Chase
The New Chase Sapphire Reserve Credit Card
Key Features
| Annual Fee | $795.00 |
| Regular APR | 19.49Min. of (6.75+12.74) and 29.99%–27.99Min. of (6.75+21.24) and 29.99% variable APR. |
| Other Fees | $195 for each authorized user For any additional guests, your card will be charged $27 per guest, per visit. Additional guests are allowed for a fee (currently $59 USD at US lounges, $59 CAD at Canadian lounges, £59 GBP in the UK and €59 Euros in Europe) per guest, per visit. |
| Network | Visa |
About this card
The New Chase Sapphire Reserve Credit Card presents a mixed bag. Its rewards program is undeniably strong, providing substantial value for frequent travelers who can leverage the bonus categories and travel credits. However, the exorbitant annual fee of $795 and high APR significantly detract from its overall appeal. The card's value proposition is highly dependent on maximizing its benefits, and even then, the high cost makes it less attractive compared to competitors. While the perks like lounge access and elite status are nice, they don't fully justify the price for the average consumer. The reputation of Chase as an issuer is generally positive, but the card's cost structure ultimately limits its overall rating.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Annual travel credit
- Luxury perks
- Lounge membership
- Automatic elite status
- No foreign transaction fees
Things to consider
- High annual fee
- High regular APR
- Additional fees for guests
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- Earn 125,000 points after you spend $6,000 in purchases in the first 3 months from account opening
Rewards
- 8x points on all purchases through Chase Travel, including The EditSM
- 4x points on flights booked direct
- 4x points on hotels booked direct
- 3x points on dining worldwide
- 1x points on all other purchases
- 5x total points on Lyft rides through 9/30/2027.
- 10x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/2027.
Other features
- $300 annual travel credit Get the most flexible travel credit compared to any other card, with up to $300 in statement credits for travel purchases each account anniversary year. Purchases that qualify will not earn points.
- $500 credit for stays with The EditSM Up to $250 in statement credits from January through June and again from July through December for prepaid bookings made with The Edit. Two-night minimum. Purchases that qualify will not earn points.
- Enjoy complimentary benefits like a $100 property credit, daily breakfast for two, room upgrades (if available) and more.
- IHG One Rewards Platinum Elite Status Get complimentary IHG One Rewards Platinum Elite Status with your Sapphire Reserve card through December 31, 2027.
- Reserve Travel Designers Build and book a custom itinerary that unlocks hidden gems and new experiences around the world with a Reserve Travel Designer. This personalized service is valued at up to $300 per trip.
- $469 Priority PassTM Select membership Enjoy access to 1,300+ airport lounges worldwide, plus every Chase Sapphire Lounge by The Club with up to two guests, with a complimentary Priority Pass Select membership.
- Global Entry, TSA PreCheck®, or NEXUS fee credit Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
- $300 dining credit Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually when you dine at restaurants part of the Sapphire Exclusive Tables program on OpenTable.
- $288 in Apple TV and Apple Music subscriptions Get complimentary Apple TV, the exclusive streaming home of Apple Originals. Plus Apple Music – all the music you love, across all your devices. Subscriptions run through 6/22/2027 - a value of $288 annually.
- $120 DashPass Membership Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders when you activate by 12/31/2027.
- $300 in DoorDash promos DashPass members get up to $25 each month to spend on DoorDash, which includes a $5 monthly promo to spend on restaurant orders and two $10 promos each month to save on groceries, retail orders, and more. Available through 12/31/2027.
- $300 in StubHub credits Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually for StubHub and viagogo purchases through 12/31/2027. Activation required.
- $120 in Lyft credits Get up to $10 in monthly in-app credits to use on rides through 9/30/2027.
- $120 in Peloton credits Get $10 in statement credits per month on eligible Peloton memberships through 12/31/2027, for a maximum of $120 annually. Activation required.
- Access our network of airport lounges Escape the crowds and settle into elevated comfort with access to any Chase Sapphire Lounge by The Club with up to two complimentary guests.
- Access over 1,300 airport lounges worldwide with your complimentary Priority PassTM Select Membership.
- Get access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada and Europe with an eligible boarding pass.
- Auto Rental Coverage Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad.
- Trip Cancellation and Interruption Insurance Reimbursed up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses.
- Trip Delay Reimbursement Covered for unreimbursed expenses up to $500 per covered traveler when common carrier travel is delayed more than 6 hours or requires an overnight stay.
- Travel Accident Insurance Eligible to receive up to $1,000,000 in accidental death or dismemberment coverage.
- Travel and Emergency Assistance Provides legal and medical referrals and access to other travel and emergency assistance services.
- Lost Luggage Reimbursement Provides reimbursement up to $3,000 per covered traveler for checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
- Baggage Delay Insurance Reimburses up to $100 a day for up to 5 days for essential purchases when baggage is delayed over 6 hours.
- Emergency Evacuation and Transportation Covered for medical services and transportation up to $100,000 when 100 miles or more from home.
- Roadside Assistance Covered up to $50 per incident 4 times a year.
- Emergency Medical and Dental Reimbursed up to $2,500 for medical expenses, subject to a $50 deductible, when 100 miles or more from home on a trip.
- Purchase Protection Covers eligible new purchases for 120 days against damage or theft up to $10,000 per item.
- Return Protection Reimbursed for eligible items the store won't accept within 90 days of purchase, up to $500 per item, $1,000 per 12-month period.
- Chip-enabled for enhanced security
- 24/7 Fraud Monitoring
- Zero liability protection
- Extended Warranty Protection Extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less.
- No foreign transaction fees Spend anywhere in the world with no foreign transaction fees on one of the most widely accepted global networks.
Additional Notes
This credit card is unavailable to you if you currently have one open. The new cardmember bonus may not be available to you if you currently have any other personal Sapphire cards open, previously held this card or received a new cardmember bonus for this card. We may also consider the number of cards you have opened and closed, as well as other factors in determining your bonus eligibility.

