Chase Sapphire Reserve

The Chase Sapphire Reserve Card is a relatively new card, offering some of the best travel rewards and benefits on the market.

You’ll get 3X points on travel and dining, as well as 50,000 bonus points for spending $4,000 in the first 3 months (worth $750 when redeemed towards travel through Chase Ultimate Rewards).

You’ll also get a $300 travel credit each year, and other benefits and features that are worth hundreds of dollars. They include Priority Pass Select airport lounge access, a $100 application fee credit for Global Entry or TSA Pre✓, and more. This is a Visa Infinite card, providing even more valuable services than Visa Signature.

The 3X reward rate will begin after you earn the annual $300 travel credit. So you won’t earn rewards on the first $300 of travel expenses, but you’ll get a statement credit to cover the costs.

This card has a large annual fee of $450, so make sure you’ll be using it often enough to pay for the cost.

Card Quick Facts

Card Quick Facts

  • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named “Best Premium Travel Credit Card” for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®

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Card Details



  • 3X points per dollar on:
    • Travel
    • Dining worldwide
  • 1X point per dollar on all other purchases
  • 50% point bonus when redeeming through Chase Ultimate Rewards
How to Redeem

Introductory Bonus

  • 50,000 points for spending $4,000 in the first 3 months after account opening
Card Stats

Card Stats

Annual Fee $450
Additional Cards Annual Fee $75
Regular Purchase APR 17.99%–24.99% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 17.99%–24.99% Variable
Balance Transfer Fee 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 26.99% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • $300 Annual Travel Credit

    Get an automatic $300 statement credit each year to cover travel expenses.

  • Global Entry or TSA Pre✓ Application Fee Credit

    Get a statement credit to pay for the application fee of either Global Entry ($100) or TSA Pre✓ ($85), once every four years.

  • 1:1 Point Transfer

    Redeem your points at a 1:1 rate with a variety of airline and hotel loyalty programs.

  • Priority Pass Select Membership

    Relax in the comfort of over 900 airport lounges around the world. One-time activation required.

  • Luxury Hotel & Resort Collection

    A variety of benefits, upgrades, and discounts at participating locations around the world.

  • Visa Infinite Concierge

    Your personal assistant to help with dinner reservations, travel plans, event tickets, and much more.

  • Car Rental Privileges

    Special benefits from National Car Rental, Avis, and Silvercar.

  • Shop through Chase

    The Shop through Chase shopping portal provides extra points at a changing selection of merchants.

  • No Blackout Dates or Restrictions

    As long as you can find a seat on the flight, you will be able to book it using Chase Ultimate Rewards.

  • 24/7 Access to Customer Service Specialists

    Call anytime for professional customer service.

  • Zero Liability Protection

    You will not be held responsible for unauthorized use of your card. Contact customer support immediately if you suspect fraud.

  • Purchase Protection

    Provides coverage for 120 days against theft and damage, up to $500 per incident and $50,000 per account.

  • Extended Warranty Protection

    Extends a manufacturer’s warranty by 1 year, for warranties of 3 years or less.

  • Return Protection

    Store won’t take back your purchase? No problem. Get reimbursed for eligible items purchased on your card if you make the return within 90 days of purchase; up to $500 per item, $1,000 per year.

  • Trip Cancellation / Trip Interruption Insurance

    If a trip is disrupted for an eligible reason, provides reimbursement up to $10,000 per trip for non-refundable costs.

  • Emergency Evacuation & Transportation

    Covers the cost of emergency medical evacuations for you and your family (up to $100,000).

  • Trip Delay Reimbursement

    If a trip is delayed by over 12 hours, provides reimbursement for expenses like meals and lodging, up to $500 per ticket.

  • Lost Luggage Reimbursement

    If checked or carry-on bags are lost or damaged, provides reimbursement up to $3,000 per passenger.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.

  • Travel Accident Insurance

    Accidental death or dismemberment coverage of up to $500,000 when you pay for travel by air, bus, train or cruise with your card.

  • Baggage Delay Insurance

    Reimbursement for purchases such as toiletries and clothing when baggage delays go beyond 6 hours by the passenger carrier; up to $100 a day for 5 days.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 2 reviews
by High Yield Consultant

As retired Americans my wife and I do top tier cruising about 4 times a year and are outside the USA about 7 months a year. The worldwide dining benefit really has an impact for us. The AE Platinum really doesn't provide the best benefit package for us without a 3x dining rebate.

by Ash
Very good card

The chase sapphire reserve has been around for over 2 years now. I got the card shortly after it was released and I have to say that it has definitely been worth it so far. The sign up bonus and the earning categories are great for someone who is traveling and eating out frequently. Points add up quickly and reserving a flight through the chase ultimate rewards website is easy. You can also use the shop through chase feature to earn bonus points at most major retailers.I don’t recommend getting another card for an authorized user. You can save the authorized user fee and load the card on your spouses Apple or Samsung Pay. This can be an issue though if your spouse needs their own priority pass membership. The annual travel credit can be applied to a wide range of purchases including parking, airfares, train tickets, etc. Mine is typically used up in the first two to three months.I used the price protection benefit a few times and while it was sometimes a hassle dealing with, I eventually would be reimbursed for product price drops. Unfortunately that benefit is no longer available. I have yet to use the other purchase benefits, probably because I forget they’re available.I like having the peace of mind that the rental car collision damage waiver is primary as opposed to secondary like most cards. I have not had to use it yet though.The global entry fee was reimbursed very quickly.Point transfers are quick but make sure you only transfer to accounts that you get a better value for your points. There’s not many since you can redeem points through the ultimate rewards website or by calling chase directly at a very good value.All in all a great card that I use for everything but grocery and gas. Other cards provide a better return on those purchases.

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