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Chase Sapphire Reserve®

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The Chase Sapphire Reserve has a top-tier annual fee, but don’t be shy because it provides some top-tier travel rewards and benefits as well. It offers a $300 travel credit, earns extra points on travel and dining, and has excellent point transfer and redemption opportunities.

How To Apply Read our Review
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Our rating
Min. credit level: Excellent
Annual Fee: $550
Regular APR: 16.99%-23.99% Variable

Chase Sapphire Reserve®

Our rating
Excellent Min. credit level
$550 Annual Fee
How To Apply Read our Review

Highlights & Features

Rewards

Spending Rewards
  • 10X Ultimate Rewards points per dollar on Lyft rides (through 3/31/22)
  • 3X Ultimate Rewards points per dollar on:
    • Travel (after the full travel credit is used)
    • Dining
    • Groceries (up to $1,000 spent per month; through 4/30/21)
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 50,000 bonus points for spending $4,000 in the first 3 months after account opening

Chase Ultimate Rewards Travel Partners

Airline Partners

  • Aer Lingus AerClub
  • British Airways Executive Club
  • Emirates Skywards
  • Flying Blue AIR FRANCE KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club

Hotel Partners

  • IHG Rewards Club
  • Marriott Bonvoy
  • World of Hyatt

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 16.99%-23.99% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee $75
Foreign Transaction Fee $0
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 24.99% Variable
Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater.
How to Get a Cash Advance with a Credit Card
ABOUT THE ISSUER

Chase

Chase has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-432-3117 or

Try a different phone number
See all Issuer Cards

The Chase Sapphire Reserve Card offers some of the best travel rewards and benefits on the market.

Your $300 travel credit will apply to a wide variety of travel expenses, and you’ll get 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 $550, so make sure you’ll be using it often enough to pay for the cost.