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Upcoming changes to Chase Sapphire Reserve card $795
June 17, 2025 at
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Last Edited by addtd2sd June 17, 2025 at 01:32 PM$795.00
$795.00
Chase Sapphire Reserve card benefits are changing and the annual price is going up by $250. it's more expensive than Amex Platinum now with not many perks/differentiator. more coupon book style for a "premium travel card".
You can see the full list of benefits here:
https://account.chase.com/sapphire/reserve/benefits
Note: Existing members won't receive these benefits until October 25, 2025. [chase.com]
no more 1.5x points redemption across travel. it's limited to certain premium hotels and premium cabins (their ad shows Singapore airlines).
Doordash credits are showing up as $300 but it's rather silly. it's $5/mo for restarurant orders and 2x$10/mo credit for grocery orders. they rounded it up and called it $25/mo.
$250 semi-annual credits to their Edit hotel collection for a total of $500.
$300 annual credits to StubHub
Apple TV and Music are covered.
$300 travel credit is still included.
up to $300 Chase dining credit
IGH platinum status
Below are some additional changes (i may have mentioned this above already)
Points
8x points for Chase Travel
4x points for booking directly on Hotels/Airlines website
2x points redemption rate for selected "top-booked hotels" and premium cabin tickets
Dining
3x points for dining - same as now.
$300 in statement credits when you dine with Sapphire Reserve Exclusive Tables
If you spent $75k+ annually, you'll receive:
IGH Diamond Platinum status
$250 Shops at Chase crerdit
$500 Southwest credit
Southwest A-List status
You can see the full list of benefits here:
https://account.chase.com/sapphire/reserve/benefits
Note: Existing members won't receive these benefits until October 25, 2025. [chase.com]
no more 1.5x points redemption across travel. it's limited to certain premium hotels and premium cabins (their ad shows Singapore airlines).
Doordash credits are showing up as $300 but it's rather silly. it's $5/mo for restarurant orders and 2x$10/mo credit for grocery orders. they rounded it up and called it $25/mo.
$250 semi-annual credits to their Edit hotel collection for a total of $500.
$300 annual credits to StubHub
Apple TV and Music are covered.
$300 travel credit is still included.
up to $300 Chase dining credit
IGH platinum status
Below are some additional changes (i may have mentioned this above already)
Points
8x points for Chase Travel
4x points for booking directly on Hotels/Airlines website
2x points redemption rate for selected "top-booked hotels" and premium cabin tickets
Dining
3x points for dining - same as now.
$300 in statement credits when you dine with Sapphire Reserve Exclusive Tables
If you spent $75k+ annually, you'll receive:
IGH Diamond Platinum status
$250 Shops at Chase crerdit
$500 Southwest credit
Southwest A-List status
About the OP
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Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser.
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18 Comments
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Had this, but got rid of it years ago. Then had an AMEX platinum, which I only found worth it for 1 year based on sign up offer, and now I'm back to more basic cards with no fee and 2% cash back.
Had this, but got rid of it years ago. Then had an AMEX platinum, which I only found worth it for 1 year based on sign up offer, and now I'm back to more basic cards with no fee and 2% cash back.
What's the best travel card now for lounges? We just got a Sapphire club in my hometown but since this fee increase, I'm not sure it's worth it.
You must have a paid UR point card to do that--- for years CSR was easily the smart one to have, since the annual fee, minus the $300 travel credit good on anything, was only $155 more than the CSP, but for that $155 you got various memberships and credits for instacart, doordash, lyft, etc-- plus priority pass- so it was pretty trivial to get more than $155 extra value out of it.
Now they're doubling down on the Amex route and jacking the annual fee, while adding a bunch of credits that are harder to use (the semi-annual stuff, restricting the channels you can use the new credits, etc) so it's a more YMMV proposition--- If you're someone who already is paying for Apple TV/Music for example, plus you use at least one or two of the other "new" credits, it's still probably break even or profitable compared to your other options to keep points transferable. Also there's the Sapphire lounge access that I discuss more below and might add measurably value for a given person--- But if not you're probably better off dropping down to the CSP for the point transfer aspect.
Depends how you define "best"
For Priority pass lounges it's still the Citi Prestige card since it still offers PP restaurant credits on top of lounge access- but it's been closed to new members for a while.... After that for PP access... Cap One Venture X used to be good in that it was basically free after its travel credit and annual point bonus.... but now the credit is only good on their own travel site and they are dropping free guests so it's gone from one of the best to one of the worst....
So for PP it'll depend on where you can make the annual fee worth it... I already mentioned that might keep CSR as "the" card for some if they can use the credits.... Amex Plat is (to my anyway) harder to make the AF worthwhile with its coupon book but might be easier for someone else.... The Marriott Brilliant might be the best choice if you're someone who can get a lot of value out of the annual 85k free hotel room, etc...
For non-PP purposes that's much more YMMV.
Only Amex gets you into centurion lounges for example--- but how much that matters depends on the airports you tend to use.
The Sapphire lounges- there's not many yet but the couple I've been to are very nice (the LGA one for example is definitely nicer than the Centurion one next door)-- but you only get unlimited access if you hold a CSR... if your HOME airport has one, and you fly often, I'd probably consider that a substantial benefit unless there's some other really nice lounge at the airport you'd otherwise have access to.... IIRC Priority Pass gets you one free annual visit at a chase lounge and then it's $75 each time.
Cap One has a few lounges of their own too, but given how crappy they made the Venture X lately I wouldn't bother.
I scanned but didn't see it -- do these new rules go into effect in October for existing members? I.e., if we use points now, do we still get the 1.5x value?
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I scanned but didn't see it -- do these new rules go into effect in October for existing members? I.e., if we use points now, do we still get the 1.5x value?
Most of the benefits we use are staying ($300 travel credit, travel protections, lounge access, and global entry) and the ones they're adding would more than offset the annual fee:
We currently pay for Apple TV+ so now that will be free with $250 annual credit (and we can now play around with Apple Music).
We'd get the full $120 value from $10/month Peloton membership reimbursement as we already pay for this out of pocket.
The $120 in Dashpass membership is a nice benefit since we do use Doordash for groceries mostly (we try to support restaurants directly)
We use Lyft not Uber (we boycott Uber, you can Google why people are doing this) so will use a good chunk of the $10/month in Lyft reimbursement.
We'd also probably use most or all of the new $300 Chase Dining exclusive tables via Open Table (we've already used this twice to get prime time reservations on a busy night, it's a very handy perk if you dine out).
We may or may not use all of the new $300 towards StubHub but i think I'd make sure we use it at least once a year for a show.
I'm not sure about using The Edit hotels $500 credits yet, we'd need to look more into that.
The decreased earn values are mostly stuff booked through Chase travel portal which we don't use because that's not the best way to get value from the card...by far the best way is to transfer points to an airline to book flights, especially in business class. We get easily 4-5 cents/point value this way (just booked 2 round trip business class seats to Asia worth $17,000 after transferring 300k Chase points, getting 5.6 cents/point. Using the Chase travel portal for only 1.5 cents/point is not a good use of points for travel...not to mention that managing the travel after the fact through Chase is a pain.
The only decrease in travel earning would be any current 3x we earn on random non-hotel or airfare "travel" categories like subways, Airbnb, etc which we don't spend much on as it's always best practice to book directly with hotels and airlines, and in general Airbnb is only worth it for groups because of their exorbitant fees and lack of customer support and travel guidance/help, so we rarely use it. And in those cases of booking directly the earn rate is going UP to 4x.
Regular dining 3x and Lyft 5x earn rates which we use all the time stay the same.
So overall I'm not mad at it and think we'll get plenty of value that more than offsets the fee increase. Yes it's annoying to have to manage some of these benefits and remember to use them but this is our only major rewards card (besides the Freedom which we only use for quarterly categories), so it'll be doable to manage.
Most of the benefits we use are staying ($300 travel credit, travel protections, lounge access, and global entry) and the ones they're adding would more than offset the annual fee:
We currently pay for Apple TV+ so now that will be free with $250 annual credit (and we can now play around with Apple Music).
We'd get the full $120 value from $10/month Peloton membership reimbursement as we already pay for this out of pocket.
The $120 in Dashpass membership is a nice benefit since we do use Doordash for groceries mostly (we try to support restaurants directly)
We use Lyft not Uber (we boycott Uber, you can Google why people are doing this) so will use a good chunk of the $10/month in Lyft reimbursement.
We'd also probably use most or all of the new $300 Chase Dining exclusive tables via Open Table (we've already used this twice to get prime time reservations on a busy night, it's a very handy perk if you dine out).
We may or may not use all of the new $300 towards StubHub but i think I'd make sure we use it at least once a year for a show.
I'm not sure about using The Edit hotels $500 credits yet, we'd need to look more into that.
The decreased earn values are mostly stuff booked through Chase travel portal which we don't use because that's not the best way to get value from the card...by far the best way is to transfer points to an airline to book flights, especially in business class. We get easily 4-5 cents/point value this way (just booked 2 round trip business class seats to Asia worth $17,000 after transferring 300k Chase points, getting 5.6 cents/point. Using the Chase travel portal for only 1.5 cents/point is not a good use of points for travel...not to mention that managing the travel after the fact through Chase is a pain.
The only decrease in travel earning would be any current 3x we earn on random non-hotel or airfare "travel" categories like subways, Airbnb, etc which we don't spend much on as it's always best practice to book directly with hotels and airlines, and in general Airbnb is only worth it for groups because of their exorbitant fees and lack of customer support and travel guidance/help, so we rarely use it. And in those cases of booking directly the earn rate is going UP to 4x.
Regular dining 3x and Lyft 5x earn rates which we use all the time stay the same.
So overall I'm not mad at it and think we'll get plenty of value that more than offsets the fee increase. Yes it's annoying to have to manage some of these benefits and remember to use them but this is our only major rewards card (besides the Freedom which we only use for quarterly categories), so it'll be doable to manage.
Dining, StubHub are semi interesting. Doordash, Lyft are worthless to me. i guess i would have to start a spreadsheet to make sure i get value otherwise i'll just cancel this card.
Had this, but got rid of it years ago. Then had an AMEX platinum, which I only found worth it for 1 year based on sign up offer, and now I'm back to more basic cards with no fee and 2% cash back.
I'm just curious since when I'm going somewhere, I try to get to the airport as late as possible, and when I get home, I'm obviously just...going home. I realize that if you're stuck somewhere on a 4 hour layover and they happen to have a lounge you can access, that would be amazing. But no lounge is nice enough as far as I know that I'm going to spend extra hours at an airport if I don't have to.
I'm just curious since when I'm going somewhere, I try to get to the airport as late as possible, and when I get home, I'm obviously just...going home. I realize that if you're stuck somewhere on a 4 hour layover and they happen to have a lounge you can access, that would be amazing. But no lounge is nice enough as far as I know that I'm going to spend extra hours at an airport if I don't have to.
Generally if your home airport is one that has a high end (non PP) lounge then it's a major, very busy, airport where you want to get there early enough you're gonna have at least an hour (or more) in a lounge unless you want to BANK on security lines being short (and precheck being open- neither of which is true 100% of the time)--- and that's BEFORE you consider the very flight delays you mention, which again are more likely at those very busy airport that have the centurion or chase or cap 1 lounges.
So it's pretty likely if you fly often you'll get a fair # of uses out of that lounge access.
That said, I suppose if had a designation airport you visit often you could lump that in with the "home airport" idea and apply the same valuation, like you fly monthly into/back out of LGA or something even if your home airport has 2 gates and no lounges.
All of which was to contrast that with someone whose own home airport has no such high end lounges, and whose only value in having access to Centurion or Chase lounges might be IF they just HAPPEN to have a layover adjacent to one on some random trip any given year--- where that lounge access would have much lower value.
Why would you accept a terrible cash back rate of 1.5%? Numerous cards offer 2%, and there's a few options (which require a bit more effort) to get 2.5 or 2.625% cash back on everything.... (and plenty of free options to get 4-5% cash back on specific, common, spending categories)
THAT said- if you travel much, cashback is a loser period versus things like Chase UR points or Amex MR points where your cash-equivalent rate is higher than 1.5-2% anyway for hotels or most flights, esp using category cards- (and MUCH higher for premium ones).