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Chase Sapphire Reserve® review

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Advertiser Disclosure

Annual Fee
$550.00
Interest Rate: Purchases
17.74% ‐ 24.74% (Variable)
Interest Rate: Purchases
17.74% ‐ 24.74% (Variable)
Balance Transfer
17.74% ‐ 24.74% (Variable)
Balance Transfer
17.74% ‐ 24.74% (Variable)
Rewards
1 - 10 points
Rewards
1 - 10 points
Signup Bonus
50000 points (after spending $4,000)
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 47 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...


Your Mileage May Vary
Your Mileage May Vary

I’m a big supporter of the Chase Sapphire Reserve for people who are looking for a top-tier travel credit card. It provides good multiples for spending on travel and dining while also providing excellent coverage for car rentals and other travel mishaps. If you’re looking for an entry-level card fro...

- Your Mileage May Vary
Cnet
Cnet

The Chase Sapphire Reserve® is a premium rewards travel credit card. It offers a lot of potential value for avid travelers but with a high annual fee. Though the $550 annual fee might elicit some sticker shock, the credits, welcome bonus and rewards can outweigh the cost. If you don't travel frequen...

- Joe Van Brussel, Cnet
Fit Small Business
Fit Small Business

The Chase Sapphire Reserve® card is ideal for business owners who want to earn premium travel rewards and enjoy a variety of travel perks and benefits. While this card can be valuable for frequent travelers, it comes with a high annual fee that can add up to your overall credit cost.

- Benilyn Formoso - Suralta, Fit Small Business
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
US Credit Card Guide
US Credit Card Guide

You can redeem UR points for statement credits against existing purchases in select, rotating categories, at a fixed rate 1.5 cents/point. For example, the rotating categories include grocery and restaurants until 2021.04.30. You can also use your UR points at a fixed rate 1.5 cents/point on the Cha...

- US Credit Card Guide

Details


Interest Rates
Regular APR Interest Rate 17.74% ‐ 24.74% (Variable)

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

Balance Transfer Interest Rate 17.74% ‐ 24.74% (Variable)

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

Cash Advance Interest Rate 25.74% (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 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

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 each Peloton Bike and Tread purchase over $1,400, with a max earn of 50,000 total points. Now through June 30, 2022.
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®.*Same page link to Offer Details No interest, just a fixed monthly fee.
  • Global Entry or TSA Pre✓® Fee Credit
  • Complimentary Airport Lounge Access
  • The Luxury Hotel & Resort CollectionSM
  • 24/7 access to Customer Service Specialists
  • Complimentary Lyft Membership
  • Trip Cancellation/Interruption Insurance
  • Lost Luggage Reimbursement
  • Trip Delay Reimbursement
  • Emergency Evacuation & Transportation
  • Return Protection
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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