Chase Sapphire Reserve℠

Cardholders' Choice i
Cardholders' Choice i
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  • 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:
$450
Purchase Intro APR:
N/A
Purchase Regular APR:
17.24% - 24.24%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
17.24% - 24.24%*
Variable

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 26.24%* 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*

Rewards

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

Restaurants

3 points per dollar

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

Airfare

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
Toasty1221
Approved for $21k Inside Branch!
by Toasty1221
Helpful to 23 out of 23

I applied for this credit card back in March 2017 as I wanted to take advantage of the 100k signup points before it expired and went back to $50K. I saw that I had "very good" odds on CK so I went into the branch and applied. The whole process took less than ten minutes. Although I had a good feeling, I was still a bit nervous but soon the banker informed me that I was approved for $21,000. I should note that I also have a Chase checking account that I opened back in 2014 and opened a Chase savings account the month prior to applying for this card, not sure if that helps or not. I also have a Chase Freedom credit card. When I applied, I received a hard pull on both Experian and Equifax (check your state to see which bureau they pull from). My FICO score at the time was 733. This card is a VISA Infinite card so the minimum credit limit you will get is $10K, the Chase Sapphire Preferred is a VISA Signature card and the minimum credit limit you will get is $5K. As soon as I hit the $4K spend, the 100,000 points showed up on the Chase online portal.

After I was approved, I asked the banker transfer $5k of my new balance to my Chase Freedom credit card. I didn't want to ask for a CLI because Chase does a hard pull for CLI unlike Amex. I added my husband as an authorized user so my annual fee is $525 which showed up on the first statement, you have to pay it on the first due date. The $300 travel credit is applied each time you make a qualifying purchase. I already have TSA pre-check but I did apply for the Global Entry and paid for it with my new card and the $100 credit was applied to my account once the purchase posted. My husband and I use this card solely for restaurants and anything travel related; for all other purchases, we use our Chase Freedom cards. We each have our own and will combine points when we redeem them for travel (you get more out of your Freedom points if you transfer them to your Chase Sapphire Reserve card). I'm gardening for the next few months but plan to apply for the Chase Freedom Unlimited next for everyday purchases so that I can take advantage of the 1.5% cash back when the Chase Freedom quarterly bonus is not applicable. I think these three cards together are the best way to accumulate the most points to maximize your travel if that's what you're in to. 

 

My background: Average age of credit history is 5yrs 6 months; total inquiries before applying: Equifax 0, Experian 1; Total late payments on Experian & Equifax 8, my utilization was under 20% on both and I have 0 collections, 0 public records and 23 total accounts (some credit, some installment). Credit Cards: Amex Blue Cash $25K, BoFA $4,500, Chase Freedom was $1,500 now $5,500, Victoria's Secret $2,500. I'm also an authorized user on five of my husband's credit cards: Amex Blue Cash $12K, Chase Slate $2,900, Chase Freedom $3,800, and Chase Southwest VISA Sig $10K. 

 

Hope this review helps, folks. All the best!

 
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
M23j
Great card, bad customer service.
by M23j
Helpful to 6 out of 11

It’s a good card but trying to deal with the 3rd party chase uses for travel insurance has been horrible experience (card benefits services).   For that reason alone I will be taking my business elsewhere.  


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† 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 July 2017 through December 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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