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Chase Sapphire Reserve®

Rates and Fees
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Bonus Points
Estimated Value
Recommended Credit
740 - 850
Annual Fee
Current Offer

Earn 60,000 Ultimate Rewards points after spending $4,000 within the first three months from account opening.


The incredible travel rewards earned from this card more than make up for the high annual fee. It's a premium travel credit card tailored for frequent travelers seeking luxury perks and rewards. With a focus on travel benefits, this card offers a generous welcome offer, airport lounge access, travel statement credits, and valuable rewards through the Chase Ultimate Rewards program, making it an excellent choice for travelers.

***Chase Bank only allows you to sign up for one Sapphire card, so you have to choose between the Sapphire Preferred and the Sapphire Reserve (this card). ***

  • 10X per $1 on hotels and car rentals through Chase after the first $300 is spent on travel purchases annually
  • 10X per $1 on Lyft rides (ending March 31, 2025)
  • 5X per $1 on flights purchased through Chase (after the $300 travel credit is used)
  • 3X per $1 on travel (after the $300 travel credit is used) and dining purchases
  • 3X per $1 on dining at restaurants, including eligible delivery services, takeout, and dining out
  • 1X per $1 on all streaming services, online grocery purchases, and all other purchases

👍 Pros

  • This card's point values can increase by 50% when travel is booked through Chase Ultimate Rewards.
  • And, this card offers some of the highest rewards for travel and dining purchases when you use the Chase portal.
  • The annual fee can be bypassed by the yearly $300 travel credit.

👎 Cons

  • Authorized users will cost $75 annually and this card does not offer any introductory APR period.
  • Other cards offer better deals on lounge access.

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