Chase Sapphire Reserve® review

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Advertiser Disclosure

Interest Rate: Purchases
19.24% ‐ 26.24%
Balance Transfer
19.24% ‐ 26.24%
Rewards
1 - 3 points
Signup Bonus
50000 points (after spending $4,000)


9.4/10
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 31 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...


Compare Cards

This card is jam-packed with helpful rewards and benefits. Between airport lounge access, annual travel credits, and flexible redemption options, there are plenty of ways to save money on travel. Plus, the rewards rate is extra high, and there's no cap on the amount of points you can earn.

- Compare Cards
Business Insider

While the Chase Sapphire Reserve doesn't offer the same sign-up bonus as when it launched, it's still an incredibly valuable card, offering benefits that more than outweigh its $450 annual fee.

- David Slotnick, Business Insider
CreditCards.com

The price of admission for this luxury card from J.P. Morgan Chase is steep, but its large sign-up bonus and generous travel allowance more than make up for the card’s $450 annual fee.

- Kelly Dilworth, CreditCards.com
Cardcruncher

The Chase Sapphire Reserve offers 3 Ultimate Rewards points per dollar on travel and dining at restaurants, and 1 point per dollar on everything else. The card comes with a juicy sign-up bonus of 50,000 points after you spend $4,000 on purchases in the first three months from account opening. Transf...

- Cardcruncher
NextAdvisor

With triple points earned on travel and dining purchases, Chase Sapphire Reserve® is a strong choice for frequent travelers or those who like to dine out, but is still an excellent pick for everyone who wants to earn points that give you a lot of redemption choices (free 1:1 transfer to other progra...

- NextAdvisor

Details


Interest Rates
Regular APR Interest Rate 19.24% ‐ 26.24%

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

Balance Transfer Interest Rate 19.24% ‐ 26.24%

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

Cash Advance Interest Rate 27.24%

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

Rates & Fees
Annual Fee $450.00


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 $38.00

Maximum

Promotions
Sign up bonus 50000 points after spending $4,000

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants 3 points per $1 spent
Gas No
Groceries No
Hotels 3 points per $1 spent
Travel 3 points per $1 spent

On airfare purchases

Pharmacy No
Bills No
Additional Details
  • $300 Annual Travel Credit
  • Get 50% more value when you redeem for travel through Chase Ultimate Rewards.
Features & Benefits
Additional Card Holders Yes

Each additional card is $75 per year.

Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Additional Benefits
  • Complimentary Airport Lounge Access
  • Special Car Rental Privileges
  • Trip Cancellation/Trip Interruption Insurance
  • Trip Delay Reimbursement
  • Return Protection
  • $100 Global Entry or TSA Pre ✓ Fee Credit
  • Baggage Delay
  • Lost Luggage
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Compare Cards

A top travel rewards credit card that offers some of the best perks and rewards available

Compare Cards

This card is jam-packed with helpful rewards and benefits. Between airport lounge access, annual travel credits, and flexible redemption options, there are plenty of ways to save money on travel. Plus, the rewards rate is extra high, and there's no cap on the amount of points you can earn.

Read full review

This card is jam-packed with helpful rewards and benefits. Between airport lounge access, annual travel credits, and flexible redemption options, there are plenty of ways to save money on travel. Plus, the rewards rate is extra high, and there's no cap on the amount of points you can earn.

Read full review

Less

Business Insider

An incredibly popular credit card

from Business Insider

While the Chase Sapphire Reserve doesn't offer the same sign-up bonus as when it launched, it's still an incredibly valuable card, offering benefits that more than outweigh its $450 annual fee.

Read full review

While the Chase Sapphire Reserve doesn't offer the same sign-up bonus as when it launched, it's still an incredibly valuable card, offering benefits that more than outweigh its $450 annual fee.

Read full review

Less

CreditCards.com

A travel credit that rivals competitors’ best bonuses

from CreditCards.com

The price of admission for this luxury card from J.P. Morgan Chase is steep, but its large sign-up bonus and generous travel allowance more than make up for the card’s $450 annual fee.

Read full review

The price of admission for this luxury card from J.P. Morgan Chase is steep, but its large sign-up bonus and generous travel allowance more than make up for the card’s $450 annual fee.

Read full review

Less

Cardcruncher

One of the best travel credit cards on the market

The Chase Sapphire Reserve offers 3 Ultimate Rewards points per dollar on travel and dining at restaurants, and 1 point per dollar on everything else. The card comes with a juicy sign-up bonus of 50,000 points after you spend $4,000 on purchases in the first three months from account opening. Tra...More

The Chase Sapphire Reserve offers 3 Ultimate Rewards points per dollar on travel and dining at restaurants, and 1 point per dollar on everything else. The card comes with a juicy sign-up bonus of 50,000 points after you spend $4,000 on purchases in the first three months from account opening. Transferring points to Chase Ultimate Rewards travel partners provides even more value, especially on international flights in business and first class.

Read full review

Less

NextAdvisor

Offers a lot of terrific benefits and perks and great point-earning opportunity

With triple points earned on travel and dining purchases, Chase Sapphire Reserve® is a strong choice for frequent travelers or those who like to dine out, but is still an excellent pick for everyone who wants to earn points that give you a lot of redemption choices (free 1:1 transfer to other pr...More

With triple points earned on travel and dining purchases, Chase Sapphire Reserve® is a strong choice for frequent travelers or those who like to dine out, but is still an excellent pick for everyone who wants to earn points that give you a lot of redemption choices (free 1:1 transfer to other programs!). There is a $450 annual fee, but the $300 annual travel credit helps to offset that expense. 

Read full review

Less

The Wirecutter

Best overall travel rewards credit card

from The Wirecutter

This inimitable travel card offers diners, flyers, and commuters the best mix of rewards, perks and insurance despite a dumbfounding annual fee.

Read full review

This inimitable travel card offers diners, flyers, and commuters the best mix of rewards, perks and insurance despite a dumbfounding annual fee.

Read full review

Less

Money Crashers

Not appropriate for most consumers

from Money Crashers

An exclusive credit card for frequent travelers who spend heavily in its favored categories and take advantage of its many benefits and perks, which collectively offset Sapphire Reserve’s hefty annual fee by a substantial margin.

Read full review

An exclusive credit card for frequent travelers who spend heavily in its favored categories and take advantage of its many benefits and perks, which collectively offset Sapphire Reserve’s hefty annual fee by a substantial margin.

Read full review

Less

Credit Card Insider

Offers a valuable set of rewards and benefits

from 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. The Chase Sapphire Reserve Card is one...More

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. The Chase Sapphire Reserve Card is one of the most impressive general-purpose travel rewards credit cards, with a very enticing offer. 

Read full review

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Travel Update

A great card for most travelers

from Travel Update

The Chase Sapphire Reserve has been one of the hottest travel cards on the market since its introduction in 2016. It’s a great card for people who have varied travel and dining expenditures. While the $450 annual fee might be high for some, the travel credit and other benefits are there to soften the blow.

Read full review

The Chase Sapphire Reserve has been one of the hottest travel cards on the market since its introduction in 2016. It’s a great card for people who have varied travel and dining expenditures. While the $450 annual fee might be high for some, the travel credit and other benefits are there to soften the blow.

Read full review

Less

The Ascent

A premier travel credit card

from The Ascent

The annual fee isn't cheap but the sign-up bonus, premium rewards for travel & dining, and array of valuable travel credits make this a compelling offer that will offset the cost of the annual fee for many.

Read full review

The annual fee isn't cheap but the sign-up bonus, premium rewards for travel & dining, and array of valuable travel credits make this a compelling offer that will offset the cost of the annual fee for many.

Read full review

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User Reviews


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