Last updated: 11/30/2022

Chase Sapphire Reserve

Earns: Chase Ultimate Rewards


Pricey but powerful, this is one of the very best cards for high spenders and frequent travelers: It earns valuable Chase Ultimate Reward points, nets 3x points when you use it for travel and dining, and comes with a slew of other perks. The automatic $300 credit on travel spending cancels out most of the large annual fee.

This card is best for:

  • Dining
  • Travel

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Here’s how much you would earn with this card

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  • Great earnings for dining and travel, 3 points per dollar. Earns valuable and flexible Chase Ultimate Rewards.
  • $300 annual travel credit offsets much of the annual fee.
  • Tons of additional perks.


  • $550 annual fee.

See how the Chase Sapphire Reserve compares to other credit cards

Chase Sapphire Reserve Other Cards

Hover the dots to view other Credit Cards

Reward Rate = 3x

Value = 1.8 cents per point
Effective Value = 5.4 %


Reward Rate = 3x

Value = 1.8 cents per point
Effective Value = 5.4 %


Reward Rate = 1x

Value = 1.8 cents per point
Effective Value = 1.8 %


Welcome Bonus = 60,000

Value = 1.8 cents per point
Effective Value = $1080


Annual Fee = $550

Welcome Bonus


Bonus Rating


In the top 15% of cards.


After you spend $4,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
3x Travel




In the top 15% of cards.

3x Dining




In the top 15% of cards.

10x Lyft




In the top 15% of cards.

1x All Other

Very Good

very good

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Chase Ultimate Rewards
Gigapoints Value
1.8¢ per point
Other Card Information

$75 annual fee for each additional authorized user.

Annual Fee
  • $550
Additional Credits
$300 Travel

$300 annual credit for travel expenses

Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

5x – 10x Bonus Points

Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards(R) immediately after the first $300 is spent on travel purchases annually.

Global Entry or TSA Pre✓® Fee Credit

Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card.

Complimentary Airport Lounge Access

Rest and revive before your flight at one of the 1,000+ VIP lounges in over 500 cities worldwide after an easy, one-time enrollment in Priority Pass™ Select.

The Luxury Hotel & Resort CollectionSM

Enjoy special benefits at a variety of hand-selected top hotels and resorts worldwide such as complimentary room upgrades, early check-in and late check-out.

50% more in travel redemption

Get 50% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel.

24/7 direct access to Customer Service Specialists

Count on 24/7 direct access to a dedicated customer service specialist from anywhere in the world.

Lyft Pink

Enjoy benefits like preferred pricing, priority airport pickups, exclusive offers, and more with one year of complimentary Lyft Pink. Activation required.

Door Dash Credit and Subscription

Up to $60 a year in DoorDash statement credits through 2021. Also enjoy a complimentary DashPass, DoorDash’s subscription service that provides unlimited restaurant deliveries with a $0 delivery fee and reduced service fees on orders over $12, for a minimum of one year. Activation required.

The Fine Print

PURCHASES APR 19.24% – 26.24%
BALANCE TRANSFER FEE Either $5 or 5% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 27.24% Variable
CASH ADVANCE FEE Either $10 or 5% of the amount of each transfer, whichever is greater.