Chase Sapphire Reserve
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Benefits and fees last verified Jun 2026against the issuer's published terms.
100,000 Ultimate Rewards points for reaching $6,000 of spend in your first 3 months. $795 annual fee.
- Annual fee
- $795
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.
Earning Rates
At a glance
- $300 annual travel credit
- 8x on Chase Travel
- 4x on flights & hotels booked direct
- $500 The Edit hotel credit
Important considerations
- Annual fee to offset
This card carries a $795 annual fee. Make sure the credits and bonus categories you will actually use are worth more than that every year.
- High spend to earn the bonus
You must spend $6,000 within 3 months to earn the welcome bonus, which can be a stretch for lighter spenders.
Based on this card's terms last verified Jun 2026.
Earning rates
7- 5xtransit
$120 annual Lyft credit ($10/month in-app credits through 9/30/2027) plus 5x total points on Lyft rides through 9/30/2027
- 10x
$120 Peloton credit ($10/month statement credit on eligible Peloton memberships through 12/31/2027, activation required) plus 10x total points on eligible Peloton equipment and accessories over $150
- 8xtravel
8x points on purchases through Chase Travel (including The Edit)
- 4xlodging
4x points on flights and hotels purchased directly with the airline or hotel
- 3xdining
3x points on dining worldwide
- 1xeverything else
1x points on all other purchases
- 10xlodging
10x total points on The Edit hotel bookings through Chase Travel
Statement credits
20- $300Travel CreditYearly
$300 annual travel credit applied automatically to travel purchases
- $300Dining CreditTwice a year
Up to $150 in statement credits Jan-Jun and again Jul-Dec at Sapphire Reserve Exclusive Tables on OpenTable. $300 annual cap.
- $500The Edit Hotel CreditYearly
$500/year on prepaid bookings through The Edit by Chase Travel. Up to $250 per transaction. Effective Jan 2026: usable any time during the year (no longer split semi-annually).
- $250Chase Travel Hotels CreditYearly
$250 credit for select Chase Travel hotels (through 12/31/26)
- $288Apple TV+ / Apple MusicYearly
$288 in Apple TV+ and Apple Music subscriptions
- $120DashPass MembershipYearly
Complimentary DashPass membership (~$120/year value)
- $300DoorDash PromosMonthly
$25/month in DoorDash promos: $5 restaurant + two $10 non-restaurant promos. Resets monthly.
- $120Lyft CreditMonthly
$10/month in Lyft credits + 5x points (through 9/30/2027)
- $120Peloton CreditMonthly
$10/month statement credit on eligible Peloton memberships through 12/31/2027.
- $300StubHub CreditTwice a year
$150 statement credits Jan-Jun and Jul-Dec on StubHub/Viagogo through 12/31/2027.
- $120Global Entry/TSA PreCheckYearly
Up to $120 statement credit for Global Entry, TSA PreCheck, or NEXUS, every 4 years.
- $300$300 annual travel credit (statement credit on Chase Travel and select travel purchases, account-anniversary year)
- $300$300 annual dining credit at Sapphire Reserve Exclusive Tables on OpenTable ($150 Jan-Jun + $150 Jul-Dec)
- $500$500 The Edit hotel credit on prepaid Chase Travel curated-luxury hotel bookings ($250 per booking, two-night minimum; effective Jan 2026 usable any time in the year, no longer split semi-annually)
- $550The Edit on-property benefits
The Edit on-property benefits: $550+ average per stay including a property credit, daily breakfast for two, and room upgrade when available (in addition to the $500 statement credit)
- $250$250 Chase Travel Hotels credit through 12/31/26 on prepaid bookings with IHG, Montage, Pendry, Omni, Virgin Hotels, Minor Hotels, and Pan Pacific (two-night minimum)
- $300$300 StubHub / viagogo credit through 12/31/2027 ($150 Jan-Jun + $150 Jul-Dec, activation required)
- $120Global Entry, TSA PreCheck, or NEXUS application fee credit (up to $120 every 4 years)
- $75,000$75,000 annual-spend milestone bundle (calendar year)
$75,000 annual-spend milestone bundle (calendar year): $250 The Shops at Chase credit, $500 Southwest Airlines Chase Travel credit, Southwest Airlines A-List status, World of Hyatt Explorist status, and IHG One Rewards Diamond Elite status (benefits good for the remainder of the earning year plus the following calendar year)
- $75,000$75,000 in annual spend unlocks World of Hyatt Explorist, IHG One Rewards Diamond, a $250 Shops at Chase credit, a $500 Southwest credit, and Southwest A-List status.
Perks & memberships
12- MembershipComplimentary DoorDash DashPass membership ($120/year value) through 12/31/2027
- Membership$300 in annual DoorDash promos for DashPass members: $5 monthly restaurant promo + two $10 monthly non-restaurant (grocery/retail) promos, available through 12/31/2027
- Lounge accessChase Sapphire Lounge by The Club access at JFK, LGA, BOS, PHL, and a growing network, cardmember plus 2 complimentary guests
- Lounge accessPriority Pass Select lounge access at 1,300+ airport lounges worldwide with up to 2 complimentary guests
- Elite statusIHG One Rewards Platinum Elite status through 12/31/2027 (base perk; Diamond Elite is unlocked at the $75K annual spend milestone, see below)
- ConciergeReserve Travel Designers: complimentary custom-itinerary planning service valued at up to $300 per trip
- RedemptionPoints Boost: redeem points at up to 2 cents each on top hotels (including The Edit) and select airline flights through Chase Travel (replaces Pay Yourself Back)
- ConciergeComplimentary 24/7 Visa Infinite Concierge
- ConciergeDedicated Sapphire Reserve customer service line available 7 days a week
- No foreign feesNo foreign transaction fees
- Authorized users$195 annual fee per authorized user
- Authorized usersAuthorized user fee: $195 per authorized user.
Travel & purchase protections
14- Trip cancellation and interruption insurance up to $10,000 per person, $20,000 per trip
- Trip delay reimbursement up to $500 per ticket after a 6-hour or overnight delay
- Baggage delay insurance up to $100/day for 5 days after a 6-hour delay
- Lost luggage reimbursement up to $3,000 per passenger
- Auto rental collision damage waiver, primary coverage up to $75,000 (secondary inside the U.S. for New York residents)
- Roadside Assistance up to $50 per incident, 4 incidents per year (tow, battery, tire change, locksmith, fuel)
- Travel accident insurance up to $1,000,000
- Emergency Evacuation and Transportation coverage up to $100,000 when a covered injury or illness occurs 100+ miles from home
- Emergency Medical and Dental reimbursement up to $2,500 (subject to $50 deductible) when sick or injured 100+ miles from home
- Travel and Emergency Assistance Services: 24/7 legal, medical, and emergency referrals while traveling (cardmember responsible for third-party costs)
- Cell phone protection up to $1,000 per claim, $50 deductible, 3 claims per 12 months when bill paid with card
- Purchase Protection against damage or theft for 120 days from purchase (90 days for New York residents), up to $10,000 per claim and $50,000 per year
- Return Protection on items the store refuses within 90 days of purchase, up to $500 per item and $1,000 per 12-month period
- Extended Warranty Protection, adds 1 year to US manufacturer warranties of 3 years or less
More benefits & fine print (1)ShowHide
- $288 in Apple TV+ and Apple Music subscriptions complimentary through 6/22/2027 while you remain a cardmember (activation required)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
Transfer Partners
Full guide →Chase Ultimate Rewards points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:
How to Earn the Bonus
Spend $6,000 in the first 3 months to earn the 100,000 points bonus.
See the Current Offer
Earn 100,000 points
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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