Chase Sapphire Reserve®
BEST FOR: Our pick for 5x travel rewards
Chase Sapphire Reserve® Review
Whether you're a serious traveler or just looking to save on your annual vacation, the Chase Sapphire Reserve® has a lot to offer. Don't be fooled by the steep annual fee – this credit card can save you tons of money with its valuable points and long list of generous perks.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Chase Sapphire Reserve®
SIGN-UP BONUS
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase TravelSM.
REWARDS RATE
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM 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
Sign-Up Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase TravelSM.
Rewards Rate
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM 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
Extra Perks
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Annual Fee
$550
Card Brand
Visa®
Recommended Credit Score
ExcellentHighlights
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase TravelSM.
- $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 TravelSM 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 TravelSM. For example, 60,000 points are worth $900 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
- Member FDIC
Additional Info
$0
Either $5 or 5% of the amount of each balance transfer, whichever is greater
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Features
Our pick for 5x travel rewards
From the LendingTree editorial team, updated on Apr 02, 2024
The Chase Sapphire Reserve® is a top travel rewards credit card and offers some of the best perks and rewards available. Although it comes with a $550 annual fee, there is a long list of generous benefits that can easily make up for the yearly charge – especially for frequent travelers! For starters, cardholders earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. that's $900 toward travel when you redeem through chase travelsm.
You'll also earn Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM 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. A few of the big perks that largely offsets the hefty annual fee is a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
The points you earn with the Chase Sapphire Reserve® are among the most valuable credit card points available. You 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. Plus, you have the option of 1:1 point transfers to a number of leading airline and hotel loyalty programs. If you have the Chase Sapphire Reserve® or Chase Sapphire Reserve® credit card, you can even combine points between your accounts to maximize your earnings.
The Good
- This card is jam-packed with helpful rewards and benefits. Between airport lounge access, annual travel credits, and flexible redemption options, there are plenty of ways to save money on travel. Plus, the rewards rate is extra high, and there's no cap on the amount of points you can earn.
The Not So Good
- The annual fee isn't waived the first year and there is no intro APR with this card.
The Bottom Line
Whether you're a serious traveler or just looking to save on your annual vacation, the Chase Sapphire Reserve® has a lot to offer. Don't be fooled by the steep annual fee – this credit card can save you tons of money with its valuable points and long list of generous perks.
Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Chase.
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Rewards Rate
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Sign-Up Bonus
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Intro Purchase APR
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Intro Balance Transfer APR
0% intro APR for 21 months on Balance Transfers
Regular Purchase & BT APR
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Welcome Offer
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Rewards Rate
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Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open.
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