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Chase Credit card
Chase Sapphire Reserve®
Points
VISA
Apply for Chase Sapphire Reserve®

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Card review

Chase Sapphire Reserve®

4.5 4.5 out of 5 9.0/10 DebitCue Score Verified

Chase's flagship premium travel card with over $2,700 in annual credits

Fee
$795 USD/yr
Purchase APR
19.49% - 27.99%
Interest-free
-
Foreign fee
None
Rewards
8x on Chase Travel, 4x on direct flights/hotels, 3x dining; 1:1 transfer to airline/hotel partners
Welcome offer
125,000 points after $6,000 spend in first 3 months

Our verdict

What stands out, and where it falls short.

What we like

  • 8x on Chase Travel, 4x on direct flights/hotels, 3x…
  • Welcome bonus
  • No foreign transaction fees
  • Airport lounge access
  • Travel insurance included

Worth weighing

  • $795 USD/yr card fee

Who It Is For

Whether the Chase Sapphire Reserve® fits how you actually spend.

Pick it if you are

  • Frequent travelers
  • People who want rewards on their spending
  • Travelers who value airport lounges

Skip it if you are

  • Light spenders who won't beat the $795 USD/yr fee

Rates and fees

As of

All amounts shown in USD.

Card fee
$795 USD/yr
Purchase APR
19.49% - 27.99%
Interest-free period
-
Foreign transaction fee
None
Authorized user fee
$195 per authorized user

Rewards and features

Rewards
8x on Chase Travel, 4x on direct flights/hotels, 3x dining; 1:1 transfer to airline/hotel partners
Welcome offer
125,000 points after $6,000 spend in first 3 months
Pay with
Apple Pay, Google Pay, Contactless, Virtual card
Apple TV+ & Apple Music
Complimentary subscriptions through June 22, 2027
Hotel credit (The Edit)
Up to $500 at The Edit by Chase Travel annually
Lyft credits
$120 in annual Lyft in-app credits

Benefits and perks

Extras that come bundled with the card.

  • Chase Sapphire Lounge by The Club + 1,300 Priority Pass lounges
  • Trip cancellation/interruption, trip delay, lost luggage, baggage delay
  • Primary auto rental collision damage waiver
  • Up to $120 Global Entry/TSA PreCheck credit every 4 years
  • $300 annual travel credit
  • $300 annual dining credit
  • Visa Infinite Concierge service

Eligibility

What you need before you apply.

Sapphire rule
Only one Sapphire card welcome bonus per 48 months

Chase Sapphire Reserve®: your questions answered

How much does the Chase Sapphire Reserve® cost?
The Chase Sapphire Reserve® costs $795 USD/yr.
What rewards does the Chase Sapphire Reserve® earn?
The Chase Sapphire Reserve® earns 8x on Chase Travel, 4x on direct flights/hotels, 3x dining; 1:1 transfer to airline/hotel partners.
Does the Chase Sapphire Reserve® charge foreign transaction fees?
No - the Chase Sapphire Reserve® has no foreign transaction fees, so it suits spending abroad.
What is the interest rate on the Chase Sapphire Reserve®?
The Chase Sapphire Reserve® has a purchase APR of 19.49% - 27.99%.
Does the Chase Sapphire Reserve® have a welcome offer?
Yes - 125,000 points after $6,000 spend in first 3 months.
Is the Chase Sapphire Reserve® a credit, debit or prepaid card?
The Chase Sapphire Reserve® is a credit card issued by Chase on the Visa network.
Does the Chase Sapphire Reserve® support Apple Pay and Google Pay?
Yes - the Chase Sapphire Reserve® works with both Apple Pay and Google Pay.
Where can I get the Chase Sapphire Reserve®?
The Chase Sapphire Reserve® is currently offered in United States.
How does DebitCue rate the Chase Sapphire Reserve®?
DebitCue rates the Chase Sapphire Reserve® 4.5 out of 5 (9.0/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the Chase Sapphire Reserve®?
Use the Apply now button to continue on Chase's secure site. Comparing and applying through DebitCue is free.

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