āØ Overview
In 2025, the Chase Sapphire ReserveĀ® has been revamped significantly. It remains one of the most prestigious travel credit cardsābut it now comes with a higher annual fee and a long list of luxury lifestyle benefits. Whether youāre a regular traveler or someone who appreciates premium perks, hereās a complete, original breakdown of the cardās updated featuresāand whether itās still worth holding in your wallet.
š° Higher Annual Fee ā Is It Worth It?
- Old Fee: $550/year
- New Fee (2025): $795/year
- Authorized User Fee: $195/year (previously $75)
This increase might feel steep, but the value added in 2025 more than makes up for itāif you actually use the perks.
š± Statement Credits Worth $2,000+
| Category | Annual Value | Benefit Description |
|---|---|---|
| Hotel Credit | $500 | Applies to bookings made through Chase premium hotels |
| Dining Credit | $300 | Includes 2 OpenTable dining experiences annually |
| Event Credit | $300 | Use on StubHub or Viagogo for concerts and sports |
| Streaming Credit | $250 | Apple TV+, Apple Music, and similar services |
| Peloton Credit | $120 | Monthly membership reimbursed ($10/month) |
| Travel Credit | $300 | For flights, hotels, car rentals, etc. |
š Total Statement Value: $1,770/year
š Points Earning (2025 Version)
| Spending Type | Points Earned |
|---|---|
| Chase Travel Portal Bookings | 8x |
| Flights & Hotels Direct | 4x |
| Dining at Restaurants | 3x |
| Lyft Rides (till 2027) | 5x |
| Peloton Equipment Purchases | 10x |
| All Other Purchases | 1x |
š Note: Travel bookings made outside of Chase’s portal (except flights/hotels) now earn only 1x point.
š§ āPoints Boostā ā New Redemption System
Chase now lets users activate a Points Boost mode, unlocking redemptions at up to 2Ā¢ per point.
| Redemption Option | Value per Point |
|---|---|
| Points Boost Bookings | Up to 2Ā¢ |
| Chase Travel Portal | 1Ā¢ (was 1.5Ā¢) |
| Transfers to Partners | Varies (still available) |
š Legacy Option: If you earned points before October 2025, you can still redeem them at 1.5Ā¢ through October 2027.
š Premium Travel & Lifestyle Benefits
- Unlimited Priority Passā¢ Lounge Access
- $100 TSA PreCheck or Global Entry credit every 4 years
- Premium travel insurance (trip delay, baggage loss, etc.)
- No foreign transaction fees
- Point transfers to 14+ airline and hotel partners
š Extra Perks for High Spenders
If you spend more than $75,000 per year, you unlock VIP treatment:
- IHG Diamond Elite hotel status
- Southwest A-List tier
- $750 bonus in extra shopping and travel offers
- Exclusive access to luxury product and experience portals
š§©Lifestyle Credits Collage
A hotel bed (for Hotel Credit)
Fancy dish and wine (for Dining Credit)
Concert stage (for Event Credit)
Apple logo + TV/music symbols (for Streaming Credit)
Peloton bike
Airplane in the sky
Lounge chair (for Priority Pass)
ā Should You Apply?
| Great For You If… | Not Worth It If… |
|---|---|
| You travel 4ā6 times a year | You travel only once a year or less |
| You book through Chase Travel | You always book directly with hotels |
| You use Apple Music, OpenTable, Peloton | You donāt use premium lifestyle services |
| You spend over $30,000 annually | You want a low-fee or cashback card |
š Final Thoughts
The Chase Sapphire ReserveĀ® (2025 Edition) is no longer just a travel rewards cardāit’s a luxury lifestyle membership. With its powerful combo of travel perks, points, elite credits, and new redemption flexibility, it provides much more value than its fee if youāre someone who travels, dines out, and lives big.
But if you’re looking for something simpler or less expensive, this card may be more than you need.