Chase Sapphire Reserve®
- Best for: Frequent travelers who will use the travel credit and at least two of the dining, StubHub, and The Edit credits
- What Sets It Apart: $300 travel credit that covers almost any travel purchase; lounge access with up to two guests
- Welcome Offer: 100,000 points after $6,000 in 3 months
- Rewards: 8x on Chase Travel; 4x on flights and hotels booked direct; 3x on dining; points worth up to 2 cents each with Points Boost
- Features: Up to $500 for prepaid The Edit stays; $300 dining credit; $300 StubHub credit; up to $120 Global Entry, TSA PreCheck, or NEXUS credit every 4 years
- Annual Fee: $795
- APR: 19.74% to 28.24% variable
- Cost: No foreign transaction fees; $195 per authorized user
- Pros: Automatic $300 travel credit; Chase Sapphire Lounges and 1,300+ Priority Pass lounges; transfers to United, Southwest, and World of Hyatt; up to $75,000 in rental car coverage
- Cons: $795 fee; dining and StubHub credits paid in $150 halves; several perks end in 2027; 1 cent per point in Chase Travel without Points Boost
Get the Chase Sapphire Reserve® only if its credits match how you already spend. The $300 travel credit applies to almost any trip, but earning back the other $495 of the $795 fee means using merchant-specific credits, such as those for dining, event tickets, and prepaid hotel stays. If those don’t fit your plans, skip it.
The Chase Sapphire Reserve® is Chase’s premium travel card, with airport lounge access, high points on travel, and a long list of credits and perks. It suits frequent travelers who already spend on hotels, restaurants, and event tickets.
Key Features
- $795 annual fee, $195 per authorized user, and a 19.74% to 28.24% variable interest rate
- 100,000 points when you spend $6,000 within 3 months of opening
- 8x points on Chase Travel, 4x on flights and hotels booked direct, 3x on dining, and 1x on everything else
- $300 annual travel credit, up to $500 a year for prepaid stays at The Edit (Chase Travel’s curated hotels), $300 each for dining and StubHub, and up to $120 for Global Entry, TSA PreCheck, or NEXUS every 4 years
- Access to Chase Sapphire Lounges and 1,300+ Priority Pass lounges, with up to two guests
Pros
- $300 travel credit that applies automatically to almost any travel purchase, from flights to train tickets and taxis
- Points worth up to 2 cents each on select premium-cabin flights and top hotels through Chase Travel’s Points Boost
- Point transfers to airline and hotel programs, including United, Southwest, and World of Hyatt
- Rental car theft and collision coverage up to $75,000, plus up to $500 per traveler for trip delays over 6 hours
- No foreign transaction fees
Cons
- Dining credit limited to Sapphire Exclusive Tables restaurants on OpenTable, at $150 per half-year
- StubHub credit also split into $150 halves, and The Edit credit capped at $250 per prepaid stay of two nights or more
- Apple, Lyft, StubHub, DoorDash, and Peloton perks that end in 2027 under current terms
- Points worth 1 cent each in Chase Travel outside Points Boost offers
The Reserve is worth its $795 fee to travelers who would use the travel credit and two of the dining, StubHub, and The Edit credits on purchases they’d make anyway. Everyone else gets the same transferable points from the Chase Sapphire Preferred® for $95, though at 5x instead of 8x on Chase Travel and 2x instead of 4x on flights and hotels booked direct, and without lounge access.
Learn more about the Chase Sapphire Reserve® or see how it compares to the best travel rewards credit cards.
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