Chase Sapphire Reserve

The Sapphire Reserve sits at the premium tier of Chase's Ultimate Rewards ecosystem at $795 a year, built for travelers who book through Chase Travel and want a lounge network behind the math. The current structure leans harder on credits, including $300 in dining at Sapphire Exclusive Tables, $500 a year at The Edit hotels, $288 in Apple subscriptions, and $300 at StubHub, so the offsets total well above the fee for anyone who actually uses them. Outside the portal, the 4x on flights and hotels booked direct does the heavy lifting, and the primary rental car coverage along with best-in-class trip insurance fill in what the Preferred cannot match at $95.

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Metal card

Annual fee

$795

$66.25/mo equivalent
Welcome offer

100,000 points

≈$1,500 at our valuation
after $6,000 in 3 months
Offer history

Welcome offers on this card have changed before. Knowing what it previously offered helps you judge whether today's number is worth acting on now or waiting.
- 75,000 points
  
  after $5,000 in 3 months
  
  May 13, 2026 to May 13, 2026
- 150,000 points
  
  after $6,000 in 3 months
  
  May 13, 2026 to June 15, 2026
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

Conditional

Reports adult AU activity to all three bureaus; does not report minors (under 18).
Issuer policy

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

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Capital One Venture X Rewards Credit Card

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The Venture X is Capital One's answer to the Sapphire Reserve and Amex Platinum, a metal $395 travel card that earns 2x miles flat on everything, plus 10x on hotels and 5x on flights when booked through Capital One 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.