- Sign-Up Bonus
- 4
- Spending Multipliers
- 5
- Credits & Features
- 5
- Fees
- 2
- Application
- 4
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 4
- Spending Multipliers
- 5
- Credits & Features
- 5
- Fees
- 2
- Application
- 4
- Issuer
- NaN
The Chase Sapphire Reserve Credit Card is a premium travel rewards card designed for frequent travelers and high-spending consumers who want luxury perks, extensive travel protections, and flexible points redemption. Ideal for those who value experiences and travel convenience, the card offers 1x point on all purchases with boosted 2x points on select travel, and points can be transferred between cards for maximum flexibility. It includes robust protections such as purchase protection up to $10,000 per claim, return protection up to $500 per item, auto rental collision coverage, and comprehensive trip benefits including cancellation/interruption insurance up to $10,000 per person, baggage delay insurance, trip delay reimbursement, and emergency evacuation and medical coverage. Cardholders also receive premium perks like $300 annual travel credit, semi-annual dining and subscription credits, Apple TV+ and Apple Music credit, DashPass membership, Priority Pass Select lounge access, IHG Platinum Elite status, and $120 credit for Global Entry, TSA PreCheck, or NEXUS every four years. While the annual fee is not waived in the first year, some credits are incremental or time-limited, and additional benefits unlock after $75,000 in annual spend, the Chase Sapphire Reserve card is best suited for travelers seeking unparalleled protection, elevated rewards, and a wide array of luxury travel and lifestyle benefits.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Chase has a strict 5/24 rule, meaning you will be rejected if you opened 5 or more cards in the past 24 months
- Welcome bonus is only available if you don’t have a Sapphire card and did not open a Sapphire card in the last 48 months
- Consider having at least a credit history for 1 year or a credit card with Chase for 3 months
- Avoid applying for more than 2 Chase cards in 30 days
Fees
- $795 Annual Fee
- $195 fee per additional authorized user card
- No Foreign Transaction Fee
- Up to $40 late fee
- Up to $40 return payment fee
- 19.49% - 27.99% Variable APR
- 28.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 19.49% - 27.99% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)