Chase is marking the Sapphire Reserve's 10th anniversary with limited-time travel statement credits, an upgraded DoorDash benefit running through the end of 2029, and a 10-million-point contest for existing cardholders, according to coverage published September 16-17, 2026. Here is what each offer includes, what it takes to unlock, and how to weigh it against a fixed personal loan before funding a large purchase.
What the Chase Sapphire Reserve 10th Anniversary Includes
According to Chase and coverage from CNBC Select, Upgraded Points, One Mile at a Time, and View from the Wing published September 16-17, 2026, the anniversary has three parts.
Limited-time travel statement credits: $250 back on a $1,000 Miraval or Alila (World of Hyatt) stay, $200 back on a $200 JSX semi-private flight, $125 back on a $500 SIXT premium car rental, and $350 back on a $1,500 Wander vacation home, with activated offers and payment completed by December 14, 2026, plus $125 back on a $500-plus IHG stay paid by October 16, 2026.
An upgraded DoorDash benefit: from October 1, 2026 through the end of 2029, cardmembers get a complimentary DashPass membership, which Chase values at $120 a year, plus up to $35 in monthly credits – one $15 promo on any qualifying order and two $10 promos for groceries and essentials. Outlets note this raises the old $5 monthly restaurant credit to $15, lifting total monthly value from $25 to $35.
A contest from September 16 to November 6, 2026, giving away 10 million Ultimate Rewards points across 10 finalists, with a 5.5-million-point grand prize that includes over 5 million points toward a trip planned with a Reserve Travel Designer.
The Fine Print: Activation, Spending Thresholds, and Availability
The rules decide whether any of this is usable. The travel offers require activation and payment made directly with each partner; bookings through the Chase Travel portal do not qualify. Chase also states the offers may not be available to all cardmembers, and View from the Wing reports availability varies by account, so some cardholders will not see them at all.
Stacking all five offers yields up to $1,050 in credits, but Upgraded Points calculates this takes roughly $3,700 in partner spending and advises using only offers that match trips you planned anyway. CNBC Select flags thresholds such as $1,500 for a vacation home or $1,000 for a hotel stay as hard to use for budget-conscious cardholders. Two more limits stand out: the SIXT offer excludes cards opened after August 25, 2026, and the IHG offer must be booked through a different channel than the card's separate $250 select-hotel credit for 2026. The DoorDash upgrade, worth up to $420 a year for heavy users by Upgraded Points' estimate, runs only through December 31, 2029 rather than being permanent.
Premium Card vs. Personal Loan: How to Compare Them for a Large Purchase
On the card side, CNBC Select's listing, which notes its highlights are issuer-provided, shows a $795 annual fee, a variable APR of 19.49%-27.99%, a 100,000-point bonus after $6,000 of spending in the first three months, and a credit score requirement in the excellent range (740-850). Listed benefits include a $300 annual travel credit, up to $300 a year in dining credits through Sapphire Reserve Exclusive Tables, Priority Pass Select and Chase Sapphire Lounge access, 3x points on dining, 4x on flights and hotels booked direct, 8x through Chase Travel, and no foreign transaction fees. These figures can change, so confirm current terms with the issuer.
No source cited here covers credit union personal loan rates, terms, or eligibility, so treat the loan side as questions to ask your credit union: Is repayment fixed, with a set monthly payment and a defined end date? What fees apply on top of interest? Then ask the sharper card question: do these credits reward spending you already planned, or pull you toward about $3,700 in partner purchases to collect $1,050 back while carrying a balance at up to 27.99% variable APR?
Conclusion
The anniversary perks reward planned travel and dining spending; they are not a borrowing tool. If a large purchase would leave a balance carrying over, the issuer-provided numbers matter most: a $795 annual fee and a 19.49%-27.99% variable APR, as listed by CNBC Select. Before you decide, write down the card's all-in cost – the annual fee plus the roughly $3,700 in partner spending the full credit stack requires – then call or visit your credit union and ask about current personal loan rates, terms, and monthly payments, so you can compare both options side by side on paper.
Disclosures and limitations
- AI-assisted content notice: this article was produced with AI assistance for an independent, credit-union-focused education site and is based only on the cited September 2026 research sources (Chase offer statements as reported, CNBC Select, Upgraded Points, One Mile at a Time, and View from the Wing). Nothing here is an offer, application, or endorsement of any product.
- Evidence and compensation boundaries: card fees, APR, bonus, and benefit details are issuer-provided highlights reported by CNBC Select and may change; confirm current terms with the issuer. No cited source covers credit union personal loan rates, terms, or eligibility, so ask your credit union directly. This site may earn compensation through affiliate or referral relationships with financial providers, which could influence how or whether products appear; it does not alter the sourced facts above.
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Sources
- Celebrating 10 Rewarding Years of Sapphire Reserve | Chase — chase.com
- Chase celebrates the Sapphire Reserve’s 10th anniversary with new credits and a 5.5 million-point grand prize — CNBC
- 10 Years of Chase Sapphire Reserve: New Perks, Big Contest — UpgradedPoints.com
- Chase Sapphire Reserve 10th Anniversary Brings Travel Savings, Bigger DoorDash Credit — One Mile at a Time
- Chase Sapphire Reserve Turns 10 With Up To $1,050 In Travel Offers—And A Bigger DoorDash Credit — View from the Wing
- Chase Sapphire Reserve Marks 10 Years With New Travel Offers and 10 Million Points Contest — Danny the Deal Guru