Rated 5/5 stars by our editorial team
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4.8/5.0 from 5 Offer Ratings
Over the Past 60 Days!
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Regular Purchase APR
16.99%-23.99% Variable
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Intro Purchase APR
N/A
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Intro BT APR
N/A
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Typical Credit Needed
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Annual Fee
$550
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- 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
- 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
Card Fees
Foreign Transaction Fee
$0
Balance Transfer Fee
Either $5 or 5% of the amount of each balance transfer, whichever is greater
Cash Advance Fee
Either $10 or 5% of the amount of each transaction, whichever is greater.
Additional Card Details
$0 Fraud Liability
Yes
Auto Rental Insurance
Yes
Extended Warranty Program
Yes
Roadside Assistance
Yes
Purchase Protection
Yes
Travel Assistance
Yes
Flight Accident Insurance
Yes
Lost Luggage Reimbursement
Yes
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Concierge Service
Yes
Expert Reviews
Editorial Disclaimer: This content is not provided by the bank advertiser. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer's Affiliate Program.
From the LendingTree.com Editorial Team
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 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
You'll also earn 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.. 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, 50,000 points are worth $750 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 Freedom® or Chase Freedom Unlimited® credit card, you can even combine points between your accounts to maximize your earnings.
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.
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.
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.
Consumer Reviews 5 Reviews
Offer Rating
4.8 out of 5.0
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Related Card Offers
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Introductory APR
0% Intro APR for 15 months on purchases
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Sign-up Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
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Regular APR
14.99% - 23.74% Variable
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Typical Credit Needed
-
Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
- Earn unlimited 1.5% cash back on all other purchases.
- Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
- No annual fee
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open
See additional details for Chase Freedom Unlimited®
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Sign Up Bonus
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
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Rewards Rate
2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases.
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Rates & Fees
No Foreign Transaction Fees
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Typical Credit Needed
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Annual Fee
$99
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
- 6,000 bonus points after your Cardmember anniversary each year.
- 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
- 1 point per $1 spent on all other purchases.
- No foreign transaction fees.
- No blackout dates or seat restrictions.
- Your points never expire.
- Redeem your points for flights, hotel stays, gift cards, access to events, and more.
See additional details for Southwest Rapid Rewards® Premier Credit Card
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Sign Up Bonus
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
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Rewards Rate
2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases.
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Extra Perks
3,000 bonus points after your Cardmember anniversary.
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Typical Credit Needed
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Annual Fee
$69
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
- 3,000 bonus points after your Cardmember anniversary each year.
- 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
- 1 point per $1 spent on all other purchases.
- All points earned count towards Companion Pass.
- No blackout dates or seat restrictions.
- Your points never expire.
- Redeem your points for flights, hotel stays, gift cards, access to events, and more.
See additional details for Southwest Rapid Rewards® Plus Credit Card
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