Chase Sapphire Reserve — 125,000 Ultimate Rewards Sign-Up Bonus (2026 Review)
Key Benefits
- $300 annual travel credit
- $300 dining credit (Sapphire Reserve Tables)
- $300 StubHub credits
- $120 DashPass membership
- $120 Lyft credit ($10/mo)
- Priority Pass lounge access
- Global Entry/TSA PreCheck credit
Overview
The Chase Sapphire Reserve is currently offering 125,000 Ultimate Rewards after $6,000 in purchases within 3 months. It carries a $795 annual fee, offset by roughly $300 in year-one statement credits. Estimated net year-one value: $755 based on a 1¢ per-point valuation.
Who This Card Is For
Cardholders who can fully use the 125,000 Ultimate Rewards bonus, the $300 in credits, and any travel benefits — and who'd find the value even after the $795 annual fee.
How to Maximize the Sign-Up Bonus
To hit the $6,000 requirement in 3 months, you need about $2,000 per month in organic spend on this card. Route any predictable monthly bills you'd otherwise pay from a debit card — utilities, groceries, gas, streaming subscriptions — through the Chase Sapphire Reserve until you've earned the 125,000 Ultimate Rewards bonus. Mind your issuer rules: Chase will deny this if you've opened 5+ personal cards in the last 24 months. Use the year-one credits early — they often expire on a calendar cycle, not 12 months from account opening.
Pros
Cons
How This Compares
Within Chase's personal lineup, the closest comparison is the Chase IHG Rewards Premier (175,000 IHG Rewards after $5,000/3mo, $99 AF). The Chase Sapphire Reserve is the right pick when you value premium benefits and credits over a no-fee structure.
Frequently Asked Questions
What's the current Chase Sapphire Reserve sign-up bonus?
As verified directly from the issuer offer page, the current bonus is 125,000 Ultimate Rewards after spending $6,000 on purchases within 3 months of account opening.
What's the Chase Sapphire Reserve annual fee?
The annual fee is $795. It is partially offset by approximately $300 in year-one statement credits.
Does the Chase 5/24 rule apply to this card?
Yes. If you've opened five or more personal credit cards in the last 24 months, Chase will auto-deny this application regardless of credit score.
How long does the Chase Sapphire Reserve sign-up bonus take to post?
Once you cross the $6,000 spend threshold, the bonus typically posts within 1–2 statement cycles — call it 6–8 weeks from the day you hit the requirement. Track the milestone in Stacks OS Spending so you don't miss the deadline.
Get a personalized bonus sequence, requirement tracking, and deadline reminders — all in one place.
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Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.