Chase Sapphire Reserve® Reviews

Cardholders' Choice i
Chase Sapphire Reserve® Reviews
Approval Odds

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4.8 out of 5 stars
36 Reviews

From Cardholders in the last year

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Application Process

4.5 out of 5 stars

Customer Service

4 out of 5 stars

5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR 18.74% - 25.74%* Variable
  • Annual Fee $450
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 18.74% - 25.74%* Variable

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

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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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!

Aug 25, 2019
Top Tier Card
cbvcsf06 Cardholder

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.

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Aug 22, 2019
Wow! It is fantastic for travel!
gjones73mcd Cardholder

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!

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Oct 10, 2019

Thank!! Good for you!

Aug 12, 2019
Excellent card for travel!
Ali05 Cardholder

I apply for this card with fair odds 734 and 741 and I get approved for 23300$ instantly. Don’t be afraid go for it!

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Sep 30, 2019

What was your income?

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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Aug 22, 2019

I have had the card for 2 years and have never had that problem. I would call Chase and see why this is happening.

Sep 03, 2019

Your full of shlt

Sep 11, 2019


Jul 25, 2019
Kviews Cardholder

My Credit karma score was TU 748 EQ 769 and EX FICO 8 score was 754. I wasn’t instantly approved. I called the reconsideration line and they told me my app was declined, it’s pending. They transferred me to another line to confirm my information and approved me for 16,300. This is my first and ONLY CHASE CARD. I was scared to apply cause i have ZERO history with this bank. Tried for the card cause i had one more slot on my 5/24. 

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Aug 22, 2019

How long before you got approval? I applied 08/20 and haven't heard from them yet. How many days did wait before you called recon line? Thank you in advance.

Oct 10, 2019

What number did you call?

Jul 11, 2019
6tea9 Cardholder

Applied for this card as I’m traveling a lot for work and wanted to capitalize on the points & benefits. CK said my scores were around 680 & I have about an 180k annual income. Received a call a few hours after the application was submitted from an unknown number, called them back and was approved for 10K after a few verification questions. Excited for all the perks!

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Jun 15, 2019
Packed with perks
Pro134 Cardholder

Huge sign up bonus and very good 3x rate on travel and dining. Airport lounge access is nice as is the $300 travel credit and $85 TSA Pre. So far we have used all those perks and already earned an additional 15k in rewards in just the first two months. Have not had to use customer service so can’t speak to it’s quality. 

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Aug 07, 2019

How do you know what lounges you have access to, I’m traveling at the end of the month

May 26, 2019
Fav travel card!
Nellybby Cardholder

I do love my chase sapphire reserve card , but i hate there customer service , it sucks. I maximize on my card and use it for travel and dining to get my 3x points and on anything else I use my other credit card. I would like to try out the Amex platnuim card or the MasterCard black card to see what the comparisons really are , but so far love my chase sapphire reserve 

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May 25, 2019
Excellent travel rewards card
mrkt09 Cardholder

Was approved in Feb 2019 with a 734 FICO, 771 CK TU, 90k income. Approved for 23,300 instantly, first Chase card and no other Chase relationships. Love the shopping portal (10X points easily becomes 15X when using th travel portal, more transferring to partners. Customer service has been... Okay. Not Discover by any means or AmEx, but not Capital One. Travel credit is extremely generic and encompassing and priority pass has goten me multiple free steak dinners on trips. Would recommend it if you can his the bonus requirement and the effective 150 fee make it a keeper for the lng term. Another often overlooked perk is National Emerald Executive status. Ive rented a midsize for 3 days for about 215 and got a premium lux SUV which is closer to 730 for the same trip! What a benefit.

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Jul 03, 2019

I’m considering getting this card myself. I always bought a previous relationship with chase would help your case. Did you apply online??

May 09, 2019
1000% Worth It
tnwamkpa Cardholder

I'll admit, the $450 annual fee scared me - the idea of paying that much for a credit card seemed ludicous to me. But this card is so worth it - I never thought I would rave about a credit card, but here I am. So far it has delivered on everything promised, including the $300 travel credit. I just came back from a trip to Morocco that I booked with points I earned with the Sapphire Preferred before I upgraded to the Reserve. Upgrading to the Reserve was an easy call to Chase a year after owning the Preferred card. The travel company I booked my Morocco trip with required travel insurance, which this cc covered, saving me about $100. I used the Priority Pass lounges at all airports I visited & was very happy with the free meals and drinks I enjoyed. I utilized the global entry & TSA precheck, which saved me a good amount of time & aggravation. So far the card has been worth more than the annual fee I paid.  If you travel a lot, you will love an appreciate this card. The perks and benefits are excellent.

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May 01, 2019
High balance hard
Jay1898 Cardholder

I have a 760/763/820 credit score with an income of 163k and was just approved for $33,500.  I also have a Discover (20k) Amex platinum and a few other lower balance cards. I havn't used this card yet but im excited about it. I'll update if I have any issuse. 

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Jul 07, 2019

Do they ask for verification or proof of income

Apr 30, 2019
Approved on second try, not instantly
Corto713 Cardholder

Trans: 748 - Eq: 745 - Exp: 720 /// 1 Year 7 Month history with 3 cards // ~$50,000 income // Denied for having too many credit inquiries (11 within past 12 months), then approved for $10,000 limit a month later with no changes (12 within past 12 months), after calling Chase Rep.

"Thank you for your request. We need to review your request a little longer." - I called the Chase App Status line 3 days after this message and was approved

Note: SEVEN of the 11-12 inquiries were from a dealership that sent my information to several other institutions without my consent.

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Jul 15, 2019

Was this your first chase card? I want to apply, but i don't have any chase cards or history with them.

Jul 24, 2019

Car dealerships pull from multiple places but I've read around that even if you have 20+, it still counts just as if it is just 1 pull. Creditors know you're shopping for best interest rate. So even with that seven that you have, it is considered as 1 pull.

Jul 24, 2019

I need to get my score up I see. A card like this I thought you had to have at least a 6 fig income, guess not. I'm at 65k but my highest score is a 690. I see I need to get in the 700s before thinking about applying for this card. Helpful review indeed.

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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Apr 27, 2019

What if u make $15 per hour and full time and got 700 credit scote

Jul 24, 2019

This was helpful. I'm not in the 700s yet either.

Sep 14, 2019

My credit card utilization is high and I wanted to get this card to kind of offset my credit card utilization.
I have 661/663 credit score and 99% payments on time I had 2 late payments in 7 years.
Nothing in collections but my utilization is high 70’s
Due to having a bunch of crappy small cards.
If I could get a nice limit and just not use it for a little while that would help me so much.

Apr 01, 2019
mehdi016 Cardholder

Went to chase branch and I was told that I was pre approved for both CSP and CSR. Transunion 747, Equifax 727 and 722 on my FICO 8. I was instantly approved for 10k !! 

Only 14 months of credit history ( capital one $800 and Amex magnet 10k). So happy to finally got this card, now ready to travel. 

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Mar 26, 2019
Thaiger2522 Cardholder

CK 803/813 FICO 790 $75k income got approved for $32k. I'm happy 🙂

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Mar 22, 2019
DonVon40 Cardholder

CK said that I had very good approval odds & I was approved for a $17,500 CL. Been repairing my credit for a few years now after my divorce almost crippled me! Scored were 690-710 at the time of applying & income was around $150K.

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Sep 14, 2019

What was your utilization at?

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Chase Sapphire Reserve® Reviews

Chase Sapphire Reserve®

36 Reviews
Cardholders' Choice i