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Chase Sapphire Reserve®
BEST FOR: Our pick for 8x 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 could 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.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Chase Sapphire Reserve®
SIGN-UP BONUS
Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
REWARDS RATE
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
Sign-Up Bonus
Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Rewards Rate
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points 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
$795
Card Brand
Visa®
Recommended Credit Score
ExcellentHighlights
- Click APPLY NOW to apply online.
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
- Member FDIC
- Rates & Fees
Additional Info
Foreign Transaction Fee
$0
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
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 8x travel rewards
From the LendingTree editorial team, updated on Aug 22, 2025
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 $795 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 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
You'll also earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points 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. Plus, as a cardholder, you get a bevy of valuable statement credits - cha-ching!
The Good
- This card is jam-packed with helpful rewards and benefits. Between airport lounge access and annual travel credits, there are plenty of ways to save money on travel. Plus, the rewards rate is super-strong, 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 could 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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Welcome Offer
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Streaming Benefits
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Welcome Offer
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Rewards Rate
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Sign-Up Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Flexible Redemption
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
Rewards Rate
1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
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