Getting the Chase Sapphire Reserve in 2026 comes with many perks. From bonus points to travel credits and lounge access, here are the most important steps to take first.
New Chase Sapphire Reserve Cardholders: If you just got approved for the Chase Sapphire Reserve® card, you are probably waiting for it to arrive and feeling excited. This card gives many rewards and special perks. To get full value, you need to use the benefits on time. Many users miss out because they do not turn on the offers.
It also helps to know what this card is about before using it. The Chase Sapphire Reserve® is a premium travel card. You earn points when you spend on trips and eating out. The current welcome deal is very large. You can earn 125,000 points after spending $6,000 within 3 months. These points are worth about $2,500. The yearly fee for the card is $795. The interest rate falls between 19.49% and 27.99%. This card is meant for people with strong credit history.
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The first thing you should focus on is meeting the spending requirement to earn the welcome bonus. The bonus is one of the biggest benefits of this card. If you do not spend $6,000 in the first 3 months, you will miss out on 125,000 points.
This gives you access to more than 1,300 airport lounges around the world. You can also bring two guests with you. To turn this on, you need to log in to your Chase account online or on the app. After activation, you can use a digital card in the Priority Pass app. A physical card will be mailed to you within about 14 business days.
Another big benefit is the $300 yearly travel credit. This credit is very easy to use. When you pay for travel with your card, Chase automatically gives the money back as a statement credit. This works for flights, hotels, buses, trains, cruises, rental cars, and more. You do not need to sign up or activate anything. If you travel even once a year, you will likely use this credit without trying.
You also get IHG One Rewards Platinum Elite status.
The card includes free Apple TV+ and Apple Music subscriptions. You do not need to buy anything to get this benefit. You only need to activate each service through the Chase app or website and link your Apple ID. If you already pay for these services with another card, you should cancel that payment. These benefits are currently valid until June 22, 2027 and are worth about $250.
If you use DoorDash, this card gives you a free DashPass membership if you activate it by December 31, 2027. DashPass gives $0 delivery fees and lower service fees. You also get a $5 restaurant credit each month and two $10 credits for other orders like groceries. This adds up to about $300 per year. To activate it, just add your Chase Sapphire Reserve card to your DoorDash account. DoorDash will guide you through the rest.
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The card also offers a $500 yearly hotel credit through The Edit by Chase Travel. The Edit is a collection of luxury hotels. When you book a stay of at least two nights through Chase Travel and pay with your card, you get a $250 credit back. You can use this twice each year. These bookings also come with extras like free breakfast, room upgrades when available, early check-in, late checkout, and a $100 property credit.
Food lovers can use the $300 yearly dining credit. This is split into two $150 credits. One is available from January to June and the other from July to December. You can use it at restaurants listed under Sapphire Reserve Exclusive Tables. You do not need to make a reservation. You only need to pay with your card. Credits do not roll over so it is important to use them on time.
You also get up to $300 per year for event tickets through StubHub and viagogo. This benefit is split into two $150 credits. You must activate it in the benefits section of your Chase account before using it. Once activated, just buy tickets and the credit will be applied automatically.
For rides, the card gives a $10 Lyft credit every month. This can save you up to $120 per year. You also earn 5x points on Lyft rides until September 30, 2027. To get the credit, add your card to your Lyft account and pay with it.
Peloton users get a $10 monthly credit for memberships. That is up to $120 per year. You can also earn 10x points on Peloton equipment purchases through December 31, 2027.
The card also pays for Global Entry, TSA PreCheck, or NEXUS. These programs help you move faster through airport security and customs. Just pay the application fee with your card and Chase will give the money back as a statement credit.
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Chase Sapphire Reserve also includes many protections. These include rental car insurance, trip cancellation coverage, trip delay payments, lost baggage help, purchase protection, extended warranties, and roadside assistance.
If you spend $75,000 on the card in a year, you unlock even more perks. These include IHG Diamond Elite status, Hertz President’s Circle, Southwest Airlines A-List status, free checked bags, priority boarding, a $500 Southwest credit, and a $250 credit for The Shops at Chase. These perks are only worth it if you already spend that much. It is not smart to overspend just to reach this level.
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