Chase Sapphire Reserve® Credit Card
This card is built for people who travel often and will actually use its credits. It earns 8x on Chase Travel, 4x on flights and hotels booked direct and 3x on dining. The $795 annual fee, plus $195 per authorized user, only makes sense if the $300 travel credit, hotel and dining credits and lounge network get used. Points are worth up to 2x on select flights and hotels through Points Boost.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $300 annual travel credit applied automatically to travel purchases
- Up to $500 a year in statement credits for prepaid bookings with The Edit, $250 per booking
- $300 annual dining credit at Sapphire Exclusive Tables restaurants on OpenTable
- $300 a year in StubHub and viagogo credits through 12/31/2027, activation required
- Complimentary Apple TV and Apple Music subscriptions through 6/22/2027, a $288 annual value
- Chase Sapphire Lounge network plus 1,300+ Priority Pass lounges with up to two guests
- IHG® One Rewards Platinum Elite status through December 31, 2027
- Annual fee: $795, plus $195 for each authorized user
- Purchase APR: 19.49% - 27.99% Variable
- Balance transfer APR: 19.49% - 27.99% Variable, no intro APR
- Balance transfer fee: either $5 or 5% of each transfer, whichever is greater
- Cash advance APR: 28.49% Variable, fee either $10 or 5% of each transaction
- Foreign transaction fee: None
- Late payment fee: Up to $40
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You travel several times a year and can use the $300 travel credit, hotel credits and lounge access without changing your habits.
- You eat out often, so 3x on dining plus the $300 dining credit works in your favor.
- Your points go further here: Points Boost makes them worth up to 2x on select flights and top hotels through Chase Travel.
- You spend heavily; $75,000 a year unlocks IHG Diamond, Hyatt Explorist, a $250 Shops credit and $500 in Southwest value.
- You should skip it if you fly once or twice a year. The $795 fee needs the credits used, and the Sapphire Preferred covers casual travel for $95.
Chase Sapphire Reserve® Credit Card Review
The Sapphire Reserve moved upmarket: a $795 fee and a credit stack Chase values at over $2,700 a year. Whether it works for you is arithmetic, not loyalty. This review lays out the earning, the credits and the math on who comes out ahead.
How You Earn
Earning concentrates on travel booked through Chase and direct with airlines and hotels, plus dining everywhere.
- 8x on all purchases through Chase Travel, including The Edit
- 4x on flights booked direct
- 4x on hotels booked direct
- 3x on dining worldwide
- 1x on everything else
- 5x on Lyft rides through 9/30/2027 and 10x on eligible Peloton equipment purchases over $150 through 12/31/2027
| Category | Earn rate |
|---|---|
| Chase Travel, including The Edit | 8x |
| Flights booked direct | 4x |
| Hotels booked direct | 4x |
| Dining worldwide | 3x |
| Everything else | 1x |
How You Redeem
Points are worth 1 cent each through Chase Travel as a base, and Points Boost raises that to as much as 2 cents on select airlines and top hotels, including The Edit.
- Points Boost: up to 2x value on select flights and top booked hotels through Chase Travel
- Transfer to Chase's airline and hotel loyalty partners
- No blackout dates when a seat or room is for sale
- Points do not expire while the account is open
Benefits and Protections
The Reserve carries the strongest protection set Chase offers on a consumer card.
- Primary auto rental coverage up to $75,000
- Trip cancellation and interruption insurance up to $10,000 per traveler, $20,000 per trip
- Travel accident insurance up to $1,000,000
- Emergency evacuation coverage up to $100,000 and emergency medical up to $2,500
- Lost luggage up to $3,000 and trip delay up to $500 per traveler
- Purchase protection for 120 days up to $10,000 per item, return protection up to $500 per item
- Roadside assistance up to $50 per incident, four times a year
Who This Card Is For
This is a card for frequent travelers who treat the credit stack as a checklist. If the $300 travel credit, $500 in Edit hotel credits and $300 dining credit all get used, the effective cost drops below the Sapphire Preferred's. If they sit idle, the $795 fee stands at face value.
- Travelers with several flights and hotel stays a year
- Diners and event goers who will use OpenTable and StubHub credits
- Households adding authorized users should budget $195 per user
Comparison
| Feature | Chase Sapphire Reserve® Credit Card | Capital One Venture X Rewards Credit Card | The Platinum Card® from American Express |
|---|---|---|---|
| Annual Fee | $795 | $395 | $895 |
| Welcome Offer | 100,000 points after $6,000 in 3 months | 75,000 miles after $4,000 in 3 months | As high as 175,000 points, offers vary |
| Rewards Rate | 8x Chase Travel, 4x direct flights and hotels | 10x portal hotels, 5x portal flights, 2x all | 5x flights and prepaid hotels, 1x other |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Credit stack and lounge network | Lower-fee premium travel | Hotel programs and airline credits |
Issuer Comparison
| Feature | Chase Sapphire Reserve® Credit Card | Chase Sapphire Preferred® Credit Card | Chase Freedom Unlimited® Credit Card |
|---|---|---|---|
| Annual Fee | $795 | $95 | $0 |
| Welcome Offer | 100,000 points after $6,000 in 3 months | 75,000 points after $5,000 in 3 months | $200 after $500 in 3 months |
| Rewards Rate | 8x Chase Travel, 4x direct, 3x dining | 5x Chase Travel, 3x dining, 2x travel | 1.5% base, 3% dining and drugstores |
| Key Credits | $300 travel, $500 The Edit, $300 dining | $100 hotel, $120 Global Entry | DashPass 6 months |
| Best For | Frequent travelers | Value-focused travelers | Everyday cash back |
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