Chase Sapphire Reserve®: Luxury Travel Rewards and Exclusive Perks
The Chase Sapphire Reserve® is a premium travel rewards credit card designed for frequent travelers looking to maximize benefits on flights, hotels, dining, and everyday purchases.
With elevated point multipliers on travel and dining, a generous sign-up bonus, and exclusive travel perks, this card caters to those who want a high-value rewards experience.
Cardholders gain access to Chase Ultimate Rewards®, one of the most flexible and valuable rewards programs, along with luxury travel benefits, including airport lounge access, travel credits, and enhanced protections.
Benefits of the Chase Sapphire Reserve®
- Earn 60,000 bonus points – Get 60,000 Ultimate Rewards® points after spending $4,000 within the first three months (worth up to $900 in travel when redeemed through Chase Ultimate Rewards®).
- 10x points on Chase Dining & hotels – Earn 10x points on hotels and car rentals booked through Chase Ultimate Rewards®.
- 5x points on flights – Get 5x points on flights booked via Chase Ultimate Rewards®.
- 3x points on dining & travel – Earn 3x points on worldwide travel and dining purchases outside of Chase’s travel portal.
- $300 annual travel credit – Receive a $300 automatic statement credit for travel purchases each year.
- Priority Pass™ Select membership – Enjoy unlimited access to over 1,300 airport lounges worldwide.
- No foreign transaction fees – Travel abroad and make international purchases without extra charges.
- Comprehensive travel insurance – Includes trip cancellation/interruption coverage, primary car rental insurance, and baggage delay reimbursement.
Prerequisites for Applying
To qualify for the Chase Sapphire Reserve®, applicants must meet certain criteria. While Chase does not disclose exact approval requirements, successful applicants typically have:
- Excellent credit score – A credit score of 720+ is generally recommended for approval.
- Strong income – While no minimum is specified, a higher income may improve approval chances.
- 5/24 rule applies – Chase’s 5/24 rule means applicants who have opened five or more personal credit cards in the past 24 months may not be approved.
- U.S. residency – Must be a U.S. citizen or permanent resident with a valid SSN or ITIN.
Approval is based on creditworthiness, existing debt obligations, and financial stability.
About Chase Bank
Chase, a division of JPMorgan Chase & Co., is one of the largest financial institutions in the United States, offering a wide range of banking, credit, and investment services. With a history dating back to 1799, Chase has built a strong reputation for trust, reliability, and innovation in the financial sector.
The bank serves millions of customers nationwide through its 4,700+ branches and 16,000+ ATMs, as well as comprehensive digital banking solutions. Beyond consumer banking, Chase is known for its strong credit card portfolio, which includes cash back, travel, and business rewards cards.
As part of JPMorgan Chase & Co., Chase operates on a global scale, ensuring that cardholders receive world-class financial services, security, and customer support. The Chase Sapphire Reserve® is one of its most premium travel cards, designed to provide high-value rewards and luxury travel perks to frequent travelers.
What rewards and programs does the Chase Sapphire Reserve® offer?
The Chase Sapphire Reserve® stands out as a high-value travel rewards card, offering elevated point multipliers and exclusive travel perks. Unlike flat-rate rewards cards, this card maximizes earnings on travel and dining purchases, making it a top choice for frequent travelers.
Key rewards and benefits:
- 60,000 bonus points – Earn 60,000 Ultimate Rewards® points after spending $4,000 within the first three months. Redeeming these points through Chase Ultimate Rewards® increases their value by 50%, making them worth up to $900 in travel.
- 10x points on Chase Dining & hotels – Earn 10x points on hotels and car rentals booked through Chase Ultimate Rewards®.
- 5x points on flights – Flights booked via Chase Ultimate Rewards® earn 5x points, adding value for frequent flyers.
- 3x points on dining & general travel – Earn 3x points on worldwide dining and travel purchases made outside Chase’s travel portal.
- 1x points on all other purchases – Every other eligible purchase earns 1 point per dollar spent.
- $300 annual travel credit – Each year, $300 is automatically reimbursed for travel purchases, helping offset costs.
- 50% more value on redemptions – When booking travel through Chase Ultimate Rewards®, points are worth 50% more (e.g., 60,000 points = $900 in travel).
- Point transfers to airline & hotel partners – Convert points 1:1 to over 10 major loyalty programs, including United MileagePlus®, Southwest Rapid Rewards®, and Marriott Bonvoy®.
Unlike many travel rewards cards, the Chase Sapphire Reserve® provides premium travel benefits that go beyond points, including luxury perks, extensive travel protections, and access to exclusive experiences.
Initial credit limit
The Chase Sapphire Reserve® credit limit is determined based on creditworthiness, income, and financial profile. While Chase does not publicly disclose specific starting limits, general estimates are:
Minimum credit limit: Typically starts at $10,000, as this is a Visa Infinite® card.
Maximum credit limit: Can exceed $50,000+ for high-income and well-qualified applicants.
Chase periodically reviews accounts for potential credit limit increases, especially for responsible cardholders with strong spending and payment history.
Step-by-step to apply for the Chase Sapphire Reserve®
Applying for the Chase Sapphire Reserve® is a straightforward process that can be completed online in just a few minutes. Before applying, it’s recommended to check your credit score and ensure you meet the eligibility criteria, as this is a premium travel rewards card that typically requires a strong credit profile.
How to apply for the Chase Sapphire Reserve®:
- Visit the official application page – Go to the Chase Sapphire Reserve® webpage to begin the application process.
- Fill in personal details – Enter your full name, address, date of birth, and Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- Provide financial information – Chase will require details about your annual income, employment status, and housing situation.
- Review the terms and conditions – Carefully read the APR details, annual fee, rewards structure, and travel benefits before proceeding.
- Submit the application – Click “Submit” to send your request. Some applicants may receive an instant decision, while others might require further review.
- Receive your card – If approved, your Chase Sapphire Reserve® will arrive within 7–10 business days.
Application status: If a decision isn’t provided immediately, you can check your application status online or by calling Chase customer support.
Pros and cons of the Chase Sapphire Reserve®
Like any premium credit card, the Chase Sapphire Reserve® offers significant benefits, but also comes with potential drawbacks. Here’s a balanced look:
Pros:
- High-value rewards program – Earn up to 10x points on travel and dining purchases.
- $300 annual travel credit – Automatically applies to travel-related purchases each year.
- Luxury travel perks – Includes Priority Pass™ lounge access, trip insurance, and primary rental car coverage.
- No foreign transaction fees – Ideal for international travelers.
- 50% more value on Chase Ultimate Rewards® – Redeem points for flights, hotels, and car rentals at an enhanced rate.
Cons:
- $550 annual fee – A high upfront cost, although travel credits help offset it.
- Requires excellent credit – Approval is typically limited to applicants with a credit score of 720+.
- 5/24 rule restriction – Applicants who have opened five or more credit cards in the past 24 months may not qualify.
- Best rewards require Chase Ultimate Rewards® – To maximize value, you’ll need to book travel through Chase’s platform.
Fees and charges
While the Chase Sapphire Reserve® offers extensive travel benefits, it also comes with various fees. Below is a breakdown of key charges:
| Fee Type | Details |
|---|---|
| Annual fee | $550 |
| Authorized user fee | $75 per additional user |
| Foreign transaction fee | None |
| Balance transfer fee | 5% of the transfer amount ($5 minimum) |
| Cash advance fee | 5% of the amount withdrawn ($10 minimum) |
| Late payment fee | Up to $40 |
| Returned payment fee | Up to $40 |
| 0% Intro APR (purchases & balance transfers) | Not available |
| Variable APR | 22.49% – 29.49%, based on creditworthiness |
Customer service
Chase provides multiple customer service channels to assist cardholders with account management, dispute resolution, and general inquiries regarding the Chase Sapphire Reserve®.
Ways to contact Chase customer service:
Phone support:
- General inquiries: Call 1-800-432-3117 (available 24/7).
- Lost or stolen card: Call 1-800-432-3117 immediately to report and request a replacement.
- International support: If calling from outside the U.S., dial +1-302-594-8200.
Live chat:
- Available via Chase’s official website or Chase Mobile® App.
- Log in to your account to chat with a representative in real time.
Secure messaging:
- Send inquiries through your Chase online banking account for non-urgent requests.
Branch visits:
- Chase has over 4,700 branches across the U.S., where you can speak with a representative in person.
- Use the Chase branch locator to find the nearest location.
Mobile app support:
- Download the Chase Mobile® App from the Google Play Store or Apple App Store.
- The app allows you to track spending, check balances, make payments, and manage your rewards.
