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Florida’s Attorney General has sued OpenAI and CEO Sam Altman, according to a report by NBC News. The suit accuses the company of pushing a product it knew could harm users. “The rise of OpenAI is attributable to a web of deceit and the exploitation of users (including Floridians), leveraging their data and safety to boost OpenAI’s market value at unacceptable costs,” the complaint reads.

The civil suit seeks penalties and court orders rather than criminal charges. AG James Uthmeier said the lawsuit “seeks to hold Altman personally liable for the harm he has caused Floridians through his reckless and willful conduct as founder and CEO of OpenAI, including his utter disregard for the risk to human life caused by his firms’ conduct.” Uthmeier did open up a criminal investigation into the company a couple of months back, which is ongoing.

Today’s suit accuses OpenAI of four counts of deceptive and unfair trade practices, two counts of negligence, two counts of violating product liability laws and one count each of fraudulent misrepresentation and causing a public nuisance. The suit also claims that the company’s systems present a “great danger of addiction, cognitive decline, suicide, violence and related harms” to users.

OpenAI has yet to respond to the suit, but has in the past stated that it designs its systems with “safety at every step” and that it has “safeguards in place to help people, especially teens, when conversations turn sensitive.” The company also says that its systems have been trained to “de-escalate conversations and guide people toward real-world support.”

Unfortunately, real-world events suggest otherwise. The complaint brings up a couple of recent violent incidents involving ChatGPT. A mass shooter descended upon Florida State University last year, killing two and wounding at least six, after allegedly discussing plans with ChatGPT.

These allegations suggest that the shooter was given advice on what guns to use and how to gain media attention from the chatbot. OpenAI says it was “not responsible for this terrible crime” and that the chatbot simply “provided factual responses to questions with information that could be found broadly across public sources on the internet.”

Additionally, two University of South Florida students were shot and killed earlier this year. The alleged shooter was also reportedly in contact with ChatGPT during the planning stages. A lawsuit filing suggests he received information on how to hide bodies from the chatbot.

Those are the big cases in Florida, but similar situations have been playing out throughout the world. There was a mass shooting in British Columbia back in February in which eight people were killed, including children, and dozens were injured. The alleged shooter was also reportedly in regular contact with ChatGPT and the company actually flagged the account for “gun violence activity and planning.” OpenAI, however, didn’t alert authorities and simply deactivated the account. The alleged shooter created a second profile and continued the conversation, according to another recent lawsuit.

There are also several cases in which ChatGPT allegedly assisted people in planning their own suicide. All told, OpenAI is facing at least eight lawsuits stemming from incidents of mass violence or self-harm.

Today’s suit in Florida even calls out OpenAI and ChatGPT for many of the everyday issues that we all experience with generative AI. The suit argues that the company’s advertisements, which tout the software’s ability to help farmers and other small businesses, “do not disclose that ChatGPT can be wrong, can make mistakes or that it can provide false, nonsensical or hallucinated information.”

“ChatGPT’s unreliability is dangerous,” the suit reads. Finally, the language criticizes ChatGPT’s notorious propensity for sycophancy and alleges this is an overt tactic to increase user engagement. The complaint says this practice “leads to more use of the chatbot, more training data for its improvement and more market value for OpenAI.” 



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I have a special connection with my Chase Sapphire Preferred® Card (see rates and fees).

It was my first travel rewards card, and I proudly used its rewards to make my first-ever transferable points redemption in 2023 — booking a comfortable Hyatt House in Atlanta by transferring my Ultimate Rewards points to World of Hyatt. From there, I was hooked.

The Sapphire Preferred’s premium sibling, the Chase Sapphire Reserve® (see rates and fees), has been on my radar since Chase eased eligibility requirements to carry both Sapphire cards at the same time. The card’s beloved flexible travel credit and luxurious airport lounge access have especially caught my eye.

Now, with the Sapphire Reserve’s outstanding bonus, offering 150,000 bonus points after spending $6,000 on purchases in the first three months from account opening, and solid ongoing value, I am ready to add a second Sapphire to my wallet.

Here’s a deeper dive into what’s driving my decision.

Why I’m eligible for the Sapphire Reserve

As I mentioned earlier, I became eligible for the Sapphire Reserve after Chase loosened restrictions on holding multiple Sapphire cards. I’ve never wanted to part with the simple, useful ongoing benefits of my Sapphire Preferred, and now I don’t have to if I want to enjoy the Sapphire Reserve as well.

This is because I’ve never held the Sapphire Reserve or earned its bonus. I’ve only done so with the Sapphire Preferred. If I had previously held the Sapphire Reserve, I wouldn’t be eligible.

young person on laptop with card
PEKIC/GETTY IMAGES

I’m also under Chase’s 5/24 rule right now, which means I’ve opened fewer than five new personal cards across all issuers in the last 24 months. This is important to be approved for any Chase card — not just the Sapphire Reserve.

Now that I’ve established my eligibility, let’s dive into the four key reasons I am excited to become a Sapphire Reserve cardholder.

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Related: Am I eligible for the Chase Sapphire Reserve’s bonus?

Statement credits I’ll easily use

With the Sapphire Reserve‘s steep $795 annual fee, it is important to me that I can offset that on an ongoing basis.

While there’s a long list of statement credits with the card, three stand out to me in particular.

Annual travel credit

The Sapphire Reserve’s $300 annual travel credit is one of the best perks out there. It’s flexible, applies to many different types of purchases, and is applied automatically.

Taxi stand in Hong Kong
ERIC ROSEN/THE POINTS GUY

These are some examples of what I can use this credit for:

  • Airlines
  • Buses
  • Campgrounds
  • Car rental agencies
  • Cruise lines
  • Discount travel sites
  • Ferries
  • Hotels
  • Limousines
  • Motels
  • Parking lots and garages
  • Passenger trains
  • Taxis
  • Timeshares
  • Toll bridges and highways
  • Travel agencies

An important consideration is that you won’t earn points on travel charges that are offset by the $300 credit. However, you will start earning points on travel purchases as soon as you use the full credit.

TPG’s partnerships and newsletter editor, Emily Thompson, found this credit to be useful when she moved across the country earlier this year. The ability to use it at any hotel during the road trip was a game changer.

The Edit credits

I can’t wait to have access to The Edit, Chase’s curated selection of luxury hotels, where Sapphire Reserve cardholders can unlock perks such as daily breakfast for two, room upgrades at select properties (when available) and a special benefit worth up to $100 (unique to each property but often includes a lunch or dinner for two, a spa treatment, golf green fee waivers, a welcome gift or airport transfers).

The Edit isn’t included with my Sapphire Preferred, so this will be a real upgrade.

Nimb Copenhagen hotel room
NIMB COPENHAGEN

Plus, the Sapphire Reserve provides up to $500 annually (split into two up-to-$250 credits; must be used on separate bookings) for prepaid The Edit bookings (of two nights or more).

I’ve been eyeing aspirational properties, such as Raffles London at The OWO or Thompson Madrid.

Related: Enjoy luxury perks at our favorite hotels that are part of The Edit by Chase Travel

StubHub credits

I absolutely love going to concerts, sports events and live comedy shows, so the Sapphire Reserve’s statement credits for StubHub and Viagogo purchases will be very easy for me to use up.

With the card, I’ll receive up to $300 annually (split into two up-to-$150 biannual credits; through Dec. 31, 2027).

The Sapphire Reserve offers several other credits, but these three are my favorites — and the ones I expect to use up with ease. When you add them all together, they amount to $1,100 in annual value — offsetting the card’s $795 annual fee by $305.

Related: Chase Sapphire Preferred vs. Sapphire Reserve: Which is better for you?

Access to Chase Sapphire Lounges

Ever since I got American Express Platinum Card®, I have become a true airport lounge fanatic.

Visiting the lounge has become one of my favorite parts of any trip, and I’ve experienced serious FOMO as I pass by the gorgeous Chase Sapphire Lounges, since I don’t get access with my Sapphire Preferred.

Sapphire lounge opening
CARLY HELFAND/THE POINTS GUY

Thankfully, when I add the Sapphire Reserve, I will have some more lounges to check out:

Though the Priority Pass Select membership benefit (enrollment required) I receive with my Amex Platinum includes one visit to a Chase Sapphire Lounge per calendar year, I am looking forward to expanded lounge access in general with the Sapphire Reserve.

Related: Who should (and shouldn’t) get the Chase Sapphire Reserve?

Better redemptions with Points Boost

While I’ve been accessing Points Boost through the Sapphire Preferred, I’ve long been dreaming of unlocking the sweet potential of up to 2 cents per point with the elevated Points Boost redemptions with the Sapphire Reserve.

The Sapphire Reserve unlocks:

  • Up to 2 cents per point in value on select hotel redemptions
  • Up to 2 cents per point in value on flight redemptions with select airlines
  • 1 cent per point on other eligible purchases
ZACH GRIFF/THE POINTS GUY

Meanwhile, my Sapphire Preferred currently allows:

  • Up to 1.75 cents per point in value on flight redemptions with select airlines
  • Up to 1.5 cents per point in value on select hotel redemptions

TPG senior director of content Summer Hull has even stacked The Edit credit with the Sapphire Reserve’s Points Boost for impeccable value, which is a strategy I’d love to replicate in my own upcoming travels.

Related: I saved 100,000 points and $200 on a hotel stay with this 1 booking tweak

Best-ever welcome bonus

The Sapphire Reserve is currently offering new cardholders 150,000 bonus points after spending $6,000 on purchases in the first three months of account opening.

Per TPG’s May 2026 valuations, this bonus is worth an estimated $3,075.

It’s the highest bonus we’ve seen in the card’s history and may be one of the best welcome bonuses we’ve ever seen on a personal card.

Secrets Mirabel Cancun - Aerial - rendering_Hyatt
HYATT

With this bonus, I could book multiple nights at a beautiful, all-inclusive resort such as the Secrets Mirabel Cancun Resort & Spa by transferring to World of Hyatt. Or I could book round-trip Polaris business-class tickets to Europe by transferring to United MileagePlus.

With 14 transfer partners, there’s a bevy of options for me.

Related: Why Hyatt continues to be my favorite Chase Ultimate Rewards transfer partner

Bottom line

From StubHub credits to more deals on Points Boost and premium lounges to bonus points, there were a lot of reasons for me to finally apply for the Sapphire Reserve.

Knowing how much I have enjoyed the Sapphire Preferred, going up to the next tier of premium benefits with the Sapphire Reserve will add even more luxury to my travel experiences.

The icing on the cake is that I won’t have to give up my beloved Sapphire Preferred, since I can now carry both cards — and earn the Sapphire Reserve’s fantastic 150,000-point bonus.

To learn more, read our full review of the Sapphire Reserve.


Apply here: Chase Sapphire Reserve




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