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®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 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 Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
Annual Fee:
$450
Purchase Intro APR:
N/A
Purchase Regular APR:
19.24% - 26.24%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
19.24% - 26.24%*
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 27.24%* 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 dining at restaurants worldwide

Airfare

3 points per dollar

3X points on travel immediately after earning your $300 travel credit


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
ayeeandre
Finally got it!
by ayeeandre
Helpful to 136 out of 141

I've been working on repairing my credit for several months now with this credit card always in mind as the goal. Credit Karma had my approval odds at "Very Good". TU 708 EXP 707 FICO 730. $65k annual income. I have the Freedom, Freedom Unlimited and I've had accounts with Chase for almost 10 years. I went to Chase's website and applied for it on a gut decision and was approved instantly for a limit of $13,100. Called and had the card expedited :) I can't wait to finally have a credit card that will reward me. I'm almost 30. It's time for me travel! :)

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
Trishnichols
Unfair
by Trishnichols
Helpful to 204 out of 238

I applied and was approved for 24,000 CL. A week later, they closed my account stating I didnt have a long enough credit history. This created a hard inquiry on my credit for nothing.


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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 September 2018 through February 2019. 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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