The Ultimate Guide to Credit Cards
Thursday, June 8, 2023

Chase Sapphire Reserve® Review

"Between the huge rewards and variety of travel perks, including an annual travel credit, this card is a solid choice for well-qualified applicants who can take full advantage of its benefits."
- Toby Sembower,
Advertiser Disclosure

BEST OVERALL RATING

★★★★★

4.7

OVERALL RATING

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $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 Ultimate Rewards® 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 Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
22.24% - 29.24% Variable
$550
Good/Excellent

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

Best Overall
(Ranked #17 out of 153)
★★★★★
4.7
Excellent Credit
(Ranked #16 out of 62)
★★★★★
4.7
Points & Gifts
(Ranked #3 out of 39)
★★★★★
4.8
Travel
(Ranked #3 out of 41)
★★★★★
4.9

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

Alternatives to Chase Sapphire Reserve®

Be sure to visit the official website for Chase Sapphire Reserve® to learn complete details about its features and terms. If you’re not quite sure if Chase Sapphire Reserve® is right for you, we encourage you to check out these guides to popular alternatives:

Before applying for the Chase Sapphire Reserve® offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.