Chase Sapphire Reserve®

Overview

The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $2,800 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits. With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value. Read our full review of the Chase Sapphire Reserve. (Partner offer)

Pros

• Automatic $300 annual travel credit each account anniversary year
• Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
• Over $2,800 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
• $300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
• Access to Chase’s 13 hotel and airline travel partners
• No foreign transaction fee

Cons

• Steep $795 annual fee, plus a $195 fee per authorized user
• Some credits are split biannually, requiring careful tracking to maximize value
• Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
• May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories

Who is this card good for?

Earning rewards