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Chase Sapphire Reserve®

Chase Sapphire Reserve®
See Rates & Fees
Our rating:4.8 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Excellent

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Intro Bonus
100,000 bonus points + $500 Chase Travel℠ promo creditEarn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
Reward Rates
8xEarn 8x points on all purchases through Chase Travel℠, including The Edit℠.
4xEarn 4x points on flights and hotels booked direct.
3xEarn 3x points on dining worldwide.
1xEarn 1x points on all other purchases.
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
20.24% - 28.74% Variable
Annual Fee
$795

Great for:

Luxury travel perks and rewards. In addition to the uber-generous rewards rate on select travel purchased through the Chase portal and on dining, the Sapphire Reserve offers a $300 annual travel credit and access to Priority Pass airport lounges.

The Chase Sapphire Reserve is one of the best travel credit cards.

Highlights

  • Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
  • Get more than $2,700 in annual value with Sapphire Reserve.
  • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
  • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
  • 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 6/22/27 — a value of $250 annually
  • Member FDIC

Features

  • Airport Lounge Access
    Airport Lounge Access
  • Annual Travel Credit
    Annual Travel Credit
  • Auto Rental Insurance
    Auto Rental Insurance
  • Concierge Service
    Concierge Service
  • Dining
    Dining
  • EMV
    EMV
  • Editor's Pick
    Editor's Pick
  • Excellent Credit
    Excellent Credit
  • Extended Warranty Program
    Extended Warranty Program
  • Lost Luggage Reimbursement
    Lost Luggage Reimbursement
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Points
    Points
  • Popular
    Popular
  • Primary Auto Rental Insurance
    Primary Auto Rental Insurance
  • Purchase Protection
    Purchase Protection
  • Rewards
    Rewards
  • Roadside Assistance
    Roadside Assistance
  • TSA/Customs Reimbursement
    TSA/Customs Reimbursement
  • Travel
    Travel
  • Travel Accident Insurance
    Travel Accident Insurance
  • Travel Assistance
    Travel Assistance
  • Visa Infinite
    Visa Infinite
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.8 out of 5

Our take: The price of admission for this luxury card is steep, but its large sign-up bonus and generous travel allowance more than make up for the annual fee. See Rates and Fees

Read full review

All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.

Cardholder Reviews

Chase Sapphire Reserve®

Average Ratings: (collected by Chase)
4.8 out of 5 stars
Ratings and reviews provided by issuer as of 2025-06-23.

For customer reviews and the most recent star ratings please click here