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Chase Visa

Chase Sapphire Reserve

The Sapphire Reserve is the premium tier of Chase's Ultimate Rewards ecosystem at $795 a year, designed for travelers who book through Chase Travel and want a lounge network to back up the math. The new structure leans harder on credits ($300 dining at Sapphire Exclusive Tables, $500 a year at The Edit hotels, $288 Apple subscriptions, $300 StubHub) so the offsets total well above the fee if you actually use them. The 4x on flights and hotels direct does the heavy lifting outside the portal, and primary rental car coverage plus best-in-class trip insurance round out what the Preferred at $95 cannot match.

See current offer Issuer terms
Chase Sapphire Reserve card art
Metal card
  • Annual fee
    $795
    $66.25/mo equivalent
  • Limited-time offer
    150,000 points
    after $6,000 in 3 months
    Elevated promotion. Not the standard offer.
  • Recommended credit
    750-810
    Median 765. See why →

Earning rates

on Chase Ultimate Rewards
  • 8x
    Chase Travel
    via portal
  • 4x
    Flights Direct
    Direct bookings
  • 4x
    Hotels Direct
    Direct bookings
  • 3x
    Dining
  • 1x
    Everything else

Benefits and credits

Travel credits and perks

  • $250 credit for select Chase Travel Hotels
    $250 one-time
  • $300 annual travel credit
    $300/year
  • $500 credit for stays with The Edit
    $250 semi-annual
  • Global Entry, TSA PreCheck, or NEXUS fee credit
    $120 one-time
  • Roadside Assistance
  • Travel and Emergency Assistance

Lifestyle credits

  • $120 DashPass Membership
    $120/year
    Enrollment required
  • $120 in Lyft credits
    $10/month
  • $120 in Peloton credits
    $10/month
    Enrollment required
  • $288 in Apple TV and Apple Music subscriptions
    $288/year
    Enrollment required
  • $300 dining credit
    $150 semi-annual
    Enrollment required
  • $300 in DoorDash promos
    $25/month
    Enrollment required
  • $300 in StubHub credits
    $150 semi-annual
    Enrollment required

Purchase and protection benefits

  • Extended Warranty Protection
  • Purchase Protection
    Up to $10,000 · 120d
  • Return Protection
    Up to $500 · 90d

Lounge access

  • Chase Sapphire Lounge by The Club
    Unlimited visits
    2 guests
    Restaurants included
    Same-day flight required
  • Priority Pass Select
    Unlimited visits
    2 guests
    Restaurants included
    Same-day flight required

Elite status conferred

  • IHG One Rewards
    Platinum Elite

Travel and purchase coverage

  • Baggage delay
    $100
    Delay threshold 6h
    After 6h delay
  • Emergency evacuation and transportation
    $100,000
  • Lost luggage
    $3,000
  • Rental car collision damage waiver
    $75,000
    Primary coverage
  • Travel accident insurance
    $1,000,000
  • Trip cancellation and interruption
    $10,000
    Per trip $20,000
  • Trip delay reimbursement
    $500
    Delay threshold 6h
    After 6h delay

Pricing and fees

Full Pricing and Terms
Purchase APR
19.49% to 27.99%
Foreign tx
None
Penalty APR (cap)
29.99%
Balance transfer
19.49% to 27.99%
Fee $5 or 5.00%, whichever is greater
Cash advance
28.49%
Fee $10 or 5.00%, whichever is greater
Late / returned
$40 · $40

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    $195
  • Reports AU to bureaus
    Not disclosed

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

Similar cards

Cards with the most in common, based on the math.

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  • Chase Freedom Unlimited card art
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    The Freedom Unlimited is the workhorse no-annual-fee card that quietly earns 1.5% on everything plus elevated rates on dining, drugstores, and Chase Travel.

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Sources

Data current as of May 13, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.