Chase Sapphire Reserve® | CompareCards.com

Chase Sapphire Reserve®

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Chase Sapphire Reserve®

 

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  • Regular Purchase APR 22.49% – 29.49% Variable
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $550
  • Credit Needed Excellent
  • Card Brand Visa®
  • Regular Purchase APR 22.49% – 29.49% Variable
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $550
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • 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 PassTM 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

Card Fees

Foreign Transaction Fee

$0

Balance Transfer Fee

Either $5 or 5% of the amount of each balance transfer, whichever is greater

Penalty APR

Up to 29.99%

Ongoing Information

Rewards Rate

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

Annual Fee

$550

Additional Card Details

$0 Fraud Liability

Yes

Auto Rental Insurance

Yes

Extended Warranty Program

Yes

Roadside Assistance

Yes

Purchase Protection

Yes

Travel Assistance

Yes

Flight Accident Insurance

No

Lost Luggage Reimbursement

No

Concierge Service

Yes

Expert Reviews

From the CompareCards.com Editorial Team, updated on Feb 14, 2024

The Chase Sapphire Reserve® is a top travel rewards credit card and offers some of the best perks and rewards available. Although it comes with a $550 annual fee, there is a long list of generous benefits that can easily make up for the yearly charge – especially for frequent travelers! For starters, cardholders 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®

You'll also earn 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. A few of the big perks that largely offsets the hefty annual fee is a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.

The points you earn with the Chase Sapphire Reserve® are among the most valuable credit card points available. You get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 80,000 points are worth $1,200 toward travel. Plus, you have the option of 1:1 point transfers to a number of leading airline and hotel loyalty programs. If you have the Chase Sapphire Reserve® or Chase Sapphire Reserve® credit card, you can even combine points between your accounts to maximize your earnings.

Expert Reviews of the Chase Sapphire Reserve®

  • 4.0

    Regular APR

  • 0.0

    Intro APR

  • 4.0

    Fees

  • 5.0

    Benefits

  • 5.0/5

    Overall Rating

The Bottom Line

Whether you're a serious traveler or just looking to save on your annual vacation, the Chase Sapphire Reserve® has a lot to offer. Don't be fooled by the steep annual fee – this credit card can save you tons of money with its valuable points and long list of generous perks.

The Good

This card is jam-packed with helpful rewards and benefits. Between airport lounge access, annual travel credits, and flexible redemption options, there are plenty of ways to save money on travel. Plus, the rewards rate is extra high, and there's no cap on the amount of points you can earn.

The Not so Good

The annual fee isn't waived the first year and there is no intro APR with this card.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Chase.

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