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 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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 air travel 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, 50,000 points are worth $750 toward travel
With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
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®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
APR on Purchases
17.24% - 24.24% (V)
Balance Transfer
APR: 17.24% - 24.24% (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 50,000 points for spending $4,000 within 3 months of opening an account, plus ongoing rewards of ... show more
View 270 User Reviews
Chase Sapphire Reserve's Additional Info
cash advance fee
Either $10 or 5% of the amount of each transaction, whichever is greater.
Don't see what you're 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.
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 security at airports. To get the benefit with the Chase Sapphire Reserve, a cardholder only needs to apply using the card; it doesn't matter whether they are approved or denied for the program.
Cardholders can get one Chase Sapphire Reserve TSA PreCheck® statement credit every four years. That's convenient because the program requires you to regularly re-apply for membership (every five years or less, depending on the enrollment provider) and charges a new application fee each time. If you don't plan to apply for TSA PreCheck® yourself but know someone who will, you can use the card to pay for their application and you'll still get the credit. Unfortunately, the benefit is only available when the fee is charged by the primary cardholder; authorized users do not get their own $85 credit.
Keep in mind that instead of an $85 statement credit for the TSA PreCheck® application, you also have the option to get a $100 statement credit for a Global Entry application. TSA PreCheck® expedites your way through domestic security, while Global Entry does the same for international customs.
There are two ways to get your Chase Sapphire Reserve activated: Online and over the phone at (888) 489-7249.
To do it online, go to the Chase card verification page and enter your login information. If you don't have a user ID and password yet, click “Sign up... show more
To have decent Chase Sapphire Reserve approval odds, applicants need 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 50,000-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... show more
Chase Sapphire Reserve return protection will reimburse you for the cost of a purchase, up to $500, if the merchant won't let you return it. It applies for 90 days after you make a purchase with Chase Sapphire Reserve, and you're eligible for up to $1,000 in refunds per... show more
Your Chase Sapphire Reserve credit limit will be at least $10,000 but could be a lot higher, depending on how excellent your credit is and how much money you have. Chase Sapphire Reserve's minimum spending limit is large compared to what most credit cards will give you, even other... show more
Yes, Chase Sapphire Reserve® is a metal card. There's no plastic version, so there's no need to specifically request the card in metal when you apply. That's what you'll automatically get if you're approved for an account. While many people like the feel and aesthetic of metal cards, or see... show more
The Chase Sapphire Reserve APR is 17.24% - 24.24% (V), depending on how good your credit is. That rate applies to both purchases and balance transfers from the time you open an account. But it won't apply to you if you pay your bill in full every month.
Yes, Chase Sapphire Reserve covers flight delays as part of travel insurance. But it's actually called “trip delay” insurance and isn't just limited to flights. It applies to all kinds of transportation by a travel provider, such as planes, trains, buses and cruises. If your flight or other mode of... show more
The Chase Sapphire Reserve extended warranty benefit works by giving you an extra year of coverage if you buy something with a warranty of 3 years or less. This benefit protects most Chase Sapphire Reserve purchases against damage or malfunction up to $10,000 per claim and $50,000 per account. But... show more
Share your insights and review the Chase Sapphire Reserve®
5
14%
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50%
3
16%
2
10%
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11%
3.4
270 reviews
270 reviews
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peterbbell @peterbbell
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1 Star Rating
Verified Customer
I use to be happy w/ this card and rarely called customer service. But when I have had to call it's been concierge styled service... but that's all disappeared... before or during the virus? I don't know, I haven't called in about a year. But when my card was rejected 2x on a Sunday I called to find out why... closed... call during business hours. WHAT? I called during "business hours" and, after the range of robo efforts hung up in frustration. I called the International number and got a nice fellow who explained they hadn't received payment. Fair enough, I'd mailed full payment on May 9th for the May 21st due date. He offered to wait and see if it arrived following the weekend mail or pay part now to free up the card now. I thought waiting for mail another day wouldn't hurt but the local post office advised otherwise (I was filing a missing mail report). Dreading the call back process, that didn't change but ultimately did get a human being via the robo route. Her diction was less than terrific and when I asked her to please repeat her name (I take notes) she hung up on me!!! Back to the International number, I got a nice gal who processed part of the payment but wouldn't take a second payment for the balance until tomorrow. WHAT? You have a "live fish" on the line and you won't take 2 payments for the one cc account? It took 3x for her to listen to "I have 2 separate businesses, each with their own separate checking accounts, but I use this credit card for both businesses. I diligently post each expenditure to each separate company account and mail Chase a check from each account (that's 2 checks to pay the bill in full)... company A and company B. "Oh, she said... I misunderstood... we can take that account info when you are ready" but by now she was a bit frosted. And I was none too happy either... when your customer experience literally falls off a cliff from a concierge styled experience to what I went through today... "sad" ... and it's the only time I quote "him."
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lisa6215 @lisa6215
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1 Star Rating
I got this card because of the bonus for using it to book travel with Chase Travel. But trying to get a refund for an airline-cancelled flight has proven extremely difficult. It took 2 weeks for Chase Travel to deny my request for a refund (I had to call 4 times, especially since they erroneously sent me emails meant for the airline in response to the airlines request for info). They denied my refund on April 16th, saying that the airline had refused a refund and would only give credit. So I checked the airline policies and it turns out they had publicly posted their policy on April 9th saying that I was eligible for a refund, which I had to request through my third party travel company. So I called back first thing on April 17th to question Chase Travel's reasoning. The first person said that I could only get a refund if I called the airline. I explained multiple times that I didn't purchase from the airline, so the airline policy said the refund had to be issued by Chase Travel. Finally, he transferred me to a manager because they said they had to check with the airline again and start the 2 week process all over again, and the manager had the ability to send emails. After talking to the manager for awhile, the manager abruptly said, "we'll give you a refund." And I got an email from Chase Travel saying they were refunding me. But that was in the morning on April 16th and as of the afternoon of May 5th, the refund has still not posted (though Chase Travel said it would take 10-12 days). I'm tired of dealing with Chase Travel, who clearly tried to do all they could to try and get me to take credit over a refund. So I called Chase Sapphire Reserve to dispute the charge from Chase Travel. Chase Sapphire Reserve told me I had to call Chase Travel and there was nothing they could do (though I've already called Chase Travel 5 times). Interestingly enough, a friend of mine had her flights cancelled and her non-Chase travel agency wanted to charge a $200 fee to process a refund, so she called Chase to dispute the charge for her airline tickets instead and she was given a full refund of the purchase price the next day. So clearly, Chase has different policies if you are working with an non-affiliated travel agency. This is so frustrating.
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msfrancis @msfrancis
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1 Star Rating
You would think a $600 annual fee reserve credit card would offer some service and some customer support.
My family and several other families had planned a trip to Canada for mid May. Obviously, no one is currently traveling and Canada has banned non-essential travel, so cancellation should have been easy. During the Covid-19 epidemic, you cannot speak to a live person unless the travel is within 72 hours. The idea that you cannot call your card services about anything seems a little unreasonable, but I understand these times are somewhat unprecedented. As such, we cancelled through Chase on-line, as we cannot communicate with our card any other way, despite trying multiple different service related phone numbers.
After submitting our cancellation of a reservation at the Fairmont Waterfront hotel in Vancouver, we wait several weeks to confirm the cancellation. During that time, our friends that booked with the hotel called the hotel directly and received full refunds, even though they'd booked non-refundable rooms.
After several weeks, we receive an email from Chase Sapphire Reserve that says our hotel reservation was cancelled, but no refund of money or points would be given. The email had a link to contest this decision. We contested and waited several more weeks. After two weeks, we get a response that says:
"we reviewed your request and ADVOCATED ON YOUR BEHALF WITH FAIRMONT WATERFRONT, but your travel dates are not covered by the latest waiver policy issued by the hotel."
I immediately called the hotel and was informed the hotel was waiving any non-cancellation policy for any reservation through May 31, 2020. This was the same policy applied to my friends' non-cancellation reservations that received a full refund. I was told my credit card merely needed to call the hotel and ask, and a full refund would be given.
So one of two things happened. 1) Chase never even asked for a refund or did not want me to get my points back, or 2) Chase obtained a refund from the hotel and pocketed the money and lied to me.
Either way, I find this unacceptable, particularly from one of the more expensive and supposedly exclusive travel cards and programs. I would take this up with Chase, but there is no one, anywhere, that I can contact with Chase.
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Ro Troia @troia
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1 Star Rating
Chase sapphire Reserve has the worst travel consultants, I booked an airfare to london using the chase travel consultant and she booked with my incorrect name, not the name on my passport! I have called chase 7 times to get my name corrected, being kept on hold sometimes as long as 2 hours. they are clearly overwhelmed and incompetent in travel and appear to be using Expedia to book travel. To date my name still has not been corrected after sending them a copy of my passport, still has not corrected the ticket. I am furious and want to warn anyone thinking this chase card is superior when it comes to travel. fyi, when i call the travel dept i have the pleasure of repeating my story over and over again with no resolution.
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Lisa Reed @LReed
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1 Star Rating
Worst travel customer service ever..expedia has taken over and they are horrible. Only used my points twice with travel and each time problem and on hold for over an hour waiting to speak with someone and then transferred three times and never resolved. Will not renew credit card ...just awful!!!!!!!
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chunkandbean @chunkandbean
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1 Star Rating
Worst credit card ever for travelling. Do not get this card is you need a card for travelling. The "verified by Visa" system that they use is the worst. You cannot buy anything without calling Visa and having them verify the charge so if you are trying to book tickets and you have a time limit then forget it. Get a different card that is not Chase!!! Chase claims it's not their fault but it is absolutely their fault.
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barry_2 @barry_2
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1 Star Rating
Verified Customer
I have an 805 credit score, less than 10% utilization, never a late payment to anyone ever, 100K parked in their bank and I get a measly $10K credit line. I explained that this is not even enough to buy airline tickets and hotel for my family (it is after all a travel card). They just don't want to budge. I got a higher credit line and more rewards from Capital One Savor. I don't intend to keep this card. It's been a huge waste of my time, plus TWO hard pulls!
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Jane John @lcwtmw
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1 Star Rating
The online travel booking is horrendous and frustrating. Save yourself time and don't get this card. I have had three horrible experiences on the phone with customer service repeating myself and my plans. They can't seem to book a simple hotel and they tell me that their website is updating. It has happened multiple times, months and days apart so how many times can a website not work in the year 2019 for a big company like Chase? THEY SHOULD BE EMBARRASSED!!!!
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Nathaniel Belteton @e_j_1993
How long have you been banking with them
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haiden_dodd @haiden_dodd
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1 Star Rating
The transfer to expedia booking platform is going to bring CHASE rewards to their knees!
The mismanagement of the transition to the Expedia’s booking platform has led to a HORRIBLE customer experience. I was once an avid promoter and provider of monthly referrals for new chase reserve customers. Not anymore.
Chase management needs to seriously reconsider and challenge Expedia on the deplorable committment to customer service and their ability to successfully transition technological platforms.
Chase has now stooped to the level of other major credit card providers with hurdles and restrictions to reedem travel rewards. Congratulations!
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Jane John @lcwtmw
Thank you for your spot-on review, halden_dodd! Chase Sapphire Reserve needs to figure out their website functionality. IT NEVER WORKS! I specificially have the Chase Sapphire Reserve card for travel but everytime I try to book a hotel or flight, the website doesn't work. It has happened to me numerous times until 2 hours later, I am red in the face, calling the travel number, pushing buttons, put on hold, repeating my mother's maiden name, repeating the flights I want , repeating the hotel dates & raising my voice in frustration, told to call back in 2 hours when the website may work again. IT NEVER WORKS WHEN I CALL BACK - it happened in October and it happened again last night and today, March 17, 2019. GET YOUR ACTS TOGETHER CHASE SAPPHIRE - you advertise as a great travel card and you are NOT WORTH IT!
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Robert Spengler @roberts_1004
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5 Star Rating
Verified Customer
The benefits really are easy to use and make this basically a $150 card. The priority pass alone will offset most of your fee if you travel at all no matter which airline you use. I use Southwest most of the time but the food credit of $28 a person at the restaurants they offer in various airports add up quickly.
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