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Chase is completely revamping the Sapphire Reserve card.
- They’re raising the annual fee from $550 to $795, but offsetting this with what they say is more than $2,700 in credits.
- They’re changing points-earning by replacing 3 points per dollar on all travel with 4 points per dollar on airline and hotel spend. All travel spend through Chase’s portal will earn 8 points per dollar (even airline tickets, and The Edit hotels increase from just 3x!).
- And they’re changing redemption by replacing 1.5 points per dollar on spend through Chase’s portal with Points Boost offering up to 2 cents per point on eligible hotel and airline itineraries.
There are a lot of moving pieces here. Frankly I think it’s brilliant as I’ll explain in a follow up post. But suffice to say that, while some members will find reason to be disappointed, overall I think they’ve done a really great job re-engineering the economics of the card both to benefit their own book and to offer more value to cardmembers.
New Points Earning Rates
Chase Sapphire Reserve has earned 3x on travel and dining, plus 10x on hotels and cars and 5x on flights booked through their travel portal. New earn rates are:
- 4x on flights and hotels booked direct
- 3x on dining
- 8x on all bookings through Chase travel (air, hotels, car rentals, cruises, activities, etc)
- 1x on all other eligible spend
They’re trading out 3x on all travel for 4x on flights and hotels booked direct, and shifting to a straight 8 points per dollar through their portal including on airfare.
- For those of you willing to book flights through a travel portal this is incredibly lucrative.
- For those who book direct, 4x makes the card competitive enough with Amex Platinum’s 5x to use it for flight bookings.
- And at 4x I’d honestly use this card for all of my hotel spending, forgoing any hotel’s co-brand products, except where you need spend on that card to contribute towards your hotel status.
While some will lament the loss of 3x earning for things like Uber, car rentals and parking I’d note that you can still get 8x on car rentals through Chase’s portal if you prioritize points-earn over status recognition, and suggest you look at how much you spend on those newly excluded categories versus how much you spend on hotels and airfare. For me, it’s heavily skewed towards hotels and airfare. The only place I lose is that it’s the card I would normally use for Airbnb or Vrbo when I’m stuck with one of those.
A Higher Annual Fee – And Over $2,300 In Credits
Chase Sapphire Reserve’s annual fee goes up from $550 to $795 for new card applicants starting June 23. Existing cardmembers migrate to the new set of benefits October 26, 2025 so will see the new annual fee with their renewals after that date.
Authorized users will go up to $195. There are no changes to authorized user benefits, but of course authorized users receive lounge access, including Priority Pass, on the same basis as primary cardholders.
There is a huge portfolio of credits that will justify this increased annual fee.
- $300 annual Travel Credit: There is no change to this benefit. It continues to apply to all travel spend.
- $500 Edit hotel credit: $250 twice semi-annually, applies to two-night minimum stays.
- Global Entry / TSA PreCheck / NEXUS credit: No change to this credit, worth up to $120 every 4 years
- $300 Annual Dining Credit: $150 twice semi-annually for “Sapphire Reserve Exclusive Tables” restaurants (bookable on OpenTable, ‘curation by The Infatuation & Visa Dining Collection’) I find that many of the restaurants I actually visit are part of the platform.
There are a dozen restaurants in Austin eligible so far. There are even restaurants in Milwaukee. But it’s currently just 289 restaurants – Chase says the list is growing. I’ve archived the list, accurate only as of today, here (.xlsx). If you frequent small towns this will be less helpful.
- $250 combined Apple TV+ & Apple Music subscription credit: If you spend on these, it’s real money back in your pocket. Otherwise it’s a good reason to sign up.
- $300 StubHub/viagogo ticket credit: $150 twice annually
- $120 Lyft credits: $10 monthly, plus 5x earn on Lyft through September 30, 2027. This is the current benefit, and in my mind a devaluation from the previous 10x earn rate for Sapphire Reserve cardmembers.
- $300 DoorDash credits and one year of DashPass: up to $25 monthly
- $120 Peloton Membership credit + 10× on Peloton equipment and accessories over $150 not something I personally value but many of you still have Peleton bikes. The $120 credit is $10 monthly.
Since I spend on travel, the $300 credit is nearly as good as cash (not quite as good, because this spend doesn’t earn points in the new 4x category since you’re getting the money back). I’ll legitimately use the $500 Edit credit, ideally stacked with PointsBoost 2 cent redemptions, hotel points-earning and elite status and The Edit on-property benefits.
Chase also says they’re launching Vacation Homes as part of their travel offerings next month, where you’ll earn 8x. Vrbo just eliminated rewards-earning for those without Expedia elite status, and Airbnb still doesn’t have a loyalty program.
Their $300 annual dining credit is something I’ll use like cash since I eat at these restaurants anyway. In fact, I’m really impressed by the list of restaurants. It doesn’t matter how you make the booking, and there’s no prepayment involved. It’s a rebate on spend at those restaurants.
Combine that with $300 with Stubhub and $300 with DoorDash, along with $120 in Lyft (since I use Lyft many times each month already) I’m getting over $1,800 in credits which is more than double the card’s annual fee. And that’s without valuing AppleTV, Global Entry (I have many cards which offer this) or Peleton.
Another way to think about this, though, is that if you hold Sapphire Reserve today then you’ve capitalized it as being worth $550. Holding the rest of the card’s changes aside, are they providing at least $245 in incremental value with a $500 Edit hotels credit, $300 dining credit, $300 StubHub credit, $250 Apple TV+/Music credit, and much bigger DoorDash credits? That seems like a no brainer, honestly, as much as I chafe at the model generally of ‘higher card annual fees and a series of credits you need to use to make up for it’. I’ll easily get real value from the credits on spend I’m already doing each month.
Points Boost Replaces 1.5x Travel Redemptions
The card earns Chase Ultimate Rewards points that can be transferred to a number of airline and hotel partners.
- Star Alliance: United MileagePlus, Singapore Airlines KrisFlyer, Air Canada Aeroplan
- oneworld: British Airways Executive Club, Iberia Plus
- SkyTeam: Air France KLM Flying Blue, Virgin Atlantic Flying Club
- Non-alliance: Southwest Airlines Rapid Rewards, Aer Lingus AerClub, Emirates Skywards
- Hotels: World of Hyatt, Marriott Bonvoy, IHG One Rewards
Park Hyatt Chicago
One useful feature of the card, though, is that you could spend the points at 1.5 cents apiece in value towards any travel booked through Chase’s online portal. You wouldn’t necessarily get as much value as redeeming for a business class award to Europe, but you wouldn’t have to worry about award availability. You could just buy any flight or hotel for sale, using your points as payment at a reasonable rate.
With the card’s changes, 1.5 cent redemptions will drop to just 1 cent. However the new ‘Points Boost’ benefit gets added where you can redeem at up to 2x on rotating offers for hotels that are part of Chase’s more than 1,100 property The Edit portfolio and airfare. The card also comes with spending credit with The Edit bookings, those reservations don’t preclude hotel loyalty program points and status-earning, and come with extras like free breakfast and a $100 property credit.
Points Boost is also available on Sapphire Preferred and Ink Business Preferred and Plus cards. Chase tells me,
The air inventory for Points Boost will include Economy, Premium Economy, Business and First-Class. Points Boost offers for flights are dependent on the cabin classes and offers will range from 1.25x up to 2x based on airline, cabin class and card.
o paint a picture for what cardmembers can expect at launch, they will see airlines including United Airlines, Air Canada, Southwest Airlines, Emirates, Qantas, Singapore Airlines and more.
All hotels in The Edit program (1,100+) will be included in Points Boost with 2x the value, as well as thousands of additional top booked hotels through Chase Travel that will be boosted up to 2x the value.
Existing cardmembers get the best of both worlds. Current Sapphire Reserve cardmembers (and those applying in the next couple of days) keep 1.5× Chase Travel redemptions on points held in their account as of October 26, 2025 until October 26, 2027. Until then the best offer (1.5x or Points Boost) will be auto-applied.
New Benefits For High Spenders
Spending $75,000 per year on the card earns:
- IHG One Rewards Diamond Status: this is IHG’s top tier of status, though it doesn’t come with the benefits that are earned at night thresholds like food and beverage credits or confirmed suite upgrades. Diamond comes with a 100% bonus on base points earned at IHG properties; complimentary upgrades up to suites if available; free breakfast; early check-in and late check-out, if available.
- Southwest Airlines Rapid Rewards A-List Status: including first checked bag free; priority check-in and boarding; 25% points bonus; same day confirmed changes. And when Southwest moves to assigned seating, A-List members get preferred seats at booking and extra-legroom seats within 48 hours of travel. Spending on this card is a workaround for Southwest’s recent program changes.
- $500 Southwest credit: on bookings made via Chase Travel.
- $250 Shops at Chase credit: pay with card or points at brands including Baccarat, Bang & Olufsen, Breitling, Callaway, CALPAK, Cuisinart, Dyson, Samsonite, SMEG, Solo Stove, SONY, Therabody, Tory Burch, and TUMI. The shop is also available to Ultimate Rewards customers with Freedom, Sapphire and Ink cards.
Now there’s a reason to put additional spend on the card, potentially even outside of accelerator categories of air, hotel and dining.
Additional Benefits
While cardmembers spending $75,000 earn IHG Diamond status, all Reserve cardmembers will receive IHG Platinum through December 31, 2027.
The card continues to offer some of the best travel protections, like trip delay and cancellation and primary collision damage waiver on car rentals.
And Chase’s acquisition of Frosch International Travel finally has an integration, branded as ‘Reserve Travel Designers concierge,’ cardmembers gain access to dedicate travel agents.
No Changes To Airport Lounge Access
When I met with Chase about these changes there was a bit of smirk in the air over changes being made to a rival’s lounge network. They emphasized that there is no plan to change lounge access provided by this card – it continues to offer access to Chase Sapphire Lounges for the cardmember and two guests, and they aren’t making cuts to their Priority Pass Select which currently includes two guests.
Chase airport lounges:
| Airport | Size (sq ft) | Opened | Key notes |
|---|---|---|---|
| New York–LaGuardia (LGA) | 21,800 | Jan 2024 | Two-story design; Reserve Suites; Face Haus spa; arcade; broad a-la-carte & buffet program |
| Boston Logan (BOS) | 11,500 | May 2023 | Tap-room with local beer; massage chairs; showers; kids’ playroom |
| New York–JFK (JFK) | 7,600 | Jan 2024 | Shared Etihad space; full cocktail & dining menu; showers |
| Washington Dulles (IAD) | 5,200 | Mar 2024 | Shared Etihad space; compact but full service offering |
| Philadelphia (PHL) | 20,000 | Feb 2025 | Beer-garden zone, shuffleboard, retro arcade, rest pods, Face Haus facials |
| San Diego (SAN) | 10,000 | Dec 2024 | Wellness area with private pods & meditation; full F&B |
| Phoenix (PHX) | 3,500 | Nov 2024 | Small and overrun, limited amenities |
| Hong Kong (HKG) | 12,000 | Oct 2022 | Extensive buffet + small menu |
Known lounge pipeline:
- Dallas/Fort Worth (DFW): ~ 18,000 sq ft in terminal D
- Las Vegas (LAS): ~ 4,500 sq ft in terminal C
- Los Angeles (LAX): ~9,200 sq ft in the Tom Bradley International Terminal
Bar at Chase Sapphire Lounge Philadelphia Airport
New Card Design
Starting June 23, cards will be issued with a new design. This was teased last week through Chase’s social channels. Chase tells me that the new card is heavier, at 19.6 grams.
How To Play These Changes To Your Advantage
I expect that there will be big bonus offers coming to support such a big product refresh. You might want to hold off applying for a few days to take advantage of those.
On the other hand, you may want to just on the card immediately even accepting that you might be forgoing a larger bonus.
New cardmembers get benefits starting June 23rd, existing cardmembers transition to the new system October 26 but have access to Points Boost right away.
Chase Sapphire Preferred will be losing 1.25x through the Chase travel portal, and gaining access to Points Boost. Sapphire Preferred doesn’t lose its broad travel category for accelerator spend.
You can still lock in the current $550 Sapphire Reserve annual fee for the first year applying before June 23, and more importantly you lock in the grandfathering of 1.5x redemption through Chase’s portal for two years on points in your account. In the meantime, you’ll gain access to the new set of statement credits this fall.
Similarly, if you have a Sapphire Preferred that’s more than a year old you might consider product changing to Sapphire Reserve in the next couple of days to get in on the ‘old’ version of the card as well (this would forgo a Sapphire Reserve initial bonus altogether, however).
@gary. When are these changes going into effect? I’ll be in Vegas early October and the restaurant credit would be valuable then
The loss of 3x on all travel cannot be emphasized enough, and will be its death knell. No coupon-pimping of this card can make up for that, and the increase in annual fee. One must be able to EARN points at a reasonable clip to make redemption/transfer options worthwhile and justified. That has now been gutted. This one is a hard pass.
You have to be mentally unhinged to think this is a good value. The lengths some of these bloggers are going to just so they can justify these changes is ludacris.
A perfect example is Gary saying
There is a huge portfolio of credits that will justify this increased annual fee.
Following up with the first bullet point being…
$300 annual Travel Credit: There is no change to this benefit. It continues to apply to all travel spend.
Are we sure the Credit Card Competition Act didn’t pass or anything?
Unless Gary’s holding out on us, the Ink Business Preferred is my way to work around the 3X travel elimination. Sure, it’s an additional $95, but hell, at these annual rates, what’s another hundred?
The loss of 3x on travel is awful. Coupon booking is miserable. 3x on travel was key. Included all airfare bookings include those for work that can’t be made through the Chase (or Amex) portals, all hotels, parking, etc.
Gary – if you think this is such a good value – apply for the card, and show us you actually got more value than the annual fee.
This “I consider this $5 credit valid on Tuesdays and Wednesdays in June like cash” is not relevant to the lives of most people who work actual, productive jobs. Bloggers notwithstanding.
$245 increase in annual fee and over $1400 increase in credits. Probably more points earning for most.
If you redeemed through the portal at 1.5x you don’t like this. Those who rarely did may like the occasional 2x.
@boilers direct airfare now earns 4x not 3x. Same with direct hotels.
@Mike – new card not available to apply for until June 23
@ Gary — “For those who book direct, 4x makes the card competitive enough with Amex Platinum’s 5x to use it for flight bookings.” I assume that what you really mean is “For those who book direct, 4x makes the card competitive enough with Amex Platinum’s 5x to close your over-priced AMEX Platinum coupon book.” That’s a $695 savings right there!
The changes are a positive for a narrow subset of travelers – those who stay at high end hotels twice a year, live near one of these premier restaurants in a city, don’t mind overpaying for grocery delivery, and don’t care about loyalty programs and just book through a travel portal. For everyone else, it becomes harder to justify the ever increasing AF and reduced travel rewards outside of hotel/air
The Edit hotels – the prices are crazy.
And the hoops to go through the Open Table site, it’s not any Open Table restaurant. It appears there are only ‘selected’ restaurants in a handful of major cities that qualify under the Visa Dining Collection. Correct me if I am wrong.
I’d rather NOT have those credits and NOT have a price increase.
Between killing off 3% on all travel and the elimination of the 1.5% point value, this, for me, will be the end of the Reserve, which I’ve held since it came out and have long considered to be the best travel card on the planet.
The new perks are stupid for most. Few people living outside of major American cities use Lyft. Their Edit hotels are on the expensive end of what probably 90% of their users book. Apple TV is nice for a handful of folks and that’s it.
For anyone that spends most of their time traveling outside the US, most of the new perks are basically useless, but come at the cost of the 3% on travel and 1.5% points. To those flying a lot, no, this probably doesn’t compare to the points that come with co-branded airline cards, including Chase’s own.
This is the end of the CSR. Oh well. Got almost a decade out of it. It was nice while it lasted.
All the major new credit categories come with major strings attached (limitations on vendors, spreading of coupons over months, etc), as does this ambiguous 2% “point boost” and tends to force you into luxury products to redeem the credits. If you are traveling frequently and staying at luxury hotels maybe this makes sense for you, but for the busy person who only gets to take one vacation a year and is seeking value this seems like a much worse benefits package. Maybe that’s part of Chase’s vision though, to cull the value-seeking clients in favor for the wealthy frequent vacationing and high-end dinning clients.
@ Gary — I assume these Edit Hotel stays do not earn status? That would make using them just as annoying as the Hotel Collection/FHR and Hilton Aspire certs. Why does one need to be burdened with another random hotel stay that you “have” to use every year? The next great card will solve this problem.
Gary,
What Chase consumer card should I downgrade to?
There’s no value to me for the additional “benefits” and I’m not willing to pay the higher annual fee.
@Nick C – this was my thought, exactly. Those who don’t value, or are willing to forego, loyalty benefits can find advantage here. Certainly some arguments can be made to abandon loyalty programs. But, for those of us who still find value there, booking through portals is a non-starter. So this is not an add.
In our case, we use these Chase UR points to convert to Hyatt. Buying Hyatt here now earns 4X, same as the Hyatt card. So, for us, no advantage.
I do like to use airline cards (primarily AA) for airline purchase to get more of their miles, and LPs, in the case of AA. But I can make a case for doing some of these through Sapphire for 4x.
Overall, I’ll have to weigh this, but Gary’s “Blew up the model” assessment of this change is definitely overblown.
Cheers.
This article must be parody right? This is a major downgrade for most cardholders and nothing but fluff here, like north korean state media. Can’t call out Chase, they fill your pockets too much?
3x travel gone, 1.5x on portal gone, $1k AF if your spouse is an AU. And now you have to play all sorts of games and buy crap you never wanted with their coupons. This article is pathetic.
Freedom to use awards when and wherever is what we want. This is a mess, and a huge mistake for Chase. MMW, this card is toast. They don’t have the Amex name or the lounge network to ram a card like this down peoples throats.
I’m guessing they will Delta this and backtrack a bit once everybody cancels.
I don’t think the loss of 3x travel everywhere is a huge deal, since you can get that on the Ink Preferred. But the loss of across-the-board 1.5 cpp value is gargantuan; if they additionally fail to renew PYB categories at the end of the month, the value of URs will have essentially decreased by 33%, which I believe is the biggest deval of a transferable currency we’ve ever seen.
That being said, I do appreciate the long time horizon; at least URs in our accounts by mid-October will be redeemable at 1.5 cpp for a while.
@Gary, I assume URs need to be in the CSR account specifically? So we should combine URs in CSR accounts before d-day?
We are semi-retired and P2 gets 9 weeks of total PTO including holidays (which we turn into extended weekend trips except: Memorial, 4th July and Thanksgiving ).
I kinda of enjoy the gamifacation of the “couponing” and we pay around $9K in AF but easily get that and easily 2X-3X cash value.on ROI -10 years ago would have been a different story – but were empty-nesters live in a foodie town and eat out on a regular basis
The Oct 26th is annoying as it kills 25% of the value (monthly credits) for existing card holders but the $300 Travel credit is unexpected and many thought it would disappear- we dropped CSR July 2020 with the increased AF albeit GF rate – we had 4 PP Experiences at PDX 2 x $28. But those locations already had gre a greatly reduced C19 hours 10AM-2PM for much of C19.
Like Gary we to already eat at some of the Chase Dinning locations -so that’s net $300 (but not till Oct – I do wonder if they will make them semi-annual like Amex Gold.$50 Resy and other credits.
The EDIT is a mixed bag with the two night minimum $350 off two nights vs $300 off 1 night with FHR (but only 1X use) but the free brekkie for two days -we did get 2PM late check-out via Renowned Hotels (UA Quest $150 credit and $100 Amentiy – exact same booking platform) but the Fairmont Whistler did give us 2PM late check-out in May.
I did PC both our Freedom cards yesterday to CSR – so i will have to look at our plans for later 2026-27 and decide if we keep after the AF increase. I’m also curious with the forth coming Amex Plat Refresh.
I hate this. All of it. The pretend hype. Feels like the ‘this is fine’ dog meme (sitting there with his house on fire.)
The loss of 3x travel is major, especially for rental cars, cruises, and other major travel company expenses. Until Chase ruins the CSP, it’ll earn 2x, which is better than the 1x CSR will now earn. BILT may be better at 2x, because at least no AF, no foreign fees, and they have Hyatt/United/Alaska for transfers.
These credits add insult to injury. Another coupon book. Amex-style, but worse. Edit is a joke. 2 nights minimum blows. Split to semi-annual. Vomit.
Me. No. Likey.
@David G – Sapphire Preferred to preserve points transfers to airlines and hotels?
@Gene – The Edit hotels do count towards status
@Gene – fair!
I suspect most bloggers will be supremely disappointed by their affiliate payouts for this one.
While it’s entirely possible that the little happy about these changes are staying quiet while those upset are disproportionately expressing their frustration, both here and from the many comments on Doctor of credit, people overwhelmingly don’t like the changes. Many of the new benefits (Edit and exclusive tables stand out) won’t ever be used by many because the cost to use them is extremely high that the benefit isn’t of any value to many. I’ve never used the Amex Platinum $200 FHR benefit, for example. DoorDash and Apple TV might be easier to take advantage of but still not worth $245 extra. Killing 1.5 cpp for unpredictable points boosts is also a negative in my book. Gary, I can understand why it might be better for you and for some, but I’m very surprised that you are overwhelmingly happy with these changes despite the broader frustration from others.
Reducing awards for cruises (currently labeled as Travel related) from 3x to 1x is a huge reduction for me. I hope it doesn’t happen.
Don’t eat at super fancy restaurants. Don’t shop at exclusive retail stores. Use Uber not Lyft. Don’t use Peleton. Stay at reasonable but nice hotels (I just sleep there). Fly domestically – AA and Delta – not on the list. And, certainly, don’t use travel agencies. So …? (AMEX – as you are considering response, might want to keep in mind not to go down same rabbit hole as you’ve demonstrated you’re thinking about doing) Would like – news electronic credits (NYT/WSJ), streaming app credits (Apple+, Netflix, etc), music streaming credits (Spotify, SiriusXM), cell credits, … stuff we use.
Used to read this blog and have been following for at least 6 years. But after seeing this post, with all its complete lies to how valuable the new benefits are, I think I’m done being a loyal reader of view from the wings.
Follow-up – the October 25th start date really kills a lot of value as the EDIT credits are alá Amex Aspire $200 semi-annual Resort credits that have to be used during the Jan-June and July-Dec (and the credits for Dell, Saks, etc)
Never owned an Apple product since using the Apple IIc in elementary and preferred the open system of PCs/Android (for a shortwhile linger). But have watched some Apple TV shows with the T-mo free trial – but both daughters went to the dark side.
We already have many streaming serivces for free or.discounted from one benefit or another but time is still limited time one can watch the plethora of options
We do attend concerts (mainly thru VetTix but not all artist we want to see offer tickets).
So long term the card is not likely a keep past the first $795 AF
I’ve had CSP for 6 + years, and my renewal was 2.5 years ago. This card would be useful to me if and only if I’d earn the Sapphire bonus. The benefits I’d use would be the lounges and the $300 travel credit. I travel 99% on points, so earning points on airlines and hotels isn’t a factor.
@ Gary — Counting towards status is awesome!
Perhaps my early onset dementia is kicking in but just reading this article is exhausting. I can’t actually imagine trying to track / manage all these card “benefits” to see that I recoup fair value.
@gary- your link to available restaurants is wrong – its not the visa dining collection – it is a much smaller list using the link that chase has on their page explaining new restaurants – like Bad Roman is not included so maybe you dont go to a bunch of those
I thought the somewhat recent $20 per month increase on Doordash was too good to be true. Now I realize that they were setting up for this change. It’s time to let go of CSR. I will miss the lounge at LGA. Sad 🙁
No, thanks. Too much to keep track of. Too many coupons to clip. I have a life to live.
$795 Coupon Book straight out of the late 80s. This will work for some people, but last thing I want in a card is with every purchase etc I’ve gotta consult a cheat sheet to see if using this card will get me 4x points 1x or this is where I need to use if for a credit.
Absolute hard pass, they are our of their minds.
Compensation has challenged your judgment.
Great article, Gary. Best read on the changes I could find today.
FYI – I think your Excel spreadsheet for the Sapphire Reserve Exclusive Tables restaurants may be a bit outdated. For instance, Detroit is now up to twelve from the four you had in the sheet. All of them receive high marks from me, so I’m sure I’ll be using the benefit twice a year, which is great!
The main thing I used my points for was 1.5x redemptions in the chase travel portal, usually for airfare, and Chase just cut the value of my points balance by 33%.
My experience with Chase Travel is also that it SUCKS HARD the second you need any sort of service, so having to book through that portal to get the best benefits is another big negative.
I want to book what I want to book at 1.5x, I don’t want to have to book what Chase Travel wants me to book at 2x.
I’m probably a non-renewal, but maybe Chase is intentionally firing me as a customer.
Chase is just culling the herd and looking to make a higher aggregate profit.
If the new coupons work for you, then great news, but a lot of people will not find value with these changes. The UR ¢1.5 / point elimination is what may do it for me. I will probably downgrade at renewal to a CSP to use up the points balance, and sign up for a different travel card. The Venture X, even with the devaluation, is looking like a strong contender.
@Brendan – the spreadsheet was accurate as of last night, not all Visa dining restaurants are eligible for the Sapphire dining credit as I understand it. And thank you!
Do restaurants outside of the US qualify for the open table dining credits? I am currently in Toronto Canada and there are a bunch of restaurants here under the open table exclusive tables platform
@Russ – there was no compensation for this article, and no referral links in this post. I did not even eat the provided lunch when I met with Chase midday to go over the changes.
@michael j chill – my list of available restaurants is the linked spreadsheet, not my link to visa dining
Assuming the 4x hotel doesn’t cover airbnb/vrbo, what’s the best card for that spend now?
It’s a good reminder to pull forward some of those payments before the October changes take effect…