The Chase Sapphire Reserve Card is getting a major update in 2025. Long loved by travelers and foodies, this premium card now comes with a higher annual fee and fresh perks to match. If you hold this card—or plan to apply—here’s everything you need to know.
Higher Fee for The Chase Sapphire Reserve
First, let’s tackle the biggest news: the Chase Sapphire Reserve will now cost $595 per year. That’s a $45 increase from the previous $550 fee.
Chase says the fee hike is balanced by new luxury benefits for frequent flyers and dining fans. While the jump might scare off some, loyal cardholders may find the perks more than cover the extra cost.
New Lounge Access for Chase Sapphire Reserve
Next, one of the biggest upgrades to the Chase Sapphire Reserve is lounge access. The popular Priority Pass™ Select membership stays, but now you get more.
New perks include Sapphire Lounges by The Club—exclusive lounges in major airports—and Chase Sapphire Terraces, which are new premium areas for cardholders to relax before flights.
This expanded network is a clear sign that Chase wants to compete with other top-tier travel cards.
Dining Perks Upgrade for Chase Sapphire Reserve Card
The Chase Sapphire Reserve Card has always been a favorite for food lovers. In 2025, it steps up even more.
Cardholders now get special restaurant reservations through Chase’s concierge service, plus new deals with food delivery partners. Expect possible credits or discounts when ordering in.
These upgrades aim to keep dining perks fresh and useful, even when you’re not traveling.
New Business Version of Chase Sapphire Reserve Card
One exciting addition is the new business version of the Chase Sapphire Reserve Card. Designed for entrepreneurs, this card offers many of the same luxury perks but focuses on business expenses too.
Business owners can earn bonus rewards for travel and dining, plus access tools to manage costs. This move could make Chase more competitive in the small business market, where premium perks are in high demand.
Why Chase Sapphire Reserve Card Is Changing
Why make these updates now? Simple: competition. The premium travel card market is crowded, with heavy hitters like the Amex Platinum and Capital One Venture X always adding new benefits.
By improving lounge access, boosting dining perks, and offering a business option, Chase wants to keep the Chase Sapphire Reserve Card on top.
The new features show that Chase is serious about giving cardholders extra value—even if it means charging more upfront.
Is Chase Sapphire Reserve Card Worth It in 2025?
So, is the Chase Sapphire Reserve Card still worth it with a $595 fee? It depends on how much you travel and dine out.
It’s likely worth it if you:
-
Travel often and use lounges
-
Take advantage of the $300 annual travel credit
-
Enjoy premium dining reservations and food delivery perks
It may not be for you if you:
-
Rarely travel or use lounges
-
Want a lower annual fee card (like the Chase Sapphire Preferred®)
-
Don’t spend enough to maximize the perks
It’s wise to compare this card with other premium cards before renewing or applying. For some, the benefits will outweigh the costs. For others, a simpler card might save money.
Standing Seats in Airlines: New Travel Option from 2026
What Should Cardholders Do Now?
If you have the Chase Sapphire Reserve, take time to check if you’re getting your money’s worth. Review how often you:
-
Visit lounges
-
Use travel credits
-
Book exclusive dining reservations
If you find you’re not using the perks enough, you could downgrade to the Chase Sapphire Preferred to save on fees while keeping your points.
Business owners should consider the new business version to maximize work travel and meal expenses.
Final Thoughts on Chase Sapphire Reserve Updates
The Chase Sapphire Reserve changes are all about delivering more value to premium travelers and food lovers—but at a higher price.
Lounge upgrades, better dining deals, and a business option keep the card competitive. For loyal cardholders, these perks can easily outweigh the new $595 fee. For others, switching to a lower-cost option might make more sense.
To see full details and compare cards, visit the official Chase site.
For help choosing the best premium travel card for you, check out our guide to travel credit cards for a side-by-side look at top competitors.
