Chase Sapphire Reserve Guide
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Chase Sapphire Reserve
100K Points + $3,000 in Immediate Benefits 💳
Earn 100,000 bonus points after spending $6,000 in the first 3 months. Worth $1,500+ in travel, or much more when transferred to partners. The card also gives you $3,000 in annual benefits that reset every year. Here’s how to use every dollar.
The Welcome Offer 🎯
• 100,000 bonus points after $6,000 spend in first 3 months
• PUBLIC offer — no branch visit required
• Annual fee: $795 | Authorized users: $195 each
• 2026: Hold both Sapphire Preferred AND Sapphire Reserve and earn welcome bonuses on each!
Your $3,000 in Immediate Annual Value:
• $300 Travel Credit — auto-applied to any travel purchase
• $500 The Edit Hotel Credit — $250 per stay, 2-night minimum
• $250 Hotel Credit For Select Hotels (IHG, Omni, Montage and more) - can be stacked with $250 Edit Credit and $300 Travel - 2026 only!
• $300 Dining Credit via Exclusive Tables ($150 semi-annually)
• $300 StubHub Credit ($150 semi-annually, through 12/31/27)
• $120 Lyft Credit — $10/month through September 2027
• $120 Peloton Credit — $10/month
• $288/year Apple TV+ & Apple Music
• Priority Pass + Chase Sapphire Lounge access
• $120 Global Entry/TSA PreCheck every 4 years
• FREE DashPass + DoorDash credits through 12/31/27
⚠️ Pro Tip: Most credits are split semi-annually or paid monthly. Set calendar reminders so you never leave money on the table!
How to Earn Points 💳
Earning Rates on Every Purchase:
• 8x on all Chase Travel (flights, hotels, cars — including The Edit)
• 4x on flights & hotels booked directly with airlines and hotels
• 3x on dining worldwide
• 5x on Lyft rides through September 2027
• 1x on all other purchases
🔑 PAZE: Earn Up to 15x Points (May–December 2026)
Paze is a digital wallet backed by Chase. Use Paze at checkout through December 31, 2026 and earn an EXTRA 10x bonus points. Here's how the stacks work:
• Dining: 3x (base) + 10x (Paze) = 13x per dollar
• Lyft: 5x (base) + 10x (Paze) = 15x per dollar
• StubHub: 1x (base) + 10x (Paze) = 11x per dollar
Cap: $1,500/month = up to 15,000 bonus points/month
💡 Paze works at StubHub — stack 11x ON TOP of your $150 credit!
🎟️ Rakuten + StubHub: The Triple Stack
Your CSR gives you $300/year in free StubHub credit ($150 every 6 months).
Here’s how to triple-stack it:
Step 1: Go to Rakuten.com, search “StubHub” (cashback rate changes — verify before shopping)
Step 2: Click “Shop Now” — you land directly on StubHub
Step 3: Buy tickets and pay with your Chase Sapphire Reserve
Step 4: Chase automatically reimburses your $150 credit — no action needed
Step 5: Rakuten STILL pays out your cashback even though Chase covered the cost
Then add Paze at checkout for 11x points on the full purchase. Three wins at once.
💡 Rakuten cashback: take it as cash or convert to Amex Membership Rewards at 1:1.
Transfer Partners ✈️
Your 100K Ultimate Rewards points transfer 1:1 to top programs:
• World of Hyatt — best value for luxury hotel stays
• United Airlines MileagePlus & Southwest Rapid Rewards
• Air Canada Aeroplan & Singapore Airlines KrisFlyer
• British Airways Avios, Iberia Plus, Air France/KLM Flying Blue
• And many more partners
Travel Protections Included
• Trip Delay: 6+ hour delays — meals & lodging up to $500/ticket
• Trip Cancellation: Up to $10,000/person, $20,000/trip
• Primary Rental Car CDW: Up to $75,000
• Lost Luggage: Up to $3,000/passenger
• Purchase Protection: 120 days, up to $10,000/claim
Chase Sapphire Reserve® -
100,000 Bonus Points
Up to 100,000 bonus points after spending $6,000 in the first 3 months from account opening. Best public offer available now.
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Subject to Chase’s 5/24 rule. All offers verified as of June 2026 and subject to change. If you're approved through my link, I earn a commission at no cost to you.
