Chase Sapphire Reserve®
Earn 100,000 bonus points + $500 Chase TravelSM promo credit
after you spend $5,000 on purchases in the first 3 months from account opening.
Quick Summary
Chase Sapphire Reserve is widely regarded as the best premium travel credit card on the market. The annual fee is steep, but the benefits of this card are fantastic. Remember that the card comes with a $300 annual travel credit, which makes the fee much easier to justify.
Earn 8x points on all purchases through Chase TravelSM, including The EditSM and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
How to Earn Rewards
8x
Earn 8x points on all purchases through Chase TravelSM, including The EditSM.
4x
Earn 4x points on flights and hotels booked direct.
3x
Earn 3x points on dining worldwide.
1x
Earn 1x points on all other purchases.
Annual Fee
$795
Benefits
$300 Travel Credit
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Priority Pass Membership
Access over 1,300 airport lounges worldwide with a complimentary Priority PassTM Select membership, plus every Chase Sapphire Lounge® by The Club with two guests.
Up to $120 Credit
$120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
Complimentary Lyft Pink and DashPass Subscriptions
One year complimentary Lyft Pink and DashPass subscriptions (activate DashPass by 12/31/27)
Trip Insurance
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Metal Card
Card is made of metal
Compared to Other Cards
Chase Sapphire Reserve®
Welcome Bonus:
Earn 100,000 bonus points + $500 Chase TravelSM promo credit
after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee:
$795
The Platinum Card® from American Express
Welcome Bonus:
You may be eligible for as high as 175,000 Membership Rewards® Points
after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Annual Fee:
$695Terms Apply. | Rates & Fees.
Chase Sapphire Preferred® Card
Welcome Bonus:
Earn 75,000 bonus points
after you spend $5,000 on purchases in the first 3 months from account opening.
Our Take
The Chase Sapphire Reserve is widely regarded as the best premium travel credit card on the market thanks to its generous signup bonus and incredible perks. It’s got a lot of moving parts, so let’s take a look at how they work.
Let’s start with the bad news. It has a $795 annual fee that is not waived for the first year. Plan on it being charged to your card in the first month or so. Most people don’t get past that fee. But read on…that fee gets you a ton of amazing perks.
For starters, you get a generous welcome bonus.
Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.
Next, you get a $300 annual travel credit that is good for any sort of travel expense. Even paid tickets. So unless you are spending less than $300 on travel per year (in which case, why are you reading this website?) the annual fee becomes more manageable.
Finally, your Sapphire Reserves comes with complimentary membership to Priority Pass, allowing you to access more than 1300+ airport lounges worldwide.
The Chase Sapphire Reserve also gives you a $120 credit every four years to cover your application fees for TSA PreCheck or Global Entry, as well as some of the best trip interruption and rental car insurance coverage on the market. Personally, I think that TSA Precheck is the best $120 I have ever spent.
The fee is certainly not cheap but in this case it is absolutely worth it.