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Chase Sapphire Reserve® Overview

Chase Sapphire Reserve® Overview

An in-depth look at a top choice for serious travelers and diners.

Author: Shannon Lopez
|
Reviewed by: Taevann Calloway
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Benefits Accurate as of: August 3, 2026
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The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

PREMIUM TRAVEL CARD

Chase Sapphire Reserve®

Chase Sapphire Reserve Credit Card
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at our secure partner's site. Terms & restrictions apply.

Why we love this card: The Sapphire Reserve is a rewards powerhouse with exceptional earning rates on travel and dining, a flexible $300 travel credit, and access to valuable transfer partners.

Annual Fee

$795

 

Bonus Offer

100,000 points

After spending $6,000 in purchases in first 3 months from account opening.

Rewards Rates
8x Points 4x Points 3x Points 1x Point
On eligible purchases through Chase Travel℠, including The Edit℠. Portions reimbursed by the $300 Annual Travel Credit, the $500 Edit credit, or the limited-time 2026 select-hotel credit do not earn points. On flights and hotels booked directly with the airline or hotel. Any portion reimbursed by the $300 Annual Travel Credit does not earn points. On dining worldwide. On all other purchases.

Why you may want the Chase Sapphire Reserve®

  • $800 in recurring travel credits, plus a limited-time $250 hotel credit: Receive up to $300 each account anniversary year in automatic statement credits for eligible travel purchases. Also receive up to $250 per qualifying prepaid booking of at least two nights with The Edit℠ through Chase Travel℠, up to $500 per calendar year. Through December 31, 2026, receive up to an additional $250 for eligible prepaid stays of at least two nights at participating IHG Hotels & Resorts, Montage, Pendry, Omni, Virgin, Minor, and Pan Pacific properties booked through Chase Travel℠. Portions reimbursed by these credits do not earn points.
  • Lifestyle credits and partner benefits: Receive up to $300 annually at participating Sapphire Reserve Exclusive Tables restaurants, divided into up to $150 from January through June and up to $150 from July through December. After activation, receive complimentary Apple TV and Apple Music subscriptions through June 22, 2027. Activate by December 31, 2027 for a complimentary DashPass membership for at least 12 months and access to up to $25 in monthly DoorDash promotions through that date. Also receive up to $300 annually in StubHub and viagogo credits through December 31, 2027; up to $10 monthly in Lyft credits through September 30, 2027; and up to $10 monthly toward eligible Peloton memberships through December 31, 2027. Activation and purchase restrictions apply.
  • Extensive airport lounge access: Primary cardmembers and authorized users receive complimentary access to Chase Sapphire Lounges® by The Club and 1,300+ participating Priority Pass™ airport lounges, with up to two complimentary guests per visit. They may also access select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada, and Europe when departing on an eligible Star Alliance flight, with one complimentary guest. Capacity limits and location-specific rules apply.
  • Global Entry, TSA PreCheck or NEXUS credit: Receive up to a $120 statement credit toward an eligible application fee once every four years.
  • Elevated rewards on travel, dining, and select partners: Earn 8X points on eligible purchases through Chase Travel℠, 4X points on flights and hotels booked directly, and 3X points on eligible dining purchases worldwide. Through September 30, 2027, earn 5X total points on eligible Lyft purchases. Through December 31, 2027, earn 10X total points on eligible Peloton equipment and accessory purchases over $150, on up to $5,000 in total purchases.

Redeeming Points

You have several flexible options for redeeming your Ultimate Rewards points:

  • Book travel through Chase Travel℠: Redeem points through Chase Travel℠ for flights, hotels, rental cars, cruises, and more. Most travel redemptions are worth 1 cent per point, while eligible Points Boost offers can provide up to 2 cents per point on select top-booked hotels and flights with select airlines.
  • Transfer to travel partners: Transfer points, generally at a 1:1 ratio, to participating airline and hotel loyalty programs such as United MileagePlus, Southwest Rapid Rewards, and World of Hyatt. The value you receive depends on the award you book.
  • Cover eligible purchases: Use Pay Yourself Back to redeem points for statement credits against eligible purchases. Eligible categories and redemption values may change over time.
  • Cash back: Redeem points for a statement credit or eligible direct deposit, typically at a value of 1 cent per point.

Airport Lounge Access

Chase Sapphire Lounges® by The Club

Primary cardmembers and authorized users receive complimentary access to participating Chase Sapphire Lounges® by The Club, with up to two complimentary guests per visit. Access is subject to eligible boarding-pass requirements, lounge capacity, and location-specific rules.

Priority Pass™ Select

Eligible cardmembers are automatically enrolled in a complimentary Priority Pass™ Select membership, providing access to 1,300+ participating airport lounges worldwide. Each eligible cardmember may bring up to two guests at no additional charge. Participating lounges may impose their own capacity or access restrictions.

Air Canada Maple Leaf Lounges and Air Canada Cafés

Primary cardmembers and authorized users may access participating locations in the U.S., Canada, and Europe when traveling on an eligible Star Alliance flight, with one complimentary guest. Additional-guest fees apply. Air Canada Signature Suites and Montréal (YUL) lounges are excluded.

Alternatives to the Chase Sapphire Reserve®

For a lower annual fee and simpler recurring benefits...

The Capital One Venture X Rewards Credit Card is a premium travel card with a lower $395 annual fee. It offers a $300 annual credit for bookings through Capital One Travel and 10,000 bonus miles each account anniversary, beginning with the first anniversary. These recurring benefits can substantially offset the annual fee when fully used. The primary cardholder also receives access to Capital One Lounges and participating Priority Pass lounges after enrollment.

  • Why you might prefer it: You want a lower annual fee, a straightforward 2X earning rate on most purchases, and recurring benefits that are relatively simple to understand and use.
  • Why you might stick with the Sapphire Reserve: You value 4X points on flights and hotels booked directly, 3X on dining, a flexible credit covering broad travel purchases, Chase Sapphire Lounge access, or Chase transfer partners.

For extensive lounge access and premium lifestyle benefits...

The American Express Platinum Card® is a premium travel and lifestyle card with an $895 annual fee. It provides access to the American Express Global Lounge Collection, including Centurion Lounges, participating Priority Pass lounges after enrollment, a limited number of annual Delta Sky Club visits when flying on an eligible Delta flight, and other participating lounge networks. Cardmembers can also enroll in Marriott Bonvoy Gold Elite and Hilton Honors Gold status and receive numerous travel, dining, entertainment, shopping, and wellness benefits.

  • Why you might prefer it: You value broad airport lounge access, hotel elite status, premium hotel benefits, and can consistently use the card's numerous merchant-specific credits.
  • Why you might stick with the Sapphire Reserve: You prefer its flexible $300 travel credit, 3X rewards on dining, 4X rewards on hotels booked directly, Chase transfer partners, or a benefit structure that may require less ongoing management.

Want to find the perfect travel credit card, just for you? Visit our Credit Card Finder to get your best match.

Final Thoughts

The Chase Sapphire Reserve® has solidified its place as a top-tier travel card. With its enhanced earning structure, a simple and effective travel credit, and extremely valuable redemption options, it's a clear winner for those who want to maximize their rewards from travel and dining.

Bottom Line: If you're a frequent traveler who can take full advantage of the travel credit and high-powered rewards, the Sapphire Reserve is an outstanding choice that can deliver immense value.

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at our partner's secure site. Terms & restrictions apply.

Editorial Disclaimer Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. Whereas the details of the cards benefits have been reviewed and are accurate as of the date noted, the site's content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

PREMIUM TRAVEL CARD

Chase Sapphire Reserve®

Learn More
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