Chase Sapphire Reserve®

Chase Sapphire Reserve®

on Chase's website

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Chase Sapphire Reserve®

on Chase's website

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Card details

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 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.

  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel

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

  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Rates, fees & offers

  • Annual fee

    $550

  • Rewards rate

    1x-10x

  • Bonus offer

    Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 19.99%-26.99% Variable APR

    Cash Advance APR: 27.99%, Variable

    Penalty APR: 29.99%, 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

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$550

Annual fee

$99

Annual fee

$199

Regular APR

19.99%-26.99% Variable APR

Regular APR

18.99%, 22.99% or 27.99%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

N/A

Intro APR

0% intro APR for 15 billing cycles on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Virginia C. McGuire

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • High rewards rate

  • Luxury perks

  • Premium travel protections

  • Transfer partners

  • Primary rental car coverage

Cons
  • High annual fee

  • Requires 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.