Get Luxury Travel & Elite Rewards With the Chase Sapphire Reserve®
Discover enhanced benefits, higher rewards and elevated travel experience with one of the elite credit cards in the U.S.
The Chase Sapphire Reserve® is more than a credit card; it’s a premium lifestyle travel companion for travelers, foodies, and smart shoppers who expect more from their financial tools. Offering a solid welcome bonus, an elite rewards program, and unmatched travel benefits, cardholders receive outstanding value if they value comfort, luxury and world-class customer service.
New cardmembers may also be able to receive a generous welcome bonus–if they complete a minimum spending requirement–and help them build their Ultimate Rewards® balance for future travel rewards. You will earn 10X points on hotels and car rentals through Chase Travel℠, 5X points on flights that you book through Chase, 3X points on dining and travel worldwide, and 1X point on all other purchases. The Ultimate Rewards® program is commonly considered one of the most valuable in the industry, with generous transfer partners and compelling redemption rates.
In addition to the rewards changing, the Chase Sapphire Reserve comes with premium perks such as Priority Pass™ Select airport lounge access, a $300 annual travel credit, Global Entry/TSA PreCheck® credit, trip cancellation/interruption insurance coverage, primary rental car insurance, and no foreign transaction fees. The card is built to maximize all aspects of your travel experience from booking to baggage claim.
If you’re a traveler on the go, or someone who enjoys the good life, then the Chase Sapphire Reserve® could be the ideal financial partner for you. It doesn’t just justify its price tag with high-value perks — it gives you peace of mind with strong protections and smooth travel experiences.
Why We Like It – The Chase Sapphire Reserve® The New York Times has called the Chase Sapphire Reserve® card “an excellent first” among credit card options and for good reason.
Find top-tier privileges that come with the card designed for both the traveler and spender in you
Unrivaled Travel Rewards and Bonus Categories
With the Chase Sapphire Reserve® you can earn an industry-topping 10X points on hotels and car rentals* and 5X points on airfare* (booked through Chase Travel℠. And you get 3X points on all other travel and dining purchases anywhere in the U.S. and worldwide. High rewards multipliers give you the opportunity to earn Ultimate Rewards® points fast, eventually earning free trips and luxury experiences without need to alter your daily spending.
$300 Annual Travel Credit
Among the more noteworthy of its perks is the automatic $300 annual travel credit. This works on almost any travel purchase — airfare, hotel, tolls, parking items — and more than partially offsets the annual fee. It’s user friendly and does not require you to enroll, making it by far one of the most valuable and easy to use credits in the marketplace.
VIP Airport Lounge Access
The Chase Sapphire Reserve® also offers a free Priority Pass™ Select membership to gain access to more than 1,300 airport lounges across the globe. Whether you wanna relax or freshen up, or spend a quiet dinner before your flight, this convenience is a luxury and a great deal for frequent fliers.
Comprehensive Travel Protection & Insurance
Enjoy peace of mind with great benefits including trip cancellation / interruption insurance, lost luggage, and car rental collision coverage. These perks will save you hundred — if not thousands — of dollars in emergencies, it’s a very practical card choice for both leisure and business.
What to Know Before You Apply: Is This Card Right for You?
With a premium card comes premium responsibilities—here’s what you need to think about before jumping in
High Annual Fee
With an annual fee of $550, the Chase Sapphire Reserve® has an above-average annual fee. That said, if you consider the $300 travel credit, Priority Pass membership and other benefits, the effective cost is much lower for frequent travelers. For a traveler who doesn’t get out much, though, the fee might not be worth the rewards.
Excellent Credit Required
This card is for people with excellent credit (meaning 740+ FICO) only, so it might not be available for all applicants. If you’re looking to build or rebuild your credit, you should consider other Chase cards first — then upgrade once your score has increased.
How to Apply for the Chase Sapphire Reserve® in 5 Minutes
The Chase Sapphire Reserve® application is straightforward and safe, you can complete it online in minutes. Before you apply, consider your credit score, and make sure it’s in the range recommended (usually 740 and above). You’ll also need to collect some simple personal and financial information, including your Social Security number, details about your income and your employment status.
Eligibility is based on your credit profile, income and debt-to-income ratio, Chase says. Qualified applicants typically receive instant approval, although it can take several days for a decision at times. After approval, your snazzy metal card will arrive in the mail in 7–10 business days.
Just keep in mind that Chase’s 5/24 rule does apply — if you’ve opened five or more personal credit cards from any issuer in the last 24 months, you’ll likely get an automatic denial. Be sure to check your card history before you apply.
Go to the Chase website and find the Chase Sapphire Reserve® application page.
Click on “Apply Now” and type in your personal information (your name, address, SSN, income, etc.).
You must read and consent to these terms and disclosures.
Apply now and get your instant or follow up approval.
After approval, you’ll get your card in the mail and can activate it using the Chase app or website.
The Chase Sapphire Reserve® is a premier card in the world of premium credit cards — and it’s easy to see why. Its extensive compliment of travel and lifestyle perks also makes it a lucrative financial product for those with an elite taste.
This card takes you further on what you spend from the big sign-up bonus to the 10X and 5X rewards on travel booked through Chase. The $300 a year in travel credit practically pays for itself, and the other benefits—from airport lounge access to primary car rental insurance—add an extra boost to every in-air or on land journey.
Its robust travel protections offer peace of mind and the flexible Ultimate Rewards® program allows you to transfer points to top airline and hotel partners, or redeem for higher value via Chase Travel℠. If you eat out or travel pretty regularly, these 3X categories are the key to never missing out on rewards for your regular spending.
It does come with a hefty annual fee, but the value it returns for the right user far exceeds it. And though great credit is necessary, that selectivity contributes to maintaining the benefits top-tier and the cardholder experience outstanding.
In short, the Chase Sapphire Reserve® is more than a credit card— it’s an investment in the premium lifestyle and everything that comes with it. If you’re interested in taking your travel and dining to the next level and collecting big rewards, then this card is definitely worth considering.
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Chase Sapphire Reserve®: The premier travel credit card for high reward travel goers
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