Compare reviews of the Chase Sapphire Reserve Card

Enjoy exclusive travel benefits, 3x points on travel and a huge signup bonus on this high-end credit card.

Chase Sapphire
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finder score: 81%

Avg. critics score: 92%
10 critics
Avg. user score: 80%
207 users
Get 50,000 bonus points after spending $4,000 in the first three months of use. What’s more: It’s a premium travel card, allowing you to earn 3x points on travel and dining and 1x points on everyday spending.
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$450annual fee
16.99%–23.99%variable APR
720–850credit score range
More card details…

Chase Sapphire Reserve details

Product nameSapphire Reserve
Issuing bankChase Bank
Recommended credit score range720–850 (good to excellent)
Annual fee$450, each additional card costs $75 per year
Signup bonus50,000 points, if you spend $4,000 on purchases in the first 3 months
Intro purchase APRN/A
Intro balance transfer APRN/A
Balance transfer fee$5 or 5% of the transfer amount, whichever is greater
Balance transfer rate16.99% to 23.99% variable
Foreign transaction fee$0
Cash advance rate25.99%
Cash advance fee$10 or 5% of the transaction amount, whichever is greater
Penalty APRN/A
Late payment feeUp to $15 if balance is less than $100
Up to $27 if balance is $100 to $249
Up to $37 if balance is $250 or more
Returned payment feeUp to $37
Overlimit feeN/A
Maximum credit limitN/A
Minimum APR16.99%
Get 50,000 bonus points after spending $4,000 in the first three months of use. What’s more: It’s a premium travel card, allowing you to earn 3x points on travel and dining and 1x points on everyday spending.

Reviews around the web

Critics and user reviews from around the web on the Chase Sapphire Reserve

The consensus? Overwhelmingly positive for Chase Sapphire Reserve. This doesn’t necessarily mean the card is for you, given a high annual fee and high credit score requirements. Then again, if your credit is good, you travel often and you can meet the minimum spend for the bonus, you can’t find a better luxury travel card on the market.

Critic reviews

CriticRatingNotable quotable
nerdwallet logo NerdWallet’s Virginia C. McGuire90%“The Chase Sapphire Reserve℠ is a great addition to Chase’s suite of credit cards. It competes favorably with other premium travel cards, and the generous rewards rate paired with the better points redemption value more than justify the high annual fee.” Read more
“The Chase Sapphire Reserve℠ is a great addition to Chase’s suite of credit cards. It competes favorably with other premium travel cards, and the generous rewards rate paired with the better points redemption value more than justify the high annual fee.” Read more
wallethub logoWalletHub’s John S. Kiernan88%“The blow dealt to your wallet by the Sapphire Reserve Card’s annual fee is cushioned a bit by up to $300 in free travel each year. As you make travel-related purchases, credits will automatically be applied to your statement.” Read more
“The blow dealt to your wallet by the Sapphire Reserve Card’s annual fee is cushioned a bit by up to $300 in free travel each year. As you make travel-related purchases, credits will automatically be applied to your statement.” Read more
Value Penguin logoValuePenguin’s Robert Harrow98%“Most other credit cards that try to serve two functions end up being average. They fall into the ‘jack of all trades, master of none’ category. The Chase Sapphire Reserve℠ is an exception, in that it excels as both a luxury card and as a rewards credit card.” Read more
“Most other credit cards that try to serve two functions end up being average. They fall into the ‘jack of all trades, master of none’ category. The Chase Sapphire Reserve℠ is an exception, in that it excels as both a luxury card and as a rewards credit card.” Read more
credit card insider logoCredit Card Insider’s Brendan Harkness100%“We gave the Chase Sapphire Reserve 5 out of 5 stars because it’s one of the most rewarding travel credit cards that’s not tied to a particular airline or hotel.” Read more
“We gave the Chase Sapphire Reserve 5 out of 5 stars because it’s one of the most rewarding travel credit cards that’s not tied to a particular airline or hotel.” Read more
creditcards.com logoCreditCards.com’s Kelly Dilworth82%“The price of admission for this luxury card from J.P. Morgan Chase is steep, but its large sign-up bonus and generous travel allowance more than make up for the card’s $450 annual fee.” Read more
“The price of admission for this luxury card from J.P. Morgan Chase is steep, but its large sign-up bonus and generous travel allowance more than make up for the card’s $450 annual fee.” Read more
credit donkey logoCreditDonkey’s Anna G.84%“While the annual fee is steep, the rewards offered by this card are excellent, from the sign-up bonus to the impressive reward rate and a wide array of travel perks.” Read more
“While the annual fee is steep, the rewards offered by this card are excellent, from the sign-up bonus to the impressive reward rate and a wide array of travel perks.” Read more
cardratings logoCardRatings’ Brooklyn Lowery100%“The Chase Sapphire Reserve card is raising the bar in the luxury credit card world with its stellar introductory offer and top-of-the-line rewards-earning and redemption possibilities.” Read more
“The Chase Sapphire Reserve card is raising the bar in the luxury credit card world with its stellar introductory offer and top-of-the-line rewards-earning and redemption possibilities.” Read more
mybanktracker logoMybanktracker.com’s Rebecca Lake100%“The Chase Sapphire Reserve℠ card is well-suited for someone who travels or dines out often and expects to put all of the card’s various features to use.” Read more
“The Chase Sapphire Reserve℠ card is well-suited for someone who travels or dines out often and expects to put all of the card’s various features to use.” Read more
milecards logoMilecards.com100%“With such a big intro offer and easy to use travel credit, if you have travel plans this year, it’s a good time to give the card a test drive.” Read more
“With such a big intro offer and easy to use travel credit, if you have travel plans this year, it’s a good time to give the card a test drive.” Read more
upgradedpoints logoUpgradedPoints.com92%“With the variety of benefits like the $300 travel credit and lounge access, the $450 annual fee becomes much less intimidating no matter what your level of spending.” Read more
“With the variety of benefits like the $300 travel credit and lounge access, the $450 annual fee becomes much less intimidating no matter what your level of spending.” Read more

User reviews

UsersAvg. ratingReview countNotable quotable
nerdwallet logo NerdWallet’s users78%7 reviews“Use the Shop with Chase site to get bonus points at online shops. I spent just over $60 getting flowers for Mother’s Day and received 30 points per dollar spent. It’s an easy way to get 1,800 points. Take advantage of everything this card has to offer and you will be very happy with it.”
“Use the Shop with Chase site to get bonus points at online shops. I spent just over $60 getting flowers for Mother’s Day and received 30 points per dollar spent. It’s an easy way to get 1,800 points. Take advantage of everything this card has to offer and you will be very happy with it.”
wallethub logoWalletHub’s users72%203 reviews
credit karmaCredit Karma’s users90%82 reviews“One of the best travel cards available, applied because I plan on traveling more and no other travel card offered the perks this one does.”
“One of the best travel cards available, applied because I plan on traveling more and no other travel card offered the perks this one does.”
awardwallet logoAwardWallet’s users86%230 reviews
“–“
highya logoHighYa’s users60%4 reviews“A spectacular looking card that even had a heftier feel to it. The $450 annual fee drops to $150 if you travel with the $300 credit. They have great customer service with English speaking reps. And you get 3% cash back at restaurants and travel with no cap, which easily makes up the $150 remainder, even without the many perks. This is my primary card for anything business related.”
“A spectacular looking card that even had a heftier feel to it. The $450 annual fee drops to $150 if you travel with the $300 credit. They have great customer service with English speaking reps. And you get 3% cash back at restaurants and travel with no cap, which easily makes up the $150 remainder, even without the many perks. This is my primary card for anything business related.”

Chase Sapphire Reserve review

What you need to know

Not many cards come with the steep annual fee you’ll pay for the Chase Sapphire Reserve credit card. But it can offer great value for your money if you seek luxury while traveling — and travel often. Right off the bat, you can get 50,000 bonus points after spending $4,000 in the first three months of use. What’s more: It’s a premium travel card, allowing you to earn 3x points on travel and dining, and 1x points on everyday spending. And you can relax in class with complimentary access to 1,000 airport lounges in 500 cities worldwide. The credit score needed for the Chase Sapphire Reserve is roughly 720 or higher, though finder.com survey respondents report approval with scores lower than 720 a well. While other Chase credit cards will cost you nothing in annual fees, if you often travel overseas and enjoy first-class amenities you can make back the fee in no time.

The benefits

If you use this high-end card regularly, you can definitely make the high $450 annual fee worth it.

  • Generous signup bonus. Earn a whopping 50,000 points — a $750 value — when you spend $4,000 in the first three months. Redeem points for travel, dining and other perks.
  • 3x points on travel and dining. Earn three points for every $1 spent on hotels, airfare, taxis and trains and at restaurants worldwide. You’ll earn 1x points for all other purchases.
  • Annual $300 statement credit. Get reimbursed for travel purchases charged to your card. Get an additional $100 toward Global Entry or TSA PreCheck every four years.
  • Access 1,000 airport lounges worldwide. Relax at VIP lounges in over 500 cities with a one-time enrollment in Priority Pass Select.
  • Robust point redemption for travel. Get 50% more value when you redeem your points for airfare, cruises, car rentals and more through Chase Ultimate Rewards. Or redeem your points for cash back.
  • No foreign transaction fees. Use your card overseas without the worry of extra transaction fees.

You’ll also like …

  • Exclusive travel benefits. Enjoy additional benefits on car rentals, at Luxury Hotel & Resort Collection and more.
  • Travel protection. Coverage includes trip cancellation and interruption insurance, auto rental collision damage waiver, emergency evacuation and transportation, trip delay reimbursement, purchase protection, price protection, return protection and extended warranty protection.
  • 24/7 Worldwide Service Team. Get direct access to a customer service specialist, the Chase Travel Team and Visa Infinite Concierge for assistance with reservations, Broadway tickets and sporting events.

Chase Sapphire Reserve airline partners

You can use your points on more than 100 airlines — American, Delta, United, Virgin and more — all through Chase Ultimate Rewards. But if you’re looking to transfer your points directly into airline miles, you can do so online through your Ultimate Rewards Points dashboard. Under the Use Points top navigation, select Travel to Transfer Partners to find a one-to-one transfer with:

  • British Airways Executive Club
  • Flying Blue AirFrance/KLM
  • Korean Air Skypass
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United Airlines MileagePlus
  • Virgin Atlantic Flying Club

What to watch out for

  • Steep annual fee. To justify the $450 fee, you’ll need to regularly make use of this high-end card.
  • No intro APR. You’ll begin paying interest on any balances after your first statement.

Credit score needed for the Chase Sapphire Reserve

Credit rangeApproval rate
720–85089.19%
680–71978.26%
620–67951.02%
300–61930.19%
Not sure20.00%

How do I apply?

Always consider your options and your financial situation before you apply for a credit card

1. Go to the Chase Sapphire Reserve Credit Card website and click Apply Now.
step 1 Chase Sapphire Reserve Credit Card 2. Complete the application with your personal and financial information. Accept the terms and submit.
step 2 Chase Sapphire Reserve Credit Card

I got the card. Now what?

  • Keep track of your spending. Register with Chase Online to monitor your account activity 24/7.
  • Watch out for penalties. If your payments are late or your checks returned, you’ll pay up to $37.
  • Contact customer service. Get round-the-clock access to the Chase Worldwide Service Team. Contact Chase at 1-800-432-3117 or on Twitter @ChaseSupport or log in to your account to send a secure email.

Credit card insights: Chase Sapphire Reserve

We’ve polled hundreds of Chase Sapphire Reserve users. Here’s what we’ve found.

Quick stats
Application iconApplication process rating: 74%.
Customer service iconCustomer service rating: 74%.
gauge credit meterApproval rate for 720–850 credit range: 89%.
loan-line36% of users confident the $450 annual fee is worth it.
priority meterNo. 1 reason people sign up: Travel Points.
Pay monthly balance 260% pay monthly balance in full.
Bonus78% met the minimum spend and earned the bonus.

How much do users know about Sapphire Reserve features?


Chase Sapphire Reserve vs. Platinum Card from American Express

american express platinum card reviewschase sapphire reserve reviews
The Platinum Card® from American ExpressChase Sapphire Reserve
Annual fee$550$450
APRNo interest charges because you pay your balance in full each month16.99% to 23.99% variable
Rewards5x points on travel and 0x points on other purchases3x points on travel and dining and 1x points on everyday spending
Signup bonus60,000 Membership Rewards points if you spend $5,000 in the first 3 months50,000 points, if you spend $4,000 on purchases in the first 3 months

Compare other Chase credit cards

Rates last updated November 20th, 2017
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Southwest Rapid Rewards® Plus Credit Card
16.99% to 23.99% variable
$69
Earn 2x points on Southwest® purchases and points on all other purchases. Plus 3,000 anniversary bonus points.
Southwest Rapid Rewards® Premier Business Credit Card
16.99% to 23.99% variable
$99
Earn 2x points on Southwest® purchases and points on all other purchases. Plus 6,000 anniversary bonus points.
United MileagePlus® Club card
16.99% to 23.99% variable
$450
Enjoy United Club membership, Premier Access® travel services, free checked bags, plus earn miles on every purchase.
United MileagePlus® Explorer Business card
16.99% to 23.99% variable
$0 intro annual fee for the first year, then $95
50000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
United MileagePlus® Explorer card
16.99% to 23.99% variable
$95
40000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
Marriott Rewards® Premier Business credit card
16.99% to 23.99% variable
$99
80000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
Marriott Rewards® Premier credit card
16.99% to 23.99% variable
$85
80000 bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier credit card.
The Hyatt Credit Card
16.99% to 23.99% variable
$75
Get 40000 Bonus Points after spending $2,000 on purchases with the Hyatt Credit Card in the first 3 months from account opening.
British Airways Visa Signature® card
16.99% to 23.99% variable
$95
Earn Avios on every purchase and 3 Avios per $1 on British Airways purchases.
Disney® Visa® Card
16.99% variable
$0
Earn 1% in Disney Rewards Dollars on all card purchases.
Disney® Premier Visa® Card
16.99% variable
$49
Earn a $200 statement credit after you spend $500 on purchases in the first 3 months from account opening.
The Ritz-Carlton Rewards® Credit Card
16.99% to 23.99% variable
$450
2 complimentary nights at any participating Tier 1-4 Ritz-Carlton hotel, after you spend $4,000 on purchases in the first 3 months after account opening.
The Chase Freedom® Unlimited™ credit card
15.99% to 24.74% variable
0% Intro APR for first 15 billing cycles (with $5 or 5% of the amount of each transfer, whichever is greater% balance transfer fee)
$0
Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
Chase Freedom® credit card
15.99% to 24.74% variable
0% Intro APR for first 15 billing cycles (with $5 or 5% of the amount of each transfer, whichever is greater% balance transfer fee)
$0
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
Chase Sapphire Reserve
16.99% to 23.99% variable
$450
Earn 50000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
Chase Sapphire Preferred® credit card
16.99% to 23.99% variable
$0 annual fee for the first year ($95 thereafter)
Earn 2X points on travel and dining at restaurants.
Chase Slate® credit card
15.99% to 24.74% variable
0% Intro APR for First 15 billing cycles (with $0 for transfers in first 60 days. Then $5 or 5%.% balance transfer fee)
$0
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.

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Chase Sapphire Reserve details

Product nameSapphire Reserve
Issuing bankChase Bank
Recommended credit score range720–850 (good to excellent)
Annual fee$450, each additional card costs $75 per year
Sign-up bonus50,000 points, if you spend $4,000 on purchases in the first 3 months
Intro purchase APRN/A
Intro balance transfer APRN/A
Balance transfer fee$5 or 5% of the transaction, whichever is greater
Foreign transaction fee$0
Cash advance rate25.99%
Cash advance fee$10 or 5% of the transaction, whichever is greater
Penalty APRN/A
Late payment feeUp to $15 if balance is less than $100.
Up to $27 if balance is $100 to $249.
Up to $37 if balance is $250 or more.
Returned payment feeUp to $37
Overlimit feeN/A
Maximum credit limitN/A
Minimum APR16.99%

The bottom line

The Chase Sapphire Reserve Credit Card is a good fit for people who seek exclusive privileges when traveling. With enough travel, you can offset the high $450 annual fee.

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