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Chase Sapphire Reserve®

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Chase Sapphire Reserve® Review

Offer Rating

4.5/ 5

By Our Content Team

As the industry standard for premier travel rewards, Chase Sapphire Reserve® is a powerful card packed to the brim with perks and rewards. Cardholders enjoy up to 8x points on purchases, plus premium benefits like airport lounge access and an annual travel credit.

4.5
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Current Offer
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

on Chase's secure site

  • Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  • 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.
  • Access to 1,300+ airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests.
  • $795
  • Excellent
  • Visa®

Product Details

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  • Select to apply online
  • Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  • Get $3,000 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 subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
  • Member FDIC

Our Expert Review

Why We Like It


Offer Rating

4.5/ 5

By Our Content Team

Enjoy premium travel perks like a $300 annual travel credit, airport lounge access, and more

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It's hard to find a travel credit card that delivers as many perks and benefits as the Chase Sapphire Reserve® card. While some consumers might initially scoff at the $795 annual fee, this card packs in $3,000 in annual value – making that fee much easier to justify once you see what’s included. Right off the bat, new cardholders earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. You also receive a $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year. These two perks alone deliver a ton of first-year value!

The rewards rate on your spending is exceptionally generous with Chase 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. Additionally, cardholders can enjoy travel perks like access to 1,300+ airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests, and up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years. This card also equips you for travel with Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more. All in all, the Chase Sapphire Reserve® card is an outstanding choice for travelers who want premium benefits and exceptional value that far exceeds the annual fee.

Pros & Cons

Pros

  • This card's benefits total $3,000 in annual value.
  • New cardmembers can earn a massive welcome offer after meeting spending requirements.
  • Earn up to 8x points on purchases with no limit on the number of points you can earn.

Cons

  • The annual fee is quite high, and it isn't waived for the first year like some other cards.
  • There is no intro APR on purchases or balance transfers.

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