Chase Sapphire Reserve®

Chase Sapphire Reserve®

on Chase's secure website

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Chase Sapphire Reserve®

on Chase's secure website

Card details

  • 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®

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

  • Named a 'Best Travel Credit Card for 2017' by MONEY® Magazine

  • 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✓®

Rates, fees & offers

  • Annual fee

    $450

  • Rewards rate

    1 point per dollar

  • 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: 17.74% - 24.74% Variable APR

    Cash Advance APR: 26.74%, Variable

  • Balance Transfer Fee

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

  • Foreign Transaction Fee

    None

Recommended credit score

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NerdWallet Review

By Virginia C. McGuire

Rating Details

4.4

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 $450, 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®.

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Rating Details

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