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RATING

Chase Sapphire Reserve®

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Our rating
Min. credit level: Excellent
Annual Fee: $550
Regular APR: 16.99%-23.99% Variable
Intro Balance Transfer APR: N/A for N/A
Intro Purchase APR: N/A for N/A

Chase Sapphire Reserve®

Our rating
Excellent Min. credit level
$550 Annual Fee
Apply Now 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
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 60,000 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 for 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 Up to 29.99%
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
Chase Sapphire Reserve®

Highlights

  • 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. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 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
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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 for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
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.

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