first, then apply for or improve to the CSR while you’re able to redeem, and downgrade the cardboard after redeeming.
Associated Credit score Playing cards
Really helpful 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 Unlimited (CFU).
- Chase Sapphire. In case you are not capable of 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 examine Chase software standing. That is an automatic phone line, and the data has the next meanings: Obtain resolution in 2 weeks means your software might be permitted; Obtain resolution in 7-10 days means your software might be rejected; Obtain resolution 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 in case you didn’t get approve instantly. Your private info can be acquired and they’ll then evaluation it. You seldom reply questions, as a substitute, simply benefit from the music and then you definitely get permitted or rejected, or additional info is required to be hand in to the department or faxed.
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Editorial disclosure: Opinions specific listed here 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, permitted or in any other case endorsed by any of the entities included inside the put up.
