Chase Sapphire Reserve®
on Chase's website
Chase Sapphire Reserve®
Card details
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
$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 Ultimate Rewards® 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 Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
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
Rates, fees & offers
Annual fee
$550
Rewards rate
1x-10x
Bonus offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.
Intro APR
N/A
Ongoing APR
APR: 21.24%-28.24% Variable APR
Cash Advance APR: 29.24%, Variable
Penalty APR: 29.99%, Variable
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
None
Recommended credit score
Compare to other cards
| Learn more | Learn more | |
Annual fee$550 | Annual fee$99 | Annual fee$199 |
Regular APR21.24%-28.24% Variable APR | Regular APRSee Terms | |
Intro APRN/A | Intro APR0% intro APR for 15 billing cycles on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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Rating details
5
Editor's overall rating
Pros and cons
Pros
High rewards rate
Luxury perks
Premium travel protections
Transfer partners
Primary rental car coverage
Cons
High annual fee
Requires excellent credit
The Chase Sapphire Reserve® is an excellent premium travel credit card, a higher-end version of the Chase Sapphire Preferred® Card with better perks and a higher bonus rewards rate. It also has a bigger annual fee of $550, but two-thirds of it can be wiped out by the $300 in annual credits for travel expenses. The card's big sign-up bonus also takes the sting out of the annual fee for a while.
With the Chase Sapphire Reserve®, you earn 3 Chase Ultimate Rewards points per $1 spent on travel and restaurants and 1 point per $1 spent on everything else. Chase Sapphire Reserve® cardholders can get a value of 1.5 cents per point when redeeming points for travel through Chase. That means travel and dining expenditures can have an effective 4.5% rewards rate.
Like other premium travel cards, this one includes luxury travel perks like airport lounge access and a reimbursement for the application fee for Global Entry or TSA PreCheck.
It's rare to find a travel card that combines perks and rewards so effectively. That makes this card one of the best options available for anyone who spends a significant amount of money on travel and dining.
For more, read our full review of the Chase Sapphire Reserve®.
