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Chase Sapphire Reserve®

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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


  • 10X Ultimate Rewards points per dollar on:
    • Lyft rides (through 3/31/22)
    • Select streaming services (up to $1,500 spent, through 9/30/20)
  • 5X Ultimate Rewards points per dollar on:
    • Instacart (up to $3,000 spent, through 9/30/20)
    • Gas (up to $1,500 spent, through 9/30/20)
  • 3X Ultimate Rewards points per dollar on:
    • Travel
    • Dining worldwide
  • 1X Ultimate Reward point per dollar on all other purchases
  • 50% point bonus when redeeming through Chase Ultimate Rewards


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

Balance Transfers

A balance transfer is a way to move credit card debt from one credit 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


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 credit 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 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.

You’ll get 10X Ultimate Rewards points per dollar on Lyft rides (through March 2022), 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). The 3X points on travel starts after you finish using the $300 travel credit.

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.