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The Chase Sapphire Reserve® is a high-end travel card with a big sign-up bonus, lucrative statement credits, and an excellent rewards program packed with different airline and hotel partners.
While this card has quite a few features, it also has a costly $550 annual fee. Find out if this is the credit card for you in our Chase Sapphire Reserve® review.
The Chase Sapphire Reserve® is worth it for frequent travelers, as it provides plenty of useful benefits and one of the most flexible travel rewards programs.
On Chase's Secure Website.
On Chase's Secure Website.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
22.49%-29.49% Variable
Rewards Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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.
5x points on flights and 10x points on hotels and car rentals through Chase Travel℠.
Annual Fee N/A
$550
Welcome 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℠.
60,000 bonus points
This Chase card is your ticket to big rewards on travel spending and dining out, like up to 10x points on spending through Chase Travel, where your points are worth 50% more if you book through Chase Ultimate Rewards. You'll also score excellent perks, like a $300 travel credit, airport lounge access, and a Global Entry/TSA Precheck credit. The annual fee is hefty, but if you can use all its features, this card could be well worth the cost.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
|
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
This credit card is a good fit for: Travel enthusiasts who want a card that has it all. Those who can take advantage of this card's robust travel perks will get thousands of dollars in value.
With a long list of benefits, the Chase Sapphire Reserve® is one of the most feature-packed cards we know of.
The Chase Sapphire Reserve® rewards you with 60,000 bonus points when you spend $4,000 in the first 3 months after opening your account. Keep in mind that the annual fee doesn't count toward that spending minimum. That's equivalent to $900 toward travel when you redeem through Chase Ultimate Rewards, making it one of the most valuable sign-up bonuses.
Chase reimburses you for up to $300 in travel purchases every account anniversary year. Credits are applied to your statement automatically, so there's no work required on your part.
This Chase credit card earns the following rewards rates:
One of the biggest advantages of Chase travel cards is the card issuer's Ultimate Rewards program, which gives you several ways to redeem your points. Here's what you can do with your points when you have the Chase Sapphire Reserve®:
Although those redemptions tend to offer the most value, there are also other options available, including redeeming points for cash back or gift cards.
You'll receive a complimentary Priority Pass Select membership (a one-time account activation is required), allowing you and up to two guests access to the program's airport lounges free of charge. Priority Pass has lounges in many major airports within the United States, and coverage is even better worldwide.
Chase reimburses you either $100 for your Global Entry fee or $85 for your TSA PreCheck fee every four years, so you can register as a trusted traveler and get through airport security more quickly. It's better to sign up for Global Entry because that also includes TSA PreCheck, meaning you get the benefits of both. TSA PreCheck doesn't include Global Entry.
LEARN MORE: TSA PreCheck, Global Entry, and CLEAR: Which Program Is the Best?
This Chase travel card includes special benefits with the following partners:
Even though the Chase Sapphire Reserve® is among the best travel credit cards, it's not without its drawbacks.
The Chase Sapphire Reserve® has a $550 annual fee. This fee is justifiable for travelers who can take advantage of the perks, but it is worth considering the value you can get out of the card before applying.
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
If you can use the benefits, the Chase Sapphire Reserve® annual fee is well worth it. But if you're not sure, it may be better to look at other credit cards.
While the annual fee is expensive at $550, there's also the $300 annual travel credit, which is easy to use. Assuming you use that, the card's true annual cost is $250. It also has plenty of other spending credits and travel perks, plus the value you get from the rewards it earns.
Here's a simple way to look at it: If you plan to use the Chase Sapphire Reserve® for most of your expenses, its value will likely outweigh the annual fee. If you're going to use multiple top credit cards, then you'll need to do the math to see if the annual fee makes sense for you.
Aim for a FICO® Score of 670 or higher -- ideally, a credit score of 700 or higher -- when applying for the Chase Sapphire Reserve®. Lower scores may not disqualify your application. Chase will also consider your income and debts when making its decision.
Chase credit cards are known for an unofficial application rule. If you've already opened five or more credit cards during the previous 24 months, you likely won't meet Chase's approval requirements and your application will be denied.
LEARN MORE: A Guide to Chase's 5/24 Rule
You travel often and you want a premium credit card packed with benefits. In particular, this Chase card is a great choice if most or all of the following are true:
Considering its annual fee, the Chase Sapphire Reserve® won't be right for everyone. But if its features fit your lifestyle, it could be your ticket to big savings and an improved travel experience.
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
The credit limit for the Chase Sapphire Reserve® ranges from $10,000 to over $50,000. When you're approved for the card, Chase sets a credit limit based on your income and credit history.
Yes, the Chase Sapphire Reserve® is made of metal.
Yes, you can use the Chase Sapphire Reserve® internationally, and it doesn't charge a foreign transaction fee.
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