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Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Chase Sapphire Reserve® Credit Card Review

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Chase Sapphire Reserve® Credit Card Review

Earn 3X points on travel and dining, 50% more value in travel reward redemption, and a $300 annual travel credit.

Chase Sapphire Reserve® Credit Card Review

Chase Sapphire Reserve® Credit Card Review

Learn More

Earn 3X points on travel and dining, 50% more value in travel reward redemption, and a $300 annual travel credit.

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.


The Chase Sapphire Reserve® is a premium credit card that has captured the attention of travelers around the globe. Known for its high rewards rate, exceptional benefits, and versatility in point redemption, it stands out as a top choice for those who love to travel in style. With a generous welcome bonus, points that can be redeemed for travel at a higher value through the Chase Ultimate Rewards® portal, and a plethora of travel perks, including access to over 1,000 airport lounges worldwide through Priority Pass™ Select, this card is designed to elevate the travel experience. Whether it’s dining out at the latest hotspot or booking a spontaneous getaway, the Chase Sapphire Reserve® rewards every adventure. Its annual fee is steep, but for those who make the most of the card’s benefits, the value can far exceed the cost.

The Chase Sapphire Reserve® comes with an enticing welcome offer that appeals to new cardholders looking to maximize their rewards early on. As of my last update, the card offers a substantial bonus of 50,000 Chase Ultimate Rewards® points after spending $4,000 on purchases in the first 3 months from account opening. This bonus alone can translate into $750 toward travel when redeemed through the Chase Ultimate Rewards® portal, thanks to the 50% more value you get when booking travel with your points through the portal.

Achieving this bonus requires a strategic approach to spending, making it important for applicants to consider their ability to meet the spending requirement within the specified timeframe. This offer is particularly appealing for those planning significant purchases or looking to consolidate spending on a single card to maximize rewards.

It’s also crucial to note that the welcome bonus is only available to those who have not received a new cardmember bonus for the Chase Sapphire Reserve® or Chase Sapphire Preferred® card in the past 48 months. This exclusivity ensures that the rewards are targeted towards new or returning customers who haven’t recently benefited from a sign-up bonus on these cards.

The welcome bonus is a significant factor in the card’s overall value proposition, offering a head start on accumulating points for travel, dining, or other rewards. This initial boost can be especially valuable for frequent travelers or those looking to make a big trip more affordable. With the Chase Sapphire Reserve®, the journey towards rewards and luxury travel experiences begins from the moment you sign up and make your first purchase.

The Chase Sapphire Reserve® is engineered for those who seek to maximize their reward earnings across various categories of spending, especially in travel and dining. Cardholders earn an impressive 3 points per dollar spent on travel and dining worldwide, extending from flights, hotels, and car rentals to fine dining and casual eateries. What sets this card apart is the broad definition of travel and dining, encompassing a wide range of expenses, including ride-sharing services and food delivery apps, ensuring that virtually every dollar spent in these categories earns triple points.

For all other purchases, the card offers a base rate of 1 point per dollar spent, ensuring that every purchase, no matter the category, moves you closer to your next reward. This uncomplicated, yet generous, rewards structure makes the Chase Sapphire Reserve® a go-to card for everyday spending and travel alike.

An additional layer of value comes from the annual $300 travel credit. This credit automatically applies to a wide variety of travel-related purchases, effectively reducing the net cost of the card’s annual fee and making it easier to justify for those who regularly spend on travel. The beauty of the Chase Sapphire Reserve® lies in its ability to turn your everyday and travel expenses into future travel opportunities, essentially rewarding you for your lifestyle.

Moreover, the Chase Ultimate Rewards® points earned with the Sapphire Reserve® are among the most flexible and valuable in the credit card industry. Points can be transferred on a 1:1 basis to a wide range of airline and hotel loyalty programs, allowing savvy travelers to potentially extract even more value from their points by leveraging the sweet spots within these loyalty programs.

In summary, the Chase Sapphire Reserve® is ideal for those who spend regularly on travel and dining. Its rewards rate in these categories, combined with the card’s broad definition of travel, ensures that cardholders can accumulate points rapidly. Whether you’re dining out, traveling for work or pleasure, or simply making everyday purchases, the Chase Sapphire Reserve® rewards every aspect of your spending with valuable points that pave the way to your next adventure.

The Chase Sapphire Reserve® not only excels in earning rewards but also offers versatile and valuable options for redeeming points, making it a powerhouse for both accrual and utilization of rewards. Cardholders can redeem their points in several ways, each offering unique advantages depending on the cardholder’s preferences and travel goals.

Travel through Chase Ultimate Rewards®: One of the most lucrative redemption options is booking travel through the Chase Ultimate Rewards® portal, where points are worth 50% more. This means that 50,000 points can be redeemed for $750 in travel, as opposed to the $500 value if redeemed for cash. The portal offers a seamless booking experience for flights, hotels, car rentals, and more, often with competitive pricing and the flexibility to pay with points, cash, or a combination of both.

Transfer to Travel Partners: For those looking to maximize the value of their points, Chase offers 1:1 point transfers to a wide range of airline and hotel loyalty programs. This option can yield tremendous value, especially for international business, first-class flights, and luxury hotel stays. Savvy travelers can leverage these transfers to take advantage of sweet spots within loyalty programs, potentially multiplying the value of their points beyond the 1.5 cents per point through the travel portal.

Cash Back and Gift Cards: Points can also be redeemed for cash back, statement credits, or gift cards at a rate of 1 cent per point. While this provides flexibility, it’s not the most value-driven option, especially compared to travel redemptions.

Pay with Points for Shopping: Chase allows cardholders to use points to shop directly on sites like and for Apple products through the Chase shopping portal. However, the value per point may be lower than other redemption options, making it less attractive for those seeking to maximize value.

Experiences: Chase Ultimate Rewards® also offers exclusive access to events and experiences, such as dining experiences and sporting events, where points can be used to cover attendance. While the value can vary, this can be a unique way to use points for memorable experiences.

In essence, the Chase Sapphire Reserve® caters to a variety of redemption preferences, with the highest value typically found in travel-related redemptions. The flexibility to choose how to use points—whether for simple cash back or for a luxury travel experience—ensures that cardholders can tailor their rewards to meet their specific desires and needs.

The Chase Sapphire Reserve® card is renowned not just for its rewards program but also for its comprehensive suite of perks and benefits that significantly enhance the travel and lifestyle experiences of its cardholders. These benefits are designed to provide comfort, convenience, and savings, making the card a top pick for frequent travelers and those who seek luxury in their adventures.

Travel Credit: Each year, cardholders receive a $300 travel credit that automatically applies to a wide array of travel-related purchases, including flights, hotels, and even tolls and parking fees. This credit effectively reduces the net annual fee and is one of the card’s most straightforward and valuable benefits.

Priority Pass™ Select Membership: Enjoy access to over 1,300 airport lounges worldwide with Priority Pass™ Select. Whether it’s for a quick bite, a place to relax before a flight, or a quiet space to work, lounge access greatly enhances the travel experience.

Global Entry or TSA PreCheck® Fee Credit: Cardholders receive a credit for the application fee for Global Entry ($100) or TSA PreCheck® ($85) every four years, facilitating smoother and quicker passage through airport security and customs.

Travel Protections: The card offers an extensive suite of travel protections, including trip cancellation/interruption insurance, baggage delay insurance, trip delay reimbursement, and emergency evacuation and transportation coverage. These protections offer peace of mind and can save cardholders significant expenses when unforeseen circumstances affect their travel plans.

Rental Car Privileges: Cardholders enjoy special car rental privileges, including upgrades and discounts with partners such as National Car Rental, Avis, and Silvercar. Primary rental car insurance is also provided, covering theft and collision damage for most rentals in the U.S. and abroad.

Dining Benefits: Beyond earning triple points on dining, the card offers exclusive access to culinary events and experiences through the Chase Dining program in partnership with Tock.

No Foreign Transaction Fees: Transactions made abroad are not subject to foreign transaction fees, making the card ideal for international travel.

Luxury Hotel & Resort Collection: Gain access to the Luxury Hotel & Resort Collection, which provides complimentary room upgrades, early check-in, late check-out, complimentary breakfast, and special amenities at over 1,000 premium properties worldwide.

Comprehensive Insurance Coverages: Beyond travel protections, the card includes purchase protection, extended warranty coverage, and return protection, safeguarding your purchases and investments.

The Chase Sapphire Reserve® is structured to offer not just rewards but a complete package that enhances every aspect of the travel experience, from planning stages to the journey itself and even after returning home. These perks add substantial value, especially for those who travel frequently, turning every trip into a more enjoyable and less stressful experience.

The Chase Sapphire Reserve® is a distinguished card in the premium travel segment, offering a blend of high rewards, luxury benefits, and flexibility. However, like any financial product, it comes with its own set of advantages and drawbacks.


  • Generous Welcome Bonus: Offers a substantial welcome bonus that can kickstart your travel rewards.
  • High Rewards Rate: Earns 3 points per dollar on travel and dining, making it ideal for frequent travelers and food enthusiasts.
  • Flexible Redemption Options: Points can be redeemed for 50% more value through the Chase Ultimate Rewards® travel portal, and 1:1 transfers to airline and hotel partners offer the potential for even greater value.
  • Comprehensive Travel Benefits: Includes $300 annual travel credit, Priority Pass™ Select membership, travel insurance, and no foreign transaction fees.
  • Luxury Perks: Access to the Luxury Hotel & Resort Collection and exclusive dining events enhances travel experiences.


  • High Annual Fee: The card’s annual fee is substantial, though offset by the annual travel credit and other benefits for those who use it.
  • High Spending Requirement for Welcome Bonus: The spending requirement to earn the welcome bonus may be steep for some.
  • Requires Good to Excellent Credit: The card is targeted at consumers with strong credit histories, making it less accessible to a broader audience.

In summary, the Chase Sapphire Reserve® is best suited for those who travel frequently and dine out often, leveraging the card’s rewards and benefits to offset the annual fee. For travelers who value luxury perks and flexibility in reward redemption, it offers compelling value despite its cost.

When evaluating the Chase Sapphire Reserve® against other premium travel credit cards, several factors stand out, including rewards earning potential, redemption options, annual fees, and additional benefits. This comparison will help highlight where the Sapphire Reserve® excels and where it faces stiff competition.

Annual Fee: The Chase Sapphire Reserve® carries a significant annual fee, which is in line with other premium cards. However, the effective cost is reduced by the $300 annual travel credit, a benefit that is immediately usable and straightforward compared to some competitors who may offer credits with more restrictions.

Rewards Earning and Redemption: The Sapphire Reserve® offers 3 points per dollar on travel and dining, which is competitive, but some cards may offer higher rates in specific categories. What sets the Sapphire Reserve® apart is the redemption value through the Chase Ultimate Rewards® portal, where points are worth 50% more for travel, and the flexibility of 1:1 point transfers to numerous airline and hotel partners.

Travel Benefits: While many premium cards offer travel credits, lounge access, and no foreign transaction fees, the Sapphire Reserve®’s comprehensive travel insurance, Priority Pass™ Select membership, and Global Entry/TSA PreCheck® fee credit provide a compelling bundle of benefits that are hard to match in terms of value and utility.

Luxury Perks: The Sapphire Reserve® competes well in the luxury market with its Luxury Hotel & Resort Collection benefits, exclusive dining experiences, and rental car privileges. These perks are comparable to, if not better than, what’s offered by other high-end cards, especially when considering the card’s broader travel protections.

Comparison with Chase Sapphire Preferred®: For those debating between the Chase Sapphire Reserve® and its sibling, the Chase Sapphire Preferred® Card, the decision often comes down to how much value one can extract from the additional benefits of the Reserve®. The Preferred® offers a lower annual fee but with fewer perks and a lower rewards redemption rate through the Chase portal.

In conclusion, the Chase Sapphire Reserve® is best suited for frequent travelers who can fully leverage the suite of benefits, from the annual travel credit to lounge access and comprehensive travel protections. Its value proposition stands strong against competitors, particularly for those who prioritize flexibility in rewards redemption and comprehensive travel benefits.

The Chase Sapphire Reserve® stands out as a premier travel credit card, offering unmatched value for the frequent traveler through its generous rewards, flexible redemption options, and comprehensive suite of travel benefits. While the annual fee may seem daunting, the value extracted from the welcome bonus, annual travel credit, and luxury travel perks can far outweigh the cost for those who travel regularly. Ideal for those with a penchant for adventure and fine dining, the Sapphire Reserve® enriches every journey, making it an excellent choice for anyone looking to elevate their travel experience.

What credit score is needed for the Chase Sapphire Reserve®?
Typically, a good to excellent credit score (usually 720+) is recommended to qualify for the Chase Sapphire Reserve®.

Can the annual fee for the Chase Sapphire Reserve® be waived?
The annual fee for the Chase Sapphire Reserve® is not typically waived, but the card offers a $300 annual travel credit and other benefits that can offset the fee.

How does the Chase Sapphire Reserve® compare to the Chase Sapphire Preferred®?
The Chase Sapphire Reserve® offers more rewards and benefits, including a higher points value on travel redemptions and additional travel perks, compared to the Chase Sapphire Preferred®, but it also comes with a higher annual fee.

Can Chase Sapphire Reserve® points be transferred to airlines and hotels?
Yes, points can be transferred 1:1 to several airline and hotel loyalty programs, offering potentially greater value than redeeming through the Chase travel portal.

Is the Chase Sapphire Reserve® worth it?
For frequent travelers and those who dine out regularly, the Chase Sapphire Reserve® can offer exceptional value, especially when taking full advantage of the travel credits, lounge access, and higher redemption value for travel.

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