Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

Chase Sapphire Reserve® review

Compare Compare  
Advertiser Disclosure

Annual Fee
$550.00
Interest Rate: Purchases
20.74% ‐ 27.74% (Variable)
Interest Rate: Purchases
20.74% ‐ 27.74% (Variable)
Balance Transfer
20.74% ‐ 27.74% (Variable)
Balance Transfer
20.74% ‐ 27.74% (Variable)
Rewards
1 - 10 points
Rewards
1 - 10 points
Signup Bonus
60000 points (after spending $4,000)
Signup Bonus
60000 points (after spending $4,000)


9.3/10
Informr score
The Chase Sapphire Reserve® currently has an Informr score of 9.3 out of 10. This score is based on our evaluation of 43 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...


Investopedia
Investopedia

With premium perks, generous rewards, and an outstanding bonus offer, Chase Sapphire Reserve is a top entry among premium travel cards. Travel maximalists will get the most benefit from this card, but its rewards and perks are substantial enough that even typical diners and travelers might come out...

- Mitchell Strohm, Investopedia
Bankrate
Bankrate

The Sapphire Reserve stands as one of the best travel credit cards around. It has an impressive amount of benefits, including a $300 travel credit, complimentary lounge access and one of the most valuable credit card rewards programs. As long as you can take advantage of all it has to offer, frequen...

- Antonio Ruiz-Camacho, Bankrate
One Mile at a Time
One Mile at a Time

The Chase Sapphire Reserve has revolutionized the premium credit card market over the past several years, and continues to be extremely compelling. The card offers a $300 annual travel credit, 3x points on dining and travel, the ability to redeem points for 1.5 cents each, a Priority Pass membership...

- Ben Schlappig, One Mile at a Time
GOBankingRates
GOBankingRates

If you travel often — or plan to in the future — the annual fee will probably be offset by the access to premium airport lounges, $300 travel credit, number of coverages and more. However, before you sign up for the Chase Sapphire Reserve card, take a closer look at the American Express Platinum car...

- Cynthia Bowman, GOBankingRates
The Points Guy
The Points Guy

The Chase Sapphire Reserve is a complete no-brainer credit card for those who love travel rewards — especially for more frequent travelers. This is especially true with the current sign-up bonus: 80,000 points after you spend $4,000 on purchases in the first three months from account opening. Beyond...

- Ethan Steinberg, The Points Guy

Details


Interest Rates
Regular APR Interest Rate 20.74% ‐ 27.74% (Variable)

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

Balance Transfer Interest Rate 20.74% ‐ 27.74% (Variable)

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

Cash Advance Interest Rate 28.74% (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 $40.00

Maximum

Promotions
Sign up bonus 60000 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

Including eligible delivery services, takeout and dining out

Gas No
Groceries No
Hotels 10 points per $1 spent

When you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.

Travel 5 points per $1 spent
  • When you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
  • Earn 3 points per $1 spent on other travel worldwide after the first $300 is spent on travel purchases annually.
Pharmacy No
Bills No
Additional Details
  • Earn 10 points per $1 spent on car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
  • Earn 10 points per $1 spent on Chase Dining purchases with Ultimate Rewards®
  • Get 50% more value when you redeem for travel through Chase Ultimate Rewards.
  • Earn 10x total points on Lyft rides through March 31, 2025
Features & Benefits
Additional Card Holders

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 No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits
  • $300 Annual Travel Credit
  • Eligible cardmembers can break up card purchases of $100 or more into fixed monthly payments with My Chase Plan®al Entry or TSA Pre✓® Fee Credit
  • Complimentary Airport Lounge Access
  • The Luxury Hotel & Resort Collection
  • 24/7 access to Customer Service Specialists
  • Trip Cancellation/Interruption Insurance
  • Lost Luggage Reimbursement
  • Trip Delay Reimbursement
  • Emergency Evacuation & Transportation
  • Return Protection
  • $10 Monthly Statement Credit from Gopuff through December 31, 2023.
  • DashPass Subscription for a minimum of one year when you activate by December 31, 2024
  • 1 year Instacart+ Subscription (members also get up to $15 in statement credits each quarter through July 2024)
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

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

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.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with Chase Sapphire Reserve®

Rate It: