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Sapphire Reserve®

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Sapphire Reserve®
4.8

Annual fee:
$550

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.99% - 28.99% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

740-850 (Excellent)

Rewards Earn 10x points on hotels (excluding The Edit℠) and car rentals purchased through Chase Travel after spending $300 on travel annually. Earn 5x points on flights purchased through Chase Travel after spending $300 on travel annually. Earn 3x points on other travel purchases after spending $300 on travel annually. Earn 10x points on Chase Dining purchases and 3x points on other dining purchases. Earn 1x points on all other purchases.

1x - 10x Points

Welcome Offer Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. These points are worth $900 for travel through Chase Travel or $600 for cash.

60,000 Points

  • Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. These points are worth $900 for travel through Chase Travel or $600 for cash.
  • Earn 10x points on hotels (excluding The Edit℠) and car rentals purchased through Chase Travel after spending $300 on travel annually.
  • Earn 5x points on flights purchased through Chase Travel after spending $300 on travel annually.
  • Earn 3x points on other travel purchases after spending $300 on travel annually.
  • Earn 10x points on Chase Dining purchases and 3x points on other dining purchases.
  • Earn 1x points on all other purchases.
  • Annual fee is $550. Adding an authorized user costs $75.
  • No foreign transaction fees: Enjoy purchases abroad without extra charges.
  • Redeem your rewards: For cash, gift cards, travel, products, services, and more. Get 50% more value when redeemed for travel booked through Chase Travel.
  • Complimentary Airport Lounge Access: Unlimited access to over 1,300 lounges worldwide with up to two guests. Plus, enjoy access to every Chase Sapphire Lounge by The Club location after a one-time enrollment in your complimentary Priority Pass™ Select membership.
  • Sapphire Lounge by The Club: Refresh with locally inspired menus in a memorable atmosphere.
  • Annual travel credit: Receive a $300 credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Global Entry/TSA PreCheck®/NEXUS fee reimbursement: Receive up to $100 every four years for the application fee.
  • Private Dining Series: Enjoy memorable meal at sought-after restaurants in the country.
  • Reserved by Sapphire℠: Get VIP access to sports, festivals, dining and entertainment with exclusive lounges, early ticket sales, premium seating, and more.
  • DashPass membership: Get a one-year complimentary DashPass. After that, auto-enrolls at the current rate. Activate by December 31, 2024. Earn $5 in monthly DoorDash Credits through December 31, 2024.
  • Lyft Pink Membership: Get two years of complimentary Lyft Pink All Access, a value of $199/year. Activate by December 31, 2024. Includes 10% off Lux rides, free Priority Pickup upgrades, bikeshare discounts, and more. Auto-renews annually. Earn 10x points on Lyft rides through March 2025.
  • Instacart+ membership: Get a one-year complimentary Instacart+ membership. After that, auto-enrolls at the current rate. Activate by July 31, 2024. Receive up to $15 in statement credits each month through July 31, 2024.
  • The Edit℠: Book through The Edit℠ and explore a curated selection of exceptional accommodations, featuring exclusive benefits such as daily breakfast for two, a $100 property credit, room upgrades (subject to availability), and more.
  • 10x on Peloton purchases: Earn 10x on Peloton equipment and accessory purchases over $150. Maximum earning limit of 50,000 total points through March 31, 2025.
  • Visa Infinite Experiences: Include Concierge Service, the Luxury Hotel and Resort Collection℠, exclusive reservations, the Hit List dinner series, VIP access to events, special car rental privileges, and more.
  • Travel benefits: 1:1 point transfer, Trip Cancellation and Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Reimbursement, Trip Delay Reimbursement, Emergency Evacuation and Transportation Coverage, Baggage Delay Insurance, Travel Accident Insurance, Roadside Assistance, Travel and Emergency Assistance Services, and Emergency Medical and Dental Benefits.
  • Purchase protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
  • Return protection: Reimburses for eligible items the store won’t accept back within 90 days of purchase. Up to $500 per item, $1,000 per year.
  • Extended warranty protection: Extends the duration of the U.S. manufacturer’s warranty by one additional year for eligible warranties of three years or less.
  • Additional card features: 24/7 customer service, digital wallets, zero liability protection, fraud protection and fraud alerts, chip-enabled for enhanced security, and contactless checkout.
  • Regular APR: 21.99% - 28.99% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the terms and conditions.
Chase Sapphire Reserve® is a premium credit card offering elevated rewards on travel and dining, along with a generous welcome bonus. It features standout travel benefits and exclusive perks, making it ideal for frequent travelers.