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2026.7 Replace: The 100k provide will finish at 3 PM EST on 7/30/2026.
2026.6 Replace: The brand new provide is 100k! Additionally, Chase introduced the next adjustments ranging from Jun 15:
- UR->Hyatt Transfer Ratio Will Soon Be Cut To 4:3 with Chase Sapphire Preferred (CSP) and Chase Ink Preferred (CIP)!
- The ten% anniversary bonus profit will likely be discontinued.
- The quantity for the Annual Lodge Credit score profit will likely be elevated from $50 to $100.
- New bonus classes: Earn 3x UR factors on fuel and EV charging, trip properties at prime manufacturers together with Airbnb, Vrbo and extra;
- Credit score for International Entry, TSA PreCheck, or NEXUS each 4 years.
- A one time profit for 2026: Complimentary Apple TV subscription for one 12 months when activated by December 31, 2026 – a price of $156. Phrases apply.
The largest piece of dangerous information is that Hyatt transfers are not 1:1. This problem could be labored round by upgrading to the CSR by way of product change. The lodge credit score growing to $100 may be very good, as this credit score can principally offset the annual charge.
2025.6 Replace: The brand new provide is 75k. On the identical time, there are 2 necessary adjustments: the “Factors Enhance” profit is launched to exchange the outdated 1.25 cpp mounted redemption price; and the Chase pop up jail mechanism is launched for welcome provide eligibility to exchange the outdated 48 month rule + identical household rule.
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Advantages
- 100k provide: earn 100,000 Final Rewards (UR) factors after spending $5,000 within the first 3 months. That is the most effective ever provide on this card!
- We estimate that Final Rewards (UR) factors are price about 1.6 cents/level, see beneath for a short introduction. So the 100k highest welcome provide is price about $1,600!
- You probably have this card, you possibly can switch your UR factors to companion airways miles and lodge factors.
- Incomes construction:
- Earn 5x UR factors on journey booked by Chase TravelSM;
- Earn 3x UR factors on eating, choose streaming providers, and on-line grocery (excluding Goal, Walmart and wholesale golf equipment);
- [New] Earn 3x UR factors on fuel and EV charging;
- [New] Earn 3x UR factors on trip properties at prime manufacturers together with Airbnb, Vrbo and extra;
- Earn 2x UR factors on different journey purchases (Chase is understood to be fairly versatile with their definition of journey and consists of retailers reminiscent of Uber and a few public transportation);
- Earn 1x UR level per greenback spent on all different purchases.
- [New] As much as $100 Annual Lodge Credit score per cardmember 12 months. Should be booked by Chase Travel. New cardmember can use this credit score now. Present cardmembers ought to be capable of use it after their card anniversary.
10% anniversary bonus factors per 12 months. After card anniversary, you can be given 10% bonus factors based mostly on the entire spend in your Sapphire Most popular card within the earlier 12 months. For instance, when you spend $30k in whole, you’ll get 3k bonus factors.[Update] This profit is discontinued since Jun 15, 2026.- “Factors Enhance”: you possibly can redeem your UR factors on Chase Travel, with worth as much as 1.5 cents/level for some flights and motels (as much as 1.75 cpp for premium cabin). (The default worth is 1.0 cent/level.) This function changed the outdated 1.25 cents/level mounted worth redemption function. Nevertheless, with CSR, the redemption price is as much as 2.0 cents/level, due to this fact it’s extra advisable to make use of CSR to redeem UR factors on this method.
- Main automotive rental insurance coverage.
- [New] Credit score for International Entry, TSA PreCheck, or NEXUS each 4 years.
- No overseas transaction charge.
- Refer a friend: You possibly can earn 15,000 bonus UR factors for each authorized account you refer, as much as a most of 75,000 UR factors per calendar 12 months.
Disadvantages
- Annual charge $95, NOT waived for the primary 12 months.
Introduction to UR Factors
- You possibly can 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 many others.
- You possibly can 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 possibly can stop dropping your UR factors by transferring the factors to a different UR card beforehand.
- You probably have Chase Sapphire Preferred (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Preferred (Business), UR factors could be transferred to some lodge factors. Among the best methods to make use of UR factors is to 1:1 switch to Hyatt factors. UR factors will also be transferred to some airline miles. One of the crucial widespread and greatest methods 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.
- You probably have Chase Sapphire Reserve (CSR), you possibly can redeem your UR factors for as much as 2.0 cents/level in direction of air tickets or motels on Chase Travel with the “Factors Enhance” function; you probably have 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).
- You probably have any of the UR playing cards, you possibly can redeem your UR factors at a set price 1 cent/level in 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 Card Points Values (overview), and Introduction to UR: How to Earn and Introduction to UR: How to Use (very detailed).
Advisable Software Time
- [5/24 Rule] You probably have 5 or extra new accounts opened previously 24 months, Chase is not going to approve your software, 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 post for particulars about tips on how to presumably bypass this rule.
- [New] Chase launched a once-per-lifetime rule: The brand new cardmember bonus will not be obtainable to you if (1) you at the moment have some 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.
- [New] Chase launched a pop up jail mechanism: They might contemplate the variety of playing cards you have got 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 probably that you’ll get rejected.
- We advocate that you just apply for this card after you have got had different Chase bank cards for at the very least 3 months, or after you have got had a credit score historical past for greater than a 12 months.
Abstract
This card’s welcome provide may be very excessive, making it a must-apply card. After the revamps in August 2021 and June 2026, it added a $100 lodge credit score, improved its incomes construction, and stored the annual charge unchanged, making the cardboard far more enticing for long-term holding. In case you are fascinated with Chase’s Final Rewards (UR) factors ecosystem, then as a way to switch UR factors to companions and maximize their worth, both the CSP or CSR is a necessary card within the UR household. Between the CSP and CSR, given the CSP’s decrease annual charge, the CSP might be the higher selection for most individuals; nevertheless, if Hyatt is your principal switch goal, then the CSP will not meet your wants.
Associated Credit score Playing cards
Advisable Downgrade Choices
- Chase Freedom. Even when you have already got a Freedom, you’re nonetheless in a position to downgrade your CSP to have a second Freedom.
- Chase Freedom Unlimited (CFU).
- Chase Sapphire. In case you are not in a position to 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 software standing. That is an automatic phone line, and the data has the next meanings: Obtain choice in 2 weeks means your software might be authorized; Obtain choice in 7-10 days means your software might be rejected; Obtain choice in 30 days merely means your software requires additional overview and there’s nothing to inform you for now.
Historic Provides Chart
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Editorial disclosure: Opinions expressed listed below 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 submit.
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