Chase Sapphire Reserve®
on Chase's website
Chase Sapphire Reserve®
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. From 6/1/20 through 6/30/21, gas station & grocery store purchases will also count towards earning your Travel Credit
3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 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, 50,000 points are worth $750 toward travel
With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
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 and up to $100 application fee credit for Global Entry or TSA Pre✓®
Earn 3x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services
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$95 |
Regular APR16.99% - 23.99% Variable APR | Regular APR15.99% - 22.99% Variable APR | |
Intro APRN/A | Intro APRN/A | Intro APR0% intro APR on Purchases for 12 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?
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Just tell us some details and see which card matches your needs most.
NerdWallet review
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®.
