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:
$450
Purchase Intro APR:
N/A
Purchase Regular APR:
16.74%-23.74%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
16.74%-23.74%*
Variable

Details, Rates & Fees

Click here for Additional Details

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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*

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
Supercap
Approved on second application
by Supercap
Helpful to 24 out of 24

I first applied for this card 6 months ago, score at the time was 710, but I had bankruptcy from 2007 still in my report. I was declined with the reason stating bankruptcy. Last month the bankruptcy fell off and my score jumped to 765, I reapplied and was approved with $20000 credit limit. Other than the bk I have 100% on time payments no collections, two cars paid off and a mortgage. Hope this helps someone. 

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
cstehr
Chase Customer Service Falls Flat
by cstehr
Helpful to 5 out of 18

The perks are pretty great IF you are able to use them. Read the fine print VERY carefully and proceed with caution as Chase's notoriously poor customer service disappoints yet again.

I opened my card on December 1st, intending on using up the 2016 annual travel credit, but my first statement inexplicably ended after two weeks on December 15th, causing my 2016 travel credit to expire. Customer service has been very unhelpful, insisting that it is my fault for not reading carefully. I insist that it is intentionally misleading to have my statement end after only two weeks of having the card open.

Once again, Chase's Draconian customer service policies are a letdown. I will be canceling this card as soon as I recoup my $450 annual fee and applying for a new premium credit card.


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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 June 2017 through November 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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