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Chase Sapphire Reserve® Credit Card
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Chase

Chase Sapphire Reserve® Credit Card

TravelLuxuryFlat-Rate RewardsDiningHotelAirlineIntro OfferNo Foreign Transaction Fees

Key Features

Annual Fee$795.00
Sign-up BonusEarn 100,000 points
Rewards Rate1x-10x Points
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
Priority Pass additional guests: $27 per guest, per visit
Air Canada lounges additional guests: $59 USD at US lounges, $59 CAD at Canadian lounges, £59 GBP in the UK and €59 Euros in Europe per guest, per visit
NetworkVisa
Best for those with
Excellent Credit

About this card

The Chase Sapphire Reserve® Credit Card earns an 'Excellent' overall rating of 4.0. This top-tier travel card is exceptionally strong for its intended audience: affluent, frequent travelers who can fully leverage its extensive benefits. The card's rewards program is outstanding (4.8/5.0), offering generous multipliers on travel and dining, a highly valuable sign-up bonus, and unparalleled flexibility through Chase Ultimate Rewards with an elevated redemption value for travel or 1:1 transfers to airline and hotel partners. It boasts a robust suite of premium travel perks, including a flexible $300 annual travel credit, comprehensive airport lounge access, and a multitude of statement credits for various services like Apple, DoorDash, Lyft, Peloton, and StubHub. Combined with strong travel and purchase protections and no foreign transaction fees, these features deliver significant value. However, the card is held back by its very high annual fee of $795 (Fees Rating: 1.9/5.0) and a substantial $195 fee for authorized users. While these costs can be largely offset by utilizing the numerous benefits, they represent a considerable upfront financial commitment. The regular variable APR is also notably high (19.49%-27.99%) with no introductory APR period (APR Rating: 1.5/5.0), making it an extremely expensive option for anyone carrying a balance. The card's strong reputation (4.3/5.0) among experts and its clear market positioning for its target demographic contribute to its high rating. While some users express frustration with the 'coupon book' nature of certain benefits and issues with the third-party travel portal, for those who can organically maximize its perks and pay their balance in full, the Chase Sapphire Reserve offers an outstanding and valuable experience, making it a very strong overall choice despite its notable weaknesses.

4.0
Overall Rating

Pros & Cons

What's great

  • Generous sign-up bonus
  • High rewards rate
  • No foreign transaction fees
  • Lounge membership
  • Transfer partners
  • Extensive travel benefits and insurance

Things to consider

  • High annual fee
  • No intro APR period
  • High regular APR
  • High authorized user fee
  • Additional fees for lounge guests

What this card offers

Sign-up bonuses

  • Earn 100,000 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: Receive a statement credit of up to $250 for each prepaid booking with The Edit, up to $500 annually. Two-night minimum. Purchases that qualify will not earn points.
  • $550+ in value when you stay with The Edit: Book your stay through The Edit by Chase Travel and receive complimentary benefits such as a property credit, daily breakfast for two, a room upgrade (if available) and more - an average total value of over $550 per stay.
  • $250 credit for select Chase Travel Hotels: Get up to $250 in statement credits through 12/31/26 on prepaid Chase Travel hotel bookings for stays with IHG Hotels & Resorts, Montage Hotels & Resorts, Pendry Hotels & Resorts, Omni Hotels & Resorts, Virgin Hotels, Minor Hotels, and Pan Pacific Hotels and Resorts. Two-night minimum required. Purchases that qualify will not earn points.
  • 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.
  • $850+ in value with the Chase Sapphire Reserve Lounge NetworkSM: Enjoy complimentary access to Chase Sapphire Lounges by The Club and 1,300+ Priority PassTM airport lounges worldwide with up to two guests - valued at over $850 when you and your guests visit multiple times each year.
  • 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: 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 + 5x points: Get up to $10 in monthly in-app credits to use on rides through 9/30/2027. Plus, earn 5x total points on Lyft rides through 9/30/2027.
  • $120 in Peloton credits + 10x points: Get $10 in statement credits per month on eligible Peloton memberships through 12/31/2027, for a maximum of $120 annually. Activation required. Plus, earn 10x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/2027.
  • Access our network of airport lounges: Access to any Chase Sapphire Lounge by The Club with up to two complimentary guests and over 1,300 Priority PassTM lounges worldwide.
  • Events and experiences: Access special ticket packages and private experiences with artists and talent.
  • Auto Rental Coverage: Primary coverage and 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 travel is delayed more than 6 hours or requires an overnight stay.
  • Travel Accident Insurance: Up to $1,000,000 in accidental death or dismemberment coverage when transportation is paid with your card.
  • Travel and Emergency Assistance: Provides legal and medical referrals and access to other assistance services.
  • Lost Luggage Reimbursement: 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 when baggage is delayed over 6 hours.
  • Emergency Evacuation and Transportation: Coverage 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 from the date of purchase 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 eligible U.S. manufacturer’s warranties by an additional year on warranties of three years or less, up to four years from purchase date.
  • No foreign transaction fees.
  • No blackout dates or travel restrictions when booking through Chase Travel.
  • Point transfer to leading airline and hotel loyalty programs.
  • Ultimate Rewards points do not expire as long as the account is open.
  • Points Boost: Points are worth up to 2x on top booked hotels, including The Edit, and flights with select airlines through Chase Travel.
  • Dedicated customer service: Exclusive access to a dedicated customer service team available 7 days a week.
  • Unlock even more benefits: Spend $75,000 each calendar year and unlock status and credits with leading travel and shopping brands. Benefits include World of Hyatt Explorist Status, IHG One Rewards Diamond Elite Status, $250 Credit for The Shops at Chase, $500 Southwest Airlines Chase Travel credit, and Southwest Airlines A-list status.

Additional Notes

This credit card is unavailable to you if you currently have this card open. The new cardmember bonus may not be available to you if you 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 in determining your bonus eligibility.

Ratings

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