چیس نیلم ریزرو تبدیلیاں: کمائی کی نئی شرحیں ، زیادہ سالانہ فیس کے لئے مزید بیان کریڈٹ

چیس نیلم ریزرو تبدیلیاں: کمائی کی نئی شرحیں ، زیادہ سالانہ فیس کے لئے مزید بیان کریڈٹ

ADVERTISEMENTNewsChase Sapphire Reserve changes: New earning rates, more statement credits for a higher annual feeAugusta StoneAugusta StoneCredit cards writerAugusta Stone is a credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take points and miles beginners with her on a journey toward maximizing rewards. June 17, 2025•12 min readThe cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view ouradvertising policy andproduct review methodology for more information.This summer, we anticipated changes coming to the Chase Sapphire Reserve® (see rates and fees), Chase's premium travel rewards card. Now, the details are official.Our credit card predictions for 2025 considered the Sapphire Reserve a potential candidate for an overhaul, especially since the card's perks hadn't been updated since 2021.The Sapphire Reserve will soon charge a much higher annual fee — $795 — and feature a host of new statement credits and benefits to offset its increase from its previous $550 annual fee.While a steep annual fee hike may surprise some cardholders, Chase has included multiple new features to help lessen the sting. Is it worth maintaining the card or adding it to your wallet?Let's start with a quick overview of the changes before breaking down some key points to help you decide if you should apply for, upgrade or downgrade the refreshed Chase Sapphire Reserve.Summary of changesThere's a lot to cover with the Chase Sapphire Reserve's summer 2025 changes, so let's break down what's changing and what isn't.MASKOT/GETTY IMAGESWhat's changingHigher annual fee and authorized user annual fee.Some earning rates.Multiple new statement credits on travel and lifestyle spending.Complimentary status with IHG Hotels and Resorts.New perks you'll receive after reaching a minimum spend threshold.New points accelerator called "Points Boost" (replacing the current 50% boost when redeeming Chase Ultimate Rewards points through Chase Travel℠, though existing cardholders have a two-year grace period).Card design changes. (Current cardholders will receive the new card after their current card has expired.)Cardholders can now hold the Sapphire Reserve and Chase Sapphire Preferred® Card (see rates and fees) at the same time.What's staying the sameFlexible $300 annual travel credit on each cardmember anniversary. (Note that this is the only credit that will apply on a cardmember anniversary schedule.)Global Entry, TSA PreCheck or Nexus credit.Lounge access, including Priority Pass. (Authorized users are also still allowed two guests at no additional charge.)Travel protections.TimingNew applicants approved for the card on (or after) June 23 will immediately unlock the new perks, though they will incur the higher annual fee.Cardmembers approved for the card prior to this date will gain access to Points Boost on June 23 and the rest of the benefits on Oct. 26, 2025 — with the higher annual fee on your renewal on (or after) that date.Daily NewsletterReward your inbox with the TPG Daily newsletterJoin over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s expertsMy takeThe new credits are meant to offset the annual fee surge, but they're most useful if you already spend with the designated merchants.Maintaining the current $300 travel credit in its preexisting form is a positive.While increasing the earning rate on flights and hotels booked directly to 4 points per dollar spent is a positive move, decreasing the 3 points per dollar earning rate on general travel will hurt those who frequently book vacation rentals or cruises.The $75,000 spending requirement to unlock premium perks is steep and may not be attainable for some cardholders.Now, let's break down each of the card's new features and changes one by one.Related: Why I'll never cancel my Chase Sapphire ReserveHigher annual feeThe Chase Sapphire Reserve's move from a $550 annual fee to $795 each year will be the headline for most.This annual fee doesn't quite eclipse that of The Platinum Card® from American Express, which has a $895 annual fee (see rates and fees), but it does surpass the Capital One Venture X Rewards Credit Card, which has a $395 annual fee — two natural competitors in the premium transferable rewards card market.ZORICA NASTASIC/GETTY IMAGESAnother Chase Sapphire Reserve change? The card is also raising its annual fee for authorized users from $75 to $195.It's worth noting that if you get the new Sapphire Reserve between June 17 and June 23, you'll be charged $550 instead of the higher $795 annual fee.Starting Oct. 26, cardholders will be charged the new annual fee and authorized user annual fee on their next card anniversary date. If your anniversary date occurs before then, you'll be charged the current lower annual fee.Related: The complete guide to credit card annual feesEarning rate adjustmentsSome earning rates are changing on the Chase Sapphire Reserve. Here's a breakdown by category:Bonus categoryNew earning ratePrevious earning rateHotels booked through Chase Travel8 points per dollar10 points per dollarRental cars booked through Chase Travel8 points per dollar10 points per dollarFlights booked through Chase Travel8 points per dollar5 points per dollarFlights booked directly with airlines4 points per dollar3 points per dollarHotels booked directly4 points per dollar 3 points per dollarAll other travel, including cruises, vacation rentals and transit1 point per dollar3 points per dollarThe card will continue to earn 3 points per dollar spent on dining purchases, 5 points per dollar spent on eligible Lyft rides and 10 points per dollar spent on eligible Peloton purchases.The most important notes are increased earnings on flights booked through Chase Travel and flights and hotels booked directly.However, with the elimination of a general travel bonus category (which previously earned 3 points per dollar spent), those who used the card on Airbnb stays, subway tickets or cruise bookings will now earn just 1 point per dollar on those purchases.Related: Comparing flat-rate with bonus-category cash-back credit cardsNew statement creditsThe updated Chase Sapphire Reserve adds a long list of new statement credits to help offset its higher annual fee.$500 annual statement credit for The Edit, Chase's curated collection of luxury hotels and resorts (split into two $250 biannual credits)$300 annual statement credit for StubHub or Viagogo purchases of concert and event tickets (split into two $150 biannual credits; activation required)$300 annually in monthly DoorDash promotions (a $5 restaurant promo and two $10 promos on everyday essentials each month; activate by Dec. 31, 2027)$300 annual dining credit and primetime reservations at Sapphire Reserve Exclusive Tables, which you can book on OpenTable (split into two $150 biannual credits automatically applied within the Sapphire Reserve Exclusive Tables program)$250 annual statement credit for Apple TV+ and Apple Music subscriptions (one-time activation per service is required through chase.com or the Chase Mobile app)$120 in annual statement credits toward Peloton memberships ($10 per month through Dec. 31, 2027)$120 of a complimentary DoorDash DashPass membership (activate by Dec. 31, 2027)$120 in annual Lyft in-app credits, up to $10 monthly through Sept. 30, 2027The card will maintain its flexible $300 travel credit, automatically applied to all purchases made in the travel category, each account anniversary year.KATIE GENTER/THE POINTS GUYThe new perks center on travel and lifestyle purchases, such as streaming and dining. All together, the benefits add up to more than $2,700 in annual value for cardholders, which can easily offset the annual fee.If you can easily maximize these credits (and already spend with these merchants), these benefits are a net positive.However, it may take some organization to keep track of every benefit, especially if you're already managing the multiple statement credits offered by other cards.Related: Forgettable statement credits checklist: Perks and benefits not to be overlookedComplimentary IHG Platinum Elite statusChase Sapphire Reserve cardholders will receive complimentary IHG One Rewards Platinum Elite status.UXUA CASA HOTEL & SPA/IHGThis is mid-tier status in the IHG One Rewards program and includes the following benefits:60% bonus points on IHG staysReward night discountsRoll over nights toward next year's statusHertz Five Star statusWelcome amenity of points or a drink or snackEarly check-in, subject to availabilityGuaranteed room availability within 72 hoursRelated: IHG elite status: What it is and how to earn itSpend-incentivized perksSome perks on the refreshed Chase Sapphire Reserve kick in after spending $75,000 on the card in a calendar year. These include:IHG One Rewards Diamond Elite statusSouthwest Airlines A-List status$500 Southwest Airlines credit when booked through Chase Travel$250 credit to The Shops at Chase, online shopping for cardmembers that includes retailers such as Dyson, Sony, Therabody and TumiSEAN CUDAHY/THE POINTS GUYThese are decent perks for cardholders, but some may find it challenging to charge $75,000 to a single card in a calendar year.Related: Southwest A-List status: What it is and how to earn itPoints Boost offers for redemptionsThe Chase Sapphire Reserve will roll out a new points accelerator called Points Boost.Points Boost offers will provide eligible cardmembers with redemption values of up to 2 cents per point when booking with Chase points through the Chase Travel portal. This will apply to select hotels, including bookings made through The Edit, and airlines.Existing cardmembers will receive access to Points Boost on June 23, even as they use their older card.MASKOT/GETTY IMAGESHowever, the implementation of Points Boost means another change will be coming. New applicants who apply on (or after) June 23 will no longer have access to the current 50% bonus on Chase Ultimate Rewards points when redeemed through the Chase Travel portal. This means the base redemption rate will be 1 cent per point toward travel purchases, though select Points Boost redemptions could net you up to 2 cents per point in value.However, cardholders who opened their accounts prior to June 23 will have a grace period before this benefit is gone. Specifically, for any points earned prior to Oct. 26, 2025, you can still use those for either 1.5 cents apiece or up to 2 cents apiece via Points Boost for two years — through Oct. 26, 2027. In fact, you'll automatically receive the best offer between these two methods during that time period.Unfortunately, any points earned after Oct. 26, 2025 — and all redemptions after Oct. 26, 2027 — will only be eligible for Points Boost. Otherwise, it'll be a fixed 1 cent per point.Related: When to transfer Chase points instead of booking a hotel through Chase Travel?New card artFinally, the new Chase Sapphire Reserve updated its card art.The card's design no longer complements the design of the Chase Sapphire Preferred, its lower-annual-fee counterpart. Instead, the new look differentiates itself from its Sapphire family member.THE POINTS GUY"The new Sapphire Reserve looks sleeker when compared side-by-side with the original version of this product," said Sapphire Reserve cardholder and TPG credit cards editor Daisy Hernandez."The engraved words 'Sapphire Reserve' appear in slightly smaller font while the Chase octagon remains the same size," she continued. "There's something incredibly satisfying about the new card's tactile aesthetic, which was inspired by both the Chase logo and the planes of a sapphire gemstone."Related: The 5 prettiest credit cards you can add to your walletWhy was the Chase Sapphire Reserve changed?The Chase Sapphire Reserve was introduced in 2016 and last overhauled in 2021, so it makes sense that the card would receive a face-lift in 2025.HISPANOLISTIC/GETTY IMAGESThe premium card market continues to evolve, and it's becoming more common for these cards to add more statement credits to justify rising annual fees.The Platinum Card from American Express, for instance, notably features a laundry list of statement credits. The Sapphire Reserve's new additions in this overhaul align the Chase premium option with its American Express counterpart.Bottom lineAs with any update, the changes to the Chase Sapphire Reserve could be mostly positive or mostly negative, depending on your spending habits and travel goals.If you're interested in upgrading one of your Chase cards or downgrading your current Sapphire Reserve based on these changes, be sure to contact Chase's customer service line to start the process. However, since the new annual fee won't post until your next renewal on (or after) Oct. 26, you should hold off on making any decisions until you can try out the benefits for yourself.To learn more, see our full review of the Chase Sapphire Reserve.Apply here: Chase Sapphire ReserveRelated: Amex Platinum vs. Chase Sapphire ReserveFor rates and fees of the Amex Platinum, click here.Featured image by KSENIYA OVCHINNIKOVA/GETTY IMAGESEditorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.TPG featured cardBest for businesses with high spendingCapital One Venture X BusinessApply for Capital One Venture X BusinessTerms & restrictions apply. See rates & feesTPG Editor‘s RatingOpen Editors ratingCard Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.4.5 / 5Go to reviewApply nowApply for Capital One Venture X Businessat Capital One's secure siteRewards2 - 10X milesdetails2X miles2 miles per dollar on every purchase5X miles5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel10X miles10 miles per dollar on hotels and rental cars booked through Capital One Business TravelIntro offerEarn 150,000 bonus milesdetailsEarn 150,000 bonus miles once you spend $30,000 in the first 3 months from account openingAnnual Fee$395Recommended Credit740-850Excellentmore infoCredit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Why We Chose ItThe Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit.Pros & ConsProsThe Capital One Venture X business card has a very lucrative welcome offer.In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.Business owners are also able to add employee cards for free.ConsThe card requires significant spending to earn the welcome offer.Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel. More DetailsEarn 150,000 bonus miles once you spend $30,000 in the first 3 months from account openingEarn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictionsEarn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business TravelWith no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewardsEmpower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with easeRedeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programsEvery year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business TravelReceive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollmentEnjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier CollectionThis is a pay-in-full card, so your balance is due in full every monthApply nowApply for Capital One Venture X Businessat Capital One's secure siteTerms & restrictions apply. See rates & feesBest for businesses with high spendingCapital One Venture X BusinessTPG Editor‘s RatingOpen Editors ratingCard Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.4.5 / 5Go to reviewRewards Rate2X miles2 miles per dollar on every purchase5X miles5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel10X miles10 miles per dollar on hotels and rental cars booked through Capital One Business TravelIntro OfferOpen Intro bonusEarn 150,000 bonus miles once you spend $30,000 in the first 3 months from account openingEarn 150,000 bonus milesAnnual Fee$395Recommended CreditOpen Credit score descriptionCredit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.740-850ExcellentWhy We Chose ItThe Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit.View MorePros + consMore DetailsProsThe Capital One Venture X business card has a very lucrative welcome offer.In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.Business owners are also able to add employee cards for free.ConsThe card requires significant spending to earn the welcome offer.Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel. Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account openingEarn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictionsEarn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business TravelWith no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewardsEmpower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with easeRedeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programsEvery year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business TravelReceive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollmentEnjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier CollectionThis is a pay-in-full card, so your balance is due in full every monthgtm--featured-card-10186

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