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 293 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.
The Chase Sapphire Reserve return protection will reimburse you for the cost of a purchase if the merchant won't let you return it. Cardholders are covered up to $500 per item and $1,000 per year. It applies for 90 days after you make a purchase with your Chase Sapphire Reserve or Chase Ultimate Rewards points.
Here's how Chase Sapphire Reserve return protection works:
Coverage value: Up to $500 per item and $1,000 per year.
What is covered: Coverage applies to most purchases paid for with Chase Sapphire Reserve or Chase Ultimate Rewards points.
What is not covered: Items that don't qualify for Chase Sapphire Reserve purchase protection include animals and plants, motor vehicles, cash and gift cards, computer software, jewelry, art objects, formalwear, anything perishable, home appliances, holiday decorations, and medical equipment.
Other requirements: The item needs to be in like-new condition for you to get reimbursed. You'll need to send it to the benefit administrator with its original packaging and pay for shipping yourself.
How to file a claim: Call the benefit administrator at (888) 675-1461 within 90 days of a purchase. Then, return the completed claim form and any required documents within 60 days of announcing the benefit administrator about the return. You may also file a claim online.
Documents required: You'll have to provide both the original sales receipt and card receipt, if they're different. If you file a claim within 30 days of purchase, you may need to send a copy of the store's returns policy.
Chase Sapphire Reserve return protection gives you up to $1,000 per year for items that you can't return. You just have to charge the purchase to your card and save the receipts. Make sure to check with the retailer before filing a claim, though. Chase Sapphire Reserve's protection is only supposed to fill in any gaps in a store's return policy.
The starting credit limit for the Chase Sapphire Reserve card is at least $10,000. But particularly creditworthy applicants could get limits a lot higher than that. The higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.
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.
It is worth noting that the Chase Sapphire Reserve card's annual...
The Chase Sapphire Reserve APR is 21.24% - 28.24% (V), depending on your creditworthiness. That rate applies to both purchases and balance transfers from the time you open an account. However, the interest rate could be avoided if you pay your bill in full every month.
Yes, Chase Sapphire Reserve does offer trip delay 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...
The Chase Sapphire Reserve extended warranty benefit adds an extra year of coverage to U.S. manufacturer's warranties of 3 years or less on items purchased with this card. This benefit protects most Chase Sapphire Reserve purchases against damage or malfunction, up to $10,000 per claim and $50,000 per account.
No, Chase Sapphire Reserve doesn't offer any Uber rewards or benefits, but this card can still help cardholders save on Uber rides. The card gives $300 per year in statement credits to cover travel purchases, including Uber. Cardholders also earn 3 points / $1 spent on travel purchases, which applies...
You can check your Chase Sapphire Reserve application status over the phone at (888) 609-7805. When calling, you will need to provide your Social Security number (SSN). It should only take a few minutes to find out your Chase Sapphire Reserve application status. There is no option to check...
Yes, Airbnb is considered travel for the Chase Sapphire Reserve, which means you get 3 points per $1 spent on this type of purchases. The only downside is that you won't necessarily be able to redeem your rewards to rent a place with Airbnb. So, you'll have to spend...
Share your insights and review the Chase Sapphire Reserve®
5
15%
4
46%
3
16%
2
10%
1
13%
3.4
293 reviews
293 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
gtocquigny @gtocquigny
Report Abuse
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.
show more
show less
Comment
4
0
Sophia B @sophiabb
Report Abuse
1 Star Rating
I have had a terrible experience with dealing with a canceled flight that I had booked with Chase Sapphire Reserve points. I had to cancel an international flight in April due to COVID travel restrictions. A refund was not possible, and I got flight credits. I am being asked to use my credit by August 1, 2020, and that the trip must be completed by September 30, 2021. The original flight was from the US to the UK, through Aer Lingus, an Irish airline. This is completely unreasonable that I am asked to book a flight right now, while my state (California) has still not fully reopened, and most of Europe has travel bans against the US, or at the very least a 14-day quarantine upon arrival. Nobody is thinking about traveling internationally right now in the near future. I keep getting told that it's up to the airline to decide the policy, but it is Chase's job as the travel agent to advocate for its customers. Talking to a travel specialist online takes million years and the connection gets silent dropped sometimes, which makes me wait for half an hour before even realizing no one is on the other side, and I get reconnected to a different agent, and have to explain my situation all over again. Chase Travel has been just terrible.
show more
show less
Comment
3
0
melissa_bickerman @melissa_bickerman
Report Abuse
1 Star Rating
Will not be continuing to use any Chase credit cards
I am extremely disappointed in my experience with Chase and their Sapphire Reserve Card. I booked a hotel through a third party company, Secret Escapes (SE), to visit Jamaica in late April. Due to Covid the hotel was closed during this time and my trip had to be cancelled. I tried to receive a refund from the company but they repeatedly stated that they act as a broker and that my contract is with the hotel. I confirmed with the hotel that they received no payment from SE and therefore SE is illegally holding my money for services they did not provide.
After exhausting my options of trying to work directly with the company, I filed a dispute with Chase. Without contacting me or validating any of the facts provided by SE, Chase closed the dispute stating it was a valid charge because I had cancelled the trip. This was of course blatantly false. After calling multiple times (twice where I was hung up on mid-call), I was informed that in order to reopen the case I would have to either mail or fax a letter stating my request to reopen the dispute. In addition to the letter explaining the situation, I provided evidence of SE’s terms and conditions stating that in the event a booking was cancelled by the hotel they would provide a refund and proof that SE did not pay the hotel. I tried faxing 3 times but the number they provided did not connect. I then mailed the documents. After no word for two weeks, I called to check on the status. I was told the documents had not been received and to call back in a couple days. I did so, having to wait on a long queue to get in touch with someone. Again I was told the documents had not been received and to call back in a couple days. I then went into a branch to talk to a representative directly. After 2 hours, they were able to fax the documents on my behalf. A week and another phone call later, Chase finally reopened the dispute.
Two weeks later (and almost 3 months after the initial dispute was created) I received a response from Chase stating that while I may have a valid complaint with the merchant, this is not a billing error and concluded the charges were valid. However I was not claiming that this was a billing error, I was disputing on the grounds that this was a fraudulent charge for services not provided. Other credit card companies found similar cases with SE as fraud and returned the money to their customers. With the amount they charge for this card and the fact that it is supposed to be a travel card marketing perks of travel protection, I am less than impressed and will be looking for alternative options once my annual fee is up.
show more
show less
Comment
2
0
peterbbell @peterbbell
Report Abuse
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."
show more
show less
Comment
1
0
lisa6215 @lisa6215
Report Abuse
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.
show more
show less
Comment
3
0
msfrancis @msfrancis
Report Abuse
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.
show more
show less
Comment
3
2
Ro Troia @troia
Report Abuse
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.
show more
show less
Comment
1
2
Lisa Reed @LReed
Report Abuse
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!!!!!!!
show more
show less
Comment
1
1
chunkandbean @chunkandbean
Report Abuse
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.
show more
show less
Comment
3
0
barry_2 @barry_2
Report Abuse
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!
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
