Chase Sapphire Reserve

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Annual Fee: $550
Purchase Intro APR: N/A
Rewards Rate: 1 - 3 points / $1 | Bonus 50.000 points
Transfer Intro APR: N/A
Regular APR: 16.99% - 23.99% Variable

Chase Sapphire Reserve Review Highlights:

Big-time bonus

Spending at least $4,000 within 3 months of getting your Chase Sapphire Reserve Card will trigger a 50,000-points initial bonus. That bounty is worth $750 in travel booked through Chase or $500 in the form of a statement credit.

Earn up to 4.5% back on travel and dining

You will earn 3 points per $1 spent on travel and dining with Sapphire Reserve, which translates to 4.5% cash back when you redeem for travel through Chase. You’ll also earn up to 1.5% back on all other purchases.

Big-time fees

The Sapphire Reserve Card’s eye-catching rewards come at the whopping price of $550 per year. That means it’s built for regular use, not just purchase here and there.

$300 annual travel credit

The blow dealt with your wallet by the Sapphire Reserve Card’s annual fee is cushioned a bit by up to $300 in free travel each year. As you make travel-related purchases, credits will automatically be applied to your statement.

Airport-lounge access

Sapphire Reserve enables you to sign up for complimentary Priority Pass Select membership, which gives you access to 1,000+ airport lounges around the world. Membership ordinarily costs at least $99 per year, but this perk only adds value if you actually use it.

It pays to book travel through Chase

The points you’ll earn with the Chase Sapphire Reserve Credit Card are worth 50% more when redeemed for travel through Chase Ultimate Rewards. This will prevent you from price-shopping for airfare and hotel reservations.