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).
Ease of Reward Redemption
Perks & Features
This table shows approximate credit score category ratings based on FICO® Score 8 and should only be used as a general guide.