Chase Sapphire Reserve Reviews: 250+ User RatingsChase Sapphire Reserve reviews from users and WalletHub, plus info on rates, rewards and fees. Review Chase Sapphire Reserve’s terms and apply online.John KiernanWalletHubInitial Bonus: 60,000 points$300 Annual Travel CreditUp To 15% Back On Hotels and Car RentalsHigh Annual FeeHigh APR
after you spend $4,000 on purchases in the first 3 months from account opening.
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$550
Rewards
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
APR on Purchases
21.74% - 28.74% (V)
Balance Transfer
APR: 21.74% - 28.74% (V)
Balance Transfer Fee:Either $5 or 5% of the amount of each transfer, whichever is greater.
The Chase Sapphire Reserve® card is an elite travel rewards credit card that’s worth it for big-spenders with a credit score of 750+. Sapphire Reserve is so good because it offers a bonus of 60,000 points for spending $4,000 within 3 months of opening an account, plus ongoing rewards of ... show more
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Chase Sapphire Reserve's Additional Info
cash advance fee
Either $10 or 5% of the amount of each transaction, whichever is greater.
Can't find what you are looking for? Submit your question about Chase Sapphire Reserve® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Yes, Chase Sapphire Reserve is worth its $550 annual fee if you spend at least $4,000 in the first 3 months and qualify for the card's initial bonus of 60,000 points. Frequent travelers will also get a lot of value out of Chase Sapphire Reserve because it comes with a $300 annual travel credit and good ongoing rewards.
Chase Sapphire Reserve Worth: Key Considerations
You earn 1 - 10 points / $1 spent on purchases, including 10 points / $1 spent on select travel expenses.
You'll have an opportunity to earn an initial bonus of 60,000 bonus points for spending $4,000 in the first 3 months.
Chase Ultimate Rewards Reservedpoints are worth 50% more than usual when you redeem them for travel through Chase Ultimate Rewards Reserved.
There are several types of travel insurance, including a $1 million benefit for serious injury or death.
You get a Priority Pass Select airport lounge membership that would usually cost $429 a year.
You'll receive a $300 travel credit each account anniversary year.
Tips for Getting the Most Out of Chase Sapphire Reserve
Chase Sapphire Reserve's attractive features are only worth it if you travel frequently and have the excellent credit needed to get approved. You'll also need to earn enough rewards – or utilize enough of the card's other perks – to make it worth owning.
For example, if you make the most of the Priority Pass membership ($429 annual value), along with the $300 annual travel credit, you'd recoup the entire annual fee. That shouldn't be hard for frequent travelers to do every year. And the more benefits you take advantage of, the less you need to spend to break even.
Finally, in order for Chase Sapphire Reserve to be worth it, it's important to pay the bill in full each month. Otherwise, you'll end up paying a 21.74% - 28.74% (V) interest rate on the unpaid balance, which will decrease the overall value of the card's perks and rewards.
More moderate spenders looking for a travel rewards card without the huge annual fee should check out our editors' picks for the best travel rewards credit cards to help narrow the search.
While the Chase Sapphire Reserve income requirements aren't publicly available, your income should cover the $450 annual fee and monthly payments on a credit line of $10,000 or more. It would certainly be easier if Chase just gave out a magic number, but the truth is that income is only one factor in...
Yes, Chase Sapphire Reserve is hard to get because it requires excellent credit for approval. Unless your credit score is 750 or higher and you have a lot of income, it will be difficult for you to get approved for the Chase Sapphire Reserve card.
The Chase Sapphire Reserve® card is so popular because it is an elite travel credit card with great rewards and benefits. For example, Chase Sapphire Reserve offers a bonus of 60,000 points for spending $4,000 within 3 months of opening an account, plus up to $300 in statement credits for travel purchases each...
The Chase Sapphire Reserve annual fee is $550 per year. Chase Sapphire Reserve's $550 annual fee is higher than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the Chase Sapphire Reserve® Card, either.
You have to spend $4,000 in the first 3 months on Chase Sapphire Reserve to break even; by doing so, you earn the card's initial bonus of 60,000 points. That will more than offset the card's $550 annual fee for the year.
To break even on Chase Sapphire Reserve without taking...
No, you cannot get the Chase Sapphire Reserve 100k bonus anymore, as it was a limited-time promotion that ran from August 2016 through March 2017. The card now offers a bonus of 60,000 bonus points for spending $4,000 in the first 3 months. That's still one of the biggest credit card bonuses...
The best Chase Sapphire Reserve card benefits are airport-lounge access and up to $300 in annual travel credit. The Chase Sapphire Reserve® card also has auto rental collision damage waiver and purchase protection, which are more common perks across Chase credit cards.
You need more than good credit to qualify for the Chase Sapphire Reserve card. The Chase Sapphire Reserve card requires applicants to have excellent credit, which means you need a credit score of at least 750 to get approved for the card.
You can log in to your Chase Sapphire Reserve® card account by going to the login page on the Chase website or mobile app and entering your username and password in the appropriate fields. Then, click the “Sign in” to access your online account.
How to Register for Online Access on your Chase Sapphire...
Share your insights and review the Chase Sapphire Reserve®
5
15%
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3.3
300 reviews
300 reviews
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Jus Someg @Justsomeguy511
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1 Star Rating
In regards to the chase travel portal it's awful. Things work fine unless you need to change anything, getting maximum reward points is only done through booking through chase as a middle man to any agency. This isn't having someone handle your reservations rather you on hold for 45 minutes while someone slightly trys to make the changes needed when you could do it yourself in 2 minutes. The lack of freedom of booking directly with any agency is a huge drawback for me as I'm constantly traveling with a fluctuating schedule. One more issue and I plan on canceling to switch to amex.
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Kent Goldy @kent_goldy
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1 Star Rating
We used our Sapphire Reserve card to buy custom designer furniture from James Antony LLC Design Center in Dallas Texas. The total was over $45,000. Over a six-month period, only two large living room chairs and two ottomans, a rug arrived correctly the two couches, four counter stools, four breakfast chairs and table , a coffee table and the wrong under padding for the area rug were damaged or wrong, and never corrected and delivered. We disputed over $30,000 worth items never received. James Antony denies any fault with anything claiming it was all our fault, even the items that arrived damaged from their “white glove” delivery service. Of course, we refused to accept damaged goods. The Chase dispute department never had two representatives say the same thing as excuses and we spoke to dozens. They simply continued to lie to us. They would get us off the phone by asking for more details and after providing them over 2" thick worth of hundreds of pages with repeated explanations and receipts etc. of supporting documentation, we have continually done as asked and supplied. Anything they requested as support to our claim they were provided by us, the merchant provided nothing, not even a receipt. This all started last June 2022. Yesterday May 12, 2023 their representative said they do not check with the merchant just their bank which keeps repeating there was no billing error. Chase will not provide us with any documentation as to their investigation for this matter. Not even which bank the merchant processed our Sapphire Reserve card through for payment, absolutely nothing but a form letter or continued different stories from the Chase various employees repeating they were sorry but there is nothing they could do.
We have over 760,000 points with this Sapphire card, which were accumulated as we charge between $10,000 and 25,000 a month. That all stopped last month. We now use a different bank’s Visa card. BTW- I had been with JP Morgan Chase since about 1988 when they were Valley National Bank, then Bank One, then just Chase and now JP Morgan Chase. Who really is the loser in this ? We are out $30,000 and I have wasted months with letters, worthless long phone calls, filing complaints with the local Chase bank branch, even quoted back to them their written contract of visa card merchant agreement on the subject of “Chargeback 7.1 Merchant fails to issue a Refund to a Customer return or does not receive good or service.” Now finally disgusted with their lies, and insulting waste of my time, Chase has lost us as lifelong customers. We are going to share our most disappointing story with anybody and everywhere we can. Do not expect any buyer protection with any of the items you purchase !!!!
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dfw464 @dfw464
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1 Star Rating
Absolutely a big disappointment with regard to trip insurance! In there own manual they claim to reimburse you for an interrupted or a canceled trip do to health..etc. They use a 3rd party company-which, in my opinion, is used to delay and do whatever they can to frustrate the customer and force them to give up the claim. My claim was medical.all doctors info sent in...several times. I am going on 5 months..and have repeatedly been ask to continually send in various information. I have now done this several times..even once talked to an adjuster who said that all I needed was 1 more item..which I sent immediately..as they have all the other info..(several copies)..2 weeks later I sent a request asking what is taking so long..I received an email..AGAIN REQUESTING ALL..ALL.ALL. the documents..previously sent..and verified. I would look very carefully before spending any money ..annual fee...etc...with Chase,
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bkubran_1 @bkubran_1
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2 Star Rating
Decent card/rewards - ATROCIOUS CUSTOMER SERVICE. Attempted to book flight using card (through Kayak as the ticket prices were substantially lower) when my card was flagged for fraudulent activity. Keep in mind this is a TRAVEL card, and we were purchasing regional tickets - nothing out of the ordinary for our account. When prompted via text, I informed them it was me trying to purchase, but still the site would not accept our payment. We had to then restart the process, and wouldn't you know it - prices went up before we could rebook (approx 5 mins).
Called Chase, figured this would be an easy fix and they would credit me the difference as this was NOT our fault but theirs. They basically told me to kick rocks. Passed me around from one employee to another, one who didn't know anything, one who rudely told me to take it up with the airline (and hung up on me), one who was nice but unable to help, before finally getting to a supervisor who callously told me there was nothing they were going to do for me.
Reading the fine print now, but if there is a way to spend all my points and cancel my card before my next annual fee comes due, there is a zero point zero percent chance that I will be using Chase again next year. Looks like we will be an AMEX household going forward.
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Jessica Ray @jessicamray22
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1 Star Rating
Travel Rewards are a joke. I choose the Chase reserve card in large part because of the marketed "great travel" rewards program. They fraudulently advertise their flight prices being less that on your standard search engine but they are FREQUENTLY well above the prices listed on google, expedia or direct with the airlines. If you call in for help they will send you round and round to unhelpful CS agents until you eventually give up. Do yourself a favor and choose a different CC service.
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charr004 @charr004
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4 Star Rating
Chase Travel completely dropped the ball by failing to notify me about a Jet Blue flight return flight cancellation for my family’s February vacation in Antigua. This flight was booked through Chase Travel Portal using my costly Sapphire Reserve card. Chase’s online system is completely ineffective at generating accurate travel notifications and is, in fact, actively misleading to the customer. When our return flights from Antigua to JFK were cancelled back in November of 2022, the only notification that occurred from either the airline or chase was a message that my “flight schedule” had changed. Upon reading that message and logging into the Chase Travel website my flight times were still listed and labeled as “confirmed.” At no point was I called or emailed or in any other way notified that our flights were cancelled. Moreover, the incorrect information on the Chase website only served to reassure me that all was in order. Fast forward to February 2023, the Chase website still listed my return flight as confirmed. It wasn’t until I attempted to enter my passport info on the Jet Blue website that I realized the return flight was cancelled. After a total of 5 hours on the phone with Chase, the result was that the only options Jet Blue would offer me were to refund or rebook on a flight that would have required changing my vacation plans by more than 2 days. My only option was to refund the Jet Blue flights and book last minute AA tickets for $800 more than I originally paid. Chase admitted fault in failing to inform me about the cancellation but after escalating the entire situation to their complaints department, I was only offered 15,000 points for my trouble and nothing whatsoever to compensate my $800 financial loss. Had I been notified of the cancellation in a timely manner I could have found much less expensive flight options or adjusted my travel plans. This was a complete failure within Chase travel’s system to keep me informed followed by a complete failure of Chase’s customer service to take responsibility for the financial loss they caused. After this experience I believe the additional $200/year for excellent customer service with Amex Platinum will prove to be a bargain by avoiding these costly mistakes.
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charr004 @charr004
Updating this review. After contacting Chase via multiple routes we got some traction through Facebook Messenger. It took a lot of persistence on my end but Chase absolutely redeemed themselves. My account was credited the full difference in ticket costs in the form of ultimate rewards points. Moreover, I was given an additional 15,000 points for the inconvenience. I feel that Chase fully made up for the original mistake as well as the hassle. I am updating the star rating on this review accordingly.
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mpikul @mpikul
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1 Star Rating
Chase Sapphire Preferred Benefits are a Fraud. After trying for 6 months to receive trip cancellation benefit, a total of $1000, scanning/providing/uploading ALL the documentation that eClaims (Chase's 3rd party manager of this benefit)requested, going after the airline to provide documentation, I continue to get the run around. I am led to believe Chase Sapphire is fraudulently advertising these benefits, and does not actually follow through. I have also tried to receive a $50 credit benefit for booking a hotel using my Reward points. Instead I received a long letter explaining why I didn't somehow meet the criteria. It's all a game to wear us down. It's all Fraud. Chase will never pay these benefits.
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Katherine V @KatVal
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2 Star Rating
Sure the points are nice, but actually using the card to travel is a massive hassle. This means that if there's a problem like a delay or cancellation, you have to go through a Chase "travel specialist" to address the issue. Worse, if you decide to cancel your flight, you get a "travel credit" that is good for 12 months on the same airline and YOU HAVE TO USE THE ENTIRE CREDIT AT ONE TIME OR YOU LOSE IT. Seriously. So if you book a $500 flight on Delta through Chase, cancel it, and then want to book a $200 flight on Delta, you're out $300. My mind was blown when I saw that. As a side note, they use multi-factor authentication when signing in, which means that the secondary card holder has to always make sure that the primary cardholder is available to receive a text every time the secondary cardholder wants to sign in and book a trip.
Overall, not worth the hassle and you're going to end up getting scammed out of money if your travel plans change.
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Steven Hislop @steven_a_hislop
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1 Star Rating
Very disappointed with Chase Sapphire customer service. I filed a claim for a fraudulent charge. The claim was initially rejected as the vendor provided vague filings that the charge was warranted. I asked Chase to go back to the vendor and ask for proof that I violated the policy that the vendor stated validated the charge, including exact dates and times. It was an easy request that should prove that the charge should have never been applied. Chase sent a letter saying "sorry there is nothing we can do" without actually doing anything. It's disappointing that a "high-end" card won't look to actually protect it's customers from fraudulent charges.
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peter3999 @peter3999
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1 Star Rating
Verified Customer
try to dispute charges with Chase, they will give you run around. We had an upgrade to business class plane ticket overnight flight to Poland. The seat was not reclining. Chase didnt do nothing about it. Capital One from my past experience ( I travel frequently ) on the other hand, very smooth process with disputing charges.
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