KEY BENEFITS

Learn More About the Chase Sapphire Reserve®

• Earn 75,000 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 Travel℠, but up to $1,200 or more based on our valuations! (when using travel transfer partners)

• $300 Annual Travel Statement Credit

• 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ (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)

• 10x Ultimate Rewards Points on Lyft Rides (through March 2025)

• 5x Ultimate Reward points (on air travel through Chase Travel℠)

• 3X Ultimate Rewards Points on Travel Worldwide (after receiving the $300 annual travel credit)

• 3X Ultimate Rewards Points on Dining Worldwide

• 1X Ultimate Rewards Points on all other purchases

• 50% More Value when redeeming points for travel through Chase Travel℠

• Priority Pass Select: access 1,300+ lounges globally

• Complimentary Global Entry or TSA PreCheck®: up to $100 statement credit

• Two Years of DashPass from DoorDash: $120 annual value

• Chase Offers: access to hundreds of dollars of savings

• Chase Travel Transfer Partners

• No Foreign Transaction Fees

• $550 Annual Fee

• Annual Percentage Rate: 22.49% - 29.49% variable (depending on creditworthiness and other factors)

• Recommended Credit Score: 740 - 850 (Excellent)

  Learn More About the Chase Sapphire Reserve®

TO THE POINT

When friends and family ask us for our recommendation for the best card to earn reward points with the simplest redemption, one card is always at the top of the list: the Chase Sapphire Reserve. It's the Swiss Army knife of reward cards, earning 3X points on travel, 3X points on dining, and 1X points on everything else. It unlocks free luxury travel with its many redemption options for maximizing those hard-earned Chase Ultimate Reward points. The Chase Sapphire Reserve is the crown jewel of Chase credit cards, packing some serious reward points earning power, travel benefits, dining perks, and much more. While the only other travel card in its class is The Platinum Card® from American Express, it can be argued that the Chase Sapphire Reserve is a more well-rounded card. With a 75,000-point welcome offer worth $1,200+ based on our valuations, and the numerous annual benefits, you'll get much more value out of this card than its annual fee. Whether teamed up with other Chase cards such as the Chase Freedom Unlimited®, Chase Business Ink, or simply flying solo, there's one card that everyone should have in their wallet: the Chase Sapphire Reserve. 

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The Chase Sapphire Reserve's Comprehensive Benefits

The Chase Sapphire Reserve has stayed in our wallet since it was first launched in August 2016. While we redeemed our welcome bonus years ago, the comprehensive benefits compel us to keep this card in our wallet, year after year, and even after the announcement of the annual fee increase from $450 to $550 in 2020. Don't let that annual fee discourage you just yet; we'll get to the details of the value proposition a little later.  First, let's take a look at the main benefits this card has to offer.

$300 Travel Credit, Ultimate Reward Earning Bonuses, & Travel Benefits

$300 Annual Travel Statement Credit - What we love about this benefit is that Chase kept it simple from the beginning. You don't have to worry about selecting a specific airline if you want to use this for flights (like American Express cards). You can simply use your Chase Sapphire Reserve for any travel expense, and the first $300 you spend on any travel after your card's anniversary will be credited back to your account as a statement credit. Chase has a broad range of charges that will fall into the "travel" category. They're all covered from airplane tickets, hotel rooms, train tickets, cruises, Ubers, and Lyft rides. One thing to note is that parking garage charges and other smaller items are included, which we find to be bittersweet. We prefer to use the $300 credit for a more substantial expense, such as an Airbnb in Lake Tahoe, but if you don't have anything planned, you could end up chipping away at the $300 credit by having it reimbursed for short Uber rides and parking fees. If you find yourself in that situation, you could always consider buying an airline, hotel, or Airbnb gift card to essentially "pull out" the $300 annual travel credit and redeem that gift card when you're ready to travel.

10x Ultimate Reward Points on hotels and car rentals when you book through Chase Travel℠.

3X Ultimate Rewards Points on Travel Worldwide - With Chase's broad categorization of what counts as travel, you'll be earning 3X Ultimate Rewards points all over the place. The first $300 you spend on travel won't earn any Ultimate Rewards points since you'll receive a statement credit for those charges. After that, you'll earn 3X on everything from airplane tickets to cruises, coincidentally making this one of the strongest cards to put cruise bookings on. Just wait until you read about the travel insurance coverage. 

3X Ultimate Rewards Points on Dining Worldwide - One of the most exciting aspects of traveling and life, in general, is the ability to try new foods and enjoy wonderful dining experiences. Dessert will taste even sweeter with 3X Ultimate Rewards points per dollar on dining at restaurants, no matter where you are. Every bite gets you closer to your next first-class flight or epic adventure! While some cards, such as the American Express® Gold Card, might appear to earn a slightly higher bonus for the dining category at 4X, the Chase Sapphire Reserve certainly holds its own here. Since you get 50% more value in the Ultimate Rewards portal, this is a minimum value of 3X x 50% = 4.5X on dining! That makes the Chase Sapphire Reserve the highest-earning card for dining, even compared to the top American Express cards.

1X Ultimate Rewards Points on all other purchases - From DIY supplies at Home Depot to DMV registration fees, you'll earn 1x Ultimate Rewards points from the money you're already spending on everyday living expenses. Earning 1X is standard for most cards, but with the Chase Sapphire Reserve, you'll always get a minimum of an additional 50% in value when redeemed for travel in the Chase Ultimate Rewards portal, effectively turning the Chase Sapphire Reserve's earning power into 1.5X per dollar on every single non-bonus expense you put on it.

50% More Value on Ultimate Rewards Points Redemptions - This is one of the Chase Sapphire Reserve's superpowers: it can bring more value to ANY Ultimate Reward point, regardless of how it was earned. These Ultimate Reward points can be earned on your Chase Sapphire Reserve card or transferred from your other Chase cards, such as the Chase Freedom Flex℠ or Chase Freedom Unlimited®. Another superpower of the Chase Ultimate Rewards ecosystem is that you can pool together Ultimate Rewards another Chase Ultimate Rewards account within your household, which can seriously increase your Ultimate Rewards bank! Once transferred into the Chase Sapphire Reserve's Ultimate Reward account, those points will be worth an additional 50%, regardless of which card they came from when redeemed for travel in the Ultimate Reward portal. 

Complimentary Airport Lounge Access - The Chase Sapphire Reserve includes a full Priority Pass Select membership. Escape from the chaos of the main terminal to one of the 1,300+ lounges globally. From the Plaza Lounge at London's Heathrow Airport to the Sala VIP Miro Lounge in Barcelona Airport or the Club at Norman Y. Mineta San Jose International Airport, you'll be set up to kick off your trip with some fresh espresso and champagne! This membership is currently the best Priority Pass access with a credit card. It also gives you food credits at select airport restaurants, such as the Corona Beach House at Miami International Airport. Simply activate your Priority Pass membership and check the Priority Pass app before heading to the airport!  

Global Entry or TSA PreCheck® Fee Credit - This card offers a $100 credit statement every four years to reimburse the application fee.

The Luxury Hotel & Resort Collection - Access to the Luxury Hotel & Resort collection lets you receive benefits such as complimentary room upgrades, early check-ins, and late check-outs at some of the top hotels and resorts around the world.

Trip Cancellation/Interruption Insurance - We don't travel without travel insurance, nor do we buy travel insurance thanks to this benefit. Whether your trip is canceled or unfortunately cut short by severe weather, illness, or other covered situations, this benefit covers you for reimbursements up to $10,000 per person and up to $20,000 per trip. This covers prepaid, non-refundable travel expenses that include airline tickets, tours, and hotels. The only other card that now has insurance in this same class is The Platinum Card® from American Express. For that reason, we almost always book our travels with the Chase Sapphire Reserve. 

Auto Rental Collision Damage Waiver - This is a VERY significant benefit, so pay close attention, and you'll save hundreds of dollars annually. This benefit makes the Chase Sapphire Reserve the best card to pay for any rental car. Most credit cards market themselves as having "auto insurance," but what is hidden in the fine print is that those cards have what's commonly called a "secondary" policy. With this rare perk, you can confidently decline the rental company’s insurance since the Chase Sapphire Reserve offers a full primary insurance policy. 

If you use a different card with a secondary policy, your personal vehicle auto insurance would have to cover any damage or expenses. Most rental companies strongly encourage you to buy expensive rental insurance. If the worst happens in this scenario, your personal vehicle insurance rates would likely be affected and result in an increased rate.

With the Chase Sapphire Reserve, you’ll have a primary rental insurance policy, which will cover you for reimbursement of up to $75,000, including theft and collision damage in the U.S and abroad. Your personal auto insurance rates won’t be affected if you need to cover damage on a rental vehicle, for an accident, or even theft. Our travels this has allowed us to decline the rental insurance with confidence in the Cayman Islands, France, Switzerland, and more! This has saved us hundreds of dollars on our rentals with Europcar, Hertz, National, SilverCar by Audi, Sixt, and several other rental companies. You can always call Chase to confirm that this policy is effective in the country you're traveling to before you go. 

Lost Luggage Reimbursement - Having an airline or common carrier loses your luggage is always stressful and frustrating. You can take the edge off of having to worry about that experience with this benefit, as you're covered up to $3,000 for checked or carry-on luggage that's damaged or lost by a common carrier (i.e., airline, cruise line, etc.). This applies to both you and an immediate family member. 

Trip Delay Reimbursement - All it takes is a 6-hour delay, and this benefit will kick in. If your travel is delayed by a common carrier or requires an overnight stay, you and your family can have your expenses reimbursed, up to $500 per ticket. If you get stuck in another city during a layover (think winter storm at JFK airport in New York), you can book a hotel, grab dinner, and have the Chase Sapphire Reserve cover the expenses. 

Emergency Evacuation & Transportation - We hope you never need this benefit, but if you end up in an unfortunate situation, you'll be glad you have it. If you or an immediate family member become injured or sick during a trip far from home and you need an emergency medical evaluation, your medical services and transportation will be covered up to $100,000. This perk is especially beneficial if you're traveling with a higher-risk condition that could result in needing to be air evacuated to a more advanced hospital for care.

Shopping Bonuses and Purchase Protections

Purchase Protection - New purchases on this card will be covered for 120 days against damage or theft, up to $10,000 per claim with an annual deductible limit of $50,000.  

Return Protection - If you buy something and the store won't take it back, you'll be reimbursed for eligible items within 90 days of the purchase. This benefit is limited to up to $500 per item, with an annual limit of $1,000. 

Extended Warranty Protection - The extended warranty benefit adds an additional year to the manufacturer's warranty for items with an eligible warranty of three years or less. This is a great way to get additional protection on appliances, such as washing machines, or more specifically, Samsung refrigerators that have difficulty making ice right after the manufacturer warranty ends. 

Chase Offers - This isn't listed as an official benefit, but it should be. From 10% off at BarkBox for dog toys to 5% off at Airbnb, Chase is competitively adding offers all the time. Be sure to log into your Ultimate Rewards account and check for and activate new offers because it pays to take advantage of the savings!

Ultimate Reward Shopping Portal - The Chase Ultimate Rewards shopping portal is a great way to earn bonus Ultimate Rewards points on all purchases. From 7X additional points per dollar at Lululemon to 2X points per dollar at Apple, it can pay to take a minute to log into your Chase account before buying anything online. So, how does this work? Simply log into your Ultimate Rewards account, scroll down to "stores," and search for your favorite store. From there, you just click the link and go shopping as usual. The bonuses for each store will vary and can change depending on the current promotion. Let's say the portal offers 7X on Lululemon, and you buy two pairs of Wunder Under Leggings at $98 and The Reversible Mat 5mm (Yoga mat) at $78 (we'll ignore taxes to keep it simple). The total is $274 x 7X + 1X (from your card) = $274 x 8X. That totals 2,192 Ultimate Reward points, worth $32.88 in the Ultimate Rewards portal ($43.84 based on our valuation of 2.0 CPP). At $32.88, that is 12% "back" on your purchase. Where else can you find a way to essentially save 12% at Lululemon?

The Build: An Elegant Metal Card

The card itself is crafted out of a substantial metal featuring tap-to-pay. However, it isn't quite as thick and heavy as The Platinum Card from American Express, the American Express Gold Card, or the Chase Sapphire Preferred® Card. The Chase Sapphire Reserve weighs in at a respectable 13 grams. Now that you know what the card's main benefits are and what you physically get let's dive into the numbers to make sure the math behind this card's benefits vs. annual fee works for you.

Value Proposition & Data Analysis

At the Point Passport, we like to make the value proposition of the cards we review easy to understand. To do that, we break down the value into two parts: the initial sign-up and the sustaining costs that occur yearly.

Phase 1 - The Bonus Offer

With a current welcome bonus of 80,000 Membership Rewards, and based on an Ultimate Rewards Points value of $0.02/point, the value is as follows:

75,000 Ultimate Rewards Points Welcome Bonus x $0.02 = $1,500

First-Year Benefits:

$300 annual travel credit

$100 Global Entry or TSA Pre✓® credit

$400 Total First-year Benefits

Sign Up Bonus + Annual Benefits - Annual Fee = Net Cost

75,000 Ultimate Rewards Points Welcome Bonus: $1,500 welcome bonus + $400 first-year benefits - $550 annual fee = $1,350 Net Value

Phase 2 - After the Bonus Offer (Year 2+)

2nd Year Benefits:

$300 annual travel credit

$300 total annual benefits

Annual Benefits - Annual Fee = Net Value/Cost

$300 second year (and beyond) benefits - $550 annual fee = -$250 Net Annual Fee

Now let's assume you plan to use this card for some food and groceries each year. If you spend $1,200/year ($100/month) on dining out or takeaway from restaurants, you'll earn:

$1,200 x 3x Ultimate Rewards Points = 3,600 Ultimate Rewards Points

Those 3,600 Membership Reward Points are worth approximately $72. So updating our formula, we find:

Annual Benefits + Earned Membership Rewards Points - Annual Fee = Net Value/Cost

$1300 second year (and beyond) benefits + $72 in Membership Rewards Points - $550 annual fee = -$178 Net Annual Fee

Depending on your spending patterns, this may or may not make sense for you, but it's quite easy to come out ahead every year, even if you don't necessarily use all of the benefits. Let's visit that idea. What would it take to break even if you ONLY use the $300 travel credit?

$550 annual fee - $300 annual travel credit = $250 annual cost

In 2019, data from the U.S. Bureau of Economic Analysis found that the average Californian spent $3,295 per person dining out. You can check out this Business Insider article to see what the average spend was for your state. Let's assume you pick up the tab for you and your significant other, resulting in 2 people x the $3,295 CA average. That's $6,590 in annual dining-out expenses. Using the Chase Sapphire Reserve for those charges, you'll earn 3 x $6,590 = 19,770 Chase Ultimate Rewards points. That works out to be worth $0.015x x 19,770 = $296.55 inside the Chase Ultimate Rewards portal (this factors in your 50% bonus when used for travel inside the portal). If you're getting a $0.02/Ultimate Reward point (typically earned by transferring points to travel partners), that works out to $0.02x x 19,770 = $395.40 in travel value. Regardless of which way you choose to redeem these points, just by having an average dining spend for a California couple, you'd walk away with: $300 travel credit + $296.55 in points - $550 = $46.55 annual value. Remember, this assumes you don't use the card for anything else in life, but trust us, you will!

Editor's Note: Our valuation is based on our ability to use travel transfer partners to get a valuation of 2.0 CPP (Cents Per Point) or greater (>$0.02). We've consistently been able to redeem Chase Ultimate Rewards points for at least this value and have been able to get well over 3.0 CPP. Inside the Chase Ultimate Rewards Travel Portal, you'll find that Chase will let you redeem them for a value of 1.5 CPP, or $0.015/UR point. Don't worry; we're here to help you learn to maximize your points for far more value than that!

Learn More About the Chase Sapphire Reserve®

Unlock The Chase Ultimate Rewards Ecosystem

One aspect of Chase's Ultimate Rewards, which uniquely sets it apart from American Express Membership Rewards, is transferability within the ecosystem. The Chase Sapphire Reserve holds the keys to the Ultimate Reward point maximization kingdom. Any Ultimate Rewards points earned, whether from the no-annual-fee Chase Freedom Unlimited®or from the Chase Business Ink, can be transferred to a Chase Sapphire Reserve Ultimate Rewards account. This transfer can be between your Chase cards or from a household member's cards. The ability to earn reward points on a no-annual-fee "cash back" card and then obtain an additional 50% in value or transfer them to a travel transfer partner for a first-class ticket is simply unheard of outside of Chase. Let's take a quick look at how we can supercharge the earning power of some less expensive cards by transferring them to the Chase Sapphire Reserve and redeeming them inside the Ultimate Rewards travel portal:

• Chase Ink Business Unlimited ($0 AF)+ Chase Sapphire Reserve

  • 1.5X on all purchases + Chase Sapphire Reserve 50% bonus = 2.25X effective earnings

• Chase Ink Business Cash ($0 AF)+ Chase Sapphire Reserve

  • 5X on bonus categories purchases + Chase Sapphire Reserve 50% bonus = 7.5X effective earnings

• Chase Ink Business Preferred ($95 AF)+ Chase Sapphire Reserve

  • 3X on travel and other select business categories + Chase Sapphire Reserve 50% bonus = 4.5X effective earnings

• Chase Freedom Unlimited®($0 AF)+ Chase Sapphire Reserve

  • 1.5X on all purchases + Chase Sapphire Reserve 50% bonus = 2.25X effective earnings

• Chase Sapphire Preferred® Card ($95 AF) + Chase Sapphire Reserve

  • 2X on travel and dining + Chase Sapphire Reserve 50% bonus = 3X effective earnings

Now that we've looked at how powerful the Chase Sapphire Reserve is inside the Ultimate Rewards portal, let's get you a first-class plane ticket to London!

Learn More About the Chase Sapphire Reserve®

Chase Travel Transfer Partners

An in-depth review of the Chase Sapphire Reserve wouldn't be complete without mentioning the vast Chase travel transfer partners. We often get asked how to make eating a meal at our favorite Sushi restaurant and turn it into first-class round-trip tickets to London on British Airways. While nothing worth having (or experiencing!) is "easy," Chase's travel partners make it less painful. 

While the Chase Sapphire Reserve’s Ultimate Reward points are worth 1.5 CPP (Cent Per Point) inside the Ultimate Reward portal when booking travel, you can get well over 2.0 CPP or more by leveraging these transfer partners. From Aer Lingus to Virgin Atlantic Flying Club for airlines and Hyatt to Marriott, these points can transfer at a ratio of 1:1. Let's use British Airways as an example. While you could get the British Airways Visa Signature card, you'd only earn 3X Avios miles per dollar spent on British Airways, Aer Lingus, or Iberia plane tickets and 1X on everything else. With the Chase Sapphire Reserve, you'll earn 3X Ultimate Reward points on all travel, dining, and even online via the Ultimate Rewards shopping portal. Then, when you find an excellent award redemption on British Airways, you can simply transfer the points from your Ultimate Rewards account to your British Airways Executive Club account and book your flights. Typically, you'll be able to maximize your points by redeeming them for first and business-class international flights and luxurious hotels. Earning points in a central "points currency," such as with Ultimate Rewards, allows you to move your points to travel partners where and when you need them, rather than being locked into one airline alliance or hotel brand. One caveat, however, is that once you transfer the points out of Chase Ultimate Rewards, you won't be able to move them back. Always be careful and take the time to double-check the number of points that you're moving. Below is a full list of Chase's current travel transfer partners:

Chase Airline Transfer Partners

Note: the minimum transfer is 1,000 Chase Ultimate Rewards points at a ratio of 1:1. Most of these will transfer instantly. Flying Blue will take approximately 1 hour, and Singapore KrisFlyer may take up to 1-2 days to post to your KrisFlyer account, so please keep that in mind when redeeming with an airline partner. 

• Aer Lingus AerClub

• British Airways Executive Club

• Flying Blue Air France and KLM

• Emirate Skywards

• Iberia Plus

• JetBlue

• Singapore Airlines Krisflyer

• Southwest Airlines Rapid Rewards

• United Airlines MileagePlus

• Virgin Atlantic Flying Club

Chase Hotel Transfer Partners

Note: the minimum transfer is 1,000 Chase Ultimate Rewards points at a ratio of 1:1. Transfers IHG Rewards Club may take up to 1 day, to Marriott Bonvoy may take up to 2 days, and to the World of Hyatt will be almost instantaneous. 

• IHG Rewards Club

• Marriott Bonvoy

• World of Hyatt

Chase 5/24 and 48-Month Sapphire Card Requirements

You may have heard of something referred to as the "Chase 5/24". Essentially Chase implemented this policy unofficially to limit consumers from "churning" credit cards. Churning is where someone signs up for the credit card bonus and cancels before the next annual fee hits. So, to prevent this, Chase will check your credit when you apply to make sure you don't have more than five credit cards in the past 24 months, which has become to be known as "Chase 5/24.” For all the details on the Chase 5/24 policy, check out our post "Chase 5/24: What You Need to Know."

In addition to the 5/24 policy, Chase requires that you don't have a Sapphire card product and haven't received a new card member bonus for any Sapphire card in the past 48 months. This requirement effectively means that you should plan out your Sapphire card strategy so that you're maximizing taking advantage of the new card member bonuses once every 48 months. As a premium card, Chase is also looking to ensure you have an excellent credit score. Now you know exactly what you'll need to add this incredible card to your wallet!

Chase Sapphire Reserve Authorized Users

With the abundance of benefits, there's no doubt that you might consider adding an authorized user to your account. As with most premium credit cards, there's a fee for doing so. This authorized user will run you $75 per year in addition to the annual fee, but the authorized user does receive some of the same benefits.

The authorized user's charges will earn 3X points on travel, 3X points on dining, 10X points on Lyft, and 1X on everything else. In addition, the authorized user will receive their own Priority Pass, giving them access to the same global network of lounges as the primary cardholder. It's worth noting that adding an authorized user won't increase the number of credits, such as travel or DoorDash credit. The account will have the same total of $300 for travel and $60 per year for DoorDash. Prior to adding your prospective authorized user to your account, consider having them apply for a different Chase card, such as the no annual fee Chase Freedom Unlimited® to earn 1.5X Ultimate Reward points, and then transfer them over to the Chase Sapphire Reserve's account. If you and your authorized user travel together and dine together often, it doesn't make much sense, value-wise, to spend the extra $75 annually when the main cardholder can pick up most of the tabs. There are many strategies with the numerous options Chase offers, which is why we've found Ultimate Rewards to be the most flexible points ecosystem available!

Final Point

The Chase Sapphire Reserve is a card we currently have at the top of our wallet and consistently recommend to our closest friends and family, year after year. This card is well suited for those who spend a decent amount on traveling and enjoy dining out. Chase's king of cards is rivaled only by The Platinum Card from American Express. Still, the Chase Sapphire Reserve offers a much more well-rounded option for those who enjoy the simplicity of earning 3X points on bonus categories and having an easy redemption inside the Chase Ultimate Reward portal for an additional 50%. That's the equivalent of "4.5% back on travel and dining". If you want to maximize the Ultimate Rewards point value, the Chase Sapphire Reserve also unlocks the door to a vast network of travel partners for all Chase cards. 

The Chase Sapphire Reserve's annual fee might seem steep initially, but after looking at the statement credits and benefits, we found that the first-year value is a massive $1,350. After that, the recurring annual value continues to yield an adjusted annual fee of $250 when you factor in the $300 annual travel credit(assuming you don't use the card for anything). The Ultimate Rewards earning rate will easily offset any benefit that you find less valuable, thereby putting the Chase Sapphire Reserve perfectly at the top of the premium travel cards!

This card will make logical sense for people traveling a few times a year with the $300 annual airline credits, 3X Ultimate Rewards Points for travel, and dining, the primary auto rental policy, comprehensive trip insurance, and baggage insurance. After running the math and analyzing the data, the new cardmember bonus more than offsets the annual cost in the first year, and the Chase Sapphire Reserve has proven to bring value for years to come. If you spend an average amount on dining and travel, the Chase Sapphire Reserve is an excellent, well-rounded card that makes earning and redeeming points easy and simple. When you're ready to increase your points maximization, you can use Chase Sapphire Reserve's travel transfer partners to elevate your travel experience. You'll be able to enjoy first-class luxuries by merely optimizing the money you're already spending on everyday living. We're able to get so much value from the Chase Sapphire Reserve that we've held it for years and plan to keep it at the top of our wallets for years to come!

Learn More About the Chase Sapphire Reserve®

Next Steps

If you've decided to apply for the Chase Sapphire Reserve after reading this in-depth review, please consider supporting Points Passport by using the link below to learn more at our partner's site, CreditCards.com. Once you scroll down to the Chase Sapphire Reserve, you'll be taken directly to Chase's secure application page.

Learn More About the Chase Sapphire Reserve®

If the annual fee for the Chase Sapphire Reserve is a bit steep for you, the Chase Sapphire Preferred® Card is worth considering, with a MUCH lower annual fee of $95! Check out our deep dive into the Chase Sapphire Preferred! 

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.