Apply for a Chase Sapphire Reserve
$550
N/A
20.24% - 28.74% Variable
Earn 60,000 bonus points
Good to Excellent
- Annual travel credit can effectively shave $300 off the annual fee if you use it
- Strong travel insurance
- Strong bonus rewards on travel and dining
- Very high annual fee
If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.
- Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 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
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
- Member FDIC
The Chase Sapphire Reserve® card is one of my favorite credit cards of all time (rates and fees).
It comes with some of the best travel insurance coverage I've ever had, and offers a slew of benefits I use on almost every trip I take.
Here's what I love about this card, and why I still recommend it to friends and family members in 2025.
Chase Sapphire Reserve Overview
In my opinion, the Chase Sapphire Reserve® is one of the TSA Precheck and Global Entry, which includes TSA PreCheck enrollment.
Access to Chase Travel℠ and The Edit by Chase Travel℠
Award travel aficionados have mixed reviews when it comes to booking travel through your credit card company. In many cases, I get the best rates and customer service by booking travel directly through the airline or hotel chain. But from time to time, I use the Chase Travel℠ portal when I don't want to spend any money out of pocket.
Chase Travel℠ works just like any other online travel agency (OTA) — and when I pay with my Chase Sapphire Reserve but use points at checkout, I get a 50% bonus, where each point is worth 1.5 cents instead of the standard 1 point apiece. I typically book travel through Chase Travel℠ when I need to book a direct domestic flight in cash, but don't want to pay for it out of pocket.
Chase Sapphire Reserve Fees
The Chase Sapphire Reserve has an annual fee of $550 and does not charge foreign transaction fees on international purchases, so it's a great option to pack when I travel.
Like most credit cards, it charges fees for late payments, balance transfers, cash advances, and returned payments.
Chase Sapphire Reserve Alternatives
While the Chase Sapphire Reserve is an amazing card for serious travelers, it isn't the only good option by a long shot. Here are three other cards with comparable benefits I also recommend for consideration.
Chase Sapphire Reserve vs. Capital One Venture X Rewards Credit Card
The Capital One Venture X is a relatively new premium card that offers airport lounge access at a significantly lower annual fee compared to the Chase Sapphire Reserve: just $395 a year.
Cardholders get access to both Priority Pass and how we rate credit cards at Business Insider for more details on our methodology.
FAQs
What credit score do you need to get the Chase Sapphire Reserve?
You'll typically need a credit score of at least 670 to get the Chase Sapphire Reserve. Most people who are approved for the Chase Sapphire Reserve have a credit score in the good to excellent range, meaning a FICO score of at least 670. You need a credit score above 700 to open most travel credit cards.
Is the Chase Sapphire Reserve card worth it?
The Chase Sapphire Reserve is worth it if you're a frequent traveler who will maximize the card's credits and benefits. A frequent traveler can easily save $1,000 per year with the card. But if you don't think you'll be able to use these benefits, you'll likely do better with the Chase Sapphire Preferred.
Who is the Chase Sapphire Reserve good for?
The Chase Sapphire Reserve is good for frequent travelers who can make the most of its benefits, especially the annual travel credit and airport lounge access. If you won't book paid travel through Chase and don't travel through airports with Priority Pass lounges, you might want to consider a different, less expensive, travel card.
Is the Chase Sapphire Reserve hard to get?
The Chase Sapphire Reserve is only hard to get if you meet the following criteria: You have opened five or more cards in the past 24 months from any bank (excluding most small-business credit cards), known as the Chase 5/24 rule; you currently hold any flavor of Chase Sapphire card; or your credit score is below 670. You won't be eligible for its bonus if you've received a Sapphire bonus within the past 48 months.
How do I add an authorized user to my Chase Sapphire Reserve?
You can add an authorized user to your Chase Sapphire Reserve through your online account. There's a $75 fee for each authorized user, but they'll get their own Priority Pass Select membership and get access to travel insurance and other benefits when they use their card.
