Chase · Visa
Chase Sapphire Reserve
Annual Fee
$795
up to $1928/yr in credits if you use them
up to $300/yr applied automatically to travel purchases
Sign-Up Bonus
$1,500
Current offer shown; issuer determines eligibility.
Spend $6,000 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
Travelers who'll actually use $1,500+ in annual travel & lifestyle credits
Sign-Up Bonus
Bonus: 100,000 points
Details: 100,000 bonus points after $6,000 spend in 3 months (the 150k limited-time offer expired 2026-06-15; ~$2,000 toward select Chase Travel)
Requirement: Spend $6,000 in 3 months
Estimated value: $1,500Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Travel booked via Chase Travel
Flights & hotels booked direct
Dining worldwide
Point value: ~1.5¢ each
Key Benefits
Arrives automatically
Posts automatically against the first $300 of travel purchases each year — any airline, hotel, or rental counts
Credits — if you use them
Two up-to-$250 statement credits on prepaid 2+ night stays booked via The Edit by Chase Travel
Up to $150 twice a year at Sapphire Reserve Exclusive Tables restaurants
Up to $150 twice a year on concert & event tickets; activation required
Complimentary Apple TV+ and Apple Music; activation required
Complimentary DashPass + monthly in-app promo credits; activation required
$10/month in-app Lyft credit (also earns 5x points)
Up to $120/year in statement credits on Peloton membership
Perks (not counted in our math)
Unlimited Priority Pass + Chase Sapphire Lounge by The Club; register with card
Statement credit every 4 years — pay the application fee with your card; shown at its ~$30/yr annualized value
Complimentary hotel elite status; enroll via Chase benefits
Decline the rental counter coverage — your card covers it
Pros & Cons
Pros
- + 8x on Chase Travel; 4x on flights & hotels booked direct
- + Priority Pass + Chase Sapphire Lounge access
- + $300 travel credit auto-applies; $1,500+ more in credits if you use them
- + Points Boost + transfer partners keep Chase points among the most valuable
Cons
- - $795 annual fee (+$195 per authorized user)
- - Many credits are use-it-or-lose-it and require activation at specific merchants
- - 5/24 rule applies
Transfer Partners
Points transfer to 9 airline and hotel partners — often where the highest redemption values live.
Rates and fees may vary.See current rates, fees, and terms on Chase's site
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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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
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.