Chase Sapphire Reserve® Credit Card

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Chase Sapphire Reserve Credit Card

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  • Introductory bonus offer of 50,000 miles when you spend at least $3,000 on purchases in the first 90 days
  • No foreign transaction fees

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  • 50,000 bonus points awarded after you spend $4,000 in the first 3 months from account opening
  • No foreign transaction fees
  • $300 annual travel credit

Chase Sapphire ReserveSM Credit Card Summary

When looking at the Chase Sapphire ReserveSM, it seems almost too good to be true. With a  $300 annual travel credit, an unbeatable signup bonus, and a high-value point redemption system, it beats out many of its competitors in terms of features. This premium travel card does have an annual fee of $450, but what it offers in return is high, long-term value because of all the benefits. If you are a high-spender and travel frequently, the Chase Sapphire ReserveSM credit card could be perfect for you.

  • 3X points on travel and dining and 1 point for all other purchases
  • 50% more in travel redemption when you travel through Chase Ultimate Rewards
  • Complimentary Priority Pass Select lounge membership

  • $450 annual fee, $75 for each authorized user
  • No introductory APR%

Best Features

This card is packed with perks if you are an avid traveler, and it makes this card well-worth the high annual fee. What causes this card stand out is the $300 annual travel credit. This $300 can be used on airlines, hotels, Airbnb, motels, cruise lines, travel agencies, operators of passenger trains, buses, taxis and even Uber and Lyft. With the feeling that there are an infinite amount of possibilities you can redeem the travel credit, it makes it well worth the annual fee of the card


Getting approved for the Chase Sapphire Reserve can be very tricky. Chase has an unconfirmed policy called the 5/24 rule, which means that if you have opened five credit cards with any issuer in the past 24 months, you are automatically declined. There are reports though of some customers bypassing the 5/24 rule but it seems that most are declined.

If you choose to upgrade your card to the Chase Sapphire Preferred Card, then, unfortunately, you don’t qualify for the signup bonus, but you still do benefit from all the other peaks of the card.

Overall Summary

Chase Sapphire ReserveSM was named one of the Best Travel Credit Cards for 2017 by MONEY® Magazine thanks to all the perks and bonuses its users can enjoy. The signup bonus is one of the best in the industry, and if you spend $4,000 in the first three months, you receive 50,000 bonus points! Points earned are each worth 1.5 cents when redeemed for travel through Chase. f you transfer the points to Chase’s airline and hotel partners, you can get 50% more value when redeemed for travel through Chase Ultimate Rewards. This amounts to $750 towards travel, which is more than almost any other card offers.


With the Chase Sapphire Reserve, you are reimbursed for the application fee for TSA PreCheck ($85) or Global Entry ($100) once every four years. You also can gain access to 1,000+ airport lounges around the world after you enroll in the Priority PassTM Select.

Who this card is best for

Apply for this card if you are a big spender and a frequent traveler. However, if you don’t spend much per month, it could still be worth it based on the attractive reward points system they have and the annual travel credit


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