Chase Sapphire Reserve® review
This card offers luxury perks that make its annual fee worthwhile, like airport lounge access and concierge services. Plus, points are worth 50% more when redeemed for travel.
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Chase Sapphire Reserve®
- Rewards
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
- Welcome Bonus
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- Annual Fee
- $550
Credit Score: Excellent
Key Features
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 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 every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
Editor Analysis:
- The introductory offer of 60,000 points is worth $900 in travel when you redeem through Chase Travel℠.
- Cardholders can receive a reimbursement of up to $300 in statement credit each account anniversary to cover a variety of travel expenses including airfare and hotel charges.
- Cardholders receive complimentary access to more than 1,000 VIP airport lounges in over 500 cities worldwide after a one-time enrollment in Priority Pass Select.
- The annual fee is quite high at AnnualFees ($75 for each additional authorized user). If you want similar rewards opportunities and some similar travel perks, you might consider the CardName, discontinued which has a much lower annual fee.
card_name sign up bonus
What if we told you that there’s a credit card out there that is offering the rewards equivalent of $900 in travel dollars as an introductory offer?
Well, start dreaming about your next vacation. With CardName that introductory offer isn’t a dream. New cardholders earn 60,000 points after spending $4,000 on their card in the first three months; those points, when redeemed for travel through Chase Travel, are worth $900.
That’s not all though. For anyone who loves to travel, this card is certainly worth consideration. From solid ongoing rewards to excellent travel benefits, there’s much that this card offers that easily offsets its annual fee.
card_name benefits
CardName rewards are plentiful, including generous points earned on everyday purchases, excellent point redemption opportunities and a $300 annual travel credit as reimbursement for travel purchases charged to the card each account anniversary year.
Cardholders can look forward to 10 points per dollar on Chase Dining through Ultimate Rewards, 10 points per dollar on hotels and car rentals purchased through Chase Travel (after earning your travel reimbursement), five points per dollar on air travel through Chase Travel (after earning the annual reimbursement), three points on other travel (after earning the $300 travel credit) and at restaurants worldwide, and one point per dollar for all other purchases.
Points are only as good as their redemption options and luckily those options are numerous with this card. Points earned can be redeemed for travel through Chase Travel for a 50% bonus making every point worth 1.5 cents. They can also be transferred to a leading airline or hotel loyalty program at a 1:1 rate, redeemed for a wide selection of gift cards, or redeemed for statement credits for purchases. With a variety of high value options, the card_name card offers excellent flexibility when it comes to making most out your rewards.
Annual statement credits for travel purchases aren’t unheard of in the luxury travel card market, but having those credits extend beyond just airline fees is unique. CardName offers cardholders up to $300 in automatic statement credit each year to cover everything from airline tickets to hotel stays. Additionally, card members can sign up for Global Entry or TSA PreCheck and receive up to $100 for the application fee every four years when using their card.
But the money-saving perks don’t end there. Cardholders receive one complimentary year of Lyft Pink (a value of at least $199), the ride share service’s membership program that offers members discounts on each ride as well as additional comfort perks.
Take full advantage of just the travel fee credit ($300) and the complimentary Lyft Pink membership (at least $199) and you will have almost completely offset your annual fee; and we haven’t even talk about the airport lounge access and additional travel benefits.
card_name travel benefits
As one of the best travel rewards credit cards on the market today, the CardName offers world class perks including travel insurance, car rental insurance and lounge access. Some top benefits include:
card_name travel insurance
No one wants to be caught off guard while they are traveling. Should things go wrong, it is good to have travel insurance in place to make sure that you are protected from unforeseen events. The travel insurance coverage provided by the CardName is extensive and it comes automatically with owning the card. The card_name card’s travel insurance coverages can provide peace of mind and incredible value in the event that your trip doesn’t go according to plan. Some of these top benefits include:
- Trip cancellation/interruption insurance up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses.
- Trip delay reimbursement up to $500 per ticket if you’re delayed more than six hours or require an overnight stay.
- Emergency evacuation and transportation coverage up to $100,000.
- Emergency medical and dental reimbursement up to $2,500 for medical expenses if you or your immediate family member becomes sick or injured more than 100 miles away from your home.
- Baggage delay insurance up to $100 a day for five days for baggage delays over six hours.
- Lost luggage reimbursement up to $3,000 per passenger.
card_name car rental insurance
One of the specific insurance coverages provided by the CardName is car rental insurance coverage. The auto rental collision damage coverage included with the card_name provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad when booked using the card. This is one of the highest and most extensive coverages offered in the industry and it comes included with the card.
card_name Priority Pass
Another excellent benefit of the card is the CardName lounge access. Cardholders receive complimentary access to more than 1,000 VIP airport lounges in over 500 cities worldwide after a one-time enrollment in Priority Pass Select.
card_name foreign transaction fee
Not only does the CardName reward you for travel and dining purchases worldwide, but it doesn’t charge you any foreign transaction fees while doing so. Think about it this way: If you take an international trip and spend $4,000 with your card_name card, you’ll save yourself $120 in fees over using a card that charges a typical 3% foreign transaction fee on each purchase. That’s $120 that you could spend on another meal out (and earn yourself a few more rewards points), for one last tour or excursion, on souvenirs, etc. This card is really designed with the traveler in mind– including the international travel.
card_name credit score requirments
The CardName requires good to excellent credit to get approval but other factors might also be considered in the application process including payment history of revolving credit, your total open cards, and the average age of accounts open. If you have limited credit history or are currently building your credit, it may be difficult to get approved for the card_name card.
card_name annual fee
With a sizable AnnualFees annual fee, the CardName card isn’t for everyone. If you are someone who does not frequently travel or eat out often, it may be a lot harder to justify the cost of having this card in your wallet. However, for those that can take full advantage of the $300 annual travel credit, the statement credit offered for TSA PreCheck or Global Entry, and the card_name lounge access provided through Priority Pass, the Lyft Pink membership and more, the card_name card provides a tremendous amount of value for the cost.
CardRatings Tip
If you hold other Chase-Ultimate-Rewards-earning cards, you can pool the points earned with those cards with the points you earn with the card_name. And because card_name points are worth 50% more when redeemed for travel, that means all points pooled into your Sapphire account could also be worth 50% more in value! There a number no-annual-fee Chase credit cards that make a lot of sense to hold alongside the card_name. Learn more about how to best take advantage of this strategy in our Guide to Chase Ultimate Rewards.
How do cardholders rate the card_name?
CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results for the CardName:
| Current Scores | Past Scores | |
|---|---|---|
| Overall Score | 75.6 | 83.2 |
| Features Satisfaction | 7.5 | 8.2 |
| Customer Service | 7.6 | 8.3 |
| Website/App Usability | 7.7 | 8.3 |
| Likelihood of Continuing to Use | 8.1 | 8.7 |
| Recommend to a Friend/Colleague | 7.3 | 8.4 |
How does the card_name compare to other travel cards?
card_name vs. CardName
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With a lower annual fee, excellent Chase Ultimate Rewards earning potential, and varied redemption options, the CardName is a great alternative to the card_name card. The CardName is currently offering 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening (worth $750 when redeemed through Chase Travel). Because the CardName allows you to redeem points for 1.25 cents per point through Chase Travel, this bonus is worth $750 when redeemed for travel. The 60,000-point bonus offered by the card_name card is worth $900 when redeemed through the travel portal, as the points are valued at 1.5 cents.
Because of the ability to earn 5x on travel purchased through Chase Travel; 3x on dining, select streaming services and online groceries; 2x on all other travel purchases; 1x on all other purchases; and a $50 Annual Chase Travel Hotel Credit, the CardName justifies its AnnualFees annual fee, especially when compared to the card_name annual fee. The CardName card doesn’t have the $300 annual travel credit though, or the $100 application fee credit for Global Entry or TSA PreCheck.
To learn more about how these cards line up side-by-side, see our full Chase Sapphire Reserve® vs. Chase Sapphire Preferred® comparison.
card_name vs. card_name
discontinued
CardName is another strong contender in the luxury card market, though it comes with a higher annual fee of AnnualFees. American Express is a CardRatings advertiser. See Rates and Fees
card_name earns five points for flights booked directly with airlines or through the Amex travel portal (on up to $500,000 spent on these purchases per calendar year) as well as five points for hotels bookings made through the portal. Otherwise, its perks are similar to the card_name card and include airport lounge access, airline fee reimbursement up to $200 in statement credit annually for fees charged by a pre-selected airline, and Global Entry or TSA PreCheck fee reimbursement. That said, the Platinum Card® does offer a plethora of additional credit opportunities – a value of more than $1,400 during your first year as a cardholder. Additionally, new cardholders can earn 80,000 bonus points after spending $8,000 on eligible purchases in the first six months of card membership. Enrollment required for select benefits.
Is card_name worth it?
The CardName card is raising the bar in the luxury credit card world with its stellar introductory offer and top-of-the-line rewards-earning and redemption possibilities. If you are a frequent traveler and can take advantage of the numerous travel perks, rewards earning potential, and travel credits offered by the card then the card_name is worth it for most frequent travelers.
That being said, with a AnnualFees annual fee as well as additional fees for adding on authorized users, the card_name card is not for everyone. If you are more of a casual traveler or want a simpler cash back earning card, the card_name may not be the best fit for you.
Frequently asked questions
What is the annual fee for card_name_placeholder?
Does card_name_placeholder have rental car insurance?
Does card_name_placeholder have Priority Pass?
How hard is it to get a card_name_placeholder card?
Our Methodology
Survey methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents’ scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted. Current Scores reflect scores from the most recent survey (2023); “Past Scores” reflect scores from the 2022 survey.
Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.
To see the rates and fee for CardName, please visit the following link: See Rates and Fees
