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
21.24% - 28.24% (V)
Balance Transfer
APR: 21.24% - 28.24% (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
View 292 User Reviews
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.
To add a Chase Sapphire Reserve authorized user, log in to your online account and click the “More options” tab, or call customer service at 1 (800) 432-3117. You will need to provide the person's full name and date of birth to add them as an authorized user.
A primary cardholder can make anyone a Chase Sapphire Reserve authorized user.
How to Add a Chase Sapphire Reserve Authorized User Online
Log in to your Chase Sapphire Reserve card account.
Click the “More options” tab.
Click “Add an authorized user" under the “Account Services" menu.
Enter the user's full name and date of birth.
Click “Add authorized user.”
When you add a a Chase Sapphire Reserve authorized user, they will receive their own credit card, sent to your mailing address, within 7-10 business days of being added to the account. The authorized user's credit card will be linked to your account and will have full access to the account's credit limit. Chase authorized users are able to make purchases, earn rewards, and access account information. However, they cannot request credit limit increases, add authorized users, or close the account.
In addition, any purchases an authorized user makes on the account will appear on your statement, and as the primary cardholder, you are responsible for all purchases on the account. Chase reports account information to all three of the major credit bureaus, which affects not only the user's credit history, but also the primary cardholder's. Authorized users may be removed from an account at the user's or primary cardholder's request at any time, and for any reason.
To get the Chase Sapphire Reserve card sign-up bonus, new cardholders must spend $4,000 within the first 3 months of opening an account. The Chase Sapphire Reserve card bonus is 60,000 points.
Keep in mind, however, that you will not be eligible for this introductory bonus if you...
There are 11 Chase Sapphire Reserve airline partners, including JetBlue, Southwest and United. Chase Sapphire Reserve cardholders can transfer points to partner airlines' frequent flyer programs in increments of 1,000, at a rate of one partner mile per Chase Sapphire Reserve point.
Chase Sapphire Reserve trip cancellation insurance covers travel cancellations and interruptions due to covered reasons, such as illness or severe weather. The maximum reimbursement for cancelled or interrupted travel is $10,000 per person and $20,000 per trip.
To qualify for Chase Sapphire Reserve trip cancellation insurance coverage, your trip...
You can use the TSA PreCheck benefit on Chase Sapphire Reserve while completing your TSA PreCheck application. The benefit provides an $85 statement credit to cardholders who charge the program's application fee to the Chase Sapphire Reserve.
TSA PreCheck is a program that helps expedite people's way through...
There is no Chase Sapphire Reserve concierge benefit. Cardholders with questions about their account can call 1 (800) 935-9935 for assistance, but the customer service representative won't be able to perform the wide range of services provided by some credit card concierges.
You can activate your Chase Sapphire Reserve card online or over the phone at (888) 489-7249. You can begin using your Chase Sapphire Reserve immediately after activating it.
Your Chase Sapphire Reserve approval odds are decent if you have a credit score of 750 or higher, which is considered excellent credit. Chase doesn't publicly disclose their exact approval criteria. But they will definitely look at income level and current debt load as well as credit history.
If you compare Chase Sapphire Reserve vs Citi Prestige, Reserve brings home the win because of its 60,000-point bonus for spending $4,000 in the first 3 months and its 3 points per $1 on all travel and dining. In addition, Sapphire Reserve is the only one of the...
Share your insights and review the Chase Sapphire Reserve®
5
15%
4
47%
3
16%
2
10%
1
13%
3.4
292 reviews
292 reviews
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sh_kuruc @sh_kuruc
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1 Star Rating
It is true that one bad experience can really sour years of loyalty. I had a fraud incident with my Sapphire Reserve and was told I would have a replacement within 3-4 days (not this is during high spending season due to the holidays). A week later I have not received my card and am practically blamed for not asking for a special request to expedite my card and told to keep waiting. I’ve have zero annual fee cards overnighted to me without special request. With a $550/yr annual fee, and touting a luxury experience, it should be a given that I would’ve had my card when promised. Chase offered no concessions or regret for the situation. Chase’s customer service is one of the worst that I’ve dealt with out of my numerous cards. I can’t believe I would have this quality of service on a high-annual fee card. Really makes you wonder if they value their customers at all and are happy to run them over to Amex.
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thompson_mckenzie @thompson_mckenzie
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2 Star Rating
This card is expensive, so I don't feel like the rewards end up being that much in my favor. I also think the travel center customer service is terrible. Repeatedly had to call for a refund that was promised 3 months prior. No explanation, no compensation for the incompetence or my time. For such steep fees the customer service for the travel center should be top notch.
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Lils H @Lileeewhoo
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1 Star Rating
Not worth it. I've been a Reserve cardholder since the first year it released. To jump annual fees like this with no real added benefits nor any customer service to soften the blow is appalling. Makes me want to cancel any and all cards I hold with Chase for the lack of consideration for loyal card members through the years. Amex at least handled their fee jumps delicately, especially to loyal card members; Chase did not. It's all about raking in as many dollars as possible, not the customer service or loyalty.
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Ellen @ellenk_23
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5 Star Rating
Verified Customer
I get 3 points for all my travel and 300.00 a year credit toward travel purchases. I am not happy with the card yearly going up to 550.00 a year and still only 300.00 credit towards travel credit though and may change to another card.
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sheabalee @sheabalee
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1 Star Rating
I disputed a charge with a moving company that I attempted to cancel with and they were avoiding my calls. Chase had issued a credit, but the company then submitted a document saying that they my move was supposed to occur in April even though I just moved out of my apartment last week. Chase rebilled me and won’t give me a refund even though the moving company never provided the service and made false claims. Chase clearly doesn’t support the customer but rather falls into false claims by retailers who are not reputable. The annual fee should have some fraud protection, but doesn’t appear to be true. Go with Amex
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David @mandarinrock_dg
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1 Star Rating
Verified Customer
5/24 rule is a joke for a card that pales in comparison to my Amex Platinum ? this card is STRICTLY for people who want a high annual fee with little to no rewards or benefits, this card is great for 2 things, being STOLEN and hemorrhaging money via an absurdly rationalized annual fee
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samsobkov @samsobkov
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5 Star Rating
All these 1-star review are ABSURD! Let me tell you the total value you get when you get this card (06/2021): $300 credit for travel (including ubers and parking) + $429 value for premium airport lounge access literally anywhere + $100 to skip lines in airports (TSA/global entry) + $60 Doordash for FREE (statement credit) + $199 Lyft Pink value (15% discounts, faster service) + $900 worth of travel points if you spend $4k in the first 3 months. So let's add that up: 300+429+100+60+199+900 = $2,258!!! The annual fee is $550!!! I know people have had rough travel booking experiences but even between the signup bonus and the travel credit the card almost pays itself off double. You could literally transfer your travel points on Chase to the actual company (e.g., Delta Air) on a 1:1 ratio and NEVER use Chase's booking service and be winning big time. Don't let the 1-star reviews dissuade you from getting this card - it's WORTH IT!! From a guy who is overjoyed w his new card and confused by all these misleading 1-star reviews.
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samsobkov @samsobkov
You'll note by reading the 1-star reviews they're all about COVID-related cancellations and headaches solving those errors - won't be an issue anymore!! Thanks vaccines!
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Christian @christianf_28
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5 Star Rating
Verified Customer
Incredible benefits, great travel card. Usually gives higher limits (mine is 18K). Don't forget about 5/24, so don't apply if you've opened more than 5 accounts in the past 24 months!
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CT Liotta @ctliotta
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4 Star Rating
This is a great card for overseas travel, if you hop from city to city and like nice airport lounges abroad. Domestically, I've had mixed experiences - especially in airports like JFK where the Priority Pass lounges are in disconnected International terminals, airside.
What galls me about the card is the "points are worth 50% more" promise. On Kayak, I could get a flight for $80. On the chase booking engine, the same flight is available for $120... or 8000 points. See the problem? I'm also a fan of ultra low cost carriers like Spirit and Frontier, and they can't be booked with reward points. Or, if they can, it's so convoluted it isn't worth it.
I like the Lyft Pink membership and hope it's a keeper past one year. Mostly I use it for Priority Pass, to rack up fast points buying airline tickets, and to transfer Freedom Unlimited Points.
Do I transfer to airline partners? Meh. Sometimes. I've never gotten great deals that way, and I'm not about to spend points to fly domestic first class.
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gtocquigny @gtocquigny
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1 Star Rating
We currently hold 2 Chase Sapphire Reserve cards, (yes, that’s $900/yr. in annual fees) which we primarily use for travel outside the US. Recently, I decided to try purchasing an Air France ticket using Chase Ultimate Rewards, but unfortunately we had to cancel the entire European trip due to Covid. Since this particular ticket was within the EU, it was not cancelled by Air France. When I called Chase Travel to cancel and seek a refund, they first gave me a different number to call with no explanation as to why, and this was after going through all of the security verification questions. At the second number, I was placed on a “short hold” for a total of over 16 minutes while the rep “called the airline.” I understand that Covid has caused much confusion and policies are still changing, but the answer she gave after talking directly to Air France (supposedly) was “Chase Travel can issue a travel voucher, but if you want a refund, you may apply directly on the AF website.” I chose the latter, and promptly received an email reply from Air France stating that I must seek a refund through my “travel agent.” There are so many things we love about the Sapphire card, not the least of which is the travel insurance and Priority Pass airline lounge benefits, but I have little confidence in Chase Travel. I’m convinced that it’s a totally outsourced operation, and the Sapphire customer service folks want nothing to do with it, based on my conversations with the credit card side of the house.
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