Chase Sapphire Reserve®

The card_name is an elite credit card that Chase created to cater to frequent travelers. I’ve carried the card since Chase first introduced it in 2016. While it’s well known for its signup bonus and earning Chase Ultimate Rewards, some of its most valuable features are not as well known. We’ll cover all of this, and even a Chase Sapphire Reserve Rewards Calculator, in this detailed review.

Our Rating
4.9/5.0

Welcome Offer
Earn 60,000 bonus points

Annual Fee
$550

0% on Purchases
N/A

Reward Rate
1x - 10x

0% on Balance Transfers
N/A

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsExtended Warranty Coverage, Purchase Protection, Return Guarantees, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Airport Lounge Access, Luggage Protection, Trip Delay Reimbursement, Travel Accident Insurance, Trip Cancellation Insurance, TSA PreCheck & Global Entry credit

Rewards

1x points
On all other eligible purchases
Earn 1 point per dollar on all other eligible purchases.
3x points
Dining
Earn 3x points on other travel and dining.
5x points
Travel
Earn 5x points on flights when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually.
10x points
Travel
10x on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually.

Interest Rates & Fees

Annual Fee$550
Foreign Transaction Fee$0
Regular APR22.49%-29.49% (V) APR

What Credit Score Is Required to Get the Chase Sapphire Reserve®

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved10/21/2022
742
Experian
$15,000
Approved09/17/2022
692
Experian
$10,800
Approved06/10/2022
804
Experian
$19,600
Approved08/05/2022
780
Experian
$31,300
Approved11/25/2022
710
Equifax
$10,000
Approved11/25/2022
703
Experian
$10,000
Approved11/25/2022
711
TransUnion
$10,000
Approved06/10/2022
815
Equifax
$19,553
Approved06/10/2022
820
TransUnion
$19,620
Pros
  • Welcome offer
  • No foreign transaction fee
  • Up to 10x points
  • Excellent statement credits
  • Transfer points to Chase travel partners
Cons
  • Annual fee
  • Requires good credit

What Are the Best Alternatives?

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Rating

4.9

Rewards Range

1x - 5x points

Annual Fee

$95

American Express® Gold Card
American Express® Gold Card

Rating

4.8

Rewards Range

1x-4x

Annual Fee

$250

The Platinum Card® from American Express
The Platinum Card® from American Express

Rating

4.5

Rewards Range

1x - 5x points

Annual Fee

$695

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