The Chase Sapphire Reserve has long been a top choice for travelers who want premium perks and flexible rewards. Most people know about the classic benefits: 3x points on travel and dining, Priority Pass lounge access, and the $300 annual travel credit. But the new Chase Sapphire Reserve benefits for 2025 are more powerful than ever. With upgraded travel earning rates, new dining and lifestyle credits, and overlooked protections, you could be missing out on hundreds or even thousands of dollars in extra value each year.
In this guide, we’ll break down the new perks, hidden benefits, and simple strategies to unlock them all to help you decide if paying the CSR’s new annual fee of $795 is worth it or not.
New Chase Sapphire Reserve Benefits in 2025
Recent upgrades make the Sapphire Reserve a serious points-earning machine:
- 🛫 8x points on travel through the Chase Travel portal — flights, hotels, rental cars, cruises, and tours.
- 🏨 4x points on direct bookings with airlines and hotels.
- 🏖 $500 hotel credit with The Edit — on prepaid two-night minimum stays.
- 💳 $300 annual travel credit — one of the most flexible in the industry.
- 🏅 IHG Platinum Elite status through 2027.
- 🚴 10x points on Peloton hardware and accessories, plus monthly $10 credits through December 2027.
- 🍽 $300 dining credit at Sapphire Reserve Exclusive Tables.
👉 Pro tip: Booking through the Chase Travel portal can dramatically boost your earning potential.
Hidden Chase Sapphire Reserve Benefits Most People Miss
Many cardholders overlook less obvious perks that can save serious money:
Travel Protections
- Global Entry / TSA PreCheck® credit (up to $120)
- Trip cancellation & interruption insurance (up to $10,000 per person)
- Emergency evacuation coverage (up to $100,000)
- Primary rental car insurance (up to $75,000)
- Trip and baggage delay insurance
Shopping Protections
- Return protection (up to $500 per item)
- Extended warranty (adds one year to eligible warranties)
- Purchase protection (120 days against theft or damage)
Lifestyle & Everyday Perks
- Apple TV+ and Apple Music subscriptions through June 2027
- DoorDash credits up to $300 annually + DashPass membership
- Lyft perks: $120 in credits and 5× points through September 2027
- Peloton: 10x points on equipment & accessories and $120 annual credit on subscriptions
- Event ticket credits: up to $300 annually through StubHub
Read: My favorite travel hoodies
High-Spend Bonus Benefits for Power Users
If you spend $75,000 or more annually, you unlock even more Chase Sapphire Reserve benefits:
- IHG Diamond Elite status
- $500 Southwest Airlines credit
- Southwest A-List status
- $250 Shops at Chase credit
If you’re already a heavy spender, planning your purchases could unlock premium perks automatically.
Read: 6 Airline Companion Passes: Which One is Best?
Why Cardholders Miss Out on These Benefits
- Most focus only on travel & dining rewards.
- Some perks require manual activation (e.g., Apple services, DoorDash, IHG status).
- Credits often have conditions, such as a two-night minimum or monthly expiration.
- The Chase Travel portal offers the highest earning rates, but many book elsewhere.
- Protections are invisible until something goes wrong.
👉 A little benefit awareness + activation goes a long way.
How to Unlock Chase Sapphire Reserve Benefits (Step by Step)
- Log in to your Chase account → Benefits dashboard.
- Activate Apple subscriptions, Priority Pass, DoorDash, IHG status, and other lifestyle perks.
- Book travel through the Chase Travel portal to maximize point earnings.
- Use The Edit to trigger the $500 hotel credit (two-night minimum).
- Track your $300 dining credit, which resets mid-year.
- Set reminders to use DoorDash credits monthly.
- Pay with the card for travel to activate protections.
- Add authorized users if it helps maximize the family’s benefits.
💡 Pro tip: Keep a quick benefit tracker — either in a spreadsheet or your notes app.
Real-World Scenarios: Benefits in Action
- ✈️ Frequent Traveler: Earns 8x on flights, uses the travel credit, and gets IHG upgrades.
- 🍽 Food Lover: Combines $300 dining credit with DoorDash perks.
- 🛍 Lifestyle Maximizer: Streams Apple TV+, uses Lyft credits, and enjoys event perks.
- 💼 High Spender: Unlocks IHG Diamond and Southwest A-List status.
Important Fine Print
- Hotel credit bookings may not earn points.
- The Edit credit requires a two-night minimum stay.
- Dining credit resets twice a year.
- Lyft perks end September 30, 2027.
- High-spend perks are calendar-year based.
Understanding these rules helps you maximize every Chase Sapphire Reserve benefit.
The Bald Thoughts: Don’t Leave Chase Sapphire Reserve Benefits on the Table
I’ve had the Chase Sapphire Reserve for several years, and I considered canceling it after hearing about the annual fee increase. However, it isn’t just a premium travel card anymore. The new Chase Sapphire Reserve benefits combine travel rewards, lifestyle perks, and strong protections that can easily exceed the annual fee. Take 10 minutes today to log in, activate unused benefits, and plan how to maximize your rewards for the rest of the year.
Are you keeping your CSR or canceling it with these changes to benefits and fees?
Chase Sapphire Reserve Benefits FAQ
How do I activate Apple TV+ and Apple Music benefits?
Log in to your Chase account, go to Benefits, and link your Apple ID.
Does the $300 dining credit work at any restaurant?
It applies to restaurants in the Sapphire Reserve Exclusive Tables network via OpenTable.
Will I earn points on The Edit hotel credit?
You will not earn Chase Ultimate Rewards points on the credited amount. Purchases that count toward your $300 annual travel credit also do not earn points.
Are these perks only for big spenders?
No, most Chase Sapphire Reserve benefits are available to everyone. But if you are a big spender, you can unlock additional perks that add even more value to your card.
How can I ensure I get 8x points on travel?
To earn 8x points on travel with the Chase Sapphire Reserve, always book through the Chase Travel portal. Booking directly with airlines and hotels earns 4x points, but all other travel purchases (like OTAs, rental cars, tours, and train tickets) earn just 1x points.
I have like 15 cards that give me TSA and GE credits plus Priority pass, etc. etc. I like the card but I don’t like it at the new fee. I’m out.