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





  • 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
22.24% - 29.24% Variable

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

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

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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.