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Chase Sapphire Reserve Card Overview

Chase Sapphire Reserve® Card 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: Sep 25, 2025

PREMIUM TRAVEL CARD

Chase Sapphire Reserve®

Chase Sapphire Reserve Card
Apply now

at the issuer's secure 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.

Estimated First-Year Value: $4,175+, plus rewards on your spend

- Includes a 125,000-point sign-up bonus (worth over $1,875) and a $2,300 in annual credits.

Annual Fee

$795

 

Sign-Up Bonus

125,000 points

 

Est. Annual Value

$2,300+

Includes travel & partner credits

Rewards Rates
8x Points 4x Points 3x Points
On all purchases through Chase Travel, including The Edit. On flights and hotels booked directly with the airline or hotel. On dining worldwide.

Why you may want the Sapphire Reserve

  • $800 in annual travel credits: Receive an easy-to-use $300 statement credit for any purchase that codes as travel, and up to $500 in credits for hotel stays with The Edit
  • $1,500 in annual lifestyle value: $300 in dining credits for Sapphire Reserve Exclusive Tables, $250 in Apple TV+ or Apple Music subscriptions, $120 in Dashpass memberhsip, $300 in DoorDash Promos, $300 in SubHub credits, $120 in Lyft credits, and $120 in Peloton credits
  • Lounge access: Enjoy access to Chase Sapphire Lounges and a complimentary Priority Pass Select membership.
  • Global Entry or TSA PreCheck credit: Receive up to a $100 statement credit for the application fee every 4 years.
  • Incredible rewards on travel & dining: Earn up to 8x points on travel and 3x on dining worldwide.

Redeeming Points

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

  • Get 50% more value: Redeem your points for 1.5 cents each on travel booked through the Chase portal.
  • Transfer to partners: For potentially the greatest value, transfer points 1:1 to top airline and hotel partners like United, Southwest, and World of Hyatt.
  • Cover your purchases: Use "Pay Yourself Back" to redeem points for statement credits against purchases in rotating categories.
  • Cash back: Redeem for cash back or a statement credit at a rate of 1 cent per point.

Airport Lounge Access

Chase Sapphire Lounge by The Club

One of the key benefits of the Sapphire Reserve is access to the growing network of Chase Sapphire Lounges. These premium spaces offer locally-inspired food, cocktails, and unique amenities.

Priority Pass Select

Your card includes a complimentary Priority Pass Select membership. This grants you and two guests access to over 1,700 airport lounges and experiences worldwide. Unlike some cards, this membership also includes access to Priority Pass restaurants, where you get a credit towards your bill.

Sapphire Reserve Alternatives

For a lower annual fee with simple credits...

The Capital One Venture X Rewards Credit Card is an excellent alternative with a lower $395 annual fee. Its credits are extremely straightforward ($300 travel portal credit and 10,000 anniversary miles), effectively making the card pay for itself each year. It also offers great lounge access and allows free authorized users.

  • Why you might prefer it: Lower annual fee, simpler credits, and free authorized users with lounge access.
  • Why you might stick with the Sapphire Reserve: The Reserve offers a much higher rewards ceiling for travel spend and access to more valuable transfer partners like Hyatt.

For the ultimate premium perks...

The Platinum Card® from American Express is the king of luxury travel perks. It offers the most extensive lounge access (including Centurion Lounges), automatic elite status with Marriott and Hilton, and over $3,000 in potential statement credits for things like airline fees, Uber, and Saks Fifth Avenue.

  • Why you might prefer it: Unbeatable lounge access, hotel elite status, and a vast array of statement credits.
  • Why you might stick with the Sapphire Reserve: The Reserve's travel credit is far easier to use, and its bonus category multipliers for travel and dining are exceptional.

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.

Apply for the Sapphire Reserve®

at the issuer's secure site. Terms & restrictions apply.

PREMIUM TRAVEL CARD

Chase Sapphire Reserve®

Apply now
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Now that you have a good handle on goals and the available savings products out there, you’re ready for Savings 102 where it’s time to choose the right product to meet your specific savings goal.