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Chase Sapphire Reserve®

Chase Sapphire Reserve®
Our rating:4.3 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

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Intro Bonus
50,000 pointsEarn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Reward Rates
10XEarn 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5XEarn 5X total points on air travel through Chase Ultimate Rewards®.
3XEarn 3X points on other travel and dining.
1XEarn 1 point per $1 spent on all other purchases
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
16.99%-23.99% Variable
Annual Fee
$550

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 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

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
  • Editor's Pick
    Editor's Pick
  • EMV
    EMV
  • 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
  • Travel
    Travel
  • Travel Accident Insurance
    Travel Accident Insurance
  • Travel Assistance
    Travel Assistance
  • TSA/Customs Reimbursement
    TSA/Customs Reimbursement
  • Visa Infinite
    Visa Infinite
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.3 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 card’s $550 annual fee.

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 2021-10-07.

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