Non-affiliate disclosure: all details about the this card have been collected independently by US Credit score Card Information and has not been reviewed by the issuer.

2023.6 Replace: The supply is lowered from 80k to 60k. It appears the 90k supply in department remains to be alive based on DoC, however we don’t know when it can finish. [Update] The 80k hyperlink is alive once more magically. HT: DoC.

2023.4 Replace: The net supply is now 80k.

2023.3 Replace: There’s a 90k supply, in department just for now.

Supply Hyperlink

Advantages

1. 80k supply: earn 80,000 Final Rewards (UR) factors after spending $4,000 within the first 3 months. The current greatest supply is 100k.
2. We estimate that Final Rewards (UR) factors are price about 1.6 cents/level, see beneath for a quick introduction. So the 100k highest sign-up bonus is price about $1,600!
3. When you have this card, you may switch your UR factors to accomplice airways miles and resort factors.
4. Factors incomes charges:
   • [New] Earn 5x UR factors on journey booked by Chase Journey portal.
   • [New] Earn 3x on eating, choose streaming providers and on-line grocery (excluding Goal, Walmart and wholesales).
   • Earn 2x UR factors on different journey purchases.Chase is understood to be fairly versatile with their definition of journey and consists of retailers comparable to Uber and a few public transportation.
   • Earn 1x UR level per greenback spent on all different purchases.
5. [New] $50 Annual Lodge Credit score per cardmember 12 months. Should be booked by UR portal. New cardmember can use this credit score now. Current cardmembers ought to be capable to use it after their card anniversary.
6. [New] 10% bonus factors per 12 months. After card anniversary, you’ll be given 10% bonus factors primarily based on the whole spend in your Sapphire Most popular card in final 12 months. For instance, for those who spend $30k in whole, you’re going to get 3k bonus factors.
7. “Pay Your self Again”: you may redeem UR factors for assertion credit in opposition to present purchases in choose, rotating classes, at a hard and fast fee 1.25 cents/level. You can too use your UR factors at a hard and fast fee 1.25 cents/level on the Chase UR journey portal. Nevertheless, with CSR, the redemption fee is 1.5 cents/level, subsequently it’s extra advisable to make use of CSR to redeem UR factors on this method.
8. Major automotive rental insurance coverage.
9. [Limited Time] Earn 5% money again on Lyft, till 2025.03. Right here is the official hyperlink for this promotion.
10. [Limited Time] Free DashPass (Doordash membership) for 12-24 months. Activation required earlier than 2024.12.31. Right here is the official hyperlink for this promotion.
11. No international transaction charge.
12. Refer a buddy: You may earn 15,000 bonus UR factors for each accepted account you refer, as much as a most of 75,000 UR factors per calendar 12 months.

Disadvantages

1. Annual charge $95, NOT waived for the primary 12 months.

Introduction to UR Factors

• You may earn UR factors with Chase Freedom Scholar, Chase Freedom, Chase Freedom Limitless (CFU), Chase Sapphire Most popular (CSP), Chase Sapphire Reserve (CSR), Chase Ink Money (Enterprise), Chase Ink Limitless (Enterprise), Chase Ink Most popular (Enterprise), and many others.
• You may transfer your UR factors from one UR card to a different at any time.
• UR factors by no means expire. You’ll lose the UR factors on one card for those who shut the account, however you may forestall dropping your UR factors by transferring the factors to a different UR card beforehand.
• When you have Chase Sapphire Most popular (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Most popular (Enterprise), UR factors will be transferred to some resort factors. Probably the greatest method to make use of UR factors is to 1:1 switch to Hyatt factors. UR factors may also be transferred to some airline miles. One of the widespread and greatest method to make use of UR factors is to 1:1 switch them to United Airways (UA) miles (Star Alliance), and mix them with the UA miles earned from the UA card. Different good choices are: Southwest (WN) (Non-alliance), British Airways (BA) (Oneworld), Virgin Atlantic (VS) (Non-alliance), and many others. In the event you use UR factors on this method, the worth is about 1.6 cents/level.
• When you have Chase Sapphire Reserve (CSR), you may redeem your UR factors at a hard and fast fee 1.5 cents/level in the direction of air tickets or inns on UR journey portal; if in case you have Chase Sapphire Most popular (CSP) or Chase Ink Most popular (Enterprise), you may redeem your UR at a hard and fast fee 1.25 cents/level in the direction of air tickets or inns on UR journey portal.
• When you have any of the UR playing cards, you may redeem your UR factors at a hard and fast fee 1 cent/level in the direction of money.
• In abstract, we estimate that UR factors are price about 1.6 cents/level.
• For extra details about UR factors, see Maximize the Credit score Card Factors Values (overview), and Introduction to UR: The right way to Earn and Introduction to UR: The right way to Use (very detailed).

Really useful Software Time

1. [5/24 Rule] When you have 5 or extra new accounts opened prior to now 24 months, Chase is not going to approve your utility on this card, regardless of how excessive your credit score rating is. The variety of new accounts consists of all bank card accounts, not solely Chase accounts. See this submit for particulars about tips on how to presumably bypass this rule.
2. The product is just not accessible to both (i) present cardmembers of any Sapphire bank card, or (ii) earlier cardmembers of any Sapphire bank card who obtained a brand new cardmember bonus inside the final 48 months. Observe that what this 48-month clock begins from if you final obtained the sign-up bonus, not the time you open the account or shut the account.
3. Don’t apply for greater than 2 Chase bank cards inside 30 days, it’s extremely doubtless that you’re going to get rejected.
4. We suggest that you just apply for this card after you’ve had different Chase bank cards for not less than 3 months, or after you’ve had a credit score historical past for greater than a 12 months.

Abstract

Though its spending rewards construction seems to be dangerous these days, CSP (or CSR) remains to be essential card for the UR factors system as a result of with CSP (or CSR) you may switch UR factors to companions to maximise their worth. The sign-up bonus is basically enticing! Nevertheless, now you may solely select from both CSP or CSR within the 48 month interval. And don’t neglect the 5/24 Rule. You actually have to decide on between CSP and CSR!

Associated Credit score Playing cards

Really useful Downgrade Choices

• Chase Freedom. Even when you have already got a Freedom, you might be nonetheless capable of downgrade your CSP to have a second Freedom.
• Chase Freedom Limitless (CFU).
• Chase Sapphire. If you’re not capable of downgrade your card to the above good playing cards, you may downgrade it to this card and attempt to product change sooner or later.

After Making use of

• Name 800-436-7927 to test Chase utility standing. That is an automatic phone line, and the knowledge has the next meanings: Obtain determination in 2 weeks means your utility might be accepted; Obtain determination in 7-10 days means your utility might be rejected; Obtain determination in 30 days merely means your utility requires additional overview and there’s nothing to inform you for now.
• Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it for those who didn’t get approve instantly. Your private data can be acquired and they’re going to then overview it. You seldom reply questions, as a substitute, simply benefit from the music and you then get accepted or rejected, or additional data is required to be hand in to the department or faxed.

Historic Affords Chart

Supply Hyperlink

Editorial disclosure: Opinions categorical listed here are writer’s alone, not these of any financial institution, bank card issuer, resort, airline, or different entity. This content material has not been reviewed, accepted or in any other case endorsed by any of the entities included inside the submit.

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