Chase Sapphire Reserve® Card

Chase Sapphire Reserve® Card
Dan's Rating: 4.7 / 5   
Read 34 reviews

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Card Features

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The Sign-Up Bonus

  •  Earn 50,000 Chase Ultimate Rewards Points when you spend $4,000 in the first 3 months.

Get These Perks

  •   50% points redemption bonus when booking through Chase Ultimate Rewards
  •   Priority Pass Lounge Access

Pros & Cons

  No foreign transaction fees
  50% bonus for travel redeemed through Chase Ultimate Rewards®
  Complimentary Priority Pass™
  Global Entry or TSA Pre-check Credit
  VIP access
  Travel benefits
  Shopping benefits

  $450 annual fee; $75 for each authorized user

What You'll PayMore fee details 

Annual Fee
$0 the first year, $450 after that
Foreign Transaction Fees

Recommended Credit

Exceptional Review

Written by Amy last month

For frequent travelers who eat out a lot, this is one of the best flexible travel and dining rewards cards around. Although the annual fee is relatively high ($450), it is recouped by utilizing the card’s rewards and generous annual travel credit ($300).

Review of the Chase Sapphire Reserve® Card

With a focus on travelling on dining rewards, the Chase Sapphire Reserve® Card card offers 3X points on travel and dining and 1X on everything else.  If you tend to spend more in this “everything else” category (for example, on gas or groceries), a cash back card would be a better fit.

Points are redeemable through the Chase Ultimate Rewards program, which offers a 1:1 point transfer to leading airline and hotel loyalty programs including those offered by United, Southwest, Hyatt, Marriott, IHG, and Ritz-Carlton.  

This card also offers a sizeable sign-up bonus of 50,000 points after you spend $4,000 within the first 3 months.

As compared to the Preferred version, this Reserve card offers the same sign-up bonus, but more rewards (3X vs. 2X in the bonus categories) and a generous annual $300 travel credit. Although it has a $450 annual fee ($355 more than the Preferred version), this fee is recouped if you use the Reserve's annual $300 travel credit and spend at least $5,500 a year (1X more than the Preferred version X $5,5000 spending = 5,500 points = $55 value).  

The Bottom Line
If you know you’ll use the Reserve's travel features every single year, including the $300 travel credit, this card is one of the best flexible travel rewards cards available.

Reviews by the staff are the result of independent research by our editorial team, while user reviews and questions are contributions from website users who are not affiliated with in any way. Banks, issuers, and credit card companies are not responsible for any user content posted on the site, nor do they endorse or guarantee any posted comments, questions, or reviews. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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