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Chase · sapphire

Chase Sapphire Reserve

4.6 / 5

Ultimate Rewards · Personal card

After the 2025 refresh this is a $795 credits machine with the best protections in the market. The math works if you use The Edit and the dining credit. If you will not, the Preferred keeps most of the earning power.

See current offer

At a glance

Welcome bonus: 100,000 points; Spend $6,000 in 3 months
Annual fee: $795; Year-one and ongoing
Purchase APR: 19.74% to 28.24%; No intro APR
FX fee: None

Editorial

Our take

Verdict

Pros & cons

Pros

8x through Chase Travel and 4x on direct flights and hotels
Over $1,000 in annual travel and dining credits
Best-in-class travel protections
Sapphire Lounge network keeps growing

Cons

$795 annual fee demands real credit usage
Points Boost replaced the flat 1.5 cent portal rate
Credits are split across semi-annual windows

Earnings

Earn rates

Category	Rate	Notes
Travel via Chase Travel	8x points	All travel booked through Chase Travel, including The Edit hotels.
Flights direct	4x points	Flights booked directly with airlines.
Hotels direct	4x points	Hotels booked directly.
Dining	3x points	Worldwide dining at restaurants.
All other purchases	1x points

Benefits

Key benefits

Airport lounge access

Chase Sapphire Lounges by The Club, Priority Pass Select (1,300+ lounges), and select Air Canada Maple Leaf Lounges, with up to two guests.

$300 travel credit

Automatic statement credits against any travel purchase each anniversary year.

The Edit hotel credit

$500 a year ($250 semi-annually) toward prepaid stays of two nights or more booked through The Edit.

Points Boost up to 2 cents

Base 1 cent value in Chase Travel with boosted redemptions up to 2 cents on select flights and hotels. Points earned before October 26, 2025 keep the legacy 1.5 cent rate until October 26, 2027.

$75,000 spend tier

Unlocks World of Hyatt Explorist and IHG Diamond Elite status, a $250 Shops at Chase credit, a $500 Southwest Chase Travel credit, and Southwest A-List status through the following calendar year.

Fit

Who this is best for

Frequent travelers who book hotels direct or through The Edit
People who want 6-hour trip delay coverage and primary CDW
Big welcome bonus chasers before June 15, 2026

FAQ

Frequently asked questions

What is the Sapphire Reserve welcome bonus?

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening, an estimated $2,000 value toward flights and hotels through Chase Travel.

Does the Sapphire Reserve charge an annual fee?

Yes. The annual fee is $795 every year.

Does the Sapphire Reserve have a foreign transaction fee?

No. The Sapphire Reserve charges no foreign transaction fee, so it works well for international purchases.

What APR does the Sapphire Reserve charge?

The purchase APR is 19.74% to 28.24% variable.

Who is the Sapphire Reserve best for?

Frequent travelers who book hotels direct or through The Edit. People who want 6-hour trip delay coverage and primary CDW. Big welcome bonus chasers before June 15, 2026.

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