Card reviewChase
Updated Apr 18, 2026 · research
sapphire reserve card
ChaseChase Ultimate RewardsEditorially reviewed

Chase Sapphire Reserve®

Chase's flagship premium travel card offering 3x on dining and travel, a $300 annual travel credit, Priority Pass lounge access, and 50% more value when redeeming points through Chase Travel.

LuxuryPersonal
Visa
Credit profile: excellent
$550
Annual fee
10x pts hotels and car rentals via chase travel (after $300 travel credit)
Top rate
None
Foreign fee
N/A
Rating

Current Welcome Offer

60,000 points

$900 estimated value

Spend $4,000 in 90 days

Verifiedproduct page

Card Offers

public

60,000 points

Verified

$900 estimated value

Spend $4,000 in 90 days

product page

Earning Rates

Hotels and Car Rentals via Chase Travel (after $300 travel credit)
10xpoints

10x total points on hotels and car rentals purchased through Chase Travel after the first $300 is spent on travel purchases annually

Flights via Chase Travel (after $300 travel credit)
5xpoints

5x total points on flights purchased through Chase Travel after the first $300 is spent on travel purchases annually

Dining
3xpoints

3x points on dining at restaurants worldwide, including eligible delivery services, takeout, and dining out

Travel
3xpoints

3x points on other travel worldwide (not through Chase Travel)

All Other Purchases
1xpoints

Fees

Fee TypeAmount
Annual Fee$550
Foreign Transaction Fee0%

APR Information

Purchase APR
21.99% - 28.99%
Balance Transfer APR
21.99% - 28.99%
Cash Advance APR
29.99%

APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.

Card Benefits

12 benefits (10 strong or better)

Travel Insurance

Travel Access & Perks

Travel Credits

Purchase Protection

Statement Credits

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

About This Card

The Chase Sapphire Reserve® is Chase's top-tier personal travel rewards card. Cardholders earn 5x total points on flights and 10x total points on hotels and car rentals purchased through Chase Travel (after the first $300 is spent on travel purchases annually), 3x points on other travel and dining worldwide, and 1x point on all other purchases. The card comes with a $300 annual travel credit that automatically applies to travel purchases, Priority Pass Select lounge membership, up to $100 Global Entry/TSA PreCheck credit, trip cancellation/interruption insurance, primary auto rental collision damage waiver, lost luggage reimbursement, and no foreign transaction fees. Points are worth 1.5 cents each when redeemed through Chase Travel or can be transferred 1:1 to leading airline and hotel loyalty programs. The annual fee is $550.

Ready to Decide?

Apply for the Chase Sapphire Reserve®

60,000 points, worth about $900 estimated value, with a $550 annual fee.

Spend $4,000 in 90 days

Reward Program

Chase Ultimate Rewards

Earns Points

Learn more

Card Categories

TravelRewardsLuxuryNo Foreign Transaction FeeDining

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
  • 11 of 12 benefits rated high confidence
  • 1 of 1 offer verified
Learn More

Read our full methodology for how we collect, verify, and rate credit cards.

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