Chase Sapphire Reserve®
Premium travel card built for people who travel often and want strong protections, lounge access, and easy statement credits. Big earn on travel, flexible redemptions, and 1:1 point transfers when you want outsized value.
Card Details
- Annual Fee: $795.
- Earning: 10x hotels & car rentals via Chase Travel; 8x flights via Chase Travel; 5x other travel via Chase Travel; 3x on dining (worldwide) & broad travel; 1x other purchases.
- Points: Use Chase Travel for quick bookings or transfer 1:1 to airlines/hotels for bigger value.
- Foreign Transaction Fees:
- Credits: $300 annual Travel (automatic); up to $500 at The Edit by Chase Travel (two $250 windows, 2-night minimum); up to $300 Exclusive Tables dining (two $150 windows); select entertainment, food delivery, rideshare, and trusted-traveler statement credits.
- Lounge: Priority Pass™ Select and access to Sapphire Lounges by The Club (guest policies per network/location).
- Hotel & Car: Luxury hotel privileges on eligible bookings; Avis/Hertz/National program perks.
Protections: Primary rental CDW (up to $75,000); trip delay (6+ hours) up to $500/person; trip cancellation/interruption up to $10,000/person ($20,000/trip); baggage delay up to $100/day (5 days); emergency evacuation up to $100,000; purchase protection; extended warranty; return protection.
Premium Benefits
- The Edit by Chase Travel: up to $500/year hotel credits (two $250 windows).
- Exclusive Tables dining: up to $300/year (two $150 windows).
- Priority Pass lounge access.
- VIP access to select dining, events, and entertainment.
- Hotel privileges and IHG Platinum/partner benefits where applicable.
About The Card
This is Chase’s flagship travel product. You’re paying a premium fee for a simpler travel life: automatic credits that hit real-world spend, strong protections when trips go sideways, and lounge access to make airports easier. Keep it simple by booking through Chase Travel—or move points 1:1 to airline and hotel partners when you want outsized value.
If you travel a few times a year and can use the core credits (Travel $300 + The Edit $500 + Dining $300), the math usually works—even before you count lounge access and the insurance package. The Reserve also scores near the top of our best credit cards for cruise travel guide, where its $100,000 emergency medical and evacuation coverage is the primary differentiator over the Chase Sapphire Preferred. Frequent travelers stack the high earn on portal bookings and steady 3x on dining/other travel, then use partners like United, Air Canada, Hyatt, and Virgin Atlantic for premium awards.
Qualifications
- Best for excellent credit.
- Chase 5/24 applies (typically declined if 5+ new personal cards in 24 months).
- Sapphire family rule: only one Sapphire card at a time.
48-month rule on receiving a Sapphire welcome bonus.
Pros
- You fly a few times a year (or more) and want lounges + strong trip insurance.
- You’ll actually use the $300 Travel credit and the hotel/dining credits each year.
- You like flexible points and 1:1 transfers (Hyatt + major airlines).
- You dine out often and want steady 3x on dining and travel.
- You get Primary rental coverage on all rentals covered normaly.
- No Foreign Transaction Fees.
Cons
- You rarely travel or won’t remember to use the credits—then the fee won’t make sense.
- You don’t care about lounges or insurance.
- You won’t book through the portal (you’ll miss the higher earn rates there).
- You prefer dead-simple cash back with no transfers or award planning.
- You’re under 5/24 or still building credit—approval may be tough and the fee overkill.
Is this card for me?
Choose it if your life looks like this: flights a few times a year, at least one or two hotel stays, regular dining out, maybe a rental car—and you’ll use the credits without thinking. That combo lets the perks outweigh the fee, and the points stay flexible for bigger trips later. Skip it if you mostly drive, eat at home, travel once in a blue moon, or want set-and-forget cash back—then a lower-fee card will treat you better.
Transfer Partners (1:1)
Typical transfer times are estimates and can vary. Make sure account names match before transferring. Emirates Skywards is no longer a Chase partner (removed Oct 2025).
| Partner | Type | Typical Time | Notes |
| Aer Lingus AerClub (Avios) | Airline | Instant | Avios can move to BA/Iberia |
| Air Canada Aeroplan | Airline | Instant | Often near-instant |
| Air France-KLM Flying Blue | Airline | Instant | Strong Europe & partner coverage |
| British Airways Executive Club (Avios) | Airline | Instant | Good short-haul awards |
| Iberia Plus (Avios) | Airline | Instant | May require 90-day account age for moves |
| JetBlue TrueBlue | Airline | Instant | Revenue-based program |
| Singapore Airlines KrisFlyer | Airline | 1–2 days | Premium cabin Star Alliance awards |
| Southwest Rapid Rewards | Airline | Instant | Award travel only (not Companion Pass) |
| United MileagePlus | Airline | Instant | Star Alliance reach |
| Virgin Atlantic Flying Club | Airline | Instant | ANA/Delta partner sweet spots |
| World of Hyatt | Hotel | Instant | High-value hotel redemptions |
| IHG One Rewards | Hotel | Instant | Frequent promos; dynamic pricing |
| Marriott Bonvoy | Hotel | 1–2 days | Large footprint; variable pricing |
Benefits and terms can change; always review your Guide to Benefits and current card terms.
