Chase Sapphire Reserve® Reviews

Cardholders' Choice i
Chase Sapphire Reserve® Reviews
4.5 out of 5 stars
31 Reviews

From Cardholders in the last year


Application Process

4.5 out of 5 stars

Customer Service

4 out of 5 stars

4.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR 18.49% - 25.49%* Variable
  • Annual Fee $550
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 18.49% - 25.49%* Variable

Most Helpful Positive Review

Apr 15, 2019
"Great Travel Card"
GoHeels202 Cardholder

After doing my research about this card I was definitely interested but didn't have the best credit score so that made me nervous about applying. I had been trying to rebuild it over the past few months and at the time of applying I had my utilization down to 0% for 3 consecutive months, 2 late payments from 5 years ago, about 8 years of credit history and no other credit cards opened in the past few years. Credit score was a 669-671 and I was instantly approved for 14K. Can't wait to start using it and taking advantage of the perks that come with it. Hope this helps other people who may not have a high 700 score feel confident in applying and it really is the epitome of "you never know".

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Most Helpful Negative Review

Aug 07, 2019
Always having to call to make purchases
QueenDiva88 Cardholder

Had the card for about 2 months, and every time i try to make a big purchase my card gets declined and i have to call chase fraud department to notify them it’s me making the purchase. This has happened numerous times, even when i was in the store. It’s embarrassing to have your card declined when you know you have the money available. I’m sick of calling to ask to use the card every time i want to make a purchase. I want to cancel the account. 

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These reviews were written by current and former cardholders in the last year.

Jan 07, 2020
Not as good as Amex Platinum

Amex Platinum has more perks.

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Jan 10, 2020

But yet chase UR portal gives you 50% more value in your points to use for traveling. Amex doesn’t have that sadly

Feb 02, 2020

Would have to disagree with iron man. Compare them yourself. Although amex platinum is easier to get approved for than CSR

Dec 17, 2019
Horrible customer service
Grassblade Cardholder

The main perk of this card is travel and the sign on bonus is great. Until you have a problem... the website wasn't working for me to book a flight so I called in and they misspelled a passengers name. I have probably spent 18 hours over the past 2 months trying to get this resolved and each agent tells me something different. None of them can confirm anything and they can't seem to get it together! That makes the best part of the card also the worst part and as soon as I'm back from my trip I'm cancelling the card. Not worth it!

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Nov 29, 2019
Big Rewards (if you travel a lot)
DFWEVRYWR Cardholder

I debated between this and the AmEx Platinum. For international travel with no brand loyalty (which is me) this card is so much better. The felixibility of the rewards is far greater. I also immediately made $1000 when I got the card by transferring over 200,000 chase points from other cards to this one and getting the 50% bonus. The lounges and restaurants around the world are solid, chase rewards are fantastic and I’m excited to be over $400+ for the year on this card including the annual fees, etc. Approved for $32,500 limit within about a week. It wasn’t immediate. Credit is 800 trans union and 790 equifax. Also, I’ve determined you need to spend around $3600 on travel per year on this card in order to break even on the fees. Keep that in mind and don’t just apply because it’s metal! Haha.

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Dec 16, 2019

Why would you need to spend $3600 to break even with fees? It pays for itself after $300 travel credit and one or two other perks.

Oct 17, 2019
Excellent perks
Mvagusta Cardholder

Applied with a 730 FICO score and $110k income and was instantly approved for $25k limit. 

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Sep 30, 2019
sslack18 Cardholder

Applied for the CSR last week on the 25th. Got the awful we need to review your application message. Today 9/29 they called me and  verified some of my information and approved me for 15k!!! I am so happy I have been building my credit. My CS are TU 702 EF 698 and Ex 685! UT was at 26%. Credit karma said I had fair approval odds. I was going to apply for the CSP but had my heart set on this and I’m going on a vacation next month and really wanted the benefits of this card so I just went for it. I’m so happy that I did. If you are thinking of applying for this card I say just go for it ! Income is 96k a year! Good luck!

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Sep 17, 2019
Great benefit for travelers.
NDash Cardholder

I travel often so applying for this card was pretty much a no-brained for me. I cancelled my Chase Sapphire Preferred, wanted for a few dahs and then applied. I guess my credit score was quite comfortable, and got instant approval. 

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1 Reply
Nov 08, 2019

You should have product changed the Preferred to a Freedom Unlimited!!

Sep 14, 2019
Got it for the travel benefits
GiveMeTacos21 Cardholder

CK score- 696/694...  Applied as I was looking for travel benefits to supplement my work travel (ie Priority Pass membership and extra perks for my personal travel).  Applied on Monday, instantly approved, credit check has FICO of 706.  Received card on Wednesday.  Immediately switched my monthly auto pay bills to this card and set up auto pay to pay off at the end of the month.  Looking forward to continuing my points game with this card.  

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Sep 05, 2019
This card puts me on a different level !
Yamoore24 Cardholder

I applied for this card with a 673 TU, 675 EQ and 696 Exp.  My overall utilitization was about 28% and was instantly approved for $13,100.  Although most reviews say dont waste your time if you dont have atleast a 720+ I decided to give it a try and it worked.  Below is what I think helped the most:

1.  5/24 rule -  I had 4/24 (four cards open in past 2 years.)  I attempted the reserve 15 months ago and was declined BTW.

2.  One of my recently opened cards has a 20k CL (NFCU Amex).  Behind that before this card was a 3k CL from Delta Amex gold. I think having the larger credit limit in good standings helped the most.

3.  Credit utilization is important.  I've been keeping it under 30% consistently. 

I think if you meet the critera and your score is over 670 you should be good.  I was and I'm all smiles.  The benefits seem endless and it did not take a dangerously high credit score.  Hope this helps!

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Sep 11, 2019

What’s the point of having all that credit if you can’t use it? You stated you have to keep it under 30% utilization, right?
I’m not trying to offend you or anyone else but I don’t understand the point of having all that available credit if you technically can’t use it or you’ll be penalized.

Sep 11, 2019

only use what you can payback the same month.

Sep 22, 2019

Cable guy: that is the point of the strategies of having a good credit. Below 30% utilization is common, over that percentile tends to scare creditors. I learned the hard way of not being “credit wise” and thanks to Credit Karma, I have gained experience over the years and now I have decent credit (same points as Yamoore24 actually) and will improve my scores.

Sep 30, 2019

Thank you for your review! You are the reason why I went ahead and applied! I had to wait a few days I wasn’t instantly approved but today I got the call telling me I was approved! I am so excited!!

Sep 01, 2019
Best premium credit card
thunderboy Cardholder

I  apply for this card with 756 credit score from chase  and I get approved for $19800. i will use this card for vacations!

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Aug 26, 2019
Just got approved for $15,000!!

CK credit score 778 and 775 with a a fico score of 750, I wasn’t instantly approved but a few days after, I got a call to ask me a few security questions and I got approved, I’ll be receiving the card in a few days, can’t wait !!! 

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Aug 29, 2019

No mention of your credit limit you were approved for?

Sep 04, 2019

Lol... It's in the title of the post

Sep 08, 2019

What was the security questions they asked?

Oct 10, 2019

How many days is a few? A week? Just wondering so I can be on the lookout. Fhank!

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Chase Sapphire Reserve® Reviews

Chase Sapphire Reserve®

31 Reviews
Cardholders' Choice i