Chase Sapphire Reserve

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welcome offer

Earn 50,000 points after $4,000 spent within the first 3 months.

Bonus Cash Value

Approximately $750*

Annual Fee

$550

Card Rewards

3 points on travel and dining

10 points on Lyft Rides

1 point everywhere else

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Chase Sapphire Reserve has your back, ensuring you get your money's worth if you ever run into a mishap during traveling. This card gives you an annual $300 travel credit as well as a full package of luxury benefits. By having the Chase Sapphire Reserve card you can effectively higher the value of all your Ultimate Rewards points and receive 1.5 cents per point towards any travel booked on the Chase Travel portal.

Card-Smart Tips & Advice
  • Excellent credit needed (you will probably need at least one credit card open for more than a year)
  • Chase will decline an applicant that has opened 5 or more cards (other issuers included) in the past 24 months. Hence, 5/24 rule
  • You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
  • If you have any Sapphire card currently open (Reserve or Preferred), Chase will not approve you for a new Sapphire card (regardless of which Sapphire card you apply for). You can close or product change the card and apply for a new one after approx 48 hours (As long as you did not receive a welcome offer on any Sapphire card within the past 48 months).
  • You can check your application status at Chase.com / Customer Center / Check my app status or call 1 888 338 2586
  • If declined you can call 1 888 609 7805 to be reconsidered
Welcome Offer Eligibility
The Chase Sapphire Reserve is not available to either current cardmembers of any Chase Sapphire credit card (Reserve or Preferred), or previous cardmembers of any Sapphire credit card (Reserve or Preferred) who received a welcome bonus within the last 48 months.
Card Details And Benefits
  • Earn $300 in annual travel credits
  • Special car rental privileges from National Avis and Silver car
  • Access to luxury hotel and resort collection with special benefits
  • Complementary Lyft Pink membership
  • Earn $60 annual Doordash credit plus 1 to 2 year free membership pass (depending what your card is targeted for). The credit can be used once until 12/31/20 and again from 01/01/21 to 12/31/21. With DashPass you will receive free delivery on orders of $12.00 or more by many DoorDash participating restaurants.
  • Emergency medical insurance
  • Global Entry or TSA PreCheck
  • No Foreign Transaction Fee
  • Lounge Access
  • Trip Cancellation Insurance
  • Auto Rental Collision Insurance
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Trip Delay Reimbursement
  • Return Protection
  • Extended Warranty Protection
  • Purchase Protection

Covid-19 Temporary Benefits

  • New! Pay Yourself Back: You can use your Ultimate rewards points at a rate of 1.50 cents per point to refund any dining, grocery, or home improvement purchases (works on gift cards bought in HomeDepot, etc) Click here to redeem the points for eligible purchases, expires 04/30/21.
  • Annual Fee: The feewill be deducted starting 07/01/20 – 12/31/20 back to $450. Cards renewing between 04/01/20- 07/01/20 will receive a $100 statement credit.
  • $300 Travel Credit: You can use the travel credit for gas and grocery purchases starting 06/01/20 – 12/31/20. This has been extended to 06/20/21.
  • Bonus Points On Grocery Spent: Earn 3 points per dollar on groceries on up to $1,000 per month from 11/01/20- 04/30/2021.
  • Peloton Credits: Receive $120 in statement credits valid for Peloton Digital and All Access Memberships, through 12/31/2021.

Additional Resources

 

Compare Cards

CardChase Sapphire PreferredChase Sapphire Reserve
Welcome BonusEarn 60,000 points after $4,000 spent within the first 3 months.Earn 50,000 points after $4,000 spent within the first 3 months.
Annual Fee$95$550
Rewards- 2 points on travel and dining - 5 points on Lyft Rides - 1 point everywhere else- 3 points on travel and dining - 10 points on Lyft Rides - 1 point everywhere else
Upgraded StatusComplimentary Emerald Club Executive Level membership, Avis Preferred Status, and specialSilvercar privileges.
CreditsGet a $300 annual travel credit each cardmember year.
Extra Redemption ValuePoints are worth 25% more when redeemed for travel through Chase Ultimate RewardsPoints are worth 50% more when redeemed for travel through Chase Ultimate Rewards
Global Entry and TSA pre-checkStatement credit for Global Entry or TSA Pre-Check
No Foreign Transaction FeeNoneNone
Lounge AccessAccess to 1,200+ airport lounges, with a complimentary membership to Priority Pass Select.
Trip Cancellation InsuranceCoverage for canceled or interrupted travel due to an unforeseen medical emergency, etc. Max $10,000 per person for non-refundable travel expenses including flight tickets, hotels, and more.Coverage for canceled or interrupted travel due to an unforeseen medical emergency, etc. Max $10,000 per trip for non-refundable travel expenses including flight tickets, hotels, and more.
Auto Rental Collision InsuranceWorldwide primary coverage on rentals up to 31 daysWorldwide primary coverage on rentals up to 31 days. Max $75,000 per rental
Travel Accident InsuranceGet coverage If you god forbid die in an accident on a Common Carrier while traveling or lose a limb, sight, speech, or hearing, receive up to $500,000 in compensation.Get coverage If you god forbid die in an accident on a Common Carrier while traveling or lose a limb, sight, speech, or hearing, receive up to $1,000,000 in compensation.
Lost Luggage ReimbursementGet up to $3,000 per person for lost or damaged luggage.Get up to $3,000 per person for lost or damaged luggage.
Trip Delay ReimbursementIf your flight is delayed more than 12 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items.If your flight is delayed more than 6 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items.
Return ProtectionNot happy with a purchase? Get a refund on purchases that are passed the store return policy for up to 90 days. Max $500 per claim, $1,000 per year.
Extended Warranty ProtectionGet one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim $50,000 per account.Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim $50,000 per account.
Purchase ProtectionGet refunded if your purchase is damaged, or stolen for up to 120 days from the date of purchase. Max $10,000 per claim $50,000 per year.Get refunded if your purchase is damaged or stolen for up to 120 days from date of purchase. Max $10,000 per claim ($50,000 per account)
Authorized User Fee$0$75
Luggage Delay InsurenceIf your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing for up to 5 days.If your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing for up to 5 days.
Roadside AssitanceOffers roadside assistance, but charges $59.95 per service call.Get 4 free roadside service calls valued up to $50 each per year.
Travel Medical InsuranceGet covered for any medical expense up to $2,500 with a $50 deductible while traveling 100 miles or more from your home (trip must include travel on a common carrier).

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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