Chase Sapphire
Perks Guide
Two of the most popular travel cards in the world. Here’s everything you need to know about the Preferred and Reserve — and which one is right for you.
Chase Sapphire Preferred
The best starter travel card money can buy. At just $95/year, the CSP delivers outsized value through its signup bonus, dining and travel rewards, and a stack of partner benefits that easily offsets the fee.
Key perks & benefits
75,000 Point Signup Bonus
After spending $5,000 in the first 3 months. Worth ~$938–$1,538 depending on redemption.
3x Points on Dining
Worldwide including takeout and eligible delivery services. One of the best dining rates at this fee tier.
2x Points on Travel
On all travel purchases outside of Chase Travel portal — flights, hotels, rental cars, taxis, transit.
$50 Annual Hotel Credit
Statement credit for prepaid hotel bookings made through Chase Travel portal each anniversary year.
DashPass + $120 DoorDash Credits
Free DashPass ($0 delivery fees) plus $10/month in DoorDash credits through December 31, 2027.
$300 StubHub Credit
Up to $150 Jan–Jun and $150 Jul–Dec for StubHub and viagogo purchases through December 31, 2027.
10% Anniversary Points Bonus
Each anniversary year you earn a 10% bonus on all points earned that year. Spend $10K → earn 1,000 bonus pts.
$120 Peloton Credit
$10/month on eligible Peloton memberships through December 31, 2027. Plus 5x points on Peloton equipment over $150.
Trip Cancellation Insurance
Up to $10,000 per covered traveler and $20,000 per trip for prepaid non-refundable expenses.
Primary Rental Car Insurance
Primary coverage (not secondary) on rental cars when you decline the rental company’s collision damage waiver.
No Foreign Transaction Fees
Use your card abroad without the typical 3% surcharge. Essential for international travelers.
Transfer to 14 Partners
Transfer Ultimate Rewards points 1:1 to United, Hyatt, Southwest, British Airways, and 10 more loyalty programs.
Ask about your Sapphire Preferred
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AI responses are for informational purposes only. Not financial advice. Always verify current terms at chase.com before applying.
Chase Sapphire Reserve
The premium tier of the Sapphire family. Revamped in June 2025 with a higher fee but a significantly expanded credit stack. The $300 travel credit alone brings the effective fee down to $495 — and that’s before the other benefits kick in.
Key perks & benefits
125,000 Point Signup Bonus
After spending $6,000 in the first 3 months. Worth ~$2,563 based on current valuations — the highest public offer ever seen.
$300 Annual Travel Credit
Automatically applied to travel purchases each year — flights, hotels, Uber, parking, transit. Effectively reduces fee to $495.
$500 The Edit Hotel Credit
Two $250 credits usable anytime in 2026 for prepaid 2-night+ stays at The Edit luxury hotels via Chase Travel. Includes daily breakfast for two and a $100 on-property credit.
$250 Select Hotels Credit (2026)
New in 2026 — additional $250 credit for 2-night+ stays at IHG, Omni, Virgin Hotels, Montage, Pendry, Minor, and Pan Pacific via Chase Travel. Must be used in 2026.
IHG One Rewards Platinum Elite
Complimentary IHG One Rewards Platinum Elite status through 2027 — room upgrades, early check-in, late checkout at IHG properties worldwide.
$300 Exclusive Tables Dining Credit
$150 Jan–Jun and $150 Jul–Dec at Chase’s curated restaurant partners through the Exclusive Tables program.
Priority Pass + Sapphire Lounges
Complimentary Priority Pass Select membership plus access to Chase’s own Sapphire Lounges in select airports.
$420 DoorDash Credits
Up to $25/month on DoorDash through December 31, 2027 plus complimentary DashPass membership.
Global Entry / TSA PreCheck
Up to $120 credit for Global Entry every 4 years (includes TSA PreCheck). Skip the immigration line internationally.
$120 Peloton Credit
$10/month on eligible Peloton memberships through December 31, 2027. Plus 10x points on Peloton equipment over $150.
$300 StubHub Credit
Up to $150 Jan–Jun and $150 Jul–Dec on StubHub and viagogo purchases through December 31, 2027.
8x Points on Chase Travel
8x on flights, hotels, rental cars, cruises booked through Chase Travel portal. 4x direct with airlines/hotels. 3x dining.
Transfer to 14 Partners
Same 1:1 transfers as CSP to United, Hyatt, Southwest, British Airways, and 10 more. Points Boost offers up to 2 cents/point redemption.
Primary Rental Car Insurance
Primary auto rental coverage worldwide when you decline the rental company’s CDW. Same as CSP — no secondary hassle.
Ask about your Sapphire Reserve
Click a question or type your own — opens Claude with the prompt ready.
Or type your own question:
AI responses are for informational purposes only. Not financial advice. Always verify current terms at chase.com before applying.
CSP vs CSR — which is right for you?
Both are excellent cards — the question is whether you’ll use enough of the CSR’s premium benefits to justify the higher fee.
Sapphire Preferred
Sapphire Reserve
✅ Get the CSP if…
- ✦ You travel 1–3 times a year
- ✦ You want a low-maintenance card
- ✦ You’re new to travel rewards cards
- ✦ You spend heavily on dining
- ✦ $95 fee feels more comfortable
⭐ Get the CSR if…
- ✦ You travel 4+ times a year
- ✦ You’ll use lounge access regularly
- ✦ You’ll claim the hotel/dining credits
- ✦ You want maximum earn rates
- ✦ You’re comfortable with a premium fee
Not sure which one to pick?
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AI responses are for informational purposes only. Not financial advice. Always verify current terms at chase.com before applying.
⚠ Disclaimer: Card benefits, fees, signup bonuses, and eligibility rules shown above are based on publicly available information and may have changed. As of January 2026, Chase updated Sapphire bonus eligibility rules. Always verify current terms, conditions, and your personal eligibility directly at chase.com before applying. Point valuations are estimates and actual value depends on how you redeem. This is not financial advice.
Apply via Sunny’s referral link
Using this referral link costs you nothing extra. Sunny may earn bonus points if your application is approved — a simple way to support Naya Works while getting the same great offer.
⚠ Always check Chase’s website for the most current offers and terms
Card benefits, annual fees, signup bonuses, earning rates, credits, and eligibility rules change frequently. All information on this page reflects publicly available data at the time of writing and may be out of date. Before applying for any card, always verify the current terms, conditions, and your personal eligibility directly at chase.com. This page is for informational purposes only and does not constitute financial advice. Naya Works may earn referral points if you apply via the referral link above.