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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.
Best For
Rewards Rate - Points
- 8x Travel booked through Chase Travel℠
- 4x Flights and hotels booked directly
- 3x Dining worldwide
- 1x All other purchases
- Intro offer
- 125,000 points after $6,000 in purchases within the first 3 months
- Annual fee
- $795
- Regular APR
- 20.24% – 28.74% Variable APR
- Recommended credit
- 700–850 (Good to Excellent)
- Travel Perks
- Cell Phone Protection, Hotel Status, Lounge Access, Rental Car Insurance, Travel Insurance, TSA PreCheck/Global Entry
Highlights
- Premium earn on travel booked through Chase Travel℠ and competitive earn on direct bookings.
- Hefty annual travel credit that automatically applies to a wide range of travel purchases.
- Priority Pass Select lounge access and access to Chase Sapphire Lounge locations.
- Category‑leading trip protections and primary rental car coverage.
Who is this card good for?
- Frequent travelers who will leverage lounge access and elevated earn.
- Users who can fully utilize the annual travel credit each year.
- People who want top‑tier travel protections and flexible UR transfers.
Pointalize Opinion
Pros
- Very strong earn rates for premium travelers.
- Automatic annual travel credit is easy to use.
- Excellent protections and lounge access.
Cons
- High annual fee; ensure your travel pattern unlocks full value.
- Best returns often involve Chase Travel portal usage.
Pointalize Final Thoughts
Sapphire Reserve doubles down on premium travel: elevated earn, a generous travel credit, lounge access and elite‑level protections. For frequent flyers, it’s a powerhouse.