CH
Chase · Visa

Chase Sapphire Reserve

$60,000 Bonus No Foreign Fees
$550 Annual Fee
22.49%–29.49% Variable Purchase APR
$60,000 Welcome Bonus
740+ Recommended FICO
Flexible Rewards Reward Type
Browse Cards Chase Chase Sapphire Reserve

Welcome Bonus

$60,000
Welcome Bonus Value
Spend $4,000 in the first 90 days

Rewards

Reward Type Flexible Rewards
Base Rate 1x / 1%
Bonus Rate Up to 10x
Point Value ~0.02¢ each
Travel Portal 1.5x
Expiration Points do not expire as long as your account is open and in good standing.
Transfer Partners United MileagePlus, Southwest Rapid Rewards, JetBlue TrueBlue, British Airways Executive Club, Virgin Atlantic Flying Club, Singapore Airlines KrisFlyer, Air France-KLM Flying Blue, Iberia Plus, Aer Lingus AerClub, World of Hyatt, Marriott Bonvoy, IHG One Rewards
Redemption Notes Points are worth 1 cent each when redeemed for cash back or gift cards, which is less than the 1.5 cents per point value for travel booked through Chase Travel.
Category Rate Type Cap
Hotels & Car Rentals (Chase Travel)
Earn 10x total points on hotels and car rentals purchased through Chase Travel℠ (after the first $300 travel credit is used).
10x Points No cap
Flights (Chase Travel)
Earn 5x total points on flights purchased through Chase Travel℠ (after the first $300 travel credit is used).
5x Points No cap
Travel
Earn 3x points on travel purchases worldwide, immediately after earning your $300 annual travel credit. Includes airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds, and passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.
3x Points No cap
Dining
Earn 3x points on dining purchases worldwide. Includes restaurants, cafes, and caterers.
3x Points No cap
All Other Purchases
Earn 1x point on all other eligible purchases.
1x Points No cap

Benefits & Protections

No Foreign Fees
Airport Lounge
Travel Insurance
Primary Rental Coverage
Purchase Protection
Extended Warranty
Trip Delay Coverage
Lost Luggage Coverage
Concierge Service
Global Entry Credit $100
TSA PreCheck Credit $100
Benefit Category Value / Coverage
Priority Pass Select Membership
Complimentary Priority Pass Select membership providing access to over 1,300 airport lounges worldwide for you and up to two guests.
Airport Access Complimentary access
Annual Travel Credit
Receive an automatic statement credit for travel purchases charged to your card each year.
Lifestyle Up to $300 per year
Up to $300
Complimentary DashPass Membership
Enjoy complimentary DashPass membership for a minimum of one year when activated by December 31, 2024, providing $0 delivery fees and reduced service fees on eligible orders.
Lifestyle Complimentary membership
Complimentary Instacart+ Membership
Enjoy a complimentary Instacart+ membership for one year when activated by July 31, 2024, providing $0 delivery fees on orders over $35 and reduced service fees.
Lifestyle Complimentary membership
Complimentary Lyft Pink All Access Membership
Receive complimentary Lyft Pink All Access membership for two years when activated by December 31, 2024, offering benefits like 15% off car rides, priority airport pickups, and more.
Lifestyle Complimentary membership
Instacart Statement Credit
Receive up to $15 in statement credits each month on Instacart purchases.
Lifestyle Up to $15 per month
Up to $15
Extended Warranty Protection
Extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less.
Purchase Protection Up to $10,000 per claim, up to $50,000 per year
Up to $10,000
Purchase Protection
Covers new purchases against damage or theft for 120 days from the purchase date.
Purchase Protection Up to $10,000 per claim, up to $50,000 per year
Up to $10,000
Return Protection
If a store won't take back an eligible item within 90 days of purchase, you can be reimbursed.
Purchase Protection Up to $500 per item, up to $1,000 per year
Up to $500
Accelerated Rewards on Air Travel Booked Through Ultimate Rewards
Earn 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards, after earning your $300 annual travel credit.
Rewards 10x points per $1
Accelerated Rewards on Hotels & Car Rentals Booked Through Ultimate Rewards
Earn 5x total points on flights purchased through Chase Ultimate Rewards, after earning your $300 annual travel credit.
Rewards 5x points per $1
Accelerated Rewards on Travel & Dining
Earn 3x points on travel and dining purchases worldwide, after earning your $300 annual travel credit.
Rewards 3x points per $1
Base Rewards Earning
Earn 1x point on all other purchases.
Rewards 1x point per $1
Enhanced Redemption Value for Travel
Get 50% more value when you redeem points for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.
Rewards 1.5 cents per point
Global Entry or TSA PreCheck Fee Credit
Receive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry or TSA PreCheck.
Travel Up to $100 every 4 years
Up to $100
Luxury Hotel & Resort Collection Benefits
Access to a collection of hotels and resorts with exclusive benefits like complimentary breakfast, room upgrades (when available), early check-in/late check-out, and a special amenity.
Travel Exclusive benefits
No Foreign Transaction Fees
No additional fees on purchases made outside of the United States.
Travel 0% foreign transaction fees
Roadside Assistance
If you have a car breakdown, you can call for services like a tow, jumpstart, tire change, or lockout service.
Travel Up to $50 per service call, up to 4 times per year
Up to $50
Baggage Delay Insurance
If your baggage is delayed by more than 6 hours by the common carrier, you can be reimbursed for essential purchases like toiletries and clothing.
Travel Insurance Up to $100 per day for up to 5 days
Up to $500
Emergency Evacuation & Transportation
If you or your immediate family members need emergency medical evacuation while traveling, you're covered.
Travel Insurance Up to $100,000
Up to $100,000
Emergency Medical & Dental Benefit
If you or your immediate family members get sick or injured on a trip far from home, you can be reimbursed for eligible medical and dental expenses.
Travel Insurance Up to $2,500
Up to $2,500
Lost Luggage Reimbursement
If you or your immediate family members' checked or carry-on luggage is lost or damaged by the common carrier, you're covered.
Travel Insurance Up to $3,000 per passenger
Up to $3,000
Primary Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
Travel Insurance Up to actual cash value of vehicle
Trip Cancellation/Interruption Insurance
If your trip is canceled or interrupted for covered reasons, you can be reimbursed for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Travel Insurance Up to $10,000 per person and $20,000 per trip
Up to $20,000
Trip Delay Reimbursement
If your common carrier travel is delayed for more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging.
Travel Insurance Up to $500 per ticket
Up to $500

Interest Rates

Purchase APR 22.49%–29.49% Variable
Cash Advance APR 29.99%
Min. Interest Charge $0.5

Fees

Annual Fee $550
Authorized User Fee $75
Foreign Transaction Fee None
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment Fee Up to $40
Returned Payment Fee Up to $40

Approval & Eligibility

740 Recommended minimum FICO · Range 740–850
300 Poor 580 Fair 670 Good 740 Very Good 800+ Exceptional
Approval Difficulty Difficult
Credit Profile Excellent
Approval Odds Excellent
Decision Time Instant
Pre-Qualification Not available
Student Eligible No
Co-Applicant Not allowed
Business Eligible No
Credit Limit Range $10,000 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer
You can hold up to 7 cards from this issuer simultaneously.
Shutdown Risk Triggers
Manufactured spending, excessive credit limit across Chase cards, frequent product changes/churning, abuse of card benefits (e.g., return protection, credits), suspicious or fraudulent spending patterns, repeated late payments, or opening too many accounts too quickly (velocity rules).
Cliff Effect Rules
Chase has specific rules for its Sapphire card family. You can only hold one Sapphire-branded credit card (either Sapphire Preferred or Sapphire Reserve) at any given time. Furthermore, you are ineligible for a new Sapphire card bonus if you currently hold any Sapphire card or have received a new Sapphire card bonus in the last 48 months across any Sapphire product.
International Friendly
This card works well for international travel and transactions.
Additional Issuer Rules
To be eligible for the Chase Sapphire Reserve, applicants must generally have excellent credit. Key application rules include the Chase 5/24 rule, meaning you cannot have opened 5 or more personal credit cards across all issuers in the past 24 months. Additionally, applicants are not eligible for the sign-up bonus if they currently hold any Sapphire-branded credit card (e.g., Sapphire Preferred, Sapphire Reserve) or have received a new Sapphire card bonus in the last 48 months. A minimum spend requirement, typically met within 3 months of account opening, is required to earn the welcome bonus.
Chase
$550
Annual Fee
Apply Now
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Welcome Bonus $60,000
APR 22.49%–29.49% Variable
Quick Summary
Annual Fee $550
Rewards Flexible Rewards
Welcome Bonus $60,000
Foreign Fees None
Min. FICO 740+
Network Visa
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