Should you like your sapphire in the reserve? – Number man

Chase Neelam Favorites That (Look Rates and fees) And this Chase Neelam Reserve® (Look Rates and fees) All our time favorite are Travel Award Credit Card,

Both cards are great for those wishing to earn valuable Chase the final award pointsBut this is the place where the overlap ends. Neelam favorite is a popular mid-tier travel card, but many of it lack Premium perk He was introduced by his elder brother -in -law, Neelam Reserve.

The Neelam Reserve has an $ 795 annual fee, which is $ 700 more than $ 95 annual fee of Neelam choice. recently Neelamani reserve refreshyou can now Hold both cards at onceBut just because you cannot mean this.

There are six compelling reasons here that you consider upgrading your sapphire liked in the sapphire reserve.

Airport lounge access

Lounge access is a good way to avoid the stir of the terminal. Lounges provide food and beverages, comfortable seating, workpiece and topical shower.

When Neelam liked Does not offer any lounge access, you can go to the following lounge Sapphire reserve,

• Chase Neelam Lounge: Card holders get admission for themselves and two honorable guests Chase sapphire loungeThese lounges are excellent and rival American Express’ Centurion Lounge In quality. Currently eight lounges are open, with three more confirmed plans on the way.
• Priority Pass Lounge: Cardholders can enter over 1,700 priority Pass Louns around the world and two grant guests ($ 27 per person for additional guests after the first two) bring.
• Select Air Canada Maple Leaf Lounge: When flying on Star Alliance carrier, cardholder can enter 20 Air Canada Maple Leaf Lounge And bring it into a guest.

In addition, chess Neelam Reserve accounts (each cost $ 195 per year) can enter the Neelam Lounge and get a complete priority pass membership.

Connected: Chess’s traveling your guide for insurance coverage

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From Firsthand Experience, this insurance really matters, especially when your Travel is delayed,

Neelam liked Provides $ 500 per ticket for a delay of at least 12 hours or requires overnight stay. Sapphire reserve The same provides the same $ 500 coverage amount, but it kicks only after six hours.

After a delay of six hours, you may be reimbursed for essential items such as food, transport, stay in a hotel and toilets, which you may need to be delayed.

Connected: If you have credit card protection, should you get travel insurance?

One way to capitalize on your points is booked through travel Chase Travel ℠You can redeem the points at a certain price with chase trip or use new Boost Responent option.

With promoting points, you can get up to 1.75 cits per number Neelam liked But up to 2 cents per number Sapphire reserve While cashing on to select chase travel booking. While the difference may appear modest, it quickly adds large amounts of digits through the chase journey.

Note that TPG Credit Card Author Daniel Ahmed It was found that to achieve these high redemption rates, you would have to book a premium cabin on selected airlines like Air Canada and United Airlines or Book Hotel via Edit.

Connected: What is the difference between promoting the editing properties and points of chase?

Sapphire reserve Earns:

• 10 points per dollar spent Peloton equipment and accessory purchase $ 150 or more (through December 31, 2027), with a maximum of 50,000 marks
• 8 points per dollar spent on the purchase made through Chase Yatra, including editing
• 5 points per dollar spent on lyft ride (30 September, 2027)
• 4 marks spent directly on books and hotels were booked directly
• 3 points per dollar Meal Worldwide
• 1 point per dollar spent on all other purchases

meanwhile, Neelam liked Earns:

• 5 points per dollar spent on the journey booked through Chase Yatra
• $ 150 or more with a maximum of 25,000 points (31 December, 2027) spent 5 points per dollar on peloton purchase.
• 5 points spent on LYFT (30 September, 2027)
• 3 digits spent on food
• 3 points spent on selected Streaming services
• 3 digits dollars spent online grocery (Leaving the target, walmart and wholesale clubs)
• 2 points per dollar spent on all other travel
• 1 point per dollar spent on all other purchases

Despite the sapphire, all the dollars spent on travel earns 2 points per dollar, which chase Roughly definesThe Neelam Reserve is better favorable for those who book flights and hotels directly. This earns 4 points per dollar in these categories, 8.2% returns based on August 2025 of TPG ValuationIt is one of the best cards to use for these purchases.

Finally, if you book a journey often through chase travel, the Neelam Reserve earns 8 points per dollar per dollar, while Neelam likes only 5 points per dollar per dollar. If you are often booking travel in this way, it can make Neelam a more rewarding option.

Connected: Chase ultimat rewards sweet spot: from international business class to domestic journey

If you want to achieve the status of a hotel elite, you are in luck because the sapphire provides the reserve automatic IHG is the status of a platinum aristocracy (Through 31 December, 2027).

The situation provides benefits on the stay at 60% bonus points, component upgrade, early check-in and late checkout (when available) at 2 pm.

Connected: IHG One Rewards: How to earn and redeem the points, elite situation and more

Chase sapphire reserve Provides Effective set of statement creditThe total of more than $ 2,000 in the annual value when fully used. Most of these credits are easy for average cardholders, especially taking advantage of apples, dining, stabhub and travel credit.

Meanwhile, Neelam offers an annual hotel statement credit of $ 50 year $ 50 for the hotel booking a hotel made through the favorite Chase Travel (the final award will not earn the first $ 50 prize points in hotel shopping). If you are able to use this credit, it brings only $ 45 to the effective annual fee of sapphire favorite.

If you can also use half of the credit offered on the Neelam Reserve, it will be more than covering the annual fee, making the upgrade easily appropriate.

Connected: Why I will never cancel my chase sapphire reserve

There are two ways to “upgrade” Sapphire reserveI recommend with the first one.

Gives your sapphire first priority

There are new rules about chase Reception bonus eligibility Its sapphire card, and not everyone will be eligible for bonuses.

You can qualify for Sapphire reserve If you have never found the Neelam Reserve Welcome Bonus, then welcome bonus, and you are not an active sapphire card holder (including Neelam favorite).

Here’s how to do this: First, downgrad your sapphire either liked Chase Freedom Flex® (Look Rates and fees) Or Chase freedom unlimited® (Look Rates and feesThen, wait at least one week and apply for the Neelam Reserve.

To learn more, see our guide Sapphire reserve welcome bonus eligibility,

Connected: Am I eligible for the bonus of Chase Neelam Reserve?

Product change

The easiest way to upgrade Sapphire reserve Product is for change. This means your converted Neelam liked For a sapphire reserve. If approved, you will keep your account and card number – but you will not earn the Neelam Reserve Welcome Bonus.

To dow or upgrade your card, call the number behind your card or log into the chase app and send a safe message. Say that you want to change your card to the product, and follow the instructions of the representative.

It is important to note that, since the Neelam Reserve is a visa infinite card, you will need a credit limit of at least $ 10,000. If your sapphire does not like, the credit range does not have a high level, then you have to request the first credit range. A chase representative confirmed this with me when I was watching my sapphire upgrading.

Connected: Answer to your biggest chase sapphire reserve questions: from bonus eligibility to earning rates

Catch both sapphire card

Since you are allowed to keep both sapphire cards, you can apply for the Chase Neelam Reserve keeping your sapphire favorite. If approved, you will pay the combined $ 890 in the annual fee, but the pair can offer excellent value with strong points-Kamai capacity.

To further promote your awards, consider adding Chase freedom unlimited To complete Chase triafectaWith this setup, you will earn at least 1.5 points per dollar spent on all purchases, which will maximize your return to the ranges spent.

Just remember, you will be subject to 5/24 rules of chase While applying for the Neelam Reserve – and you will not earn the Neelam Reserve Welcom bonus.

Connected: When should you ignore the 5/24 rule of chase?

For more information, read our complete review Neelam liked And Sapphire reserve Card.

Apply here: Chase Neelam liked
Apply here: Chase sapphire reserve