Chase Bank USA
Chase Sapphire Reserve® Credit Card
A premium U.S. travel rewards credit card with Chase Travel rewards, airport lounge access, a flexible annual travel credit, transfer partners, travel protections, and premium lifestyle benefits.
Highlights
Main benefits
- Premium Chase travel rewards card
- 8x points on Chase Travel℠ purchases
- 4x points on direct flight and hotel bookings
- 3x points on dining worldwide
- 1x point on other purchases
- Up to $300 annual travel credit
- Chase Sapphire Lounge access
- Priority Pass lounge access after enrollment
- Access to select Air Canada lounges
- No foreign transaction fees
- Chase Ultimate Rewards® transfer partners
- Premium travel protections
- Visa Infinite benefits may apply
- Best suited for frequent travelers
Fees
Fees and charges
Joining fee
$795 annual fee for new cardholders under the updated Chase Sapphire Reserve pricing.
Renewal fee
$795 annual fee
Annual fee waiver
No standard annual fee waiver. The card has a premium annual fee.
- Travel credit / annual benefit**
Up to $300 annual travel credit for eligible travel purchases each account anniversary year; Purchases that qualify for the $300 annual travel credit do not earn points.
Who can apply
Eligibility
Best suited for U.S. applicants with excellent credit and enough income/spending profile to justify a premium travel card. Approval depends on Chase’s review of credit history, income, debt obligations, identity verification, and other underwriting factors.
Checklist
Documents required
- Government-issued ID
- Social Security Number or ITIN, where applicable
- U.S. residential address
- Income/employment details
- Date of birth
- Contact details
Process
How to apply
1. Visit the official Chase Sapphire Reserve® Card page
2. Review the latest welcome offer, APR, annual fee, reward rates, credits, and lounge terms
3. Click “Apply Now” or sign in to apply faster
4. Enter personal, income, and contact details
5. Submit the application and wait for Chase’s decision
Value
Reward and cashback structure
Reward rate
8x points on purchases through Chase Travel℠;
4x points on flights and hotels booked directly;
3x points on dining worldwide;
1x point on other purchases.
The updated reward structure has been reported as part of Chase’s Sapphire Reserve overhaul, while Chase’s official page confirms the card continues to include premium travel rewards and benefits.
Cashback
Not primarily a cashback card. Rewards are earned as Chase Ultimate Rewards® points, which can be redeemed for travel, cash back, gift cards, statement credits, and transfers to eligible airline and hotel partners.
Good fit
Pros
- Strong premium travel benefits
- Flexible $300 annual travel credit
- Airport lounge access included
- Good rewards on travel and dining
- Chase Ultimate Rewards® points are highly flexible
- Points can transfer to airline and hotel partners
- No foreign transaction fees
- Useful travel insurance and purchase protections
- Good for users already in the Chase ecosystem
- Premium hotel and travel benefits can add value
Watchouts
Cons
- Very high annual fee
- Not ideal for casual travelers
- Best value requires using multiple credits and benefits
- Some rewards require booking through Chase Travel℠
- No specific fuel surcharge waiver
- Only 1x points on general non-bonus purchases
- Priority Pass and lounge guest rules can change
- Requires excellent U.S. credit eligibility
- Less useful for users who prefer simple cashback
Related
Related cards
Compare
Compare Cards
| Field | Chase Sapphire Reserve® Credit Card | Capital One Venture X Rewards Credit Card |
|---|---|---|
| Bank/provider | Chase Bank USA | Capital One |
| Joining fee | $795 annual fee for new cardholders under the updated Chase Sapphire Reserve pricing | $395 annual fee |
| Renewal fee | $795 annual fee | $395 annual fee |
| Best for | Frequent travelers, airport lounge access, Chase Ultimate Rewards® points, international travel, premium hotel bookings, dining, users who can use travel and lifestyle credits | Frequent travelers, airport lounge access, international travel, simple travel rewards, Capital One Travel bookings, users who want premium benefits with lower effective cost than many luxury travel cards |
| Reward rate |
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| Cashback |
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| Lounge access |
| Capital One Venture X primary cardholders get access to Capital One Lounges and 1,300+ participating lounges worldwide through Priority Pass after enrollment |
| Fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver |
| Welcome benefit |
| Capital One currently lists 75,000 bonus miles for Venture X, subject to meeting the required spending terms shown during application |
| Annual fee waiver condition |
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| Eligibility |
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| Apply link | Apply Now | Apply Now |