From June 23, 2025, Chase Sapphire Reserve® It’s undergoing major improvements – and it’s coming at a higher cost. Additionally, Chase is launching a business card for Chase Sapphire Reserve for Buri as a premium luxury business travel card. Both cards have an annual fee of $795. This increases from $550 on your personal card. Each authorized user card on a personal card will cost an additional $195, but employee cards can be added to your business card without charge.
In exchange, both cards offer a ton of new credits and perks designed for luxurious travel and enhanced lifestyle experiences. Overall, cards offer one of the best ways to earn money Track the ultimate rewardwhich of Bank rate evaluation Place approximately 2.0 cents per point.
Let’s take a look at what’s changing with Sapphire Reserve and see what’s on the new business card.
Changes to Chase Sapphire Reserve Travel Benefits
Both versions of Sapphire Reserve share the same travel perks. Sapphire Reserve’s travel return rate has increased in some regions, but others have a little more restrictions and less flexibility. On June 23, 2025, Chase Sapphire Reserve’s return rate will be changed as follows:
- 8x points On all tracking tripssm Replace 5x points on purchases, flights and 10x points on hotels and car rentals booked with Chay Travel
- 4x points Replace 3x points on all other trips on direct booked flights and hotels
The cards also add the following benefits:
- $500 credit EditingChair Travel’s collection of over 1,000 carefully selected hotels and resorts ($250 per six months, minimum stay requirements apply)
- Free ihg One reward Platinum Elite Status Until December 31, 2027 (activation required)
New Point Boost Program
In addition to these changes, Chase is introducing a new point Redemption Accelerator program Point boost.
Point Boost Offer allows you to boost up to twice as many points on thousands of top hotels and flights through Chase Travel, using hand-selected airlines and hotels. If you are purchasing a Chair Travel purchase that is not eligible for the Point Boost offer, points can be redeemed at a 1:1 rate on Chair Travel (Replace previous 1.5x redemption bonuses on all Chase trip purchases).
New Sapphire Reserve Dining and Lifestyle Credit
As part of Chase’s efforts to provide a more premium experience, the personal edition of Sapphire Reserve will continue to earn three times more points on dining purchases and provide your next dining and lifestyle credits.
- $300 meal credit Primetime reservations at Sapphire Reserve Exclusive Tablein collaboration with Visa Dining Collection, you can reserve with Opentable ($150 per september)
- $250 annual amount Includes a free subscription to Apple TV+ and Apple Music (one-time activation required)
- $300 annual credit For StubHub and Viagogo credits for concert and event tickets ($150 per halt, activation required)
- 10x points Purchase of eligible peloton equipment and accessories by December 31, 2027 (activation required)
- Up to $120 Annual Statement Credit for Peloton Member Purchases by December 31, 2027 ($10 per month)
New Sapphire Reserves for Business Credit
Sapphire Reserve for Business also includes several business-centric perks and credits to provide business owners with over $1,200 per year value. This introduces business-related features that are unique to business cards.
New Expense Incentives
Both versions of the Sapphire Reserve now offer spending incentives. This can provide excellent value in return if it fits your plan (and if you can manage your spending). If you spend $75,000 on your personal card or business card in a calendar year, unlock the following benefits:
- IHG 1 reward Diamond Elite Status
- Southwest Airlines® A list status
- $500 Southwest Airlines Credit When booking with Chase Travel
- $250 credit (Personal Card) or $500 credit (Business Card) Chase Shop, new exclusive online shopping outlet with spinning promotion and the ability to pay using ultimate rewards
Something that hasn’t changed
Sapphire Reserve maintains many of its top perks and benefits. This remains the same on the card and can also be used on business cards.
- $300 annual travel credit
- $120 credit For global entries, TSA Precheck or Nexus application fees are accepted every four years.
- There are no changes Lounge access or guest privileges
- There are no changes To travel insurance benefits
- Lyft In-App Credits of $10 a month,plus 5x points Ride eligible Lyft until September 30, 2027
- $300 a year Monthly Durdass promotions and free dash pass membership worth $120 each year
Who should get these cards?
Chase Sapphire Reserve is ranked as one of us Top Travel Card It is also a notable option for those who need premium merit and protection while traveling. Even with higher annual fees, benefits and credits can offer more than $2,700 worth of value, and travel credits alone can also be provided. It can easily justify the costs of regular travelers.
Business owners with travel needs may discover that Chase Sapphire Reserve for their business is a potentially advantageous option, especially if they can leverage business-centric features and meet the high spending requirements with a welcome bonus.
learn more: How to redeem tracking points
Who should skip these cards?
Both cards are great options for advanced travel enthusiasts and business owners, but be aware that Chase has strict approval rules. Make sure you are eligible before applying for your card.
It has not been confirmed yet whether one or both cards are applicable. Chase’s “5/24 Rule”Chase has established a new “once” sign-up bonus rule for sapphire cards ( Chase SapphirePreferred® Cardsapphire aliserve and sapphire aliserve for business). This update will be replaced by the publisher’s previous 48 month lookback window. This means that if you have ever won a welcome bonus on any of these cards, you will not be able to qualify again.
Additionally, Chase lifts previous restrictions on holding multiple Sapphire products, but active holders on Sapphire cards are not eligible to earn welcome bonuses on these cards. For example, Active Sapphire preferred cardholders can apply for Sapphire Reserve and have both cards open at the same time, but they will not be able to win a welcome offer with the new Sapphire Reserve.
Conclusion
An increase in the annual fee for Chase Sapphire Reserve requires a significant jump in value, although it requires a significant amount of work to maximize. Business Card Launch reflects many features of personal cards, offering a solid slate of business credits and offering Chase quality premium business travel card options.
Current Sapphire Reserve Cardholders should look into the new features of the card to see if the card will make sense in the long term. If you’re in the market for any of these cards, take advantage of a number of features and make sure you can meet your spending requirements and earn a welcome bonus.
