Chase Sapphire Reserve
Chase's premium travel card with airport lounge access, a large annual travel credit and elevated points on travel and dining.
Why it ranks
- Airport lounge access
- Generous travel credit offsets the fee
- Premium travel insurance
What holds it back
- High annual fee
- Best value only for frequent travelers
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
Chase's premium travel card with airport lounge access, a large annual travel credit and elevated points on travel and dining.
Chase Sapphire Reserve at a glance
| Issuer | Chase |
| Card network | Visa |
| Annual fee | $550 |
| Welcome bonus | Large points bonus after the minimum spend |
| Rewards rate | 10x hotels & cars via Chase Travel, 5x flights, 3x dining, 1x other |
| Intro APR | None |
| Regular APR | 22.49%–29.49% variable |
| Foreign transaction fee | None |
| Credit needed | Excellent (740+) |
| Best for | Frequent travelers who value lounge access and premium protections |
| Airport lounge access | Yes |
Rewards & benefits
- $300 annual travel credit
- Priority Pass + Sapphire Lounge access
- Global Entry / TSA PreCheck credit
- 50% more value through Chase Travel
Eligibility & who it suits
- Excellent credit score
- Subject to Chase 5/24 rule
- Higher income generally expected
How to apply
Check current rates on Chase’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | CChaseSapphire Reserve$550/yr · US Chase Sapphire ReserveFrequent travelers who value lounge access and premium protections |
$550/yr | 10x hotels & cars via Chase Travel, 5x flights, 3x dining, 1x other | Large points bonus after the minimum spend | None | Excellent (740+) | |
| 2 | CChaseSapphire Preferred$95/yr · US Chase Sapphire Preferred CardTravelers who want flexible points without a huge annual fee |
$95/yr | 5x travel (Chase Travel), 3x dining & streaming, 2x other travel, 1x everything… | 60,000+ bonus points after meeting the minimum spend | None | Good to Excellent (700+) | |
| 3 | COCapital OneVenture Rewards$95/yr · US Capital One Venture RewardsTravelers who want flat-rate miles with no category tracking |
$95/yr | 5x hotels & cars via portal, 2x miles on all other purchases | Miles welcome offer after minimum spend | None | Good to Excellent (700+) | |
| 4 | CCitiStrata Premier$95/yr · US Citi Strata Premier CardEveryday spenders who want broad 3x travel and grocery rewards |
$95/yr | 10x hotels, car rentals & attractions via Citi Travel, 3x air travel, restaurant… | 70,000+ bonus ThankYou Points after meeting the minimum spen… | None | Good to Excellent (700+) |
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