How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
|
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
|
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Chase Sapphire Reserve® Review

Chase Sapphire Reserve<sup>®</sup>
Sign-Up Bonus
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 Ultimate Rewards®
Rewards Rate
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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
Extra Perks
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Our take: The Chase Sapphire Reserve® is a good choice for savvy travelers who will take full advantage of its flexibility and slate of lucrative travel perks. But, the high annual fee makes it worth weighing other options before you apply.

Pros and cons

  • Generous sign-up bonus
  • High earning rate on travel and dining
  • $300 flexible travel credit
  • Valuable, flexible points
  • Priority Pass lounge access
  • Top-notch travel insurance
  • Other valuable travel benefits
  • High annual fee
  • $75 authorized user fee
  • Excellent credit required

Is the Chase Sapphire Reserve® worth it?

If you’re a jetsetter who values flexibility and will take advantage of all its benefits, the Chase Sapphire Reserve® is definitely worth putting in your wallet.

One of our picks for the best Chase credit cards, the Chase Sapphire Reserve® offers plenty of value to recoup the high annual fee.

The generous Chase Sapphire Reserve® benefits start accruing right away with a competitive sign-up bonus that lets you 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 Ultimate Rewards®. This bonus more than wipes out the annual fee, making the card especially valuable in the first year.

Cardholders also get a yearly $300 flexible travel credit, which negates more than half the $550 annual fee. Factor in the airport lounge access, with a retail value of $469, and these two luxe perks alone make the Chase Sapphire Reserve® worth it for frequent travelers.

However, the Chase Sapphire Reserve® card also has its drawbacks, the main one being the annual fee of $550, plus $75 for each authorized user. The card offers good value only for avid travelers, and you need excellent credit to qualify.

Quick facts

    • 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 Ultimate Rewards®
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
    • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
    • Member FDIC
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 720 850
    Excellent
  • $0 foreign transaction fees.
  • Free Priority Pass™ Select membership for you and up to two guests.
  • $300 annual travel credit for travel purchases charged to your card, including airfare.
  • Trip cancellation and interruption insurance up to $10,000 per person and $20,000 per trip.
  • Lost luggage reimbursement up to $3,000 per passenger if your luggage is damaged or lost by the carrier.
  • Trip delay reimbursement up to $500 per ticket for delays more than six hours.
  • Emergency evacuation and transportation up to $100,000.
  • Auto rental collision damage waiver up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad
  • Purchase protection up to $10,000 per claim and $50,000 a year within 120 days of purchase
  • Return protection up to $500 per item, $1,000 per year within 90 days of purchase
  • Extended warranty protection. Get an extra year on eligible warranties of three years or less
  • $100 Global Entry/TSA Precheck or NEXUS credit

Intro Purchase APR

N/A

Regular Purchase APR

22.49% – 29.49% Variable

Intro BT APR

N/A

Regular BT APR

22.49% – 29.49% Variable

Annual Fee

$550

Cash Advance Fee

Either $10 or 5% of the amount of each transaction, whichever is greater.

Foreign Transaction Fee

$0

Balance Transfer Fee

Either $5 or 5% of the amount of each balance transfer, whichever is greater

Chase Sapphire Reserve® benefits

  • Generous sign-up bonus

    The Chase Sapphire Reserve® sign-up bonus allows you to start reaping value right away. 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 Ultimate Rewards®. You can redeem for travel through the Chase Ultimate Rewards® portal at a value of 1.5 cents per point, a 50% boost over the usual value of 1 cent per point.

    And you may be able to squeeze even more value out of your sign-up bonus by transferring your points to a Chase travel partner, especially if you book an international business or first-class flight with the right airline. Depending on the partner and the route you choose, you may be able to cash in your bonus for a flight that would cost you thousands of dollars if you paid cash.

    However, the Chase Sapphire Reserve® sign-up bonus falls a bit short of some offers on similar cards, like The Platinum Card® from American Express and the Capital One Venture X Rewards Credit Card.

  • High earning rate on travel and dining

    The high earning rate on the Chase Sapphire Reserve® makes the card especially valuable for cardholders who travel and dine frequently. You earn Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.

    The dining bonus includes eligible delivery services and takeout. Make sure to read the fine print, though: Food and drink vendors in sports stadiums, hotels, casinos and other facilities don’t qualify for the higher rewards rate.

    When it comes to earning points, the Chase Sapphire Reserve® has an edge over similar cards, including The Platinum Card® from American Express and the Capital One Venture X Rewards Credit Card. For example, The Platinum Card® from American Express offers a similar rate on flights booked with airlines or through American Express Travel, but doesn’t offer bonus points on hotels, car rentals or dining. The Capital One Venture X Rewards Credit Card includes a bonus on flights and hotels, but no bonus for dining.

  • $300 flexible travel credit

    The $300 flexible travel credit is one of the most attractive perks the Chase Sapphire Reserve® has to offer, covering a large part of the annual fee each year. You get statement credits for any card purchases that fall into the travel category, up to $300 annually. These get applied automatically until you reach the maximum amount in a given year.

    The credit covers a wide variety of travel purchases:

    • Airline purchases (including airfare)
    • Car rental agencies
    • Cruise lines
    • Campgrounds
    • Hotels
    • Travel agencies or sites
    • Buses
    • Ferries
    • Limousines
    • Trains
    • Highway tolls

    There are some exclusions, though. For example, you might not get a statement credit for certain goods and services you buy on a cruise or flight, or for sightseeing activities, excursions or RV or boat rentals. But that shouldn’t stop frequent travelers from earning this credit quickly.

    In fact, the credit is much more flexible than some competing cards. For example, The Platinum Card® from American Express offers a $200 hotel credit, but only on select prepaid bookings made through American Express Travel. And it offers up to a $200 airline credit, but that applies only to “incidental fees” charged by airlines.

  • Valuable, flexible points

    The card earns Chase Ultimate Rewards® points, which are extremely flexible and valuable. The points are worth 1 cent per point when you redeem for cash back, but you can maximize their value by redeeming for travel. Cardholders can redeem through the Chase Ultimate Rewards® travel portal for a 50% bonus, boosting the value to 1.5 cents per point.

    And you may get even better value for your UR points by transferring them to a Chase travel partner and redeeming for an international first- or business-class airline ticket. Chase Ultimate Rewards® points transfer at a 1:1 value, meaning one Chase UR point is worth one travel partner point.

    Chase travel partners include more than 10 airline and hotel loyalty programs:

    • Aer Lingus AerClub
    • Air Canada Aeroplan
    • British Airways Executive Club
    • Emirates Skywards
    • Flying Blue Air France KLM
    • Iberia Plus
    • JetBlue TrueBlue
    • Singapore Airlines KrisFlyer
    • Southwest Airlines Rapid Rewards
    • United MileagePlus
    • Virgin Atlantic Flying Club
    • World of Hyatt
    • IHG Rewards Club
    • Marriott Bonvoy®

     

    You need at least 1,000 points to make a transfer to a Chase travel partner. Chase sometimes will offer deals of bonus points for transferring to a specific travel partner. For example, Chase has offered a 30% bonus for transferring to Virgin Atlantic.

  • Priority Pass lounge access

    One of the most coveted benefits of the Chase Sapphire Reserve® is its Priority Pass airport lounge access, which offers you a quiet space to recharge and refuel during your journeys.

    This is a valuable perk, since Priority Pass membership with unlimited free lounge visits normally costs $469 a year, and members must pay a $35 fee for each guest.

    You get free entry to over 1,300 VIP airport lounges in more than 500 cities, along with free dining credits at over 30 airport restaurants and bars. Each card user also may take up to two guests into lounges for free, and additional guests for $27 each, charged to the card.

    Priority Pass lounges offer comfortable seating and free Wi-Fi and charging stations, along with a spread of complimentary food and beverages. Most lounges offer alcohol at no charge, so you can sip a wine, beer or cocktail if you wish.

    To get the Priority Pass™ Select benefit, you must first activate your membership through the Chase portal. You’ll then receive a membership card you can use to gain access to the lounges on your next trip.

  • Top-notch travel insurance

    One of the best benefits of the Chase Sapphire Reserve® card is a robust slate of travel insurance that covers a variety of mishaps, from getting sick right before a big vacation to being stranded at an airport in a snowstorm. The coverages and dollar amounts stack up well in comparison to other similar cards.

    Here’s the travel coverage you get with the Chase Sapphire Reserve® card:

    • Trip cancellation/interruption insurance: Up to $10,000 per person or $20,000 per trip for prepaid, non-refundable travel expenses such as passenger fares and hotels, when a trip is canceled or cut short due to covered situations including severe weather and illness.
    • Trip delay reimbursement: Up to $500 per ticket for expenses such as meals and lodging for trip delays that last six hours or more, or require an overnight stay.
    • Lost luggage reimbursement: Up to $3,000 per passenger for checked or carry-on luggage lost or damaged by the carrier.
    • Emergency evacuation and transportation: Up to $100,000 for medical services and transportation if you or a family member get sick or injured far from home, requiring medical evacuation.
    • Auto rental collision damage waiver: Up to $75,000 for collision damage or theft of a rental car in the United States or abroad when you pay the entire rental cost with your card and decline the rental company’s collision insurance.

    This travel insurance is more comprehensive than the coverage on competing cards. For example, The Platinum Card® from American Express offers similar trip cancellation, interruption and delay insurance in the same dollar amounts, but it lacks lost luggage and emergency evacuation coverage.

    To get these benefits, you’ll need to pay with your Chase Sapphire Reserve® card. In addition to travel benefits, the card also comes with shopping protections, including purchase protection, return protection and extended warranty coverage.

  • Other valuable travel benefits

    The Chase Sapphire Reserve® card also comes with other benefits that can save you money:

    • No foreign transaction fees. You can shop internationally without getting hit with extra charges.
    • Global Entry/TSA Precheck/Nexus membership. Get a $100 statement credit to reimburse you for the application fee every four years
    • Instacart membership. One year of Instacart with $15 a month in Instacart statement credits for a year.
    • Dashpass membership. You also get DoorDash for a minimum of one year with activation of the perk by the end of 2024.
    • Lyft benefits. Get 10x points on Lyft rides and two years of Lyft Pink All Access membership, which gives you discounts on luxury rides and bike sharing.

Who is the Chase Sapphire Reserve® best for?

The Chase Sapphire Reserve® is a good fit for very frequent travelers who will redeem the annual travel credit, use the airport lounge access regularly and rack up lots of bonus points on travel and dining.

But the perks don’t justify the fee for less frequent travelers. If you travel from time to time but wouldn’t consider yourself a frequent flyer, there are better options out there that will provide you with plenty of value at a much lower cost.

Chase Sapphire Reserve® drawbacks

  • High annual fee

    The biggest downside to the Chase Sapphire Reserve® card: it’s eye-popping $550 annual fee. Since you can get a solid travel credit card without quite as many luxe perks for an annual fee of less than $100, you may want to weigh the pros and cons before applying.

    If you don’t fly frequently enough to justify such a high annual fee, the Chase Sapphire Preferred® Card, which has a $95 annual fee and no extra charge for authorized users, may be a good choice for you.

  • $75 authorized user fee

    The Chase Sapphire Reserve® card charges a $75 annual fee for each authorized user, making an already costly card even more expensive. This is a definite drawback since many credit cards allow you to add an authorized user for free, including the Chase Sapphire Preferred® Card. Some cards even offer extra points or other perks for doing so.

  • Excellent credit required

    The Chase Sapphire Reserve® card requires you to have excellent credit for the best chance of getting approved, and it’s one of our picks for best credit cards for excellent credit. The definition of excellent credit varies based on the scoring model, but you may need a FICO score of 740 or higher to get a Chase Sapphire Reserve® credit card. That leaves consumers with fair credit out of the running for this premium credit card.

Alternatives to the Chase Sapphire Reserve®

The Platinum Card® from American Express

| Disclosures
The Platinum Card® from American Express
The Platinum Card® from American Express
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
| Terms Apply
N/A
See Pay Over Time APR
$695
5X Membership Rewards® points on flights booked directly with airlines or with
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
660 720 850
Good/Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The Platinum Card® from American Express may be a better option for frequent and luxury travelers who don’t mind paying a high annual fee in exchange for a package of rich perks. This card has a $695 annual fee, which is $145 more than the Chase Sapphire Reserve®, but the extra benefits more than cancel out the difference.

For starters, it has a larger welcome offer: Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. The card also offers more than $1,000 worth of travel, shopping and entertainment credits that cancel out the fee. This includes up to a $200 incidental airline fee credit that covers baggage fees and similar charges (enrollment required), as well as a $200 credit on select prepaid hotel bookings made through American Express Travel.

Plus, you get membership with the The American Express Global Lounge Collection. You get entry into luxe American Express Centurion lounges, plus Delta Sky Club and Priority Pass™ Select lounges (enrollment required).

To see rates & fees for The Platinum Card® from American Express please click here.

Chase Sapphire Preferred® Card

| Disclosures
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
apply-now-icon Apply Now
on Chase's secure site
N/A
21.49%–28.49% variable
$95
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The Chase Sapphire Preferred® Card may be a better choice for value-minded travelers who want solid travel perks but prefer a less pricey card.

It has an annual fee of $95, and no fees for authorized users. You get the same generous sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. These points are worth less when redeemed through the Chase Ultimate Rewards® portal, as you get only a 25% redemption bonus. However, you can still transfer points 1:1 to Chase’s hotel and airline partners.

The downside is that you don’t get the fanciest travel perks, as there’s no airport lounge access or flexible travel credit. But the Sapphire Preferred does offer a $50 yearly statement credit for hotel stays booked through the Chase Ultimate Rewards® portal, which cancels out over half of the annual fee.

The Chase Sapphire Preferred® Card also comes with excellent travel insurance. You get the exact same trip cancellation and delay coverage you’d get with the Chase Sapphire Reserve®. Some of the other coverage dollar amounts are lower, and you don’t get emergency medical evacuation insurance. Still, the mix of value and benefits make this one of our picks for best Visa cards.

Capital One Venture X Rewards Credit Card

| Disclosures
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees
N/A
19.99% - 29.99% (Variable)
$395
2 Miles per dollar on every purchase, every day; 10 Miles per
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The Capital One Venture X Rewards Credit Card may be a good alternative to the Chase Sapphire Reserve® for frequent travelers who want the premium perks for a slightly lower annual fee. It costs $395 a year, more than $150 less than the Chase Sapphire Reserve®. It includes a $300 travel credit that can cover a large part of that annual fee, though it’s only good for travel booked through Capital One.

You also get airport lounge access for cardholders and up to two guests, for Capital One lounges and over 1,300 airport lounges from Priority Pass and the Plaza Premium Group.

And you get a sign-up bonus of earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel, as well as 10,000 anniversary bonus miles each year. Overall, the Capital One Venture X Rewards Credit Card may be a better option for frequent travelers looking to get the most perks at the lowest price.

See Capital One Venture X Rewards Credit Card rates and fees.

Is the Chase Sapphire Reserve® right for you?

The Chase Sapphire Reserve® card may be a fit for frequent travelers who value flexible perks, robust travel insurance coverage and generous earning bonuses on both travel and dining. Its flexible travel credit can easily cover a large portion of the annual fee each year, and you’ll get Priority Pass lounge access and fantastic travel insurance.

But some very frequent luxury travelers may find they’d get a greater dollar value and better lounge access from The Platinum Card® from American Express. And those who want premium travel perks at a savings might want to look at the Capital One Venture X Rewards Credit Card, which offers many of the same perks for a slightly less hefty annual fee.

See Capital One Venture X Rewards Credit Card rates and fees.

apply-now-icon Apply Now
on Chase's secure site

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

To see rates & fees for The Platinum Card® from American Express please click here.

Frequently asked questions

It’s quick and easy to activate Priority Pass on the Chase Sapphire Reserve® card. First, log in to the Chase Ultimate Rewards® portal and select your Chase Sapphire Reserve®. Choose “Card Benefits” then scroll down and click on “Travel” and then “Complimentary Airport Lounge Access.” This will activate your Priority Pass membership.

If you already have the Chase Sapphire Preferred® Card, you may be able to upgrade to the Chase Sapphire Reserve® card. You should call Chase and speak to a representative to see if you are eligible to upgrade. Note, you can’t earn a sign-up bonus if you choose to upgrade. If you want to try to qualify for the sign-up bonus, make sure enough time has passed, then close your Sapphire Preferred account or downgrade to a different type of Chase card, and apply for the Chase Sapphire Reserve® card.

The Chase Sapphire Reserve® card does not charge foreign transaction fees, which are added fees some cards charge for purchases made outside the United States. This can save you $150 in fees on a $5,000 international trip.

The Chase Sapphire Reserve® card is made of metal. Credit card experts state that making a card out of metal is meant to convey status and make it more satisfying to “plunk” down when paying.

The Chase Sapphire Reserve® has robust travel insurance coverage. The card offers trip cancellation, interruption and delay coverage as well as emergency evacuation and transportation in case you get sick or injured on a faraway trip. And it also offers reimbursement if your luggage gets lost.

The Chase Sapphire Reserve® card offers free airport lounge access to over 1,300 lounges in more than 500 cities around the world. Cardholders and authorized users may take in up to two guests each for free.