Sapphire Reserve®

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Sapphire Reserve®
4.9

Annual fee:
$550

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.74% - 28.74% 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 three months. That's worth $900 when redeemed for travel through Chase Travel or $600 for cash.

60,000 Points

Welcome Offer

Earn 60,000 bonus points after spending $4,000 on purchases in the first three months. That’s worth $900 when redeemed for travel through Chase Travel or $600 for cash.


Rewards

  • 10x and 5x Points on Select Chase Travel Purchases (after spending $300 on travel annually):
    • 10x Points on Hotels (excluding The Edit℠).
    • 10x Points on Car Rentals.
    • 5x Points on Flights.
  • 3x Points on Select Categories:
    • 3x Points on Other Travel Purchases after spending $300 on travel annually.
    • 3x Points on Dining, including takeout and eligible delivery services.
  • 10x Points on Chase Dining Purchases with Ultimate Rewards®.
  • 1x Points on All Other Purchases.

Partner Benefits

  • Lyft: Earn 10x Points on Lyft rides through March 2025.
  • Lyft Pink Membership: Get two years of complimentary Lyft Pink All Access membership (valued at $199/year). Activate by December 31, 2024. After the two-year period, membership auto-renews at 50% off the annual rate for the third year, and at the full rate thereafter unless canceled.
  • Peloton: Earn 10x on Peloton equipment and accessory purchases over $150 when made directly through Peloton. There is a maximum earning limit of 50,000 points. Offer valid through March 31, 2025.
  • DoorDash: Enjoy complimentary DashPass membership for DoorDash and Caviar. Activate by December 31, 2027 to receive at least one year of benefits, including $0 delivery fees and lower service fees on eligible orders.
  • $5 Monthly DoorDash/Caviar Credit: Receive $5 in credits each month for DoorDash and Caviar orders. Offer valid through January 31, 2025.
  • $10 Off DoorDash Non-Restaurant Orders: Get $10 off two non-restaurant orders per month on DoorDash. Discounts are applied at checkout on eligible orders.

Lounge Access

  • Complimentary Priority Pass™ Select membership: Enjoy unlimited access to over 1,300 lounges worldwide for you and up to two guests.
  • Chase Sapphire Lounge by The Club: Relax and refresh with locally inspired menus, a curated selection of beverages, and an unforgettable atmosphere. To access these lounges, Sapphire Reserve cardmembers should enroll in their complimentary Priority Pass™ Select membership.
  • Air Canada Lounges: Sapphire Reserve cardmembers enjoy access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada, and Europe. Simply present your Sapphire Reserve card and a same-day boarding pass for a Star Alliance flight. Exclusions apply.

Redemption Options

  • Redeem your rewards for cash, gift cards, travel, products, services, and more.
  • 50% More Value on Travel Redemption: Get 50% more value when you redeem points for travel through Chase Travel.
  • 1:1 Point Transfer: Transfer your points to top airline and hotel loyalty programs at a 1:1 value. For example, 1,000 Chase Ultimate Rewards points equals 1,000 partner miles/points.

Fees and APR

  • Annual Fee: $550, with an additional $75 per year for each authorized user.
  • Regular APR: 21.74% - 28.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Annual Travel Credit: Receive a $300 credit for travel purchases charged to your card, annually on your account anniversary.
  • Global Entry/TSA PreCheck®/NEXUS Fee Reimbursement: Get up to $120 every four years for the application fee.
  • The Edit℠: Book through The Edit℠ to access a curated selection of exceptional accommodations, offering exclusive perks like daily breakfast for two, a $100 property credit, room upgrades (subject to availability), and more.
  • Special Car Rental Benefits: Receive VIP amenities, complimentary status upgrades, and discounts with Avis®, Hertz®, National®, and Audi On Demand when you book with your Sapphire Reserve Visa Infinite card.
  • Ennismore Hotel Benefits: Enjoy VIP perks at Delano, Hyde, Mondrian, Morgans Originals, and SLS hotels and resorts worldwide. Benefits include a complimentary 4th night, room upgrades, late check-out, priority cabana reservations, a $30 food and beverage credit, and more.
  • Other Travel Benefits: Includes Auto Rental Coverage, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, Emergency Evacuation and Transportation, and Emergency Medical and Dental.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
  • Return Protection: Reimburses for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item and $1,000 per year.

Exclusive Offers

  • Reserved by Sapphire℠: Enjoy VIP access to exclusive sports, festivals, dining, and entertainment experiences, including exclusive lounges, early ticket sales, premium seating, and more.
  • Private Dining Series: Enjoy memorable meal at sought-after restaurants in the country.
  • Visa Infinite Concierge Service: Get assistance with dinner reservations, Broadway shows, concert tickets, and sporting events.

Additional Features

Zero liability protection, fraud protection, 24/7 customer service, contactless checkout, compatibility with digital wallets, and chip-enabled for enhanced security.


Terms and Conditions

Click Apply Now to see the terms and conditions.

The Chase Sapphire Reserve® is a premium card offering elevated rewards on travel and dining, a generous welcome bonus, and standout benefits like a $300 annual travel credit and 50% more value on travel redemptions through Chase Travel. With perks like lounge access and comprehensive travel protections, it’s ideal for frequent travelers who can maximize its extensive benefits, despite the $550 annual fee.