For luxury travelers and high-flying entrepreneurs alike, Chase has just set a new bar for premium credit cards in 2025. Introducing the all-new Chase Sapphire Reserve and the first-ever Chase Sapphire Reserve for Business — two cards that promise unmatched rewards, premium travel perks, and annual benefits that easily offset their annual fees for discerning cardholders.
Chase Sapphire Reserve 2025: Still the King of Premium Travel Cards
Originally launched in 2016, the Chase Sapphire Reserve quickly became a cult favorite among frequent travelers. Now, the 2025 refresh raises the stakes even higher with more points on travel and dining, new redemption bonuses, expanded luxury hotel benefits, and a network of premium airport lounges that rivals American Express Centurion Lounges and Capital One Lounges.
Key highlights of the new Chase Sapphire Reserve:
- 8x points on all purchases made through Chase Travel, up from the previous 5x or 10x tiers.
- 4x points on flights and hotels booked directly with airlines and hotels.
- $500 annual credit at The Edit — Chase Travel’s curated collection of over 1,100 luxury hotels and resorts worldwide. Think free breakfasts, room upgrades, and $100 property credits at handpicked properties.
- Points Boost: A game-changing feature that lets cardholders redeem points at up to 2x value on select flights and hotels through Chase Travel. This replaces the old 1.5x redemption multiplier but offers greater value on premium bookings.
- $300 flexible annual travel credit — still the most generous and easiest-to-use travel credit on the market.
- $300 annual dining credit plus exclusive access to Sapphire Reserve Exclusive Tables — a curated list of hard-to-get restaurant reservations on OpenTable.
- Premium lifestyle credits: $300 StubHub credit for live events, $250 in Apple TV+ and Apple Music subscriptions, $120 in Lyft credits, up to $120 for Peloton memberships, and $300 annually in DoorDash promos plus free DashPass.
- Elite hotel status: Complimentary IHG One Rewards Platinum Elite, with an upgrade to Diamond Elite when you spend $75,000 in a calendar year.
- Top-tier travel protections: Primary rental car insurance, trip cancellation and interruption coverage, and access to a 24/7 dedicated Sapphire customer support team.
- Expanded lounge access: Complimentary entry to Chase Sapphire Lounge by The Club (with stunning lounges already in Boston, LaGuardia, and Philadelphia, plus upcoming locations in Dallas, Las Vegas, and LAX). Also includes Priority Pass Select membership for over 1,300 lounges globally, plus Air Canada Maple Leaf Lounges when flying Star Alliance.
The card’s new annual fee is $795, with authorized user cards at $195. For luxury travelers who book at least a couple of high-end trips per year, the card’s perks more than make up for this cost.
Chase Sapphire Reserve for Business: The Premium Card Entrepreneurs Have Been Waiting For
Perhaps the most exciting part of Chase’s 2025 announcement is the introduction of the Chase Sapphire Reserve for Business — a first for Chase and a serious rival to the American Express Business Platinum Card.
While it mirrors the personal Sapphire Reserve’s rich travel benefits, it’s finely tuned for the modern business owner who values travel comfort, generous points on business expenses, and credits for essential business tools.
Top features of Chase Sapphire Reserve for Business:
- 8x points on Chase Travel and 4x points on flights and hotels booked direct — just like the consumer version.
- 3x points on advertising purchases with social media platforms and search engines, perfect for brands running digital campaigns.
- $500 annual The Edit credit, giving businesses access to luxury hotel perks when booking through Chase Travel.
- Points Boost, offering up to double the redemption value for points on select premium flights and hotels.
- $300 flexible travel credit, $120 Global Entry/TSA PreCheck/Nexus credit, and the same robust travel protections as the personal card.
- Exclusive business service credits: $400 ZipRecruiter credit for hiring, $200 Google Workspace credit for AI tools, and $100 Giftcards.com credit for employee appreciation.
- Lifestyle perks: $300 annual DoorDash credit with free DashPass, $120 Lyft credits, and 5x points on Lyft rides.
- Premium loyalty upgrades: Spend $120,000 in a year to unlock IHG Diamond Elite status, Southwest Airlines A-List status, and a $500 credit to The Shops at Chase, an exclusive shopping portal with luxury brands like Dyson, Sony, Therabody, and Tumi.
- Airport lounge access: Unlimited access to Chase Sapphire Lounges by The Club, Priority Pass Select lounges, and two guests allowed per visit for the primary cardholder.
Like the consumer card, the Sapphire Reserve for Business comes with a $795 annual fee, but additional employee cards are free — a major plus for companies with frequent travelers.
Should You Get One — Or Both?
If you’re a traveler who values elevated experiences, easy-to-use perks, and first-class service, the new Chase Sapphire Reserve continues to be one of the best premium travel credit cards available. Its redesigned points earning, luxurious hotel partnerships, and robust travel protections make it an unbeatable choice for both frequent flyers and occasional vacationers who want the best.
Meanwhile, if you run a business and spend significantly on travel, advertising, or team perks, the Sapphire Reserve for Business is arguably the most compelling premium business card on the market today. Unlike most business credit cards, it combines top-tier travel perks with generous points on ads and everyday business tools — plus valuable credits that real companies actually use.
Final Thoughts: Premium Cards Worth the Hype
Whether you choose the Chase Sapphire Reserve for personal travel or the Sapphire Reserve for Business to reward yourself and your team, you’re getting a powerhouse card that goes far beyond just points. With exclusive hotel benefits, easy statement credits, premium airport lounge access, and unique perks like Points Boost and Exclusive Tables, Chase has ensured that Sapphire Reserve remains the gold standard for luxury travelers and elite spenders.
Both cards officially launched on June 23, 2025, with existing Sapphire Reserve cardmembers receiving the new benefits on October 26, 2025.
Ready to elevate your journeys? Explore your options, crunch the numbers, and discover why these cards are some of the most rewarding investments you can make for your lifestyle and your business in 2025.
