Chase Sapphire Reserve Card overview
The Chase Sapphire Reserve® (see charges and charges) is without doubt one of the finest rewards bank cards of all time. This card earns extremely useful Final Rewards factors that may be transferred to lodge and airline companions or redeemed to e-book journey via Chase Journey℠ at a price of as much as 2 cents per level, relying on the cardboard and the particular redemption (see your rewards program settlement for full particulars). Add in a number of assertion credit, an annual journey credit score, airport lounge entry and a litany of different perks, and this card is assured to improve your journey life-style. Card score*: ⭐⭐⭐⭐½
*Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Chase Sapphire Reserve, one of many prime premium rewards bank cards, has undergone a significant refresh, together with a brand new card design that weighs in at 19.6 grams. The refresh introduced further assertion credit, modified earnings, different new advantages and a forty five% annual price improve from $550 to $795.
Chase Sapphire Reserve® — Earn 100,000 bonus factors plus a $500 Chase Journey℠ credit score after spending $5,000 on purchases within the first three months from account opening (see charges and charges).
This annual price is $100 greater than that of The Platinum Card® from American Categorical ($695 annual price; see charges and charges) and $400 greater than that of the Capital One Enterprise X Credit score Card ($395 annual price) — although this may nonetheless be price it given the slew of advantages it gives.
We advocate a credit score rating of at the very least 670, but it surely’s not extraordinary to get accredited with a decrease rating. If you need premium advantages, the Sapphire Reserve might nonetheless be an ideal choice for you, even with its steep annual price.
Let’s take a look at the options that proceed to make it such a pretty journey bank card and one which has earned a everlasting spot in lots of TPG staffers’ wallets.
Chase Sapphire Reserve professionals and cons
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Chase Sapphire Reserve welcome supply
Proper now, new candidates for the Chase Sapphire Reserve can earn a welcome bonus of 100,000 factors plus a $500 Chase Journey credit score after spending $5,000 within the first three months from account opening.
Observe that the phrases for the journey credit score state: The promotional credit score is legitimate for a one-time use solely, in the event you apply the promotional credit score to a transaction lower than $500, you’ll forfeit the remaining stability.
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TPG’s June 2025 valuations peg Chase Final Rewards factors at 2.05 cents apiece, making the present welcome bonus price as much as $2,550. This might cowl the annual price of $795 greater than 3 times.
That is the best-ever welcome supply we have seen on this card, making now the proper time to use.
Nevertheless, it is necessary to maintain Chase’s software restrictions in thoughts, particularly concerning the Sapphire playing cards. Due to Chase’s 5/24 rule, you may wish to apply for Chase playing cards first earlier than turning to different issuers. That is why choosing the right Sapphire product to your state of affairs is vital.
Whilst you can maintain each the Chase Sapphire Most popular® Card (see charges and charges) and the Sapphire Reserve, in the event you’ve acquired a bonus on a Sapphire product prior to now, you are doubtless now not eligible for a bonus on that very same card once more.
When making use of, earlier than you submit your software, a pop-up will let you know in the event you’re eligible for a welcome bonus.
Associated: The very best welcome gives of the month
Chase Sapphire Reserve advantages
The Chase Sapphire Reserve has myriad advantages that enchantment to vacationers. It is necessary to notice that with this refresh of the Sapphire Reserve, present cardholders won’t have entry to any new advantages and perks till Oct. 26.
Annual journey credit score
One of many greatest perks of the cardboard is the $300 annual journey credit score. Chase will mechanically credit score your account $300 if you use it to make eligible purchases, which cowl a extensive number of journey suppliers:
Retailers on this [travel] class embrace airways, resorts, motels, timeshares, automobile rental companies, cruise strains, journey companies, low cost journey websites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking heaps and garages.
This perk alone lowers your efficient annual price to only $495.
The most effective issues about this credit score is how versatile it’s. It might probably cowl a wide range of journey purchases as much as $300, together with airline tickets, lodge reservations, cruise reservations and far more. It is a favourite perk of many TPG staffers who’ve the Sapphire Reserve.
Different assertion credit
The Sapphire Reserve additionally comes with a mess of different helpful life-style assertion credit. These embrace:
- As much as $500 in annual The Edit credit score: Cardholders obtain $250 biannually to make use of on The Edit through Chase Journey reserving. This credit score has me intrigued, as I can nonetheless earn and obtain lodge loyalty standing advantages despite the fact that I am reserving via an on-line journey company. I have a tendency to remain at Marriott properties more often than not, and lots of are on The Edit, so it is going to be good that I can use this credit score to cowl my keep. Plus, my Titanium Elite standing advantages would doubtless kick in and earn me elite nights and factors.
- As much as $300 in annual StubHub and Viagogo credit score: Cardholders obtain as much as $150 biannually to make use of on occasion tickets at StubHub. I would simply use this perk, as I attend a number of concert events and sporting occasions annually, and StubHub is without doubt one of the largest on-line ticket platforms.
- As much as $300 in annual eating credit score at Open Desk: Cardholders obtain prime-time reservations at Sapphire Reserve Unique Tables; no prepayment or cost via Open Desk is required.
- As much as $300 in annual promos with DoorDash: Cardholders obtain as much as $25 in month-to-month promos with two $10 nonrestaurant promos and one $5 restaurant promo. Plus, obtain a complimentary DashPass membership for at the very least one 12 months, price $120, and revel in $0 supply charges and decrease service charges on eligible orders. (Should activate by Dec. 31, 2027.)
- As much as $250 yearly in complimentary Apple TV+ and Apple Music subscriptions: This perk alone has me contemplating making use of for the cardboard, given I already pay for and use these providers day by day. Apple Music has over 33 million subscribers within the U.S., so this must be one of many simpler credit for many cardholders to make use of. (One-time activation per service via chase.com or the Chase Cellular app required.)
- Up to $120 in annual in-app Lyft credit: Cardholders obtain as much as $10 every month; the credit score doesn’t apply to Wait & Save, bike or scooter rides. (By way of Sept. 30, 2027.)
- As much as $120 in International Entry, TSA PreCheck or Nexus credit score: Cardholders obtain an software price credit score each 4 years. My choose is International Entry because it consists of PreCheck, in order that’s the very best worth to your cash.
- As much as $120 in Peloton credit score: By way of Dec. 31, 2027; activation required.
Should you totally use all of those credit and advantages, the worth you may get totals over $2,000.
Lounge entry
Sapphire Reserve cardholders get entry to Chase Sapphire Lounges and Precedence Go lounges (excluding eating places) for themselves and as much as two visitors. There are at the moment eight Sapphire lounges, with three extra lounges set to open.
Moreover, cardholders obtain entry to over 20 Air Canada Maple Leaf lounges when touring on a Star Alliance airline.
Licensed customers obtain the identical airport lounge entry on their very own, although you may pay an additional annual price of $175 for every further cardholder.
The Precedence Go community consists of over 1,700 lounges, each within the U.S. and overseas.
Resort advantages
Sapphire Reserve cardholders will obtain computerized IHG One Platinum elite standing via Dec. 31, 2027. This standing tier comes with perks like 60% bonus factors on IHG stays, complimentary upgrades (topic to availability), early check-in, 2 p.m. late checkout (topic to availability) and Hertz 5 Star standing.
Moreover, when reserving a lodge through The Edit, cardholders will obtain a $100 property credit score and advantages like free breakfast.
Visa Infinite perks
As a result of the Sapphire Reserve is a Visa Infinite card, you may obtain the perks that come together with this system. Highlights embrace major rental automobile insurance coverage, journey cancellation and delay protection, misplaced baggage reimbursement, a concierge service, and entry to the Luxurious Resort Assortment.
Moreover, when overseas, you may pay no overseas transaction charges.
Unlockable advantages
Moreover, Reserve cardholders will be capable to unlock much more premium advantages after spending $75,000 or extra in a calendar 12 months. These advantages embrace:
- IHG Diamond standing
- Southwest Airways A-Record standing
- $500 Southwest assertion credit score (flights should be booked via Chase Journey)
- $250 annual The Outlets credit score (The Outlets is an internet market from Chase the place you should utilize your factors to purchase gadgets from in style manufacturers like Dyson and Sony)
Whereas these advantages are good in the event you can spend $75,000 in your card organically, I would not exit of my option to meet the spending requirement. You possibly can qualify for IHG Diamond standing by staying 70 nights at IHG resorts or spending $40,000 on an IHG bank card. In the meantime, to qualify for Southwest A-Record standing, you simply must take 20 one-way flights or earn 35,000 tier qualifying factors.
Relying on what resorts and flights you e-book, each of those choices might work out to be lower than the $75,000 in spending wanted to unlock these advantages on the Chase Sapphire Reserve.
Moreover, in the event you can meet the spending requirement, the additional assertion credit are good, however once more, I would not exit of my option to attempt to earn them.
Associated: The ability of the Chase Trifecta: Maximize your earnings with 3 playing cards
Incomes factors on the Chase Sapphire Reserve
Moreover the welcome bonus, the Sapphire Reserve’s bonus-earning classes may also assist construct your Final Rewards stability. You will earn:
- 10 factors per greenback spent on Peloton gear and accent purchases (via Dec. 31, 2027) of $150 or extra, with a most of fifty,000 factors (a 20.5% return primarily based on TPG’s June 2025 valuations)
- 8 factors per greenback spent on purchases made via Chase Journey, together with The Edit (a 16.4% return)
- 5 factors per greenback spent on Lyft rides via Sept. 30, 2027 (a ten.25% return)
- 4 factors per greenback spent on flights and resorts booked immediately (an 8.2% return)
- 3 factors per greenback spent on eating worldwide (a 6.15% return)
- 1 level per greenback spent on all the pieces else (a 2.05% return)
Moreover, in July, Chase will launch Chase Trip Houses, which is able to earn 8 factors per greenback spent.
Observe that you simply will not earn any factors on the primary $300 spent on direct flights and lodge purchases or purchases made via Chase Journey every cardholder 12 months, as that may set off the cardboard’s $300 journey credit score.
Beforehand, this card provided 3 factors per greenback spent on all journey purchases. Whereas I just like the addition of 4 factors per greenback spent on flights and resorts booked immediately, not having a bonus class for basic journey purchases stings as Chase broadly defines journey and beforehand included issues like parking and tolls.
These are nice earnings charges on eating, Chase Journey purchases, and resorts and flights booked immediately, however you would possibly think about pairing this card with the Chase Sapphire Most popular, as now you can maintain each Sapphire playing cards. This pairing would earn 4 factors per greenback spent on most flights and resorts, 3 factors per greenback spent on eating, and a pair of factors per greenback spent on basic journey purchases.
Associated: Is the Chase Sapphire Reserve definitely worth the annual price?
Redeeming factors on the Chase Sapphire Reserve
The flexibility to redeem rewards with companions is without doubt one of the most necessary points of a journey rewards bank card, and that is positively the case with the Sapphire Reserve. Should you switch your factors to certainly one of Chase’s 14 journey companions, there’s potential for some wonderful redemptions (extra on that later).
Nevertheless, you possibly can redeem your factors in different methods, too, similar to for money again, present playing cards, or eating and experiences via the Final Rewards portal at a price of 1 cent per level. Or, you possibly can cowl eligible purchases at the next worth via Chase Pay Your self Again.
These redemption strategies present much less worth than transferring your factors to companions, so I do not advocate utilizing your factors this fashion.
You may as well redeem factors to e-book journey via Chase Journey. With the current refresh, we have seen some modifications to redeeming factors via Chase Journey, together with a brand new characteristic: Factors Increase. Factors can be utilized to e-book journey via Chase Journey at a price of as much as 2 cents per level, relying on the cardboard and the particular redemption (see your rewards program settlement for full particulars).
The redemption charges range primarily based on rotating gives on completely different flights and resorts. The airways will range and alter over time, however from the beginning, it seems that the airways eligible for Factors Increase are all switch companions of Chase. Listed below are some issues to learn about Factors Increase:
- Beforehand, Reserve cardholders might redeem factors for 1.5 cents every.
- You possibly can redeem factors at 2 cents per level on premium airfare booked via Chase Journey and resorts booked via The Edit.
- For cardholders accredited earlier than June 23, 2025, all factors earned earlier than Oct. 26, 2025, will be redeemed at 1.5 cents per level through Chase Journey whatever the airfare class or lodge property or at as much as 2 cents with Factors Increase. The upper redemption price will mechanically be chosen for you.
- Cardholders accredited after June 23, 2025, will solely have entry to Factors Increase.
- After Oct. 26, 2027, factors will be redeemed for 1 cent every for all Chase Journey purchases that do not qualify for Factors Increase.
- Fundamental economic system flights aren’t eligible for Factors Increase.
Associated: From worldwide enterprise class to home journey: The very best Chase Final Rewards candy spots
Transferring factors on the Chase Sapphire Reserve
Once more, essentially the most useful use of your Chase Final Rewards factors is to switch them to certainly one of Chase’s 14 airline and lodge switch companions, together with useful choices like British Airways Membership, Air Canada Aeroplan and Southwest Airways Fast Rewards.
For instance, I like to switch my factors to World of Hyatt. Only recently, I transferred 30,000 factors to Hyatt to remain on the Hyatt Centric The Liberties Dublin over St. Patrick’s Day weekend, when money charges had been upward of $400 per evening.
Associated: Learn how to redeem Chase Final Rewards factors for optimum worth
Which playing cards compete with the Chase Sapphire Reserve?
The Sapphire Reserve’s most pure opponents are one other Final Rewards-earning card with a decrease annual price and the 2 different big-name premium journey bank cards.
- If you need a mid-tier card with a decrease annual price: The Chase Sapphire Most popular is an efficient selection for incomes Chase Final Rewards factors for a decrease annual price of $95. You will get quite a few journey protections and have entry to all the identical lodge and airline companions as you’d with the Sapphire Reserve. To study extra, try our full assessment of the Sapphire Most popular.
- If you need a premium journey card with a decrease annual price: The Capital One Enterprise X Rewards Credit score Card gives entry to Precedence Go and Capital One lounges for a decrease annual price of $395. You will additionally get pleasure from insurance coverage protections and earn at the very least 2 miles per greenback spent on all purchases and a $300 Capital One Journey credit score annually. To study extra, try our full assessment of the Capital One Enterprise X.
- If you wish to earn Amex Membership Rewards factors: The Amex Platinum gives a ton of useful assertion credit each calendar 12 months and has a decrease annual price of $695. Plus, it gives entry to quite a few lounges, together with the Amex Centurion Lounge community and Precedence Go lounges. Enrollment is required for choose advantages; phrases apply. To study extra, try our full assessment of the Amex Platinum.
For added choices, try our full checklist of finest journey bank cards and finest Chase bank cards.
Associated: Chase Sapphire Most popular vs. Sapphire Reserve: Do you have to go mid-tier or premium?
Backside line
The Chase Sapphire Reserve has been revamped with an elevated annual price, however with a number of added advantages and assertion credit that many will be capable to get nice worth from. Even with the 45% annual price improve, in the event you worth premium journey advantages, lounge entry and numerous lifestyle-related assertion credit, the Chase Sapphire Reserve might make an ideal addition to your pockets.
Apply right here: Chase Sapphire Reserve with 100,000 bonus factors and a $500 Chase Journey credit score after spending $5,000 on purchases within the first three months from account opening.
For charges and charges of the Amex Platinum Card, click on right here.
For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and should range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
