The Chase Sapphire Reserve® (see charges and costs) expenses a hefty $795 annual charge — so is it value including to your pockets? For vacationers who worth luxurious perks, it is possible value it.
The Sapphire Reserve delivers distinctive worth to these prepared to maximise its advantages. Nonetheless, budget-minded vacationers could not admire what the cardboard has to supply.
Proper now, new candidates can earn a welcome bonus of 100,000 factors plus a $500 Chase Journey℠ promo credit score* after spending $5,000 within the first three months from account opening.
This bonus is value as much as $2,550 per TPG’s July 2025 valuations of Chase factors, and is a wonderful option to gather a piece of factors upfront.
This is who would possibly — and may not — wish to add the Chase Sapphire Reserve to their pockets.
*The promotional credit score is legitimate for a one-time use solely; when you apply the promotional credit score to a transaction lower than $500, you’ll forfeit the remaining steadiness.
Who ought to get the Chase Sapphire Reserve?
Let’s discover why chances are you’ll wish to add the Chase Sapphire Reserve to your pockets.
You spend so much on journey
The Sapphire Reserve gives a $300 annual journey credit score. This credit score could be very versatile and routinely applies to the primary $300 spent on journey with the cardboard.
Journey is a broadly outlined class on the Sapphire Reserve, so it is simple for frequent vacationers to make use of.
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You worth lounge entry
The Sapphire Reserve grants entry to Chase Sapphire Lounges and greater than 1,700 Precedence Go lounges for cardholders and as much as two visitors at no cost. When touring with a Star Alliance airline, cardholders additionally obtain entry to greater than 20 Air Canada Maple Leaf lounges.
In the event you fly regularly in or out of an airport with a Chase lounge or worth Precedence Go membership, this card is the ticket.
You need luxurious lodge perks
Sapphire cardholders additionally obtain entry to The Edit by Chase Journey, Chase’s luxurious lodge assortment. This program is just open to those that maintain a Sapphire Reserve or J.P. Morgan Reserve® Card.
The knowledge for the J.P. Morgan Reserve Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
If you do not have elite standing with widespread packages reminiscent of Marriott Bonvoy or Hilton Honors — otherwise you wish to keep at boutique properties exterior of those packages and nonetheless obtain perks — The Edit properties present comparable advantages like complimentary breakfast, early check-in, late checkout and complimentary upgrades (when out there). Plus, the Sapphire Reserve gives as much as $500 yearly in The Edit credit.
In the event you get pleasure from staying at IHG properties, this card additionally gives computerized IHG One Platinum elite standing (via Dec. 31, 2027).
You wish to maximize redeeming your factors
Sapphire Reserve cardholders are eligible to redeem Chase factors via the Chase Journey portal with the Factors Increase accelerator. With Factors Increase, you possibly can redeem your Chase factors for choose lodge bookings and flights via Chase Journey at a price of as much as 2 cents per level. (This is determined by the redemption you select; see your rewards program settlement for full particulars.)
With Factors Increase, we have seen motels close to Disneyland for simply 17,000 Chase factors an evening — as an alternative of 57,000 Marriott Bonvoy factors.
You are keen to e-book via a portal to earn double the factors
In the event you’re open to reserving with the Sapphire Reserve via the Chase Journey portal, you will earn 8 factors per greenback on these purchases. That is double the return you’d obtain with the cardboard on flight or lodge bookings made instantly with the airline or property (4 factors per greenback spent).
If you do not have elite standing or loyalty to a specific airline or lodge, reserving with the portal may show you how to earn extra in your reserving.
You’ve got a Chase card that earns money again
Pairing the Sapphire Reserve with a Chase cash-back card is a great option to increase your rewards.
That is as a result of you can switch your factors to one in all Chase’s 14 loyalty program companions if you additionally maintain the Sapphire Reserve. Transferring to companions means that you can unlock the worth of Chase factors at 2.05 cents per level, per TPG’s July 2025 valuations.
When you have a Chase cash-back card — however not one which means that you can switch Chase factors to switch companions such because the Chase Sapphire Most well-liked® Card (see charges and costs), Chase Sapphire Reserve for Enterprise℠ (see charges and costs) or the Ink Enterprise Most well-liked® Credit score Card (see charges and costs) — including the Sapphire Reserve may very well be an excellent possibility.
Some playing cards that pair nicely with the Sapphire Reserve are:
The knowledge for the Chase Freedom Flex has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
You worth robust journey protections
The Sapphire Reserve is an wonderful card for journey and buying protections. The cardboard gives journey cancellation and interruption insurance coverage, baggage delay insurance coverage, buy safety and prolonged guarantee protection.
Associated: The final word information to one of the best bank card combos
Who should not get the Chase Sapphire Reserve?
The Chase Sapphire Reserve is a superb alternative for a lot of vacationers, nevertheless it is not for everybody. Listed below are some causes this card is probably not preferrred for you.
You not often journey
The Sapphire Reserve is designed for frequent vacationers. Its versatile annual journey credit score and a number of assertion credit towards travel-related purchases are geared towards them. Plus, when you do not want airport lounge entry since you aren’t flying a lot, the Sapphire Reserve possible is not the cardboard for you.
You like money again
The Sapphire Reserve earns Chase Final Rewards factors for spending. In the event you’d desire cash-back rewards, apply for a card that earns money again as an alternative.
You will not maximize many of the assertion credit
The Sapphire Reserve comes with a protracted listing of assertion credit for a number of sorts of spending. This contains as much as $300 in annual StubHub and Viagogo credit via Dec. 31, 2027 ($150 biannually), as much as $300 in annual eating credit with Sapphire Reserve Unique Tables and as much as $300 in annual promos with DoorDash via Dec. 31, 2027.
Maximizing these credit is a sure-fire option to get the complete worth out of the cardboard in change for its excessive $795 annual charge. Nonetheless, when you aren’t fascinated by retaining observe of assertion credit or desire a less complicated card, the Sapphire Reserve is probably not for you.
You presently maintain the Sapphire Most well-liked
The Chase Sapphire Most well-liked Card doesn’t cancel out the Sapphire Reserve by any means, because the playing cards are fairly completely different. The Sapphire Most well-liked does not provide lounge entry and the Sapphire Reserve now not has a normal journey bonus class, so it could make sense to carry each playing cards in some circumstances.
The rationale chances are you’ll not need the Sapphire Reserve when you already maintain the Sapphire Most well-liked is the welcome bonus. As a consequence of Chase’s up to date welcome bonus eligibility necessities, you are unlikely to earn the Sapphire Reserve welcome bonus when you presently maintain the Sapphire Most well-liked.
This might imply lacking out on a major a part of the Sapphire Reserve’s general worth, so chances are you’ll wish to skip the premium card when you’re completely happy along with your Sapphire Most well-liked.
In the event you’re considering of upgrading to the Sapphire Reserve from the Sapphire Most well-liked, you will acquire extra from Factors Increase redemptions — however you’d lose out on the final journey bonus class. Contemplate what you’d acquire and what you’d lose earlier than making the choice.
You have utilized for five or extra playing cards within the final 24 months
Chase’s well-known 5/24 rule restricts those that have opened 5 or extra playing cards within the final 24 months from being accepted for one in all its playing cards.
In the event you’re over 5/24, chances are you’ll wish to contemplate one other premium card till you are again beneath the brink. The Platinum Card® from American Categorical or Capital One Enterprise X Rewards Credit score Card may very well be good choices as an alternative — or you might wait to submit your Sapphire Reserve utility.
As with most premium playing cards, you may additionally have bother qualifying when you’re new to credit score completely.
Backside line
Regardless of its excessive $795 annual charge, the Chase Sapphire Reserve may make a superb addition to the posh traveler’s pockets. That is very true when you’re a frequent traveler who values lounge entry, desires to maximise their factors redemptions and would e-book via the Chase Journey portal typically.
Occasional vacationers, budget-conscious shoppers and those that desire cash-back rewards can be higher with an alternative choice.
To study extra, learn our full evaluation of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
