🚨🚨 LIMITED TIME HIGHEST EVER OFFER! The 2026 ONLY credits make this offer extraaaa juicy! Scroll below for the custom value calculator I built for you, so you can decide if math maths for YOUR family.

***ALSO- remember you can now hold both the Chase Sapphire Reserve® AND Chase Sapphire Preferred® Card!

***Thank you so very much for using my links if you DO decide to apply for a new card!!

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What’s the offer?

Earn 150,000 bonus points after spending $6,000 in the first 3 months from account opening! Chase points have been getting harder to earn, so THIS many points from one application is WOW.

The elephant in the room…. steep annual fee ($795) BUT a long slew of credits that give you over $3,000 in annual value

(👉🏼 an interactive calculator to see if it makes sense for YOUR family below!)

However, the Chase Sapphire Reserve® is definitely worth a sign up (for the first year at least), ESPECIALLY if you can snag it in 2026 with some of the this year ONLY credits (more on that below!)

💳 Learn how to apply for the Chase Sapphire Reserve® HERE!

Who is eligible?

• Anyone with a strong credit score!

• Anyone who has NOT previously earned the welcome offer for the Reserve specifically

• NEW RULE! Now even if you have earned the bonus on the Chase Sapphire Preferred® Card, you can ALSO now earn the bonus on the Reserve

The New Chase Sapphire Reserve® Credits!

Honestly, a very high annual fee ($795) BUT a laundry list of credits that could bring you $3,000 in value. Let’s dive into the nitty gritty. Again, worth it for year 1 at the very least.

This year ONLY (2026) credits

• 🚨 One-time ADDITIONAL $250 hotel credit on select hotels. Useable for 2+ night stays booked via Chase Travel
  • IHG Hotels & Resorts
  • Minor Hotels
  • Montage Hotels & Resorts
  • Omni Hotels & Resorts
  • Pan Pacific Hotels and Resorts
  • Pendry Hotels & Resorts
  • Virgin Hotels

• If you can find a property that is one of the brand above AND an Edit property- there is some serious stacking savings potential here! (This map is such a helpful tool to narrow that down!)

• We were able to FULLY maximize all 3 hotel credits the Reserve offers on one super discounted luxe beach resort stay. See the full breakdown how to do this HERE!

Credits I think that are ACTUALLY valuable (and realistically useable)

• 8x points on all Chase Travel℠ portal purchases 
• 4x points on flights and hotels booked directly 

• $300 annual travel credit (no travel portal necessary- love this!)
• Global Entry or TSA PreCheck® credit (Up to $120 every 4 years)
• Access to Chase Sapphire Lounges, Priority Pass Select, and some Air Canada lounges (+ 2 guests!)
• Same built in very robust travel and rental car insurance
• $300 annual dining credit ($150 bi-annually) at Sapphire Reserve Exclusive Tables, available for booking on OpenTable (if you live in a city that has these, could be really valuable)

Additional Chase Sapphire Reserve® credits

• $500 annual hotel credit at The Edit by Chase Travel (a new collection of hotels and resorts)
  • $250 bi-annually (I do hate when they break it up like this!): These properties are PRICEY, but this could give you some noteable savings with a bit of strategy
• Points Boost: Redeem points for up to 2x value on premium travel in the Chase Travel portal. Note: This replaces the current 1.5x value on all Chase Travel purchases for Sapphire Reserve cardholders.
  • Data points are showing some actually really fantastic points value with some properties on Points Boost. I am considering keeping my Reserve long term for the ability to have access to Points Boost alone!
• IHG One Rewards Platinum Elite status
  • If you stay at IHG's often enough, you probably have an IHG card that already gives you status (AND a 4th night free!) right?!?
• $300 in DoorDash promos + DashPass membership
  • We DO save a lot of money with our DashPass Membership, however they do break it up in "$10 off two orders per month on DoorDash non-restaurant orders + $5 restaurant credit"
• $120 in annual Lyft credits ($10 monthly)
  • Useful if you use Lyft monthly or travel very reguarily!
• $300 annual StubHub and Viagogo credit ($150 bi-annually)on concert and event tickets
  • Only valuable for a small sect of families that are purchasing tickets REGULARLY
• $120 in annual statement credits toward Peloton memberships
  • If you are an avid Peloton user, this could really take that annual fee down a chunk!
• $250 annual value through complimentary subscriptions to Apple TV+ and Apple Music
  • This feels vague and I am not certain on if it is broken up monthly etc- we do love Apple TV+ though!

What are Chase points worth?

I can NEVER earn enough Chase points, and am always chasing opportunities to keep our stash of these golden points FLUSH.

In THIS POST, I go over tonssss of dreamy, family friendly (but actually realistic) ways to get the most travel out of 100k Chase points.

Spoiler alert: if you learn how to maximize these points you could easily get $3,000+ worth of value out of those Chase points, at a minimum!

My Strategy for Premium Cards

Again, almost ALWAYS a credit card is worth the annual fee (no matter how high) that first year, because of that hefty welcome bonus of points you can earn.

• Chase Sapphire Reserve® EXAMPLE: With the $300 annual travel credit, you’ve already significantly knocked that fee down
• If you leverage some of the easier to use credits year 1 (Reserve Table dining, DoorDash, Lyft, etc), now you are potentially even MAKING money
• And if you can redeem that HUGE welcome bonus for easily $3,000 worth of travel. I'd say that WELL worth a sign up right?!

I do have certain cards I keep in my wallet long term with larger annual fees: like the Hilton Aspire Card or the Capital One Venture X Rewards Credit Card. Based on our families spending, travel, and priorities the credits on these cards EASILY provide more value than the annual fee - or at worst it's a break even.

After a year, thennnn I do a hard reassessment to see if these fancy cards are just shiny or really put more value and travel in my family's pocket long term then they cost us.

So year 1 is always an easy choice- especially if it will earn me a HUGE stash of our favorite points!!

💳 Learn how to apply for the Chase Sapphire Reserve® HERE!

***Again, thank you for using my links whenever you decide to open a new card!