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
21.49% - 28.49% (V)
Balance Transfer
APR: 21.49% - 28.49% (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.
The Chase Sapphire Reserve income requirements aren't publicly available. That being said, you'll need at least enough money to cover the $450 annual fee and monthly payments on a minimum credit line of $10,000. While it would certainly be easier if Chase just gave out a magic number, the truth is that income is only one factor in the application. And since Chase Sapphire Reserve is one of the top luxury cards on the market, all kinds of consumers want it, from millionaires to Average Joes.
Here's what we know about the Chase Sapphire Reserve income requirement:
Chase doesn't disclose any particular number. You might get approved with a lower income but near perfect credit. Or you might get approved with credit toward the lower end of the excellent range but a very high income. The situation is different for each person.
To get this card, you must be able to afford at least the $450 annual fee and minimum monthly payment. The smallest credit line you can get is $10,000. And if you used all of that, your minimum payment would be $100, plus interest.
Debts are important too. If every dollar you earn already goes to repaying other balances, your income alone doesn't really reflect your ability to pay. That's why Chase considers your debt-to-income ratio.
Working to increase your income before you apply for Chase Sapphire Reserve could be helpful. Of course, that's not always doable. But if you're able to get a raise or do some extra work, it could increase your approval odds.
You should also be sure to include every piece of income you can in the figure you report on your application. It's not just your job that counts. Gifts, scholarships, grants, trust funds, Social Security income and retirement income do, too.
Finally, it's important to remember that income isn't everything. You'll also need an excellent credit score (750+). Plus, Chase will look at your housing status and number of recently-opened accounts.
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...
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...
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.
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.
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...
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.
You can use your Chase Sapphire Reserve for airport lounge access by first enrolling in Priority Pass Select. There is no additional cost to activate your Priority Pass membership and it is a one-time procedure.
Chase Sapphire Reserve Priority Pass gives you access to 1,300+ airport lounges around...
Share your insights and review the Chase Sapphire Reserve®
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3.4
296 reviews
296 reviews
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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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JOSEPH @prencipe
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5 Star Rating
Verified Customer
No annual fee Visa Signature. After about five years they increased my credit line by $15,000 with fairly low recent spend. I was very pleasantly surprised.
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cveronshay @cveronshay
How much is your credit card bill
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Jamal @jamalw_10
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5 Star Rating
Verified Customer
This card fee is one of the highest. However, this card is the best card with perks for TRAVELERS. If you do not travel often this card is not for you. It is one of the best card I ever had. I utilize many of its perks and that worth the annual fees. I still should utilize more perks that I am currently using. If you frequent traveler you must have this card.
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Ross @rossr_13
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5 Star Rating
Verified Customer
The annual fee is easily paid for with the perks and annual credits. Not to mention the great value that is unlocked through the travel portal and higher earning rates. Fantastic card for credit enthusiasts!
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Dmitry Chudnovsky @dchudnov
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1 Star Rating
Absolutely not worth the high annual fee. Other than free travel lounges at the airport, which can be purchased separately for a much cheaper price, the card doesn't honor any of the advertised benefits. Car insurance is only accepted as secondary (not primary as advertised) and the Car Rental companies demand buying a separate liability insurance. The Trip Cancellation/Delay insurance is completely useless, I filed two claims in the last 5 years, supplied all required documents multiple time with the horrible Eclaims company used by Chase and received no reimbursement even after spending countless hours on the phone with various reps. Other services like VIP access to events and concierge are not even worth mentioning. For nearly the same annual fee get AMEX Platinum or Mastercard Black, which provide much better service and actual stand behind their commitment.
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