Chase Sapphire Reserve® review

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Advertiser Disclosure

Interest Rate: Purchases
16.99% ‐ 23.99% (Variable)
Balance Transfer
16.99% ‐ 23.99% (Variable)
1 - 5 points
Signup Bonus
50000 points (after spending $4,000)

Informr score
The Chase Sapphire Reserve® currently has an Informr score of 9.4 out of 10. This score is based on our evaluation of 36 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Chase Sapphire Reserve® is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

Business Insider

The Sapphire Reserve is an extremely valuable card for travel, thanks to the valuable Ultimate Rewards points it earns and benefits like a $300 annual travel credit. It does charge a steep $550 annual fee, but if you can put its benefits to use, it could be the best premium credit card for you.

- David Slotnick, Business Insider

The Chase Sapphire Reserve is a well rounded travel rewards credit card. It is arguably the best credit card to put all of your travel expenses on because it earns great rewards and has super solid protections to go along with those. It also has some nice credits and perks that make offsetting the h...

- Daniel Gillaspia, UponArriving
One Mile at a Time

The Sapphire Reserve has revolutionized the premium credit card market over the past four years, and has caused other card issuers to up their game as well. Suffice to say that the credit card landscape has changed significantly in recent months, in light of the current pandemic. The good news is th...

- Ben, One Mile at a Time

The Chase Sapphire Reserve® is a great option for high-spending frequent travelers who spend a lot of time in airport lounges. On the bright side, it offers an initial bonus worth $750 as well as the points equivalent of 4.5% cash back on travel and dining. Sapphire Reserve also gives you a $300 ann...

- John S Kiernan, WalletHub
Credit Card Insider

A high-end metal travel rewards credit card, designed for frequent travelers with excellent credit. If you spend more than about $3,300 on travel per year, this card could be a great way to save some money and have a better time overall while away from home.

- Brendan Harkness, Credit Card Insider


Interest Rates
Regular APR Interest Rate 16.99% ‐ 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16.99% ‐ 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $550.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00


Sign up bonus 50000 points after spending $4,000

On purchases within the first 3 months.

All Purchases 1 point per $1 spent
Restaurants 3 points per $1 spent
Gas 5 points per $1 spent

Spent on gas station purchases on up to $1,500 in spend from July 1 to September 30, 2020

Groceries 5 points per $1 spent

On all Instacart deliveries and pick-ups on up to $3,000 in combined purchases from July 1 to September 30, 2020

Hotels 3 points per $1 spent
Travel 3 points per $1 spent

Pharmacy No
Bills No
Additional Details
  • Get 50% more value when you redeem for travel through Chase Ultimate Rewards.
  • 10 points per $1 spent on Lyft rides through March 2022
  • Earn 5 points per $1 spent on all Instacart deliveries and pick-ups—household items, pharmacy and more—on up to $3,000 in purchases from July 1 to September 30, 2020
  • Plus, earn up to $50 in statement credits toward a yearly or monthly Instacart Express membership
  • Earn 10 points per $1 spent on select streaming services on up to $1,500 in spend from July 1 to September 30, 2020
  • Your points are worth 50% more when you redeem in new categories
Features & Benefits
Additional Card Holders Yes

Each additional card is $75 per year.

Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • $300 Annual Travel Credit (Can also be used at grocery stores and gas stations)
  • DashPass subscription
  • Earn up to $120 in statements credits on DoorDash
  • Complimentary Lyft Membership
  • Up to $100 Global Entry or TSA Pre ✓ Fee statement credit
  • Complimentary Airport Lounge Access
  • Special benefits at a variety of hand-selected top hotels and resorts worldwide
  • 24/7 direct access to Customer Service Specialists
  • Trip Cancellation/Interruption Insurance
  • Lost Luggage Reimbursement
  • Trip Delay Reimbursement
  • Emergency Evacuation & Transportation
  • Return Protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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