4.5 / 5 \u00b7 Bonus Eagle score
Chase
Sapphire Reserve
Welcome bonus
60,000Ultimate Rewards
Annual fee
$550
Purchase APR
21.49% – 28.49%
Credit needed
Excellent (740+)
on Chase's secure site
The bottom line
The Sapphire Reserve is for the serious Chase Ultimate Rewards user who has already outgrown the Sapphire Preferred. The 10x and 5x earning rates on travel-portal bookings are the highest in the Chase lineup.
At a glance
Pros and cons.
Pros
- $300 annual travel credit
- Priority Pass + Sapphire Lounge access
- Same 14 transfer partners as Sapphire Preferred
- Chase Travel earns at premium rates
- Primary rental car insurance
Cons
- $550 fee is steep, even with credits
- Travel credit must be used through Chase Travel
- Less generous than Venture X on effective fee
The editorial review
Our take on this card.
The Sapphire Reserve is for the serious Chase Ultimate Rewards user who has already outgrown the Sapphire Preferred. The 10x and 5x earning rates on travel-portal bookings are the highest in the Chase lineup. If you're not booking 5+ trips a year through Chase Travel, the Venture X offers similar benefits for less.
How you earn
Rewards by category.
Hotels, cars, Chase Dining via Chase Travel
10x
Flights via Chase Travel
5x
Other travel & dining
3x
All other purchases
1x
Rates and fees
The full disclosure.
All rates and fees current as of publication. Verify against the issuer's official Terms and Conditions before applying.
Annual fee
$550
Purchase APR
21.49% – 28.49%
Foreign transaction fee
None
Frequently asked
Questions readers ask.
For travelers who use airport lounges regularly and book travel through the Chase portal, yes. The card includes a $300 annual travel credit, Priority Pass, and the highest Chase point redemption rate (1.5 cents per point). If you spend $3,000+ per year on travel through Chase and use the lounge 10+ times, the math works.
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