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Chase Sapphire Reserve
Offer verified 2026-06-22Source: Chase official terms

Chase · Visa

Chase Sapphire Reserve

73 / 100

Annual Fee

$795

After credits: $495

Sign-Up Bonus

$2000

Spend $6,000 in 3mo

Terms apply.

Base Rate

1x

on everything

Best For

Travelers who'll actually use $1,500+ in annual travel & lifestyle credits

Sign-Up Bonus

Bonus: 100,000 points

Details: 100,000 bonus points after $6,000 spend in 3 months (the 150k limited-time offer expired 2026-06-15; ~$2,000 toward select Chase Travel)

Requirement: Spend $6,000 in 3 months

Estimated value: $2,000Terms apply.

Reward Categories

travel

Travel booked via Chase Travel

8x
travel

Flights & hotels booked direct

4x
dining

Dining worldwide

3x
Everything else1x

Point value: ~2.0¢ each

Key Benefits

$300 Annual Travel Credit(~$300/yr)

Auto-applies to the first $300 in travel purchases each year

The Edit Hotel Credit (up to $500/yr)(~$500/yr)

Two up-to-$250 statement credits on prepaid 2+ night stays booked via The Edit by Chase Travel

$300 Dining Credit(~$300/yr)

Up to $150 twice a year at Sapphire Reserve Exclusive Tables restaurants

$300 StubHub / viagogo Credit(~$300/yr)

Up to $150 twice a year on concert & event tickets; activation required

$288 Apple Subscriptions(~$288/yr)

Complimentary Apple TV+ and Apple Music; activation required

$300 DoorDash Promos + DashPass(~$300/yr)

Complimentary DashPass + monthly in-app promo credits; activation required

$120 Lyft Credit(~$120/yr)

$10/month in-app Lyft credit (also earns 5x points)

$120 Peloton Credit(~$120/yr)

Up to $120/year in statement credits on Peloton membership

Priority Pass + Sapphire Lounge Access(~$469/yr)

Unlimited Priority Pass + Chase Sapphire Lounge by The Club; register with card

Global Entry / TSA PreCheck / NEXUS Credit(~$120/yr)

Statement credit every 4 years — pay the application fee with your card

IHG Platinum + Hyatt Discoverist Status(~$100/yr)

Complimentary hotel elite status; enroll via Chase benefits

Primary Rental Car Insurance(~$500/yr)

Decline the rental counter coverage — your card covers it

Pros & Cons

Pros

  • + 8x on Chase Travel; 4x on flights & hotels booked direct
  • + Priority Pass + Chase Sapphire Lounge access
  • + $300 travel credit auto-applies; $1,500+ more in credits if you use them
  • + Points Boost + transfer partners keep Chase points among the most valuable

Cons

  • - $795 annual fee (+$195 per authorized user)
  • - Many credits are use-it-or-lose-it and require activation at specific merchants
  • - 5/24 rule applies

Transfer Partners

Transfer points to 9 airline and hotel partners for potentially higher value.

UnitedHyattSouthwestBritish AirwaysMarriottAir CanadaSingaporeVirgin AtlanticIHG

Rates and fees may vary.See current rates, fees, and terms on Chase's site

Apply Now

Recommended credit score: 720+

Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure

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Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.