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Pros & Cons
Pros
- +Welcome Bonus: 125,000 points
- +Up to 4x on travel
- +Lounge access included
Cons
- –High annual fee ($795/yr)
Our Review
Experience Luxury Travel with the Chase Sapphire Reserve® Credit Card
- 125,000 bonus points after $6,000 in purchases in the first 3 months
- 8X points on travel booked through Chase Travel℠; 4X points on direct airline and hotel bookings
- 3X points on dining and eligible delivery services; 1X point on all other purchases
- $300 annual travel credit automatically applied to travel purchases
- Complimentary lounge access with Priority Pass™ Select and Chase Sapphire Lounges for you +2 guests
- Up to $300 in annual credits for dining at Exclusive Tables and stays with The Edit
- $120 Global Entry/TSA PreCheck® credit every four years
- No foreign transaction fees
- $795 annual fee
From premium lounge retreats to robust trip protections—cancellation, interruption, auto rental and baggage insurance—this card lets you travel with confidence. Manage your account seamlessly in the Chase app, tap to pay with contactless security, and let automatic credits offset the annual fee for high‑value perks all year long.
Terms apply. See issuer for complete details and eligibility.
Rewards
All Spending
1x
Chase Ultimate Rewards pts per dollar
Travel
4x
Chase Ultimate Rewards pts per dollar
Restaurants
3x
Chase Ultimate Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
42,600
Chase Ultimate Rewards/yr
Estimated Value
$426
After Fees
$-369
1st Year Value
$1,181
incl. welcome bonus
Breakdown
Annual benefits
- $300
- $500
- $300
- $300
- $300
- $120
- $120
- $288
Perks & Benefits
Airport lounge access
Annual travel credit
$300
The Edit hotel credit
$500
Dining credit / Exclusive Tables
$300
DoorDash promos + DashPass
$300
StubHub / Viagogo credit
$300
Lyft credit
$120
Peloton credit
$120
Apple TV+ / Apple Music value
$288
Additional Benefits
- Chase Sapphire Reserve Lounge Network: complimentary access to Chase Sapphire Lounges by The Club and 1,300+ Priority Pass airport lounges worldwide with up to two guests, plus access to select Air Canada Maple Leaf Lounges and Air Canada Cafes in the U.S., Canada and Europe with an eligible boarding pass.
- Up to $300 in statement credits for travel purchases each account anniversary year.
- Up to $500 annually in statement credits on prepaid bookings with The Edit by Chase Travel, up to $250 per booking, two-night minimum.
- Up to $300 annually in Sapphire Exclusive Tables statement credits on OpenTable, up to $150 from January through June and again from July through December.
- Up to $120 statement credit every four years as reimbursement for the Global Entry, TSA PreCheck or NEXUS application fee.
- Up to $120 a year in Lyft in-app credits through 09/30/2027 and up to $120 a year in Peloton membership statement credits through 12/31/2027.
Travel Insurance
Travel Medical
Included
Trip Cancellation
Up to $10,000
Trip Interruption
Up to $10,000
Delayed Baggage
Up to $500
Lost Baggage
Up to $3,000
Flight Delay
Up to $500
Travel Accident
Up to $1,000,000
Purchase Protection
Purchase Protection
Up to $10,000 / 120 days
Extended Warranty
+1 years
Auto Rental Collision (primary)
Up to $75,000 / 31 days
Fees and interest rates
- Annual Fee$795
- Additional card fee$195
Terms & Conditions
Card Features
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority PassTM Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years.
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually.
- Member FDIC
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Chase. All trademarks are property of their respective owners.