Home / Browse Cards / Chase Sapphire Reserve®
Chase Sapphire Reserve®
Chase

Chase Sapphire Reserve®

A $795-a-year travel rewards card from Chase.

Transfers to airlines & hotels
Annual fee
$795/yr
Welcome bonus
100,000 Ultimate Rewards® Points
Min spend
$6,000 in 3 months
Recommended credit
Excellent (720+)
Network
Visa
Foreign transaction fee
None
Apply on Chase site8.6/10Our rating · review ›

Rates, fees, and full terms are set by Chase and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Chase application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on travel and dining and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $795 annual fee.

Earning rates

8x Ultimate Rewards® points on Chase Travel purchases
4x on flights and hotels booked directly with the airline or hotel
3x on dining worldwide
1x on all other purchases
Complimentary IHG One Rewards Platinum Elite status (through 2027)
Points Boost: redeem points for up to 2x value on select Chase Travel bookings

Best ways to earn & redeem

Put your travel and dining spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, transfer the points to airline and hotel partners for potential outsized value, or take a flat 1 cent as cash or travel. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

$300 annual travel credit (auto-applied to travel purchases)
Unlimited access to Chase Sapphire Lounge by The Club, plus Priority Pass Select (up to 2 guests)
Global Entry, TSA PreCheck, or NEXUS application fee credit
1:1 point transfer to 14 airline and hotel partners
Primary rental car coverage and trip cancellation/interruption insurance
No foreign transaction fees

Lounge access

Priority Pass Select: unlimited visits to 1,300+ airport lounges worldwide (lounge access only; Priority Pass restaurants ended July 1, 2024)
Unlimited access to Chase Sapphire Lounge by The Club locations
Up to 2 guests free, then $27 per guest, per visit

Statement credits

$300 annual travel credit (auto-applied)
$300 dining credit via Sapphire Reserve Exclusive Tables ($150 semi-annually)
$500 The Edit luxury hotel credit ($250 semi-annually)
$300 StubHub and viagogo event ticket credit ($150 semi-annually)
Up to $300 in DoorDash credits annually ($25 per month), plus complimentary DashPass
Up to $120 Peloton membership credit ($10 per month, through 2027)
Up to $120 Lyft in-app ride credit ($10 per month, through 2027)
Up to $120 Global Entry, TSA PreCheck, or NEXUS credit (every 4 years)
Up to $288 Apple TV+ and Apple Music credit

Transfer partners

Your Ultimate Rewards transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:

Airline partners

United Airlines, Southwest Airlines, British Airways, Air France/KLM, Singapore Airlines, Air Canada, Virgin Atlantic

To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.

Hotel partners

World of Hyatt

You can check the live points price for a specific stay on rooms.aero.

See the full Chase ecosystem, card lineup, and live transfer bonuses →

Alternatives to the Chase Sapphire Reserve®

Pairs well with

The Chase Sapphire Reserve® is a Chase transfer hub. Pair it with these strong Ultimate Rewards earners, whose points pool into it so you can transfer the combined balance.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Chase Sapphire Reserve® lands.

Calculate My Card
Back to all cards