Chase Sapphire Reserve® Review

Last Updated on May 13, 2026

Offer Rating

4.5/5

As the industry standard for premier travel rewards, Chase Sapphire Reserve® is a powerful card packed to the brim with perks and rewards. Cardholders enjoy up to 8x points on purchases, plus premium benefits like airport lounge access and an annual travel credit.

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Chase Sapphire Reserve card art Rates & Fees

Chase Sapphire Reserve®

4.5 BCC Score
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Welcome Offer
Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Rewards Rate
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
Intro APR
N/A, then 19.49% - 27.99% Variable
Annual Fee
$795
Credit Score Needed
Excellent
Card Brand
Visa®
  • Earn 150,000 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.
  • 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 Pass™ 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 $288 annually
  • Member FDIC

Pros

  • This card's benefits total $3,000 in annual value.
  • New cardmembers can earn a massive welcome offer after meeting spending requirements.
  • Earn up to 8x points on purchases with no limit on the number of points you can earn.

Cons

  • The annual fee is quite high, and it isn't waived for the first year like some other cards.
  • There is no intro APR on purchases or balance transfers.

OUR EXPERT REVIEW

Why We Like It

It's hard to find a travel credit card that delivers as many perks and benefits as the Chase Sapphire Reserve® card. While some consumers might initially scoff at the $795 annual fee, this card packs in $3,000 in annual value – making that fee much easier to justify once you see what’s included. Right off the bat, new cardholders earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. You also receive a $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year. These two perks alone deliver a ton of first-year value!

The rewards rate on your spending is exceptionally generous with Chase 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. Additionally, cardholders can enjoy travel perks like access to 1,300+ airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests, and up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years. This card also equips you for travel with Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more. All in all, the Chase Sapphire Reserve® card is an outstanding choice for travelers who want premium benefits and exceptional value that far exceeds the annual fee.

Pros & Cons

Pros

  • This card's benefits total $3,000 in annual value.
  • New cardmembers can earn a massive welcome offer after meeting spending requirements.
  • Earn up to 8x points on purchases with no limit on the number of points you can earn.

Cons

  • The annual fee is quite high, and it isn't waived for the first year like some other cards.
  • There is no intro APR on purchases or balance transfers.

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