Chase Sapphire Reserve® Reviews
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
Card Details
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 18.49% - 25.49%* Variable
- Annual Fee $450
- Purchase Intro APR Not Applicable
- Purchase Regular APR 18.49% - 25.49%* Variable
These reviews were written by current and former cardholders in the last year.
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Big Rewards (if you travel a lot)
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.
Excellent perks
Applied with a 730 FICO score and $110k income and was instantly approved for $25k limit.
APPROVED FOR 15k
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!
Great benefit for travelers.
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.
You should have product changed the Preferred to a Freedom Unlimited!!
Got it for the travel benefits
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.
This card puts me on a different level !
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!
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.
only use what you can payback the same month.
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.
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!!
Best premium credit card
I apply for this card with 756 credit score from chase and I get approved for $19800. i will use this card for vacations!
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 !!!
No mention of your credit limit you were approved for?
Lol... It's in the title of the post
What was the security questions they asked?
How many days is a few? A week? Just wondering so I can be on the lookout. Fhank!
Top Tier Card
Excellent card, superb value if you travel and enjoy perks/rewards. Applied through the link on creditkarma & received my card about a week later. Very nice starting/opening credit limit. An absolute must have in your wallet.
Wow! It is fantastic for travel!
The perks are great! Visited SA to drop my son at college, stayed in a hotel and used the card to pay... the next day the hotel charge was credited to my card! Can you say 300 a year credit for travel! Got approved with a 793 score and 205k income. 33500 limit. Thanks Chase!
Thank!! Good for you!