Chase Sapphire Reserve®

Earn 60,000 bonus points

after you spend $4,000 on purchases in the first 3 months from account opening.

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Editors Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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 5X total points on air travel 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.

How to Earn Rewards

10x

Earn 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ after the first $300 is spent on travel purchases annually.

10x

Earn 10x total points on Chase Dining purchases through Chase Ultimate Rewards when you make prepaid restaurant reservations, order takeout or join our virtual cooking events.

5x

Earn 5X total points on air travel when you purchase travel through Chase Travel℠ after the first $300 is spent on travel purchases annually.

3x

Earn 3x points on other travel worldwide, after the first $300 is spent on travel purchases annually.

3x

Earn 3X points on dining at restaurants including eligible delivery services, takeout and dining out.

1x

Earn 1 point per $1 spent on all other purchases

Annual Fee

$550

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 $550 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.

Having Sapphire Reserve also makes your Ultimate Rewards worth 1.5 cents each when redeemed via the Chase Travel℠ to book travel. For example, 60,000 points are worth $900 of travel.

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.

 

Benefits

$300 Travel Credit

$300 annual travel credit as reimbursement for travel purchases charged to your card each year

Priority Pass Membership

Priority Pass Membership, giving you access to 1,300+ airline lounges worldwide

Up to $120 Credit

$120 Global Entry/TSA PreCheck credit 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

Trip delay and primary rental car insurance

Metal Card

Card is made of metal

Compared to Other Cards

The Platinum Card® from American Express

Welcome Bonus:

Earn 80,000 Membership Rewards® points

after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Annual Fee:

$695

Terms Apply. | Rates & Fees.

Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Welcome Bonus:

60,000 bonus points

after $4,000 in purchases in your first 3 months from account opening.

Annual Fee:

$95

Editorial Note

Content is not provided or commissioned by credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.