Name: Chase Sapphire Reserve®
Brand: Chase

100,000 bonus points

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Rewards Rates
1 - 8X points
Annual Fee
$795
Regular APR
19.49% - 27.99% Variable
Recommended Credit
Excellent

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

At a glance

Rewards Rates

8x: Earn 8x points on all purchases through Chase Travel℠, including The Edit℠.
4x: Earn 4x points on flights and hotels booked direct.
3x: Earn 3x points on dining worldwide.
1x: Earn 1x points on all other purchases.

Intro Offer

100,000 bonus points

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

Ongoing Purchases APR

19.49% - 27.99% Variable

Ongoing Balance Transfer APR

19.49% - 27.99% Variable

Ongoing Cash Advance APR

28.49% Variable

Ongoing Penalty APR

Up to 29.99%

Annual Fee

$795

Recommended Credit

740-850Excellent

More Details

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.

Our Take

TPG Editor's Rating

4.5 / 5

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)

Read the full review

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?

The Chase Sapphire Reserve is a strong option for frequent travelers and business owners looking to maximize rewards through premium travel and lifestyle benefits. Ultimate Rewards points remain one of the most valuable rewards currencies, with flexible redemption options and a wide network of airline and hotel transfer partners. With an elevated earning structure — including 8 points per dollar spent on Chase Travel and 4 points per dollar spent on direct hotel and airline bookings — the card is well-suited for those with significant travel spend. While the $795 annual fee is steep, it’s offset by over $2,800 in annual value through statement credits and perks like lounge access, automatic IHG Platinum Elite status and access to Chase’s Points Boost program. When used strategically, the card’s perks and credits can more than make up for its high annual fee. Those looking for a lower annual fee may prefer the Chase Sapphire Preferred® Card, which offers solid value for its $95 annual fee, though with fewer premium perks.

Earning rewards

The card earns 8 points per dollar spent on travel purchases made through Chase Travel and 4 points per dollar spent on flights and hotels booked direct. For dining, the card earns 3 points per dollar spent in addition to a $300 annual dining credit. All other purchases earn 1 point per dollar spent. Points can be pooled across eligible Chase accounts or transferred to Chase’s airline and hotel partners, providing flexible redemption options.