Chase Sapphire Reserve®

Issuer

Chase

Network

Visa

Regular APR

21.74% - 28.74%

Credit Score

720 - 850 (Excellent)

Rewards Rate Details

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Intro Offer Details

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Pros

• High rewards rate on travel and dining
• Luxury perks, including access to Chase hotel and airline transfer partners
• Premium travel protections, including trip cancellation/interruption insurance
• 50% more value when redeeming points through Chase Travel
• Generous introductory bonus
• Flexible $300 annual travel credit
• No foreign transaction fees
• Broad definitions for travel and dining bonus categories
• Primary rental car insurance coverage
• Robust travel benefits and access to developing Chase Sapphire Lounges

Cons

• High annual fee of $550, plus $75 per authorized user
• Bonus rewards rate for travel only starts after the $300 annual travel credit is utilized
• No introductory APR for purchases or balance transfers
• Requires excellent credit for approval
• Fewer luxury perks compared to competing premium cards (e.g., hotel elite status or more comprehensive lounge access)
• APR range from 21.49% to 28.49%, which is high for those carrying a balance