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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.
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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.
REWARDS RATE
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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.
Rewards Rate
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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.
- $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 Travel℠ 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 Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 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 Pass™ 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
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 5x travel rewards
From the LendingTree editorial team, updated on Oct 15, 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.
You'll also earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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 Travel℠. For example, 60,000 points are worth $900 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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How LendingTree Gets Paid
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all credit cards available in the marketplace.
Apply Now
on Bank of America's secure site
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.
See Our Review
Apply Now
on Discover's secure site
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 18.74% - 27.74% Variable APR.
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Sign-Up Bonus
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
See Our Review
Apply Now
on Bank of America's secure site
Sign-Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APRs
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.74% - 28.74% Variable APR on purchases and balance transfers will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
Rewards Rate
1.5% cash back on all purchases.
See Our Review