Chase Sapphire Reserve®
Earn 60,000 bonus points
after you spend $4,000 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 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
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 $100 Credit
$100 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
Chase Sapphire Reserve®
Welcome Bonus:
Earn 60,000 bonus points
after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee:
$550
The Platinum Card® from American Express
Welcome Bonus:
Earn 80,000 Membership Rewards® points
after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
Annual Fee:
$695Terms Apply. | Rates & Fees.
Chase Sapphire Preferred® Card
Welcome Bonus:
60,000 bonus points
after $4,000 in purchases in your first 3 months from account opening. Plus, get up to $300 in statement credits on Chase Travel℠ purchases within your first year.
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 $100 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 $100 I have ever spent.
The fee is certainly not cheap but in this case it is absolutely worth it.