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Updated September 21, 2017

Chase Sapphire Reserve Review: Why $450 Worth It

Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.
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An ultra premium travel credit card has arrived: the Chase Sapphire Reserve. But it has a $450 annual fee. Is it worth it? Read this review to decide.

Overall Score

4.2

Rewards

4.5

Fees

3.0

Benefits

5.0
5-point scale (the higher, the better)

Pros and Cons

  • Bonus points
  • Annual travel credit
  • Elite travel benefits
  • $450 annual fee
  • No introductory annual fee
  • No intro APR

Bottom Line

Ultra premium credit card for luxury travelers

Rule of thumb: If you spend at least $300 in travel purchases per year AND $278 per month on dining, you should consider the Chase Sapphire Reserve. We'll explain below.

The Chase Sapphire Reserve went viral when it was released in August 2016, thanks to its massive bonus, increased rewards rate, and long list of travel benefits. The card has swapped its original 100,000 points bonus for a 50,000 point bonus, and still comes with a hefty $450 annual fee.

So, is the Chase Sapphire Reserve still worth it?

The jaw-dropping annual fee, perks, and benefits definitely put the Chase Sapphire Reserve in the league of luxury travel cards. Despite its smaller bonus, we still feel like the rewards and benefits do it justice.

In this article:

What is the Best Chase Credit Card Promotion for 2017?

Who This Card is Good For

  • Frequent travelers. This card is made for travelers. You get 3x points on travel and a $300 annual travel credit. Your points can be redeemed for travel on the Chase travel portal at 50% more value or be transferred to Chase airline and hotel partners at a 1:1 ratio. (See below for other must-have travel benefits this card offers.)

    Counterpoint: If you're more of a casual traveler but still want to accumulate points for a vacation, consider the Chase Sapphire Preferred instead. It has an introductory annual fee of $0 the first year, then $95.

  • Frequent diners. You also get 3x points on eating out. So even if you're not making a lot of travel purchases, you can still rack up points if you dine out often.

  • International travelers. You get Priority Pass Select membership and application fee reimbursement for Global Entry. Both are perks useful for those who travel abroad.

Why We Like Chase Sapphire Reserve

Some cards offer good rewards but mediocre benefits, or vice versa. The Chase Sapphire Reserve has both. Here are reasons to seriously consider this card:

  1. Sign-up bonus: New card members can earn 50,000 bonus points after spending $4,000 on purchases within the first 3 months of account opening.

    What is this worth? When you redeem your points for travel through Chase Ultimate Rewards, they are worth 1.5 cents each, making those 50,000 point bonus a $750 value. This is more than you would get with the Chase Sapphire Preferred, which gives you 1.25 cents value per point when you redeem your points for travel through Ultimate Rewards.

  2. 50% bonus when you redeem points for travel on Ultimate Rewards: As we mentioned earlier, your points are worth 50% more when you redeem points for travel on the Ultimate Rewards travel portal. So your points are always going to be worth at least 1.5 cents each. This means that a $450 flight will only cost 30,000 points when you redeem through Chase Ultimate Rewards.

    You can book travel on Ultimate Rewards with any airline, for any dates. So you have completely flexibility and don't have to worry about seat restrictions or blackout dates.

  3. 3x points on travel and dining: You will earn 3x points on travel purchases and restaurants worldwide. This is a nice increase from the 2x points you earn on travel and dining with the Sapphire Preferred. All other purchases earn 1 point per dollar.

    We love that Chase has made this card rewarding for everyday use. A lot of other high-end travel cards focus on travel perks instead of earning rewards with purchases. With 3x points on travel and dining, you'll rack up points fast.

  4. $300 annual travel credit: Every year, you will get up to a $300 credit applied automatically to your statement as reimbursement for travel purchases charged to your card. This credit is eligible for any travel purchase (such as spending on flights, hotels, and trains). It's not locked into any particular airline, unlike the AMEX Platinum (from American Express, a CreditDonkey partner) which requires you to designate a specific airline.

    This is huge news. As long as you can spend at least $300 in travel expenses a year, this card is worth considering. This effectively helps justify $300 out of the $450 annual fee.

  5. $100 TSA Pre or Global Entry: Every 4 years, you can choose to get a $100 application fee credit for either TSA Pre (expedite security screening) or Global Entry (expedite customs). You're automatically credited for 1 application per account. So if you don't need it, you can "gift" it to someone else.

    Our tip: between the two, we recommend Global Entry if you qualify. Global Entry is more expensive ($100 for 5-year membership vs. $85 for 5-year membership), but it includes TSA Pre. So you kill both birds with one stone (or both memberships with one application).

  6. Airport lounge access: The Chase Sapphire Reserve includes airport lounge access via Priority Pass, the largest independent airport lounge access network. Membership gives you access to more than 1,000 airport lounges worldwide, with many of those lounges offering complimentary food, beverages, work space, and Wi-Fi. You'll need to enroll in advance.

    This is the equivalent of the Prestige membership, which costs $399/year. Actually, the coverage is even better than the Prestige, as you can bring guests into the lounges at no extra cost (while guests are $27 each with Prestige). Keep in mind though individual lounges may have their own guest rules.

  7. 1:1 points transfer: Points can be transferred to partner airline and hotel programs at a full 1:1 value and with no fees.

    Airline transfer partners include Southwest Airlines Rapid Rewards, United Airlines MileagePlus, British Airways Executive Club, Air France Flying Blue, Singapore KrisFlyer, Korean Air SkyPass, and Virgin Atlantic Flying Club. Hotel partners include Marriott Rewards, Hyatt Gold Passport, IHG Rewards Club, and Ritz Carlton Rewards.

    We find that transferring your points will often earn the best value and reward redemption rate.

  8. No foreign transaction fees: As with any good travel card, the Chase Sapphire Reserve does not charge a foreign transaction fee for purchases made outside of the U.S.

    Chase is also accepted almost everywhere worldwide, so this feature really comes in handy if you travel a lot internationally.

    Note: Chase Sapphire Reserve uses Chip & Signature technology. This means that you still have to provide a signature any time you use your card. On the other hand, Chip & PIN cards require that you enter a pin number to complete the transaction. Some unmanned kiosks in Europe (such as in train stations and gas stations) only support Chip & PIN cards. Keep this in mind if you're planning to travel to Europe, as those kind of places may not support the Chase Sapphire Reserve. Barclaycard Arrival Plus is a card with Chip & PIN technology.

  9. Visa Infinite Concierge: A lot of luxury card holders forget this is a service available to them, but it really could be a godsend. Visa Infinite Concierge can help with making reservations at busy or international restaurants, getting entertainment tickets, or planning a trip. The service is free, but you'll have to pay for anything you want to buy, of course.

    Note: Chase Sapphire Reserve does NOT give you complimentary hotel elite status, unlike the AMEX Platinum which gives you SPG Gold and Hilton Honors Gold.

  10. $75 for authorized users: The Chase Sapphire Reserve will charge $75 per year for each authorized user. Authorized users get Priority Pass Select membership. They also get 3x points on travel and dining purchases, but don't benefit from their own Global Entry/TSA-Pre credit or the $300 travel credit.

Reasons to Skip It

We have to admit that we're kind of drooling over the new Sapphire Reserve, but because we always aim to be fair, here are some reasons you might want to skip this card:

  1. The $450 annual fee: The fee is steep, but like we said, that $300 travel credit helps justify the expense. Add in the complimentary lounge access and it's clear that the value of the card is justifiable to frequent travelers. If you don't spend enough annually on travel, you may want to consider the Chase Sapphire Preferred instead.

    Tip: But we understand that you may not be comfortable without some hard numbers, so here's the math:

    Assume you spend just $65/week on dining out and travel. At 3x points per dollar, that equals $3,380 in a year, or 10,140 points. This equals just over $150 when you redeem the points for travel through Chase Ultimate Rewards. Combined with the $300 annual travel credit, you'll see why the benefits justify the $450 annual fee. Of course, you'll get even more rewards with any extra you spend.

  2. Strict approval process: Generally speaking, you will need excellent credit to qualify for this card.

    Keep in mind: Chase has stricter application rules for their credit cards in general. It has a 5/24 rule, where if you opened 5 new credit cards in the past 24 months, you might not be eligible, even if you have amazing credit.

Chase Sapphire Reserve Application

© CreditDonkey

To apply or see if you are pre-approved, stop by a local Chase branch or visit their website. Keep in mind that, due to high demand, it's been known to take a few weeks to receive approval. Don't wait until the last minute to apply if you have an upcoming travel purchase to make.

Did you know: The luxury Chase Sapphire Reserve card was so insanely popular when it was first released that the manufacturer actually ran out of the materials to make it. Thankfully, that was temporary and metal cards were soon mailed out to those approved.

Reserve Benefits

© CreditDonkey

The Chase Sapphire Reserve is loaded with the same travel protection and purchase protection benefits that Chase Sapphire Preferred users enjoy, potentially saving you money on all kinds of travel hiccups.

Travel Protection Benefits We Like:

  • Trip Cancellation/Trip Interruption Insurance: Do you need to cancel a trip because of sickness or severe weather? With trip cancellation/trip interruption insurance, you can be reimbursed for up to $10,000 per trip for your prepaid, non-refundable travel expenses, including airfare, tours and hotels.

  • Primary Auto Rental Collision Damage Waiver: If you rent a car, you can decline the rental company's collision insurance. Unlike many credit cards with secondary coverage, the Chase Sapphire Reserve offers primary coverage for auto rental collision damage waiver. The coverage provides reimbursement for up to $75,000 for theft and collision damage for most rental cars.

    You also get rental privileges with National, Avis, and Silvercar. Benefits may include discounts and upgrades.

  • Roadside Assistant: Ever had an emergency while driving? Chase's roadside assistance covers up to $50 per incident, up to 4 times a year. Available services include towing, jumpstarting, tire changes, locksmith services, or gas fill-ups.

  • Lost Luggage Reimbursement, Trip Delay Reimbursement, and Baggage Delay Insurance: If your flight is delayed by more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses (such as meals and lodging) for up to $500 per ticket.

  • Emergency Medical Care: Sick on a trip? If you are at least 100 miles from home, you can get reimbursed for emergency medical care up to $2,500 for you or immediate family members. This includes coverage for emergency evacuation up to $100,000.

Purchase Protection Benefits We Like:

  • Price Protection: If an eligible purchase you made in the U.S. is advertised for less (in print or online) within 90 days, you can be reimbursed the difference for up to $500 per item, up to $2,500 per year.

  • Return Protection: You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.

  • Extended Warranty Protection: This benefit extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of 3 years or less.

Lounge Access

Priority Pass Select membership gives you and a guest access to over 1,000 lounges in the Priority Pass Select network. That means you don't have to fly business or first class to enjoy the benefits of Priority Pass lounge access. But keep in mind, enrollment is not automatic. You have to request to activate this benefit on Chase's website once your card is approved. Do this early, as it will take time for Priority Pass to mail out your membership card.

Note: Unlike some other cards, Chase Sapphire Reserve does not grant complimentary access to certain popular airline lounges. If you're a frequent traveler of the below airlines, consider whether another card will be more beneficial to you.

Read more for the best credit cards with lounge access.

How It Compares

© CreditDonkey

Chase Sapphire Reserve vs. AMEX Platinum: The Chase Sapphire Reserve is a worthy contender against the Platinum Card from American Express (a CreditDonkey partner) another popular card in the high-end travel card category.

While the AMEX Platinum offers more benefits, for some, the Sapphire Reserve may offer better value for everyday use. It depends on how (and how often) you travel.

The AMEX Platinum shines with its Platinum Concierge Service, access to Centurion Lounges and Delta SkyClub lounges, premium Uber benefits, complimentary Boingo membership, complimentary SPG Gold status, and complimentary Hilton Honors Gold status. Added together, the value of these Platinum benefits make up for the steep $550 annual fee, for luxury travelers.

However, the Sapphire Reserve may be better for everyday use.

The Chase Sapphire Reserve has more flexible annual travel credit, and its 3x points on dining offers great value for those who don't travel as frequently. The AMEX Platinum offers only a $200 airline credit for incidentals with a selected airline of your choice, while the Sapphire Reserve's $300 credit can cover any travel purchase.

Remember, too, that American Express is not accepted everywhere, while Visa is accepted pretty much worldwide. Here is a side-by-side comparison:

 

Chase Sapphire Reserve

The Platinum Card® from American Express

 

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Up to $200 for Uber rides annually. Credit and Uber VIP status available to Basic Card Member only.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Terms Apply.
  • See Rates & Fees
 

Interest Rates and Fees

Purchase APR16.99% to 23.99% Variable based on your creditworthiness and other factorsN/A
Balance Transfers APR16.99% to 23.99% Variable based on your creditworthiness and other factorsN/A
Annual Fee$450 annual fee$550 annual fee
 

Benefits and Features

Airline RewardsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programsAirline Rewards: 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
Point RewardsPoint Rewards: 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.Point Rewards: Earn 1 point for virtually every dollar spent.
Airline StatusAirline Status: $300 Annual Travel Credit (as reimbursement for travel purchases charged to your card).
Complimentary Priority Pass™ Select membership for access to 1,000+ airport lounges worldwide. Enrollment required for Priority Pass Select
Airline Status: $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline. Terms Apply.
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include United Airlines, Southwest Airlines, British Airways, Air France, Korean Air, Singapore Airlines, and Virgin Atlantic.Airline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
 Apply Now

Chase Sapphire Reserve: Pricing information including interest rates, benefits and fees was obtained on July 17, 2017 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Chase Sapphire Reserve has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Chase Sapphire Reserve vs Citi Prestige:

The Citi Prestige is another popular luxury travel reward card. You get 3x points on airfare and hotels, and 2x points on dining and entertainment. So this may be a better card if you spend a lot of entertainment, like going to the movies or concerts. Otherwise, the Sapphire Reserve's 3x on dining may let you earn more points.

Both cards have similar benefits, including complimentary Priority Pass Select membership and credit for Global Entry application. Citi Prestige offers an annual credit of $250 for air travel purchases, such as airfare, upgrades, and baggage fees. This is not as flexible as Sapphire Reserve's $300 credit for any travel purchase.

However, one other major advantage is that you get a complimentary night for a 4-night stay at any hotel (when booked through the ThankYou Travel Center or Citi Prestige concierge). If you use this perk, it can add up to quite a bit of savings.

Another thing to consider is the airline partners of both cards. Chase is partnered with United and Southwest, while Citi's only domestic carrier is JetBlue.

 

Chase Sapphire Reserve

Citi Prestige

 

Interest Rates and Fees

Purchase APR16.99% to 23.99% Variable based on your creditworthiness and other factors16.74% to 24.74%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR16.99% to 23.99% Variable based on your creditworthiness and other factors16.74% to 24.74%* (Variable) based on your creditworthiness and other factors
Annual Fee$450 annual fee$450 annual fee
 

Benefits and Features

Points DealIntroductory Bonus Reward Points: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward airfare, hotels, car rentals and cruises when you redeem through Chase Ultimate Rewards®Introductory Bonus Reward Points: Earn 75,000 bonus points after you spend $7,500 in purchases within 3 months of account opening. (Bonus points are not available if you have had a ThankYou Preferred, ThankYou Premier or Citi Prestige card opened or closed in the past 24 months)
TravelTravel Rewards: 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
1:1 point transfer to leading airline and hotel loyalty programs
 
AirlineAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programsAirline Rewards: Earn 3x points on air travel
HotelHotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programsHotel Rewards: Earn 3x points on hotels
PointsPoint Rewards: 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.Point Rewards: Earn 1x points on other purchases
Airline StatusAirline Status: $300 Annual Travel Credit (as reimbursement for travel purchases charged to your card).
Complimentary Priority Pass™ Select membership for access to 1,000+ airport lounges worldwide. Enrollment required for Priority Pass Select
Airline Status: $250 Air Travel Credit each year for flight-related expenses such as airline tickets, baggage fees and upgrades.
Complimentary Priority Pass™ Select membership.
Receive a statement credit as reimbursement for your Global Entry or TSA Pre application fee (up to $100 every 5 years).
Hotel Status Hotel Status: Complimentary 4th night stay on minimum 4-consecutive night hotel stay booked through ThankYou.com or Citi Prestige Concierge.
RestaurantDining Rewards: 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.Dining Rewards: Earn 2 ThankYou Points per dollar spent on purchases for dining at restaurants and entertainment
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include United Airlines, Southwest Airlines, British Airways, Air France, Korean Air, Singapore Airlines, and Virgin Atlantic.Airline Transfer Partners: Airline transfer partners include Asia Miles, EVA Air (Star Alliance), Etihad Guest, Flying Blue, Garuda Indonesia (SkyTeam), Malaysia Airlines (Oneworld), Qantas, Qatar Airways (Oneworld), Singapore Airlines (Star Alliance), Thai Airways (Star Alliance), and Virgin Atlantic.

Chase Sapphire Reserve: Pricing information including interest rates, benefits and fees was obtained on July 17, 2017 from published websites and is believed to be accurate, but not guaranteed.

Citi Prestige: Pricing information including interest rates, rewards, benefits and fees was obtained on September 1, 2017 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Chase Sapphire Reserve and Citi Prestige® Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Chase Sapphire Reserve vs Preferred: The Chase Sapphire Preferred has long been a favorite of travelers for its flexibility of use and good rewards rate. Compared to the new Sapphire Reserved, it's like a baby version, with a way smaller annual fee of $95.

However, that smaller annual fee also gets you smaller rewards.

The Sapphire Preferred offers 2x points on travel and dining, compared to the Reserve's 3x points on travel and dining. Both cards offer 1x points on all other purchases. You can use those points to book travel through Chase Ultimate Rewards at a 20% discount, or transfer points at a 1:1 rate to a partner travel program. Unlike the Reserve, the Preferred does not offer any ultra-premium perks such as lounge access, annual travel credit, or TSA Pre/Global Entry credit.

Here is a side-by-side comparison of the Chase Sapphire Reserve and Preferred:

 

Chase Sapphire Reserve

Chase Sapphire Preferred® Card

 

Interest Rates and Fees

Purchase APR16.99% to 23.99% Variable based on your creditworthiness and other factors16.99% to 23.99% Variable based on your creditworthiness and other factors
Balance Transfers APR16.99% to 23.99% Variable based on your creditworthiness and other factors16.99% to 23.99% Variable based on your creditworthiness and other factors
Annual Fee$450 annual feeIntroductory Annual Fee of $0 the first year, then $95
 

Benefits and Features

Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward airfare, hotels, car rentals and cruises when you redeem through Chase Ultimate Rewards®Introductory Bonus Reward Points: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Airline RewardsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Point RewardsPoint Rewards: 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.Point Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Airline StatusAirline Status: $300 Annual Travel Credit (as reimbursement for travel purchases charged to your card).
Complimentary Priority Pass™ Select membership for access to 1,000+ airport lounges worldwide. Enrollment required for Priority Pass Select
 
 Apply Now

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Chase Sapphire Reserve: Pricing information including interest rates, benefits and fees was obtained on July 17, 2017 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Chase Sapphire Reserve has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

In our opinion, the Chase Sapphire Preferred is a great stepping-stone for people not yet ready to commit to a $450 annual fee. If you travel only occasionally, the Chase Sapphire Preferred is easier to justify. Read our in-depth Chase Sapphire Preferred vs Reserve article to learn more.

Chase Sapphire Preferred Card
Apply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
16.99% - 23.99% Variable
Introductory Annual Fee of $0 the first year, then $95

Frequently Asked Questions

  • How much is each Sapphire Reserve point worth?
    This depends on how you redeem them. If you purchase travel through the Chase Ultimate Rewards travel portal, each point is worth 1.5 cents. Since you get 3x points on travel & dining purchases, this means that each of your dollars spent on travel and dining can be redeemed for as much as 4.5 cents if you redeem them for travel through Chase Ultimate Rewards. You can make each point worth even more by transferring your points to airline and hotel partners.

    Redeeming for statement credit or direct deposit makes each point worth only 1 cent.

  • What airline and hotel partners can you use with Chase Sapphire Reserve?
    Here are the current Chase Sapphire Reserve airline transfer partners:

    Hotel partners are:

  • What counts as travel to use the $300 annual credit?
    Chase considers the following as travel: airlines, hotels, motels, timeshares, rideshares (such as Uber), car rentals, cruises, travel agencies, discount travel sites, campgrounds, trains, buses, taxis, limos, ferries, highway & bridge tolls, and parking lots and garages. Though not specifically stated, community-powered services, such as Uber and Airbnb, count as travel too.

    Things NOT considered travel include: real estate agents, in-flight services, on-board cruise services, sightseeing activities & tourist attractions, excursions, and merchants within hotels and airports.

  • How does this credit work?
    It's automatically credited to your statement after a travel purchase. If you make a lot of small purchases, you'll get credited back until you reach $300. If you make a large travel purchase, you'll be credited up to $300 of it.

    This credit resets on each anniversary year (for applications submitted on or after May 21, 2017), and leftover amounts are NOT rolled over.

  • Can the $300 travel credit count as part of the minimum spend?
    Yes. You can purchase travel items as part of your minimum spend period, and get the $300 annual credit reimbursement. You do not need to spend another $300 to meet the $4,000 requirement.

  • Is it worth it to add authorized users?
    It depends on how frequently your authorized user flies, and whether you need help meeting the spending minimum or earning points. If your authorized user flies frequently, they can make up for the $75 fee by taking advantage of the Priority Pass Select lounge access. Authorized users earn 3x points on travel and dining, so having one will help you meet the minimum spend easier and rack up points faster. Chase also lets you transfer points to your authorized user's hotel or airline loyalty programs, so you can gift them points if they need a little bit of help to get a free night or flight.

  • Can I transfer or pool the points with other cards?
    Yep. The Sapphire Reserve is part of the Ultimate Rewards family of cards. So you can pool your points with any of the following cards: Sapphire Preferred, Freedom, Freedom Unlimited, Ink Business Cash, and Ink Business Preferred.

    You can also transfer your points to Ultimate Rewards cards belonging to anyone in your household, as long as they share the same address.

Bottom Line

© CreditDonkey

Is a $450 annual fee credit card worth applying for? It depends on your lifestyle. While the annual fee is steep, the rewards offered by this card are excellent, from the sign-up bonus to the impressive reward rate and a wide array of travel perks. If you're a frequent traveler, the Chase Sapphire Reserve is a worthwhile card to consider.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase.

Disclaimer: This content was first published on October 30, 2016. This content may have been updated on September 21, 2017. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check Chase website for updated information.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Chase Sapphire Reserve, Chase Freedom, Ink Business Cash Credit Card, Citi Prestige® Card, and Citi® / AAdvantage® Executive World Elite™ Mastercard® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

More from CreditDonkey:


Chase Sapphire Preferred Review


Redeem Chase Ultimate Rewards


Chase Ultimate Rewards Review

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Compare Chase Sapphire Reserve to:

Compare Chase Sapphire Reserve vs Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Compare Chase Sapphire Reserve vs American Express Platinum

The Platinum Card® from American Express

Compare Chase Sapphire Reserve vs Premier Rewards Gold Card

Premier Rewards Gold Card from American Express


Chase Sapphire Preferred

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About CreditDonkey®
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*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.