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Credit Card Review✈️ Premium Travel

Chase Sapphire Reserve®

Issued by Chase

3x travel & dining worldwide — plus 100,000 points after $6,000 spend in 3 months.

At a Glance

Annual Fee

$795

Purchase APR

19.49%–29.99%

Rewards Rate

3x travel & dining worldwide

Min. Credit Score

720+ (est.)

Sign-Up Bonus

100,000 points after $6,000 spend in 3 months

Rates & Fees

Annual Fee

$795

Purchase APR

19.49%–29.99% variable

Foreign Transaction Fee

None

Balance Transfer Fee

5% of the amount transferred, $5 minimum

Cash Advance Fee

5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $41

Detailed comparisons

Venture X vs. Sapphire Reserve

Is the Reserve worth the higher annual fee?

Reserve vs. Amex Platinum

Compare premium credits, lounges, and travel protections.

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Chase Sapphire Reserve® would earn you per year (this doesn't include any one-time sign-up bonus).

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$0/mo$1,500/mo
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$0/mo$1,500/mo
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$0/mo$1,500/mo
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$0/mo$1,500/mo
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$0/mo$1,500/mo
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$0/mo$3,000/mo

Est. Annual Rewards

$513/yr

After $795 Annual Fee

-$282/yr

Based On

$1,950/mo

Key Features

$300 annual travel credit

Priority Pass lounge access

Global Entry/TSA PreCheck credit

Pros & Cons

Pros

  • Best-in-class travel protections
  • Points worth 1.5¢ in Chase Travel
  • Comprehensive trip delay/cancellation insurance

Tradeoffs

  • $795 annual fee is high
  • Requires excellent credit
  • Travel credit requires manual tracking

How to Apply

Check whether your credit profile is a reasonable fit — Chase generally looks for applicants around 720+ FICO for the Chase Sapphire Reserve®, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Chase's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Chase Sapphire Reserve®$79519.49%–29.99%3x travel & dining worldwide
Chase Sapphire Preferred®$9521.49%–28.49%5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel
Capital One Venture X$39519.49%–28.49%10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else
Citi Strata Premier® Card$9520.24%–28.24%10x hotels, car rentals & attractions via CitiTravel; 3x restaurants, supermarkets, gas & air travel

Frequently Asked Questions

What credit score do I need for the Chase Sapphire Reserve®?

Chase generally looks for applicants with a credit score around 720+ for the Chase Sapphire Reserve®, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Chase Sapphire Reserve®?

The Chase Sapphire Reserve® carries a $795 annual fee. Whether that's worth it depends on how much value you get from its rewards rate and included perks each year.

Does the Chase Sapphire Reserve® have a sign-up bonus?

Yes — new cardholders can currently earn 100,000 points after $6,000 spend in 3 months. Bonus terms and required spend change over time, so confirm the current offer on Chase's site before applying.

What fees should I watch for on the Chase Sapphire Reserve®?

Beyond the annual fee, check the foreign transaction fee (None), balance transfer fee (5% of the amount transferred, $5 minimum), cash advance fee (5% or $10 minimum, whichever is greater), and late payment fee (Up to $41). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Chase Sapphire Reserve® compare to similar cards?

The Chase Sapphire Reserve® is one of several travel cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of travel cards for more options.

Other Credit Cards

Chase Sapphire Preferred®

5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel

Capital One Venture X

10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Citi Strata Premier® Card

10x hotels, car rentals & attractions via CitiTravel; 3x restaurants, supermarkets, gas & air travel

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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