Chase Sapphire Reserve℠

Cardholders' Choice i
Cardholders' Choice i
Sorry, this offer is no longer available on Credit Karma.
  • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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
  • 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Plus, no foreign transaction fees
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select     
  • Up to $100 application fee credit for Global Entry or TSA Pre✓® 
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Annual Fee:
Purchase Intro APR:
Purchase Regular APR:
Balance Transfer Intro APR:
Balance Transfer Regular APR:

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 25.74%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee See Terms*
Penalty APR None
Balance Transfer Fee 5%, Min: $5
Foreign Transaction Fee $0
Return Payment Fee See Terms*


Welcome Bonus

Earn 50,000 points after you spend $4,000 in the first 3 months.

All Purchases

1 point per dollar

No cap on spending


3 points per dollar

3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases


3 points per dollar

3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Instant approval, pleasantly surprised!
by heavensent78
Helpful to 124 out of 131

Ever since this card was released, I wanted it. However, I was certain that my credit scores weren't worthy of its premier benefits. After weeks and weeks of research, reading reviews, and getting myself excited about the card's stellar sign-on bonus and benefits, I bit the bullet and applied online. Before doing so, I used the preapproval tool on the Chase website and was only preapproved for the Sapphire Preferred, Freedom Unlimited, and Slate. I thought, eh, whatever. If I get declined, I can stop lusting over the Reserve and move on. But to my surprise, I received an instant approval for $10,000.

Back in the early 2000s, I destroyed my credit by making some not-so-smart decisions. I was so irresponsible with my accounts, and my score dipped into the low 500s. However, In 2006, I purchased a used car with a 5-year interest rate was super high but I dug that grave, so I made sure that I made all of the payments on time, and before I knew it the car was paid off. Since paying off this car, I used cash for everything and sort of just ignored my credit profile. Fast forward to this year: In May 2016, I decided it was finally time to become "credit healthy." In June 2016, I applied for the Chase United MileagePlus Explorer card and was instantly approved for $5,000. I was stoked, because I only applied for it after seeing a promo offer for a 70k sign-on bonus (and United is my preferred airline). Then in August 2016, after researching cards made for consumers who are rebuilding credit, I applied for an unsecured Capital One Platinum card and received an instant approval for $3,000.

Since opening my United MileagePlus Explorer account, I made at least two payments per month - making sure I paid more than the minimum due. At the end of September 2016, I saw that my limit on this card increased from $5,000 to $9,500. On the Capital One card, I pay off the balance in full each month since I only use it for smaller purchases (those late night fast food cravings!). Currently, my limit is still set at $3,000.

So the more important stuff... My CK scores are currently: TU:684, EQ:652. I have zero derogatory accounts, one student loan account with a $33k balance, one personal loan with a $4,700 balance, and my paid-off car is still showing on my report. My payment history on 100% on TU and 99% on EQ. My annual salary is $44k. CK stated my approval odds for this card as "Very Good," if that matters to anyone (I always take these with a grain of salt). I have one hard inquiry on both TU and EQ (at the time of applying for the Reserve card) and two new credit accounts in the past 24 months. My current utilization is at 46%.

I think I was approved not so much for my credit scores, but moreso for my history with Chase. I've been banking with Chase for over 10 years (I started with WaMu). And I think it also helped that I showed positive credit activity with their United MileagePlus Explorer card, despite the fact that I've only had the card for four months. I feel like I'm an outlier as far as credit score approvals for the Reserve card goes, but I also feel blessed to have this opportunity to continue strengthening my credit and take advantage of those awesome benefits! I apologize for my long story, but I figured it might help those of you out there who are considering this card but don't have what CK would consdier "Good" credit or above. I hope this review helps. Good luck, everyone!

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
No customer service - will be costly
by Anonymous
Helpful to 6 out of 21

SO NOT WORTH IT. I mean, go get those points and use them, but don't use the cc. There are so many problems and customer services is non-existent. I mean HORRIBLE. So is the "concierge" service, which has not been able to help me at all, and has agents that don't know the difference between Austria and Australia (really). Note: you also DO NOT GET 1.5 POINTS per dollar on many things, because they misquote prices. e.g. A published airfare of $500 will be posted as $650 on Chase, so you can buy it with 43,000 points. And Chase won't fix it if you catch it.
Second issue: SCHEDULED PAYMENTS MAY NOT POST. Be careful! Because once they get dropped and you expected the scheduled payment, they won't do anything to help you. They'll charge the late fee and interest and whatnot and never address your problem. Ever. The customer service is insanely bad. 0 stars. You are asking for a nightmare with this card.

Our Take

Chase Sapphire Reserve℠ is an elite credit card with premium benefits.

What to Like

There are a lot of perks to like here. Here are two: Cardholders get a $300 annual travel credit and 3X points on travel and dining at restaurants. You could also earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months after opening. On top of that, cardholders have access to all sorts of smaller benefits, like up to $100 in credit toward a Global Entry or TSA Precheck® application fee.

Look Out For

First and foremost, there’s a big $450 annual fee to weigh all those benefits against. Chase Sapphire Reserve℠ also a premium card, meaning you’ll likely need strong credit to get approved.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from April 2017 through September 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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