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Chase Sapphire Reserve®

The top of the line Chase Ultimate Rewards credit card, it's an easy and rewarding credit card for frequent travelers.

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(4.5) Our Review
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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Chase Sapphire Reserve®

The top of the line Chase Ultimate Rewards credit card, it's an easy and rewarding credit card for frequent travelers.

BONUS 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℠.

💵 Your Projected Rewards Value
Year 1 tbd
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Key facts

If you want a premium travel credit card that is simple to use and offers perful redemption options, the Chase Sapphire Reserve® may well be your best bet.

Annual Fee:

$550

AVG Point Value:

$0.0175 (Learn More)

Min. Credit Score for Approval:

800-850 * Excellent

Ongoing APR:

22.49%-29.49% Variable

Balance transfer fees

Either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign Transaction Fee:

0%

Get a 80% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Get 1,800 IHG Rewards Points for every 1,000 Chase Ultimate Rewards points when you transfer by July 31st, 2024.

Do some sample searches before considering this bonus as we value an IHG point around 0.4 cents and a Chase point around 1.75 cents making the math here hard to justify. it’s a bit better if you have an IHG Premier or IHG Business Premier credit card which gives the 4th night free on awards.

Offer expires on Jul 31, 2024
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Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Air Canada Aeroplan.

No fuel surcharges; just a $39CAD booking fee. Lap infant just $25CAD. Can book Etihad and Emirates as well as Star Alliance flights. Add a stopover for just 5,000 miles!

Offer expires on Jul 31, 2024
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If you have this card, bank policies restrict you from being approved for the following cards: Chase Sapphire Preferred® Card.

Reward multipliers

The biggest bonus category on the Chase Sapphire Reserve card is the 3X you’ll earn on travel. You’ll see other cards offering up to 10x on travel, but only when you book via Chase Travel℠.

Using a bank’s travel travel portal can come with some significant downsides, so being able to earn 3X on travel booked directly with airlines and hotels is huge.

Still, if you don’t mind portal bookings, Chase will give you 10x total points on hotels and car rentals purchased through Chase Travel℠.

You’ll also earn 3X Ultimate Rewards points on dining purchases (including takeout and delivery services) and 10X Ultimate Rewards points when you make a special dining reservation through Chase Travel℠.

In short, you’ll earn at least 3X points on ravel and dining.

And see below for the advantageous redemption rates your Chase Sapphire Reserve credit card will give you when you purchase using Chase Travel℠.

Earns bonus points for spend in the following bonus categories:

Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.

10x
Car Rentals

Estimated Rewards Value: 17.5%

Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.

10x
Hotels

Estimated Rewards Value: 17.5%

10x
Lyft

Estimated Rewards Value: 17.5%

Only applies to bookings made via Chase Travel℠. Otherwise earn 3X points per dollar.

5x
Airfare

Estimated Rewards Value: 8.75%

3x
Transit

Estimated Rewards Value: 5.25%

3x
Dining Out / Food Delivery

Estimated Rewards Value: 5.25%

3x
Cruises

Estimated Rewards Value: 5.25%

1x
Everything Else

Estimated Rewards Value: 1.75%

ALREADY HAVE THIS CARD?

Pair another card and boost your rewards

In some cases, adding cards from the same points system will increase your rewards by unlocking a higher point value based on the ability to transfer points to air or hotel partners. In other cases, the cards simply work together to earn more points with one bank or diversify your bonus category rewards across banks.

Key features

1

Unique Card Benefits

Points are Worth 1.5 cents each with Chase Travel℠

Unique to the Chase Sapphire Reserve credit card, you’ll get 1.5 cents in value per Chase Ultimate Rewards point when you redeem for any travel at Chase Travel℠. That means that if you want to keep things simple, you can redeem 10,000 points for $150 in travel – ensuring you never get less than 1.5 cents in value from your Ultimate Rewards points.

Even better, if you have other credit cards that earn Ultimate Rewards points, like a Freedom Flex, Freedom Unlimited, Ink Business Preferred, Ink Unlimited, or Ink Cash, you can combine all of those points to your Sapphire Reserve to redeem at this elevated rate.

Priority Pass Lounge Access includes Experiences (but not Dining)

Yes, the Chase Sapphire Reserve has Priority Pass airport lounge access. That’s mentioned below. But what is the unique feature? It’s that American Express and Capital One cardmembers with Priority Pass are not eligible to take advantage of what Priority Pass calls “experiences” which translates to savings on airport shopping and spa experiences. Chase Sapphire Reserve (And Chase JP Morgan Reserve) cardmembers are still eligible.

However, Chase Sapphire Reserve cardholders are no longer able to dine at airport restaurants associated with Priority Pass. This benefit ended March 2024.

To describe the additional benefit in detail:

1) Spa Experiences

You can get complimentary spa treatments at participating Be Express spas which are all over US airports.

  • As of March 2024, treatments eligible for free were:
  • Be Back 15-minute Massage plus O2 (a US$38 value)
  • Be Back 30-minute Massage (a US$38 value)
  • Polish Change plus Hand Massage (a US$38 value)
  • Be Feet on lounger 10-minute plus O2 (a US$44 value)

In summary, the Chase Sapphire Reserve credit card gives you the above experiences in addition to the Priority Pass lounges. This card is great for frequent travelers!

2) Shopping discounts

Sometimes you will see an offer for a discount at an airport retail outlet with your Priority Pass card.

The Luxury Hotel & Resort Collection

You’ll be eligible for room upgrades and daily breakfast at over 1,000 properties when you book with The Luxury Hotel & Resort Collection. (This is a special luxury travel booking service. You must book via the service to receive these benefits.)

Lyft – Complimentary 2 year Lyft Pink All Access membership

Activate by Dec 31, 2024. Membership auto renews annually.

DoorDash – DashPass subscription

Get included complimentary DashPass, which covers both DoorDash and Caviar and gives you a $0 delivery fees and lower service fees on eligible orders for at least one year when you activate by December 31, 2024. With DashPass you will also receive $5 in DoorDash credits each month, which is redeemed at checkout.

Instacart – 1 year of complimentary Instacart+

Additionally, as an Instacart+ member with a Sapphire Reserve, you’ll earn up to $15 in statement credits each month through July 2024. (Membership auto-renews.)

2

Earns Transferable Points

You’ll earn valuable Chase Ultimate Rewards points with each eligible dollar you spend on your Chase Sapphire Reserve. I personally believe that Ultimate Rewards points are the most valuable of all of the major transferable bank points, with transfer partners like World of Hyatt and United Airlines. We value Chase Ultimate Rewards points at 1.75 cents a piece, due to the flexibility their airline and hotel transfer partners provide for booking premium travel.

Here is a full list of Chase Ultimate Rewards airline and hotel transfer partners:

Chase Ultimate Rewards Transfer Partners
Transfer RatioExpected Transfer Time *
Aer Lingus Avios1:1Instant
Air Canada Aeroplan1:1Instant
Air France Flying Blue1:1Instant
British Airways Avios1:1Instant
Emirates1:1Instant
Iberia Avios1:1Instant
JetBlue1:1Instant
Singapore Airlines KrisFlyer1:1~ 1 - 2 days
Southwest Airlines1:1Instant
United MileagePlus1:1Instant
Virgin Atlantic Flying Club1:1Instant
Hyatt1:1Instant
Marriott Bonvoy1:1~ 1-2 days
IHG Rewards Club1:1~ 24 hours

If you don’t understand how to redeem using frequent flyer and hotel programs, you can use your points to book almost any travel directly using Chase Travel℠, where your points are worth 1.5 cents each. You can spend in any interval, but for the ease of explaining it, 10,000 Ultimate Rewards points would book $150 worth of travel.

And Chase also offers a program called Pay Yourself Back, where you can cover certain purchases with your points at a value of 1.25 cents each. Not as good as what you get for travel, but works for some who aren’t currently traveling.

Worst case, you can cash your Ultimate Rewards points out for 1 cent each.

3

Airport Lounge Access

As described above in the Unique Card Benefits of the Chase Sapphire Reserve, you get a full Priority Pass Select membership, which includes unlimited lounge access for you to every Priority Pass airport lounge including up to two guests (additional guests are $27 per visit). Priority Pass experiences (excluding airport restaurant locations) are included. One time enrollment is required.

Chase is also building out their own network of lounges. The flagship is now open at New York’s LaGuardia airport.

If you want the quickly fading benefit of airport restaurants associated with Priority Pass, consider the Venture X Business Card which still includes the benefit as of March 2024.

4

Primary Car Rental CDW Waiver

With the Chase Sapphire Reserve, you can not only decline the car rental company’s collision damage waiver when you book and pay with your Card, but rest assured that coverage is Primary. This means that if your rental damage, you would not be forced to first deal with your own auto coverage.

It will be completely taken care of by this coverage, up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad (be sure to check vehicle and country restrictions before traveling). Primary rental car insurance is more rare than you might think! Most are secondary to your own insurance.

Just keep in mind that no CDW/LDW coverage includes liability.

5

Global Entry / TSA PreCheck Reimbursement

You can get a statement credit of up to $100 every four years for Global Entry or TSA PreCheck as reimbursement for the application fee charged to your Chase Sapphire Reserve.

Chase is unique in also covering NEXUS (the Canadian border program) in addition to Global Entry or TSA PreCheck.

6

Annual Statement Credits

It’s easy to offset $300 of your $550 annual fee since the Chase Sapphire Reserve will automatically reimburse you for your first $300 in travel purchases annually.

That includes everything from flights, hotels, and cruises to parking garages and parking meters.

7

Return Protection

If the store won’t take back an eligible item within 90 days of purchase, Chase will cover you for up to $500 per item (max $1,000 per year).

8

Extended Warranty

Extend your U.S. manufacturer’s warranty by an additional year, on eligible warranties of 3 years or less.

9

Purchase Protection

Coverage with your Chase Sapphire Reserve is for 120 days against theft or damage.

Limits are up to $10,000 per claim and a maximum of $50,000 per year.

10

Trip Protections

Trip Cancellation/Interruption Insurance

Offers up to $10,000 per person and $20,000 per trip for your pre-paid and non-refundable travel expenses.. Covered situations include sickness, severe weather and more (see benefits guide).

Lost Luggage Reimbursement

Lost luggage insurance with the Chase Sapphire Reserve gives you up to $3,000 per passenger for lost or damaged luggage checked in with an airline.

Trip Delay Reimbursement

If you have purchased common carrier travel with your card (airfare, train fare, etc) and are delayed more than 6 hours or require an overnight stay, you and your family can be reimbursed for unreimbursed expenses, like meals and hotels, up to $500 per ticket.

Emergency Evacuation & Transportation

This benefit covers medical services and emergency evacuation transportation (up to $100,000) when you or a member of your immediate family get sick or are injured far from home..

11

No Foreign Transaction Fees

As you’d expect, there are no foreign transaction fees with the Chase Sapphire Reserve credit card.

12

Roadside Assistance

Get a tow, jumpstart, tire change, locksmith or gas with your Chase Sapphire Reserve – up to $50 per incident, 4 times a year.

13

Concierge Services

Your Chase Sapphire Reserve gives you access to the Visa Infinite Concierge for help with dinner reservations as well as show and event tickets.

14

Travel and Emergency Assistance Services

With the Chase Sapphire Reserve, you can call for legal and medical referrals or other travel and emergency assistance. (Please note that you will be responsible for the cost of any goods or services provided.)

15

Free Access to Credit Score

Chase Credit Journey will provide free access to your credit score.

16

Metal Card

Add some heft to your wallet with the Chase Sapphire Reserve, which weighs an impressive 12.6 grams.

Earn more rewards by combining credit cards

Chase Sapphire Reserve®
? Best Combo
See how much more you'll earn in rewards when you combine these two cards.
Add Your Spending Profile to Find Out

Pros & cons

  • Aside from a $300 annual credit on travel, you'll earn 3X Chase Ultimate Rewards points on all your travel purchases - and even more when you book via Chase
  • Full Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
  • Chase Ultimate Rewards points are both extremely valuable and simple to use
  • High annual fee
  • Not as many bonus categories as some other cards
  • Doesn't come with any airline or hotel statuses

Chase Sapphire Reserve®

Learn How to Apply

Our review

The Chase Sapphire Reserve credit card is the one that, in a sense, started it all. While rewards cards have been around for decades, The Chase Sapphire Reserve quickly became a must-have upon its launch in 2016. With a huge bonus offer, the Priority Pass airport lounge access, the easy to use $300 travel credits, and 3X Chase Ultimate Rewards points per dollar spent on all dining and travel made it an easy sell.

Today, it remains one of the strongest travel credit cards on the market, even if other cards like the newer Capital One Venture X and The Platinum Card® from American Express both get solid market share.

The beauty of the Chase Sapphire Reserve lies in its simplicity.

The $300 annual travel credit works itself off without you even noticing, since travel purchases are automatically applied. With the Venture X, for instance, you also get a $300 annual travel credit but can only use it in the Capital One portal.

Then the Chase Sapphire Reserve is just plain “easy” when it comes to earning, knowing that just about every possible travel or dining purchase (including eligible delivery services) will earn 3X Chase Ultimate Rewards points.

And to that end, with a MilesTalk value of 1.75 cents per point when used via transfer partners like World of Hyatt or for First and Business Class airfare via its many airline partners, you know you’ll get value for those points you earn. In fact, your travel and dining purchases (earning 3X points) have a minimum return on spend value of 4.5% (if you redeem through Chase Travel at 1.5 cents each or an average redemption yield of around 5.25% (3X * 1.75) when you use the Ultimate Rewards airline and hotel partners.

travel-chase-sapphire-reserve

The card is also full of the most important benefits, namely the Priority Pass select membership for airport lounge access for you and 2 guests, including Priority Pass experiences (but not airport restaurants) as well as primary collision/damage coverage on car rentals and trip delay coverage that kicks in after just a 6 hour delay as well as lost luggage insurance. And then there are the somewhat smaller but still valuable perks like your Global Entry fee reimbursement and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards® and Chase dining purchases.

And of course, there’s that huge bonus when you spend $4,000 on purchases in your first 3 months from account opening….

So yes, it does have a high annual fee, but after the $300 travel credit, it’s effectively just $250 which the card gives you back via it’s earn rate, redemption rate (1.5 cents per point at Chase Travel) and rich benefits.

Frequently asked questions

1

Does Chase Sapphire Reserve have an annual fee?

It does The annual fee is $550, though there is also a $300 annual travel credit that covers more than half of that.

2

Does the Chase Sapphire Reserve get you into airport lounges?

Yes, it comes with Priority Pass Select membership which covers you and 2 guests. Dining experiences are excluded. Consider the Venture X Business card if you still want airport dining via Priority Pass.

3

Is it hard to get the Chase Sapphire Reserve?

It’s not as hard as you might think. Despite being the most premium consumer Chase credit card, a 740 FICO or so should be enough to qualify you. Of course, that’s just one consideration for Chase. Other factors like your 5/24 will come into play.

4

Is it worth getting the Chase Sapphire Reserve?

We think so! Check our Review above for why!

5

How do I earn points / cash with the Chase Sapphire Reserve?

You’ll earn 3X points on all travel and dining purchases, with some additional bonus categories as described above.

6

Is there a better credit card than the Chase Sapphire Reserve?

For you, maybe? The best way to find out is to enter your spending information and select your feature and benefits preferences in our World Famous Card Explorer.

7

Does the Chase Sapphire Reserve charge foreign transaction fees?

The Chase Sapphire Reserve credit card will never charge you any foreign transaction fees. It’s a traveler’s credit card, after all!

8

Does the Chase Sapphire Reserve have car rental coverage?

Yes! If your rental damage, you would not be forced to first deal with your own auto coverage. It will be completely taken care of by this coverage, up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad (be sure to check vehicle and country restrictions before traveling).

9

Does the Chase Sapphire Reserve come with any Elite Status?

Yes. Coverage with your Chase Sapphire Reserve is for 120 days against theft or damage. Limits are up to $10,000 per claim and a maximum of $50,000 per year.

10

Does the Chase Sapphire Reserve offer extended warranty?

Yes. Extend your U.S. manufacturer’s warranty by an additional year, on eligible warranties of 3 years or less.

11

Does the Chase Sapphire Reserve offer purchase protection?

Yes. Coverage with a Chase Sapphire Reserve credit card is for 120 days against theft or damage. Limits are up to $10,000 per claim and a maximum of $50,000 per year.

12

Does the Chase Sapphire Reserve offer trip protections?

Yes, it offers several, including Trip Cancellation/Interruption Insurance, Lost Luggage Reimbursement, Lost luggage insurance, Trip Delay Reimbursement and Emergency Evacuation & Transportation. We have all the details above.

13

What credit score do I need to get a Chase Sapphire Reserve?

You’ll likely need a Good to Excellent credit score for a Chase Sapphire Reserve credit card approval. That’s roughly a 740 FICO or better. The minimum credit line on a Chase Sapphire Reserve credit card is $10,000.

14

What can I do with the points earned for spending on the Chase Sapphire Reserve?

Redeem them through the Ultimate Rewards portal with a value of 1.5 cents each or transfer them to airline and hotel partners to get even more value. If you really want to, you can always cash the point out for 1 cent per point in cash.

15

Does the Chase Sapphire Reserve have Cell Phone Protection?

No, at this time, the Chase Sapphire Reserve credit card does not have Cell Phone Protection coverage.

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