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Chase
Chase Sapphire Reserve
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VisaChase
Chase Sapphire Reserve
4.5
(1,256 reviews)travelrewards
Last verified March 2026
The premium Chase travel card with airport lounge access, $300 travel credit, and top-tier travel perks.
Annual Fee
$550
Purchase APR
22.49% – 29.49%
Rewards
1x base rate
Sign-Up Bonus
$900 value
Credit Score
Excellent (750+)
Foreign Txn Fee
None
Rewards Breakdown
10x hotels via Chase, 5x flights via Chase, 3x dining, 1x everything else
| Category | Rate |
|---|---|
| Hotels (Chase) | 10x |
| Flights (Chase) | 5x |
| Dining | 3x |
| Everything else | 1x |
Sign-Up Bonus
60,000 points after spending $4,000 in 3 months
Fees & APR
| Annual Fee | $550 |
| Purchase APR | 22.49% – 29.49% |
| Balance Transfer Fee | 5% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
$300 annual travel credit offsets fee
Airport lounge access
Exceptional travel insurance
Points worth 50% more via Chase
$550 annual fee
Requires excellent credit
No intro APR
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $180Annual fee: $550
Spend at least $3,056/mo for the rewards to cover the $550 annual fee.
Based on 1x base rewards rate @ 1.5¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
4.5
1,256 reviews
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DW
David W.VerifiedDec 1, 2025
Worth every penny of the annual fee
The $300 travel credit, lounge access, and Global Entry credit practically pay for the fee. I travel monthly and this card has paid for itself many times over.
LM
Linda M.VerifiedSep 18, 2025
Premium card for premium travelers
If you travel at least 3-4 times a year, this card is a no-brainer. The Priority Pass lounges alone save me money on airport meals.