The Chase Sapphire Reserve elevates your travel experience as the ultimate card in Chase's rewards ecosystem. Points become more valuable through the travel portal, with transferability from other Chase cards and premium benefits offsetting the annual fee.
The Chase Sapphire Reserve isn’t just another premium travel card — it’s the keystone of the Chase Ultimate Rewards ecosystem. With this card, your points automatically become 50% more valuable when redeemed through the Chase Travel portal, giving you an unbeatable edge whether you’re booking travel. Even better, you can transfer points from your other Chase cards to this card. Meaning, you get 50% on EVERY Chase point you earn! The card also offers Priority Pass Select membership, a Global Entry or TSA PreCheck credit, an annual $300 travel credit (to offset the $550 annual fee), and some of the best travel protections in the industry. If you want the most from every point you earn, this is the one card to rule them all.
The Sapphire Reserve packs in a tremendous amount of upfront and long-term value. The perks easily cover the annual fee in the first year — and can continue to do so if you travel even just a few times annually.
These perks make this a powerful everyday card — not just a great card for trip planning.
This card may not be the best fit if you're completely devoted to the Amex (or other point systems). Or the $550 annual fee (less the $300 travel credit) is still too rich for you.
Chase Ultimate Rewards is our most valued point system.
The Sapphire Reserve sits at the top of the Chase Ultimate Rewards family and acts as the power-up that unlocks maximum value from all your points.
While we don’t necessarily recommend keeping the Reserve forever, it’s the best starting point for anyone new to Chase points. You can always downgrade to a no-fee card in the second year, but be sure to use or transfer your points first, as Freedom cards don’t have access to transfer partners.
This was the very first card we opened when we started collecting points. The principal reason was the 1.5 redemption value we get on every point. We make some big annual spends on a couple of Chase business cards -- points that we always transfer to the Sapphire Reserve card for the 50% bonus. Factor in 3 points earned per dollar spent on dining, and you're getting back 4.5% every time you go out to eat. The $550 annual fee (less the $300 travel credit) makes the Reserve a no-brainer to keep.
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 60,000 | $4,000 | 1.7 ¢ | $474 | $550 |
$1009
|
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| Travel of all kinds | 3X points on travel & dining, 150% point redemption on Chase portal, complimentary priority pass membership | 1/48 Sapphire , 5/24 , Chase 2/30 , Chase 4/6 |
5X points
8.5¢ Per Dollar Spent
1X points
1.7¢ Per Dollar Spent
10X points
17¢ Per Dollar Spent
3X points
5.1¢ Per Dollar Spent
3X points
5.1¢ Per Dollar Spent
3X points
5.1¢ Per Dollar Spent
10X points
17¢ Per Dollar Spent
10X points
17¢ Per Dollar Spent
3X points
5.1¢ Per Dollar Spent
Transfer To Spouse/Partner Yes
Transfer To Friends No
Chase Ultimate Rewards Outside Point System
1:1 88% value retained
1:1 63% value retained
1:1 63% value retained
1:1 75% value retained
1:1 38% value retained
1:1 75% value retained
1:1 44% value retained
1:1 81% value retained
1:1 81% value retained
1:1 81% value retained
1:1 88% value retained
1:1 100% value retained
You cannot receive a Sapphire card sign-up bonus if you've already received a bonus from either version within previous 48 months
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
You'll be declined if you apply for a third Chase card of any kind within 30 days
Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months
Below is a snapshot of where this card performs best compared to the other cards in our database:
CHASE CARDS LIMITED TIME OFFERS - GET YOUR ULTIMATE REWARDS:
- Chase Sapphire Reserve - 75,000 points after spending $4000 in 3 months - $550/annual fee.
- Chase Sapphire Preferred - 75,000 points after spending $4000 in 3 months - $95/annual fee.
BRITISH AIRWAYS AVIOS OFFER:
- British Airways Visa - 80,000 avios after spending $5000 in 3 months - $95/annual fee.
Now with the Chase Sapphire Reserve card, earn 80,000 Bonus points after spending $4000 in 3 months. Annual fee is $550 with a $300 annual travel credit. This offer is ending soon, so if you haven't tipped the 5/24 rule you may want to consider this one.
For a limited time get 80,000 bonus points after spending $4000 in 3 months. There is a $550 annual fee that's not waived but can be offset by the $300 annual travel credit every anniversary that comes with this Chase Sapphire Reserve Card.
Chase Sapphire Reserve card is offering 60,000 Ultimate Rewards after spending $4000 in 3 months. This card comes with a $300 annual travel credit to offset the $550 annual fee.
