Chase
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 | Authorized user fee: $195 for each authorized user |
| Network | Visa |
About this card
The Chase Sapphire Reserve is a premium travel card with excellent rewards and benefits but is held back by its high annual fee and APR. The reputation is strong, and for frequent travelers, the value proposition is good, as they can easily utilize the travel credit and other perks to offset the fee. The rewards program is very strong, with high earning rates on travel and dining, flexible redemption options, and a valuable sign-up bonus. However, the APR is high, and the annual fee is a significant barrier for many users. The target audience is affluent travelers who can maximize the card's benefits. Considering the mix of strengths and weaknesses, the overall rating is 3.5. Its high annual fee impacts its overall value, especially for those who may not fully utilize its travel benefits. However, its reputation in the market is exceptional.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Luxury perks
- Lounge membership
- Automatic elite status
- No foreign transaction fees
- Transfer partners
Things to consider
- High annual fee
- High regular APR
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
- $500 credit for stays with The EditSM
- $550+ in value when you stay with The Edit
- $250 credit for select Chase Travel Hotels
- IHG® One Rewards Platinum Elite Status
- Reserve Travel Designers
- $850+ in value with the Chase Sapphire Reserve Lounge Network℠
- Global Entry, TSA PreCheck®, or NEXUS fee credit
- $300 dining credit
- $288 in Apple TV and Apple Music subscriptions
- $120 DashPass Membership
- $300 in DoorDash promos
- $300 in StubHub credits
- $120 in Lyft credits + 5x points
- $120 in Peloton credits + 10x points
- Access to Chase Sapphire Lounges by The Club and 1,300+ Priority PassTM airport lounges with up to two guests
- Access to select Air Canada Maple Leaf Lounges and Air Canada Cafés with eligible boarding pass
- Events and experiences access
- Auto Rental Coverage
- Trip Cancellation and Interruption Insurance
- Trip Delay Reimbursement
- Travel Accident Insurance
- Travel and Emergency Assistance
- Lost Luggage Reimbursement
- Baggage Delay Insurance
- Emergency Evacuation and Transportation
- Roadside Assistance
- Emergency Medical and Dental
- Purchase Protection
- Return Protection
- Chip-enabled for enhanced security
- 24/7 Fraud Monitoring
- Zero liability protection
- Extended Warranty Protection
- No foreign transaction fees
- No blackout dates or travel restrictions
- 1:1 Point transfer
- Ultimate Rewards points do not expire
- Points Boost
- Dedicated customer service available 7 days a week
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.