MoneyGeek’s Take

Chase Sapphire Reserve® Review

Shield Insurance

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Travelers with excellent credit may find the compelling due to its numerous premium travel perks, including high earning and redemption rates, lounge access, concierge services and an annual travel credit.

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WHY WE GEEK OUT

The Chase Sapphire Reserve® shines in the travel and dining rewards department, offering exceptional point rewards through Chase Travel℠ and increased redemption value for travel. The substantial sign-up bonus, exclusive luxury travel perks, protections for travel and purchases, and an annual travel credit add to its appeal for frequent travelers. However, it comes with a notably high annual fee, which may be a deal-breaker if you know you won't get the full value out of the card's many premium benefits.

Chase Sapphire Reserve Overview

The Chase Sapphire Reserve delivers a ton of value for its high annual fee of $550. It offers frequent travelers and spenders an attractive rewards rate on dining, travel, and general purchases, with an especially lucrative welcome offer and luxury travel perks. Here are the key details:

Rewards rate: 10X points on hotels and rental cars purchased through Chase Travel. 5X points on flights through Chase Travel℠. 3X points on general travel and restaurants. All travel rewards rates apply only after the first $300 is spent on travel purchases annually. 1X points on general purchases

Welcome bonus offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Regular APR: 21.99% - 28.99% (variable)

Annual fee: $550

Intro APR offer: None

Flexible redemption: Redeem points for travel, cash back, gift cards or merchandise. No expiration dates, points limits or blackout dates

Bonus redemption: 50% bonus on travel rewards redeemed through Chase Travel

Annual travel credit: $300

Additional travel perks: Up to $100 credit for Global Entry/TSA PreCheck application fee, airport lounge access through Priority Pass Select membership, trip cancellation/interruption insurance, emergency evacuation and transportation coverage and primary rental car insurance

Additional memberships: Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.

Pros

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Exceptional point rewards for dining and travel through Chase Travel℠

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Boosted redemption value for travel

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Substantial signup bonus

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Exclusive luxury perks for travelers

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Travel and purchase protection

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Annual travel credit

Cons

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High annual fee

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No introductory APR period

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High variable APR

Sapphire Reserve Points Estimator

Estimate the value of the points you could earn with the Sapphire Reserve card. Enter your spending in the categories below to see how many points you can earn annually. Points can be redeemed for travel, gift cards, merchandise, and cash back.

Important Disclaimers:

  • This calculator is for planning and evaluation purposes and not sponsored or endorsed by Chase.
  • Some of your purchases may not be eligible for earning points.
  • The value of points at redemption will vary.
1

How much will you spend on Chase Dining, hotels, and car rentals booked through Chase Travel℠ annually (10x points)

$
2

How much will you spend on air fare booked through Chase Travel℠ annually (5x points)

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3

How much will you spend on general travel annually (after $300 annual travel credit)? (3x points)

$
4

How much will you spend on dining monthly? (3x points)

$
5

How much will you spend on other purchases monthly? (1x point)

$
Points Earned From the Card:0
Estimated Points Value:0 cents
Value of Points:$0

Important Card Details

When evaluating this card, it's crucial to weight the substantial rewards rate and premium travel benefits against the hefty annual fee and the likelihood that you'll actually reap all the benefits.

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    Lucrative Rewards

    This card's rewards structure is highly advantageous for frequent travelers and those who dine out often, offering an impressive 10X points on Chase Dining, hotels, and car rentals booked through Chase Travel℠. Additional rewards such as 5X points on air travel through Chase Travel℠ (after a $300 travel credit), 3X points on general travel and restaurant purchases, and 1X points on all other spending further enhance its appeal, providing broad opportunities to accumulate points across a range of spending categories. All travel rewards rates apply only after earning the $300 travel credit each year.

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    High Annual Fee

    The substantial $550 annual fee and an extra $75 for each additional user are significant considerations with this card, marking it as a premium offering in the credit card market. These fees underscore the importance of fully utilizing the Chase Sapphire Reserve®'s high-end rewards and benefits to ensure they outweigh the costs and offer meaningful value to the cardholder.

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    Solid Welcome Offer

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Its a competitive proposition within the premium travel credit card sector, providing a substantial head-start for new cardholders to accrue points. Given that these points could potentially translate to high-value travel rewards or statement credits, this welcome offer adds significant upfront value to the card.

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    Premium Travel Benefits

    This card's suite of premium travel benefits positions it as a standout option for frequent travelers, offering notable features such as statement credits for Global Entry or TSA PreCheck application fees, complimentary Priority Pass Select membership granting access to VIP airport lounges worldwide, and unique amenities via the Luxury Hotel and Resort Collection. Enhancing its value, the card includes comprehensive travel insurances, and also offers exclusive dining experiences with Reserved by Sapphire, which helps cardholders secure reservations at some of the nation's top-rated restaurants.

How the Chase Sapphire Reserve® Compares

The Chase Sapphire Reserve® offers travelers some of the best perks and rewards in exchange for its sizable annual fee. Travelers with excellent credit can use the card to maximize their points and ensure maximum comfort during their trips. However, comparing it with another card can help you determine if it’s the best card for your wallet.

How This Card Compares

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Chase Sapphire Reserve® Card

  • Rewards rate: Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel, 5x total points on flights through Chase Travel℠, 3x points on other travel and dining and 1 point per $1 spent on all other purchases.
  • Welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Regular APR: 21.99% - 28.99% (variable)
  • Annual fee: $550
  • Intro APR offer: None
  • Best for: frequent travelers seeking luxury
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The Platinum Card® from American Express

  • Rewards rate: Earn 5X Membership Rewards® Points on flights booked directly with airlines or American Express Travel (up to $500,000 per year) and on prepaid hotels booked with American Express Travel. 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. And earn 1X Membership Rewards® Points for all other purchases.
  • Welcome offer: Earn 80,000 points after spending $8,000 in the first six months
  • Regular APR: See Pay Over Time APR See Rates and Fees
  • Annual fee: $695 See Rates and Fees
  • Intro APR offer: None
  • Terms Apply
  • See Rates and Fees
  • Best for: big spenders on travel

For rates and fees of The Platinum Card® from American Express, please click here.

About Grace Pilling


Grace Pilling headshot

Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.

Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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