Rewards rates
Intro offer
100,000 bonus points.
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Ongoing purchases APR
19.74% - 28.24% Variable
Ongoing balance transfer APR
19.74% - 28.24% Variable
Ongoing cash advance APR
28.74% Variable
Ongoing penalty APR
Up to 29.99%
Annual fee
$795
Recommended credit
More details
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $3,000 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits. With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value. Read our full review of the Chase Sapphire Reserve. (Partner offer)
Read the full reviewThe Chase Sapphire Reserve is a strong option for frequent travelers and business owners looking to maximize rewards through premium travel and lifestyle benefits. Ultimate Rewards points remain one of the most valuable rewards currencies, with flexible redemption options and a wide network of airline and hotel transfer partners. With an elevated earning structure — including 8 points per dollar spent on Chase Travel and 4 points per dollar spent on direct hotel and airline bookings — the card is well-suited for those with significant travel spend. While the $795 annual fee is steep, it’s offset by over $3,000 in annual value through statement credits and perks like lounge access, automatic IHG Platinum Elite status and access to Chase’s Points Boost program. When used strategically, the card’s perks and credits can more than make up for its high annual fee. Those looking for a lower annual fee may prefer the Chase Sapphire Preferred® Card, which offers solid value for its $95 annual fee, though with fewer premium perks.
The card earns 8 points per dollar spent on travel purchases made through Chase Travel and 4 points per dollar spent on flights and hotels booked direct. For dining, the card earns 3 points per dollar spent in addition to a $300 annual dining credit. All other purchases earn 1 point per dollar spent. Points can be pooled across eligible Chase accounts or transferred to Chase’s airline and hotel partners, providing flexible redemption options.
100,000 bonus points.
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
1 - 8X points
$795
19.74% - 28.24% Variable
Excellent