The Chase Sapphire Reserve® is one of the most prestigious travel credit cards available today.
With its impressive rewards program, luxury travel perks, and extensive benefits, it is the ideal choice for frequent travelers looking to maximize their spending.
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*Choose the credit limit you want on your credit card and see the available options:
CARDS: LIMIT OF UP TO $1,000 CARDS: LIMIT OF UP TO $3,000 CARDS: LIMIT ABOVE TO $8,000
$550
1x-10x
60,000
720-850 (Excellent)
Why Choose the Chase Sapphire Reserve®?
This card is designed for individuals who travel frequently and want to make the most of their purchases. The Chase Sapphire Reserve® offers a high reward rate on travel and dining, access to premium travel services, and valuable redemption options through Chase Ultimate Rewards®.
Key Features
- Earn 10X points on hotels and car rentals when booked through Chase Ultimate Rewards®.
- Earn 3X points on other travel and dining worldwide.
- 50% more value when redeeming points for travel through Chase Ultimate Rewards®.
- $300 annual travel credit, effectively reducing the high annual fee.
- Complimentary access to over 1,000 airport lounges worldwide via Priority Pass™ Select.
- Up to $100 statement credit for Global Entry or TSA Pre✓®.
- Luxury hotel benefits, including room upgrades and late checkout.
Generous Sign-Up Bonus
New cardholders can earn 60,000 bonus points after spending $4,000 in the first three months of account opening. That’s equivalent to $900 in travel when redeemed through Chase Ultimate Rewards®.
See how to applyCost and Fees
- Annual Fee: $550
- Authorized User Fee: $75 per additional user
- Foreign Transaction Fees: None
Although the annual fee is high, the benefits and rewards more than make up for the cost for those who travel frequently.
Maximizing Your Rewards
To get the most out of the Chase Sapphire Reserve®, cardholders should:
- Use the card for all travel and dining purchases to maximize the 3X rewards.
- Book hotels and car rentals through Chase Ultimate Rewards® to earn 10X points.
- Take advantage of the $300 annual travel credit to offset travel costs.
- Use the lounge access and other travel perks whenever possible.
Travel Perks That Elevate Your Experience
The Chase Sapphire Reserve® isn’t just about rewards; it enhances your travel experience in meaningful ways:
- Comprehensive travel insurance, including trip cancellation/interruption insurance.
- Emergency medical and evacuation coverage when traveling abroad.
- Primary rental car insurance, protecting against damage or theft.
- Exclusive hotel benefits, including early check-in and complimentary upgrades at partner properties.
Is the Chase Sapphire Reserve® Worth It?
For frequent travelers who spend a lot on travel and dining, this card is one of the best options available. The high annual fee is justified by the valuable perks, flexible redemption options, and exceptional rewards program.
If you’re looking to elevate your travel experience, earn valuable rewards, and take advantage of luxury benefits, the Chase Sapphire Reserve® is an excellent choice.
Check out how to apply todayFrequently Asked Questions
1. Who is eligible for the Chase Sapphire Reserve®?
To qualify for the Chase Sapphire Reserve®, applicants typically need a good to excellent credit score (700+) and a solid credit history. Chase also follows the 5/24 rule, which means if you’ve opened five or more personal credit cards in the last 24 months, your application may be denied.
2. Does the Chase Sapphire Reserve® have foreign transaction fees?
No, this card has no foreign transaction fees, making it an excellent choice for international travelers.
3. What is the Chase 5/24 rule?
Chase restricts new credit card approvals if an applicant has opened five or more personal credit cards (from any issuer) in the past 24 months. If you’ve exceeded this limit, your application for the Chase Sapphire Reserve® may be declined.
4. How does the $300 travel credit work?
Each year, Chase automatically reimburses up to $300 in travel purchases made with the Sapphire Reserve®. This includes flights, hotels, car rentals, and other qualifying travel expenses. This credit effectively lowers the annual fee cost.
5. Can I combine points from other Chase cards?
Yes, Chase allows you to transfer points from other Chase Ultimate Rewards® cards, like the Chase Freedom Flex™ or Chase Freedom Unlimited®, to your Chase Sapphire Reserve® account. This lets you maximize your rewards by earning points on everyday spending with multiple cards.
6. How do I redeem points for maximum value?
The best way to redeem points is by booking travel through Chase Ultimate Rewards®, where points are worth 50% more. Alternatively, transferring points to airline and hotel partners can sometimes provide even greater value.
7. Does this card offer airport lounge access?
Yes! The Chase Sapphire Reserve® includes complimentary Priority Pass™ Select membership, giving you access to over 1,000 airport lounges worldwide.
8. Can I add authorized users to my account?
Yes, you can add authorized users for a fee of $75 per person. They will also get Priority Pass™ lounge access and other card benefits.
9. What happens if I cancel my card?
If you cancel your Chase Sapphire Reserve®, you may lose any unredeemed Ultimate Rewards® points, so it’s best to use them before closing your account. You also lose travel perks, including lounge access and trip protection benefits.
10. What is the APR on this card?
The APR varies based on your creditworthiness. As of now, the APR ranges between 22.24% and 29.24% Variable APR.
Elevate Your Travel Experience Today
If you’re a frequent traveler who enjoys premium perks, high reward rates, and exclusive travel benefits, the Chase Sapphire Reserve® is an outstanding choice. With its generous rewards program, complimentary airport lounge access, extensive travel protections, and annual travel credits, this card easily offsets its high annual fee for those who travel often and value premium experiences.
By leveraging the lucrative bonus categories, strategic redemption options, and luxury perks, you can ensure that every dollar spent works harder for you. Whether you’re dining at Michelin-starred restaurants, enjoying priority boarding, booking first-class flights, or securing luxury hotel stays with elite status, this card enhances every aspect of your journey, delivering an unparalleled travel lifestyle.
Additionally, its comprehensive travel protections, trip cancellation insurance, purchase protection, and emergency assistance offer peace of mind, making unexpected trip interruptions or medical emergencies far less stressful. With access to a world of travel benefits, the Chase Sapphire Reserve® is more than just a credit card—it’s a passport to a refined, rewarding, and seamless travel experience.
