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.