Latest news with #ChaseSapphireReserve®
Forbes
a day ago
- Business
- Forbes
Shoot Your Shot: The Chase Sapphire Reserve's 100K Bonus Is Ending Soon
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. The revamped Chase Sapphire Reserve® made a splash when it recently announced a slew of changes that included everything from its annual fee to its rewards rates and card perks. And these changes came with a flashy welcome offer of 100,000 bonus points, plus a $500 Chase Travel℠ promo credit after spending $5,000 on purchases in the first three months from account opening. The carrot the issuer is dangling for potential new cardholders is its best offer yet, worth even more than when the card first launched in 2016 with its then-unheard-of 100,000 Chase Ultimate Rewards® points bonus. But the offer is ending soon. Chase has not yet announced what the new offer will be when the current one ends. But if history is any indication, it's likely to be in the 60,000- to 80,000-point range. Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening. Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed. What Can 100K Ultimate Rewards Points Get You? Chase Ultimate Rewards®, which is what the Sapphire Reserve and several other Chase credit cards earn, are coveted for their flexibility. You can redeem them for cash back or gift cards at a penny per point, but travel rewards enthusiasts prefer the increased value found by using the rewards for travel. With the new Points Boost program from Chase, you can redeem your rewards through Chase Travel℠ at a value of anywhere from 1 cent to 2 cents per point. Hotels booked through Chase's The Edit collection are worth 2 cents per point, while select premium airfare and other hotels will be worth up to 2 cents per point. With the 100,000 points earned from the bonus offer, plus a little extra you'll earn from meeting the bonus's minimum spending requirement, here are two examples of great deals you could book through Chase Travel. Photo Credit: Chase During your stay at the famed 'Pink Palace,' learn the art of lei-making, hula-dancing or just master the art of resting your eyes. As part of The Edit collection, you'll get daily breakfast for two and a $100 property credit, plus your stay will count as two nights with Marriott Bonvoy. Photo Credit: Chase In addition to foliage viewing, you can play a round at the resort's 18-hole golf course, go ziplining or ride the gondola to the summit of the mountain. You can also transfer your rewards to any of Chase's hotel and airline travel transfer partners, which could also yield better values for your rewards. Here are some examples of what the current big bonus could get you by transferring your rewards: Photo Credit: United Visit the Belém Tower, a UNESCO World Heritage Site, and then relax as the sun sets with a glass of the country's famed Port wine. Photo Credit: Hilton See the famed Panama Canal, an engineering marvel and key commercial shipping route, and enjoy the city's notable gastronomy. Is the Sapphire Reserve Worth Keeping for the Long Term? For the right cardholder, the changes to the Sapphire Reserve can be well worth its increased $795 annual fee. As part of the changes to the card, a whole new slew of credits and potential perks have been added. Cardholder benefits now include: A flexible $300 annual travel credit (carried over from the previous version of the card). A $500 credit for prepaid stays with hotels in The Edit collection. Get up to $250 in statement credits from January through June and again from July through December with a two-night minimum required. A Priority Pass Select membership, which grants access to Priority Pass airport lounges worldwide with up to two guests, including every Chase Sapphire Lounge by The Club. $300 in annual dining credits ($150 from January through June and another $150 from July through December) for restaurants that are part of the Sapphire Reserve Exclusive Tables collection. $250 in complimentary Apple TV+ and Apple Music subscriptions. $300 in annual StubHub credits ($150 from January through June and another $150 from July through December). The card can also pay off big for anyone who spends heavily on flights and hotels since it now earns 8 points per dollar on all purchases through Chase Travel℠, including The Edit℠, 4 points per dollar on flights and hotels booked direct, 3 points per dollar on dining worldwide and 1 point per dollar spent on all other purchases. How To Get the Chase Sapphire Reserve Applying for the Chase Sapphire Reserve is simple and can be done online or in a branch. If you already have an account with Chase, you can log in to have some of your information prefilled. Be aware that as a premium luxury card, the Sapphire Reserve is meant for those with excellent credit . FICO typically defines excellent credit as having a FICO Score of 740 or higher. However, there is no one exact credit score that will guarantee you'll be approved for a specific card, as issuers look at a range of financial factors, including your income and current debts. Chase also has some welcome bonus rules worth noting. If you've ever owned a Sapphire Reserve card in the past, you won't be eligible to earn the big bonus on this version of the Sapphire Reserve Card. You also may not be eligible if you currently hold a Chase Sapphire Preferred® Card or if Chase feels that you have opened too many cards recently. If any of these are the case, you may get a pop-up during the application process saying you aren't eligible for the welcome bonus and why. Photo Credit: Chase Unfortunately, choosing not to continue will still result in a hard credit inquiry on your report. This is notably different from how American Express allows you to exit the application process without harming your credit if you learn you are not eligible for a welcome bonus. Find the best travel credit card for your travel needs. A welcome offer like this doesn't come around often. If you're eligible to earn it and can make the most out of the Sapphire Reserve's benefits and potential credits, get it before this best-ever bonus is gone.
Forbes
3 days ago
- Forbes
Travel For Mental Wellness: Top Credit Cards To Make Your Next Vacation More Affordable
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. Picture yourself lounging on a crystal-clear beach, wearing sunglasses, sipping a cold margarita and soaking up the sun. For many, a getaway from home isn't just a change of scenery—it clears their minds. A recent survey from Talker Research found that about 67% of Americans feel mentally better after traveling. Whether it's a quick weekend trip or flying across the globe for an adventure, more people now use travel as a way to handle stress and recharge from their nine-to-five realities. But travel is pricey, especially with inflation driving up the cost of flights and hotels. Luckily, the right travel credit card can help offset the cost and make planning your next trip easier on your budget. The emotional benefits of travel include improved mood, sharper focus and a more positive outlook after taking time away. Many mental health experts view travel as a powerful form of self-care, especially when you're intentional about it. Whether you're discovering a new city or unwinding somewhere familiar, breaking out of your routine can ease that stuck, overwhelmed feeling. Being in a new environment naturally pulls you into the moment, which can quiet the overthinking that often fuels stress and anxiety. Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening. Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed. Of course, travel costs can be a significant barrier, even if you're planning a short trip. That's where credit cards can come to the rescue. The best travel credit cards earn you points or miles while offering perks and protections that reduce stress before, during and after your trip. Many travel credit cards offer welcome bonuses and ongoing reward points for everyday spending. For example, the Chase Sapphire Reserve® offers 100,000 bonus points, plus a $500 Chase Travel℠ promo credit after spending $5,000 on purchases in the first three months from account opening. It also earns elevated rewards on travel and dining, including 8 points per dollar on all purchases through Chase Travel℠, including The Edit℠, 4 points per dollar on flights and hotels booked direct, 3 points per dollar on dining worldwide and 1 point per dollar spent on all other purchases. If you use the Chase Sapphire Reserve® for everyday purchases, you can accumulate points over time, and potentially earn that welcome bonus just by spending as you normally would. When you redeem points for travel through Chase, Ultimate Rewards® points from your Chase Sapphire Reserve are worth 1.5 cents each. That means the welcome bonus—along with the points you earn while meeting the spending requirement—can deliver over $1,000 in value. The Chase Sapphire Reserve® offers standout perks, but it comes with a whopping $795 annual fee. If that fee is too overwhelming, there are other options, like the $95-annual fee Citi Strata Premier® Card . It offers a generous welcome bonus of 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening. It also includes a $100 annual hotel credit on hotel stays of $500 or more, excluding taxes and fees when booked via and you'll earn 10 points per dollar spent on hotels, car rentals and attractions booked on 3 points per dollar on restaurants, supermarkets, gas & EV stations, air travel and other hotel purchases and 1 point per dollar on all other purchases. Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed. A trip does more than give you a break—it boosts your mental wellbeing and leaves you feeling recharged long after you return home. While travel isn't always cheap, it doesn't have to feel out of reach. The right travel credit cards can help you earn rewards, unlock valuable credits and perks and provide protections and insurance that make your next trip easier on your wallet and your mind.
Forbes
29-07-2025
- Business
- Forbes
Citi Strata Elite Card Review 2025
Compared to the Chase Sapphire Reserve® , the Citi Strata Elite℠ Card feels narrower in focus. The Sapphire Reserve offers a flexible rate of 8 points per dollar on all purchases through Chase Travel℠, including The Edit℠, 4 points per dollar on flights and hotels booked direct, 3 points per dollar on dining worldwide and 1 point per dollar spent on all other purchases. There are no time restrictions to earn rewards and the card also offers a broadly usable $300 travel credit. The Strata Elite card leans heavily on bookings through its portal with high multipliers on select travel categories, but this restricts flexibility and value. The weekend-only dining bonus is also more limited. Overall, the Strata Elite suits Citi loyalists or weekend diners but falls short of the broad premium perks that make the Sapphire Reserve a top travel card. Citi Strata Elite℠ Card vs. Capital One Venture X Rewards Credit Card The Capital One Venture X Rewards Credit Card stands out for its simplicity and flat-rate rewards. With a base earnings rate of 2X miles, lounge access with enrollment and 10,000 bonus miles every card anniversary (worth at least $100 toward travel), it delivers reliable value without requiring you to track spending windows. The Citi Strata Elite earns higher rates in certain niches, but it requires more of the cardholder. If you're looking for a premium travel card that's straightforward and hands-off, the Venture X is likely the better fit. Citi Strata Elite℠ Card vs. The Platinum Card® from American Express The Platinum Card® from American Express (Terms apply, rates & fees) focuses heavily on luxury and elite travel experiences, offering access to high-end lounges, hotel status, flight perks and hundreds of dollars in annual travel and lifestyle statement credits. It's designed for frequent travelers who want premium treatment and don't mind navigating hoops. The Citi Strata Elite doesn't offer nearly as many elite perks and prestige, making the Amex Platinum a better fit if luxury is your priority.
CNBC
28-07-2025
- Business
- CNBC
Here's everything you need to know about the new Chase Sapphire eligibility rules
Chase is making some changes to their eligibility rules around the popular Sapphire credit cards. What used to be a rule that you couldn't be a cardholder of both the Chase Sapphire Preferred® Card (see rates and fees) and Chase Sapphire Reserve® (see rates and fees) has now changed, meaning you can double down on earning Chase points. A big caveat, though? You might not be able to earn both cards' welcome bonuses. Here's what to know. On Chase's site On Chase's site With Points Boost, your rewards will be worth up to 1.5x on thousands of top-booked hotels and flights from select airlines through Chase Travel. Good to Excellent670–850 19.99% - 28.24% variable $95 Earn 75,000 bonus points See rates and fees. Terms apply. Member FDIC. Read our Chase Sapphire Preferred® Card review. The Chase Sapphire Preferred® Card packs a punch for a $95 annual fee card, offering annual travel credits, comprehensive travel protections and $5 or 5% of the amount of each transfer, whichever is greater On Chase's site On Chase's site Get more than $2,700 in annual value with Sapphire Reserve. Excellent740–850 20.24% - 28.74% variable $795 Earn 100,000 bonus points + $500 Chase TravelSM promo credit See rates and fees. Terms apply. Member FDIC. Read our Chase Sapphire Reserve® review. The Chase Sapphire Reserve® is a standout premium credit card with plenty of luxury perks and statement credits to justify its annual $5 or 5% of the amount of each balance transfer, whichever is greater Before the overhaul of the Chase Sapphire line of cards, the bank didn't allow a user to be the primary account holder on both the Sapphire Preferred and Reserve cards; you could only have one. This was Chase's previous rule on owning multiple Sapphire cards at once: The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products. That's now changed, however. As of June 23, 2025, you can now be a cardmember of both the Chase Sapphire Preferred and Sapphire Reserve. Why would you want to have both? Well, they cater to different spending. While the Preferred works with more everyday purchases, allowing you to earn on online groceries and streaming, the Reserve rewards your travel. Plus, with the two, you can more quickly collect valuable Chase Ultimate Rewards® points. The only caveat is that there's a good chance you won't be able to score a welcome bonus on both cards. A Chase spokesperson told CNBC Select that new account bonus offer eligibility for either the Reserve or the Preferred will be based on several factors, including previously earned bonus offers and the number of cards opened and closed, among others. If you already had one of the Sapphire cards and earned its welcome bonus, you may not earn the welcome bonus on the second Sapphire card you get. This is on the product page of Chase's website: The new cardmember bonus may not be available to you if you currently have any other personal Sapphire cards open, previously held this card or received a new cardmember bonus for this card. So, while Chase is opening up the doors to the possibility of owning both Sapphire cards, earning their respective welcome bonuses seems like it's going to be more on a case-by-case basis. It's worth noting that the site does specifically say, "personal Sapphire cards," and after confirming with a Chase spokesperson, Chase Sapphire Reserve for BusinessSM (see rates and fees) cardholders can still open a consumer Sapphire card and earn its bonus. Thus, having the business card will not impact your eligibility for the other Sapphire bonuses. With this current language, it seems like it's still possible to earn both bonuses; if you had one of the Reserve or Preferred cards and earned its bonus, you could then downgrade that card to a non-Sapphire card and then apply for the Sapphire card you haven't held yet and earn its bonus. While this could be a good way to maximize the welcome offers, some people may be devoted to one card over the other and not want to downgrade for a bonus. Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here. At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
CNBC
02-07-2025
- Business
- CNBC
Here's why I'm loving the Chase Sapphire Reserve 100,000-point, $500 travel credit welcome offer
The updated Chase Sapphire Reserve® (see rates and fees) has received a lot of attention — its new $795 annual fee makes it one of the most expensive premium credit cards on the market. But what's also drawing eyes is the card's generous welcome bonus: For a limited time, new cardholders can earn 100,000 points and a $500 Chase Travel℠ credit after spending $5,000 in the first three months. Here's why we're loving the bonus. On Chase's site On Chase's site Get more than $2,700 in annual value with Sapphire Reserve. Excellent740–850 20.24% - 28.74% variable $795 Earn 100,000 bonus points + $500 Chase TravelSM promo credit See rates and fees. Terms apply. Member FDIC. Read our Chase Sapphire Reserve® review. The Chase Sapphire Reserve® is a standout premium credit card with plenty of luxury perks and statement credits to justify its annual $5 or 5% of the amount of each balance transfer, whichever is greater For starters, this is the best bonus the Chase Sapphire Reserve has ever seen. The last time this card offered a 100,000-point welcome offer was when it first launched in August 2016. The relaunched version of the Sapphire Reserve takes the 100K-point offer and adds up to $500 more in value with the travel credit. If you're an avid traveler, the bonus is well worth it. With Chase Ultimate Rewards® points valued by industry experts at about 2 cents per point, the 100,000 points you can earn are worth roughly $2,000 in value. Add in the $500 travel credit and you're at a bonus worth around $2,500. Keep in mind, too, that the typical Sapphire Reserve bonus is usually only around 60,000 points. Plus, Chase's new Points Boost feature allows Sapphire Reserve cardholders to earn up to 1.5X more value on their points when booking select airline tickets and hotel accommodations through Chase Travel. If you can reach the spending threshold to earn the new bonus (and pay off your credit card on time and in full every month), it's a no-brainer. Here are two ways one could cash in the bonus: The Sapphire Reserve's welcome offer is already a big draw, but don't forget about the travel credits and perks that complement the 100,000 bonus points. With the Sapphire Reserve, you'll receive a $120 TSA PreCheck®, Global Entry or NEXUS credit every four years to cover the application fee. The card also comes with a $300 annual travel credit, which will automatically be applied towards purchases made in the travel category. Both of these statement credits provide direct benefits to you while you travel, and they make better use of your 100K-point welcome offer. The Sapphire Reserve's 100K-point bonus, along with the $500 Chase Travel credit, opens up opportunities for exploration, and the Reserve complements this nicely with a lot of built-in travel protections. The card offers baggage delay insurance, trip cancellation and interruption insurance, including lost luggage reimbursement for up to $3,000 per covered traveler. Traveling Sapphire Reserve cardholders also get access to Chase Sapphire lounges and over 1,300 Priority Pass lounges for them and up to two guests at no additional cost. If you're looking for a travel rewards credit card, but don't want to pay an annual fee of triple digits, several options with lower fees can still provide a lot of value. One option is the Capital One Venture Rewards Credit Card, at a $95 annual fee. The card's earning structure is simple, with 5X miles per dollar on hotel and rental cars booked through Capital One Travel and 2X miles per dollar on every other purchase. The Venture Rewards comes with up to a $120 statement credit for Global Entry or TSA PreCheck and a $50 hotel credit for every Lifestyle Collection booking with room upgrades when available. Good to Excellent670–850 19.99% - 29.24% variable $95 Earn 75,000 miles Terms apply. Read our Capital One Venture Rewards Credit Card review. The Capital One Venture Rewards Credit Card has a reasonable annual fee and earns flexible travel rewards, which makes it a great travel card for beginners or heavy travelers.$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you None If your credit score isn't great but you want a credit card with some travel perks, check out the Credit One Bank® Wander® American Express® card. Also carrying a $95 annual fee, the card earns an impressive up to 10X points on eligible hotel and car rental purchases booked through the Credit One Bank travel partner: 5X when you reserve and 5X when you complete the booking. You'll also get purchase and retail protections, plus car rental loss and damage insurance for extra protection during your travels. 10X points on eligible hotel and car rentals booked using the Credit One Bank travel partner; 5X points on eligible dining, gas, and travel purchases; 1X points on all other purchases No current offer $95 N/A 29.49%* Variable N/A None Fair to Good credit See rates and fees. Terms apply. Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here. At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
