Chase Sapphire Reserve®

Chase Sapphire Reserve®

on Chase's website

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Chase Sapphire Reserve®

on Chase's website

Card details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®

  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year

  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.

  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel

  • 1:1 point transfer to leading airline and hotel loyalty programs

  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select

  • Up to $100 application fee credit for Global Entry or TSA Pre✓®

  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.

Rates, fees & offers

  • Annual fee

    $550

  • Rewards rate

    1x-3x

  • Bonus offer

    Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®

  • Intro APR

    N/A

  • Ongoing APR

    APR: 16.99% - 23.99% Variable APR

    Cash Advance APR: 24.99%, Variable

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

Annual Fee

$550

Annual Fee

$95

Annual Fee

$0

Regular APR

16.99% - 23.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% on Balance Transfers for 18 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

NerdWallet review

By Virginia C. McGuire

Rating details

4.7

Editor's overall rating

Pros and cons

Pros
  • A large bonus

  • High rewards rate

  • High value benefits

  • Cool factor - metal card

  • No foreign transaction fee

Cons
  • High annual fee

  • Needs excellent credit

The Chase Sapphire Reserve® is an excellent premium travel credit card, a higher-end version of the Chase Sapphire Preferred® Card with better perks and a higher bonus rewards rate. It also has a bigger annual fee of $550, but two-thirds of it can be wiped out by the $300 in annual credits for travel expenses. The card's big sign-up bonus also takes the sting out of the annual fee for a while.

With the Chase Sapphire Reserve®, you earn 3 Chase Ultimate Rewards points per $1 spent on travel and restaurants and 1 point per $1 spent on everything else. Chase Sapphire Reserve® cardholders can get a value of 1.5 cents per point when redeeming points for travel through Chase. That means travel and dining expenditures can have an effective 4.5% rewards rate.

Like other premium travel cards, this one includes luxury travel perks like airport lounge access and a reimbursement for the application fee for Global Entry or TSA PreCheck.

It's rare to find a travel card that combines perks and rewards so effectively. That makes this card one of the best options available for anyone who spends a significant amount of money on travel and dining.

For more, read our full review of the Chase Sapphire Reserve®.