Chase Sapphire Reserve®

The Chase Sapphire Reserve® 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 comes with a high annual fee ($550), the rewards you earn from using this card will make up for the annual fee cost for those who travel even once or twice a year. You’ll receive a valuable signup bonus if you meet the spending requirements, earn up to 10x points, and receive $300 in annual travel credits every year. Plus, get 50% more value when you redeem your points for travel through Chase Travel(SM). For example, 60,000 points are worth $900 toward travel. We dive into the details and your approval odds in this 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 Travel℠.

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 Travel(SM) 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 Travel(SM) 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
Approved04/08/2023
720
Not Provided
$10,000
Approved05/08/2023
830
Experian
$27,000
Approved02/06/2023
677
Experian
$10,700
Approved04/19/2023
806
Experian
$18,600
Approved04/19/2023
810
Equifax
$18,600
Approved04/19/2023
823
TransUnion
$18,600
Approved08/03/2023
700
TransUnion
$15,000
Approved09/30/2023
698
Experian
$25,500
Approved09/30/2023
730
TransUnion
$25,500
Approved09/30/2023
733
Equifax
$25,500
Approved09/30/2023
766
Equifax
$25,500
Approved12/14/2023
750
Experian
$10,000
Approved03/22/2023
719
Equifax
$21,700
Approved03/22/2023
752
TransUnion
$21,700
Approved03/22/2023
789
Experian
$21,700
Approved01/07/2023
821
Experian
$25,000
Approved01/07/2023
828
TransUnion
$25,000
Approved01/07/2023
838
Equifax
$25,000
Approved10/23/2023
751
Experian
$10,000
Approved10/23/2023
785
TransUnion
$10,000
Denied10/19/2023
749
TransUnion
---
Denied10/19/2023
765
Experian
---

Pros & Cons

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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