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What Credit Score Do You Need to Get the Chase Sapphire Reserve®?

Published Aug. 12, 2025
Brooklyn Sprunger
Author: Brooklyn Sprunger
Brooklyn Sprunger
Brooklyn Sprunger

Brooklyn leads the content team behind product reviews and ratings at Motley Fool Money, ensuring readers get well-researched, expert-backed insights to make smarter financial decisions. With nearly seven years working full-time in financial content -- four of them at The Motley Fool -- she has developed a deep passion for personal finance, from investing strategies to everyday money management. Her financial goals include buying a house and planning as many trips as her budget allows. In her free time, you’ll likely find her listening to a pop culture podcast or telling anyone who will listen to get a high-yield savings account.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

The Chase Sapphire Reserve® (see rates and fees) is hands-down one of the best travel cards out there. In fact, we named it our Best Travel Card of 2025.

From 8x points to luxury travel perks and one of the most flexible point systems in the game, this card has serious appeal for frequent travelers. But with premium perks comes a higher bar for approval.

Most people will need a credit score of at least 740 to get approved, though it's possible with a slightly lower score if your credit profile checks all the right boxes.

Ratings Methodology

Chase Sapphire Reserve®

Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Rates & Fees External Link Icon

Chase Sapphire Reserve®
4.90/5 Circle with letter I in it. 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
4.90/5 Circle with letter I in it. 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
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Rates & Fees External Link Icon

limited-time offer

Earn 100,000 points + a $500 Chase Travel℠ credit when you spend $5,000 in 3 months — this is Sapphire Reserve’s best-ever bonus!

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 28.74% Variable

Rewards Circle with letter I in it. 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

8x points on Chase Travel℠, 4x points on flights and hotels booked direct, 3x points on dining, 1x points on all other purchases

Annual Fee

$795

Welcome Offer Circle with letter I in it. 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.

100,000 bonus points + $500 Chase Travel℠ promo credit

  • All the perks we've come to expect from a top travel card, including a $300 annual travel credit, airport lounge access, and big bonuses on travel and dining. Points are transferable to airline and hotel partners or worth up to 2x if you book through Chase Travel℠. The annual fee is hefty, but if you can use all its features, this card could be well worth the cost.

    • Travel credits
    • Airport lounge access
    • Travel and dining rewards
    • Welcome offer
    • Flexible travel points
    • Annual fee
    • Limited-time benefits
    • 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

The Chase Sapphire Reserve® is a premium card, and the approval standards reflect that. Most cardholders report being approved with a score of 740 or higher, which puts you solidly in the "excellent" credit category.

Some folks with scores in the 700-739 range have also been approved, especially if they have a long credit history, high income, and low debt. But the lower you dip below 740, the less likely you are to get the green light.

What else matters besides your score?

Credit score is a big factor, but it's not the only one Chase looks at. Here's what else comes into play:

Your income

This card has a $795 annual fee, and Chase wants to make sure you can afford it. A higher income with a strong payment history gives you an edge.

Your credit history

You'll want several years of credit under your belt, ideally with high limits and low balances. Late payments, maxed-out cards, or recent credit missteps can all work against you.

Your 5/24 status

Like all Sapphire cards, the Chase Sapphire Reserve® is subject to Chase's unofficial 5/24 rule: if you've opened five or more credit cards in the last 24 months, you'll most likely be automatically denied.

Is the Chase Sapphire Reserve® worth it?

For frequent travelers, this card earns its spot in your wallet. I love how easy it is to transfer to partners like Hyatt and United, or just book directly through Chase's portal and get more for your points using Chase's new Points Boost feature.

Here's what makes it stand out:

  • More than $2,700 in annual value
  • $300 annual travel credit, automatically applied to travel purchases
  • Global Entry or TSA PreCheck credit
  • Priority Pass and Chase Sapphire Lounge access
  • Points worth more through Chase Ultimate Rewards® with Points Boost
  • Strong travel protections (trip delay, rental insurance, etc.)

If you're on the road or in the air often, the value can far outweigh the fee, especially when you stack all the perks. Apply today for the Chase Sapphire Reserve® card.

Don't quite qualify yet?

If your credit isn't quite Reserve-level yet, check out the Chase Sapphire Preferred® Card. It's a fantastic mid-tier travel card with a much lower annual fee and many of the same benefits.