Chase Sapphire Reserve®
Chase
Intro Offer
150,000 Bonus Points
Annual Fee
$795
Recommended Credit
740–850
Excellent
Rewards & Earn Rates
3X
Travel
3X
Dining
1X
Grocery
1X
Gas
1X
Other
$120
TSA Pre✓ · every 4 years
8x per $1 on Chase Travel purchases | 5x per $1 on qualifying Lyft rides (through September 30, 2027) | 4x per $1 on flights and hotels booked directly (not through Chase Travel) | 3x per $1 on travel and dining purchases | 1x per $1 on all other purchases
Why We Choose It
Upgrading to the Chase Sapphire Reserve card is one of the best choices I've made for my wallet. The $300 travel credit alone makes the effective fee just $250, and the benefits are worth way more than that.
More About the Chase Sapphire Reserve®
A premium travel card for frequent travelers seeking luxury perks and maximum rewards
Pros & Cons
Pros
- Higher 8X Earning On Chase Travel (New June 2025)
- Priority Pass Lounge Access
- $300 Annual Travel Credit
- Up To $300 Annual Dining Credit
Cons
- $795 Annual Fee (Increased 45% In June 2025)
- Must Use Travel Credit And Dining Benefits
- Complex Benefit Structure
- Lower 1X Earning On Everyday Purchases
See Rates & Fees (Terms Apply)
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Lounge access
Quoted from the issuer's own benefit terms. Guest rules and enrollment requirements differ by network and change without notice, so nothing here is reworded.
- Unlimited
Guests: Up to two guests free of charge.
What Chase Sapphire Reserve®'s terms say
Chase Sapphire Reserve cardmembers and authorized users enjoy complimentary access to any Chase Sapphire Lounge by The Club location with their physical Sapphire Reserve card, Chase-issued Priority Pass™ Select membership and eligible boarding pass within three hours of departure.
- Unlimited
Guests: Up to two guests free of charge.
What Chase Sapphire Reserve®'s terms say
Cardmembers can also access over 1,300 Priority Pass™ airport lounges with their digital Priority Pass Select membership, along with an eligible departing boarding pass within three hours of scheduled flight departure, with up to two guests free of charge.
