Chase Sapphire Reserve®
- Annual fee
- $550, each authorized user: $75 per year
- Recommended credit
- Excellent
- Card network
- Visa
- Regular purchase APR
- 21.99% to 28.99% variable based on creditworthiness and Prime Rate
At a glance
With the Chase Sapphire Reserve® card, luxury and travel rewards come together with this upper-tier card, which offers an attractive points system and includes a lengthy list of perks for any jet setter.
Our review of the Chase Sapphire Reserve®
The Chase Sapphire Reserve® is the ultimate travel card for points enthusiasts. Known for its exceptional redemption value, this card also offers perks like lounge access and travel credits.
How to Get the Card
- Age 18 or older
- U.S. mailing address (no PO Boxes)
- SSN or ITIN
- FICO Score above 670
- Proof of income
Welcome Offer
Receive a signup bonus of 60,000 Ultimate Rewards points after spending $4,000 in the first three months. This bonus has a cash value of $900 toward travel when redeemed through Chase Travel℠ .
Earn Triple Points on Travel and Dining
The Chase Sapphire Reserve earns 3X points on travel and dining. Additionally, cardholders earn 10X points on dining, hotel stays, and car rentals booked through Chase Travel, and 5X points on air travel purchased through Ultimate Rewards.
How to Redeem Points
Chase Ultimate Rewards offers a variety of redemption options, including statement credits, gift cards, travel, shopping, and charitable donations. Cardholders can also transfer points to partner loyalty programs.
50% Additional Redemption Value with Ultimate Rewards
Reserve cardholders get 50% more redemption value through the Ultimate Rewards program, making travel redemptions even more lucrative.
Ultimate Rewards Transfer Partners
Chase allows 1:1 point transfers to airline and hotel loyalty programs like Aer Lingus, Emirates, British Airways, and more.
Sapphire Reserve Benefits
The Chase Sapphire Reserve offers perks like a $300 annual travel credit, Global Entry or TSA PreCheck fee credit, DoorDash & Caviar benefits, and Priority Pass Select membership.
Sapphire Reserve vs. Sapphire Preferred
- Reserve earns more points on travel and dining but has a higher annual fee compared to Preferred.
Amex Platinum vs. Chase Sapphire Reserve
- Platinum offers more benefits but comes with a higher annual fee compared to the Sapphire Reserve.
What We Like About the Sapphire Reserve Credit Card
The Chase Sapphire Reserve is perfect for frequent travelers and dining enthusiasts, offering exclusive perks and robust travel protections.
Things to Consider
If you’re a frequent traveler who can maximize the rewards and benefits, the Sapphire Reserve is a great choice. However, if you prefer a lower annual fee or travel less often, explore other credit card options.
FAQs
Here are some common questions about the Chase Sapphire Reserve Visa Infinite, along with answers to help you make an informed decision.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 1:1 point transfer to leading airline and hotel loyalty programs • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
Who this card may suit
- You travel often and want a card that provides worldwide value
- You eat at restaurants frequently
- You plan to use rewards for travel, which provides the best value for redemption
- You want a card with no foreign transaction fees
Rates, fees and terms
| Annual Fee | $550, each authorized user: $75 per year |
|---|---|
| Regular Purchase APR | 21.99% to 28.99% variable based on creditworthiness and Prime Rate |
| Balance Transfer APR | 21.99% to 28.99% variable based on creditworthiness and Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.74% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each transaction, whichever is greater |
| Penalty APR | Up to 29.99% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $40 |
| Return Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.
Apply Now for Chase Sapphire Reserve® (opens in a new tab)View issuer terms for Chase Sapphire Reserve® (opens in a new tab)
Chase Sapphire Reserve®
Apply Now for Chase Sapphire Reserve® (opens in a new tab)You will leave this site for the issuer’s page. Confirm current terms there.
Similar cards
Capital One Venture X Rewards Credit Card
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in…
- Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital…
- Annual fee
- $395
- Recommended credit
- Excellent / Good
- Purchase APR
- 21.99% - 28.99% variable based on creditworthiness and the Prime Rate
Mastercard® Titanium Card™
- Designed for those seeking an introductory premium travel card with exceptional airfare redemption, access to hotel…
- Offers a flat-rate redemption value of 1% for cash back or 2% value for airfare redemption with no airline or seat…
- Annual fee
- $195 ($95 for each Authorized User added to the account)
- Recommended credit
- Excellent
- Intro APR
- 0% introductory APR for the first fifteen billing cycles following…
Synovus Business Travel Rewards Visa® Credit Card
- 0% introductory APR on purchases, balance transfers and overdraft protection for the first 6 months
- Annual fee of $50, which is waived for the first year
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Intro APR
- 0% for 6 months from account opening date