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Compensation does not affect rankings.Full disclosure

Chase Sapphire Reserve
Offer verified 2026-04-09Source: Chase official terms

Chase · Visa

Chase Sapphire Reserve

83 / 100

Annual Fee

$550

After credits: $250

Sign-Up Bonus

$1200

Spend $4,000 in 3mo

Terms apply.

Base Rate

1x

on everything

Best For

Frequent travelers using airport lounges 4+ times a year

Sign-Up Bonus

Bonus: 60,000 points

Requirement: Spend $4,000 in 3 months

Estimated value: $1,200Terms apply.

Reward Categories

travel

Hotels/cars via Chase

10x
travel

Flights via Chase

5x
dining

Restaurants

3x
travel

Other travel

3x
Everything else1x

Point value: ~2.0¢ each

Key Benefits

$300 Travel Credit(~$300/yr)

Automatically applies to travel purchases

Priority Pass Lounge(~$429/yr)

Register at prioritypass.com with your card

Global Entry/TSA PreCheck(~$100/yr)

Apply at ttp.cbp.dhs.gov, pay with this card for credit

Primary Rental Car Insurance(~$500/yr)

Decline rental counter insurance — your card covers it

DoorDash DashPass(~$120/yr)

Activate DashPass membership via Chase portal

Pros & Cons

Pros

  • + Priority Pass lounge access
  • + $300 annual travel credit
  • + Best point value in Chase ecosystem
  • + Premium travel protections

Cons

  • - High annual fee
  • - 5/24 rule applies
  • - Several credits split semi-annually (use-it-or-lose-it)

Transfer Partners

Transfer points to 9 airline and hotel partners for potentially higher value.

UnitedHyattSouthwestBritish AirwaysMarriottAir CanadaSingaporeVirgin AtlanticIHG
Apply Now

Recommended credit score: 720+

Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure

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Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.