What is the Chase Sapphire Reserve credit card?


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The Chase Sapphire Reserve card is one of the top premium travel rewards cards, offering bonuses and perks tailored for consumers who dine out and travel frequently. Cardholders who can justify the pricy annual fee will earn industry-leading rewards when they fly, cruise, rent cars or stay in hotels.

Since its introduction in August 2016, Sapphire Reserve has offered points or rewards-obsessed credit card customers a fantastic sign-up bonus, superior travel rewards and extra benefits that outshine many competitors’ cards.


  • Earn a sign-up bonus of 50,000 Chase Ultimate Rewards points when you spend $4,000 within the first three months of card ownership.
  • Earn three points earned for every $1 spent on all travel purchases and dining worldwide and one point per dollar on all other purchases.
  • Receive a $300 annual credit for travel-related expenses, including airfare, hotels, taxis and parking garages.
  • Chase will refund your application fee for either a TSA Pre-Check ($85) or Global Entry ($100) pass. Cardholders are eligible for one refund every four years, although both passes are good for five years.
  • Chase Ultimate Rewards points can be redeemed at a 50 percent greater value when booking travel through the Chase Ultimate Rewards travel portal. For example, the sign-up bonus is worth $750 in travel expenses through the portal but just $500 when redeemed for travel through a partner airline, hotel or as a cash-back statement credit.
  • Cardholders will be charged no foreign exchange fees — a must for any decent travel credit card.

What makes this card better?

The rewards and annual credits the Chase Sapphire Reserve card offers are on par with the best airline credit cards. This card offers some other perks, as well, including:

  • Expanded eligibility for the annual travel credit, which can be used for a wide range of things that aren’t just airport-related. The lengthy list includes cruises, campgrounds, tolls and parking garages. Benefits post instantly rather than at the end of the year, and it happens automatically.
  • Generous redemption options. Ultimate Rewards Points are flexible and can be transferred to a wide range of partner airlines and hotels, typically at a 1:1 value. Where Ultimate Rewards really become valuable is when they’re redeemed through Chase’s travel portal, where for Sapphire Reserve points are worth 50 percent more.
  • Membership in the Priority Pass Select lounge program, which has more than 1,000 airport locations worldwide. Everyone you’re traveling with can join you in the lounge.
  • Discounts and free upgrades at Avis, National and Silvercar car rental companies.
  • Perks at participating Luxury Hotel and Resort Collection hotels, including free Wi-Fi, breakfast for two, early check-in and late check-out.

Who should apply for a Chase Sapphire Reserve card?

If you dine out, fly or stay in hotels frequently and you have excellent credit, this card may be right for you. Consumers with fair credit should consider another card.

If you don’t travel often enough to justify the high annual fee – and you’re still looking for a card that pays rewards — consider a cash back card with a lower annual fee.

The information related to the Chase Sapphire Reserve card has been collected independently by Bankrate.com. The card details on this page have not been reviewed or provided by the card issuer.