pointstopictures
The Chase Sapphire Reserve is a premium travel rewards card built for frequent travelers who want top-tier perks and strong value. New cardmembers earn 60,000 points after spending $5,000 in the first 3 months—worth $900 when redeemed through Chase Travel.
The card features a $300 annual travel credit, 10x points on hotels and car rentals, 5x on flights booked through Chase, and 3x on dining and other travel. It also includes Priority Pass lounge access, travel protections, and no foreign transaction fees. The $550 annual fee is steep but easily offset by the benefits.
We will add this to our best credit card page.
Card Details
The Good
- 60,000 points after $5,000 spend in 3 months (worth $900 with Chase Travel)
- $300 annual travel credit applies to most travel purchases
- 10x on hotels and car rentals, 5x on flights through Chase Travel
- 3x on dining and other travel
- 50% more value when redeeming through Chase Travel
- Lounge access with Priority Pass + Chase Sapphire Lounges
- Global Entry, TSA PreCheck, or NEXUS fee credit ($120 every 4 years)
- Comprehensive travel protections and purchase coverage
- Points don’t expire as long as the account is open
- No foreign transaction fees
The Bad
- $550 annual fee (+ $75 per authorized user)
- Highest earn rates require booking through Chase Travel
- Some premium perks overlap with lower-cost cards like Sapphire Preferred
- No direct hotel status or airline elite benefits
Our Take
The Chase Sapphire Reserve remains one of the most rewarding cards for travelers who can use the travel credit, lounge access, and redemption boost. The earning potential through Chase Travel is unmatched at this tier, and the benefits go beyond points.
If you travel multiple times a year and want a flexible, premium rewards system with strong protections, this card is worth the fee. If not, the Sapphire Preferred may offer better value at a lower cost.
