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Chase Sapphire Reserve®

Rates and Fees

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Annual Fee: $550

Bonus Miles
Bonus Points
60,000
Recommended Credit
740 - 850
Current Offer

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℠.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
60,000
Bonus Points

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℠.

Summary

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). ***

Earning Rewards

  • 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

Additional Benefits

  • Receive a $300 travel statement credit reimbursements each anniversary year
  • Complimentary membership to Priority Pass lounges
  • Access to the Chase Sapphire Lounge by The Club
  • Get 50% more value when you redeem for airfare, hotels, car rentals, and cruises through Chase TravelSM. For example, 60,000 points are worth $900 toward travel.
  • Receive one statement credit of up to $100 every four years for Global Entry, TSA PreCheck, or NEXUS
  • Discounts on DoorDash with free DashPass subscription (Must be activated by December 31, 2024)
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

Foreign Transaction Fee

  • None

Also consider

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Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

🏆 Best for premium travel perks

75,000
Bonus Miles
Earn 75,000 bonus miles after spending $4,000 in the first 3 months.
75,000
Bonus Miles
Earn 75,000 bonus miles after spending $4,000 in the first 3 months.
The Venture X (one of our favorites!) is a premium travel rewards card that offers generous earning rates on travel and dining purchases, along with a wide range of travel perks and benefits. Cardholders can enjoy flexible redemption options for their rewards, making it a popular choice for frequent travelers.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for luxury benefits

The Platinum Card® from American Express

The Platinum Card® from American Express

The Platinum Card® from American Express

🏆 Best for luxury benefits

80,000
Bonus Points
Earn 80,000 Membership Rewards® points after spending $8,000 within the first six months.
80,000
Bonus Points
Earn 80,000 Membership Rewards® points after spending $8,000 within the first six months.
The Amex Platinum is a premium card offering a range of exclusive travel and lifestyle benefits, including access to luxury airport lounges, annual travel credits, and Membership Rewards points that can be redeemed for travel or other rewards. With a high annual fee, this card is designed for individuals who value premium perks and are frequent travelers looking to enjoy a heightened level of luxury and convenience.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Chase Sapphire Reserve®

CURRENT OFFER

60,000

Bonus Points

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℠.

REWARDS RATE
ANNUAL FEE
$550
Daily Drop Score
90
out of 100
Annual fee (20%)
8
Welcome Offer (20%)
9
Point Redemption Value (20%)
7
Rewards Rates (15%)
6
Benefits (15%)
5
Travel Protections (10%)
4
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Pros and Cons

The 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.

The 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.

Rewards Summary

  • 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

Additional Benefits

  • Receive a $300 travel statement credit reimbursements each anniversary year
  • Complimentary membership to Priority Pass lounges
  • Access to the Chase Sapphire Lounge by The Club
  • Get 50% more value when you redeem for airfare, hotels, car rentals, and cruises through Chase TravelSM. For example, 60,000 points are worth $900 toward travel.
  • Receive one statement credit of up to $100 every four years for Global Entry, TSA PreCheck, or NEXUS
  • Discounts on DoorDash with free DashPass subscription (Must be activated by December 31, 2024)
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

Customer Reviews

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How to make the most of your

Chase Sapphire Reserve®

Where to Transfer Your Points

PROGRAM NAME
TRANSFER RATIO
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Our Favourite Redemptions

Offer History

OFFER DATES
OFFER DETAILS
April 1, 2024
to
May 1, 2024
Earn 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
May 1, 2024
to
May 8, 2024
Earn 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
June 3, 2024
to
June 10, 2024
Earn 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

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Chase Sapphire Reserve®

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