Chase Sapphire Reserve

For People with
Excellent Credit



The Chase Sapphire Reserve Card is a brand 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 point bonus for spending $4,000 in the first 3 months (worth $1,500 when redeemed 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. This is a Visa Infinite card, providing even more valuable services than Visa Signature.

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

  • 3X points on travel and dining worldwide
  • 50,000 points for spending $4,000 in 3 months
  • 1:1 point transfer to airline and hotel loyalty programs
  • $300 annual credit for travel expenses
  • $100 Global Entry and TSA PreCheck application credit
  • Visa Infinite Concierge
  • Priority Pass Select Membership
  • Luxury Hotels and Resorts Collection
  • Travel and Shopping protections
  • $450 annual fee
  • 17.74%–24.74% Variable APR

For People with
Excellent Credit



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Card Details



  • 3X points per dollar on travel and 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
Card Stats

Card Stats

Annual Fee $450
Additional Cards Annual Fee $75
Regular Purchase APR 17.74%–24.74% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
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 17.74%–24.74% Variable
Balance Transfer Fee 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 26.74% 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 each year to cover travel expenses.

  • Visa Infinite Concierge

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

  • Global Entry or TSA PreCheck Application Fee Credit

    Get a statement credit to pay for your express security service (optional)

  • 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.

  • Car Rental Privileges

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

  • 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.

  • Add Authorized Users

    Each additional card has a $75 annual fee.

  • Zero Liability Protection

    You will not be held responsible for unauthorized use of your card.

  • 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.

  • Price Protection

    If you made a purchase in the U.S. that you find advertised at a cheaper price within 90 days, you can get reimbursed the difference; up to $500 per item, $2500 per year.

  • Return Protection

    Store won’t take back your eligible item? 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, $1000 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:  
 1 reviews
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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