Chase Sapphire Reserve

Earn rates · how we got this

Signup bonus: 100,000 points after $6,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-10-23.

Statement credits — $2,190/yr on paper · how we got this

Six of the eight pay out in pieces through the year, and three must be enrolled in first. A month you miss is gone, not banked.

Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.

Non-cash perks

• Chase Sapphire Lounges by The Club + Priority Pass Select membership (1,300+ lounges, up to 2 guests)
• Access to select Air Canada Maple Leaf Lounges/Cafes with eligible boarding pass
• Complimentary DashPass membership, 12 months, ~$120 value, activate by 12/31/2027
• IHG One Rewards Platinum Elite Status through 12/31/2027
• Reserve Travel Designers custom itinerary service, valued up to $300/trip
• Auto Rental Coverage, primary, up to $75,000, US and abroad
• Trip Cancellation and Interruption Insurance, up to $10,000/traveler and $20,000/trip
• Trip Delay Reimbursement, up to $500/traveler, delay over 6 hours

Does the fee earn out? · how we got this

The printed statement credits ($2,190/yr) cover the $795 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.

Is this $795 fee worth it? See the break-even math →

Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.

Who this card is not for

Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:

• Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 8x, pays only on travel booked through the issuer's travel portal. The same booking made anywhere else earns its base 1x, so the headline number is a portal rate rather than a category rate — which is why no ranking on this site counts it.
• Anyone who won't work the statement credits. The $795 fee is argued for by $2,190 of printed credits, spread across 8 separate credits, 3 of them monthly or quarterly — an unused month is gone, not banked, and 3 that must be enrolled in before they pay. Each one only pays if you were going to spend that way anyway; ignore them and the whole $795 has to come back through earn rates instead.

Compared head-to-head

• Chase Sapphire Reserve vs Sapphire Reserve for Business — which earns more?
• Chase Sapphire Reserve vs American Express Gold Card — which earns more?
• Chase Sapphire Reserve vs Royal ONE Plus Visa Signature — which earns more?
• Chase Sapphire Reserve vs Wyndham Rewards Earner Plus Card — which earns more?
• Chase Sapphire Reserve vs IHG One Rewards Premier Select Credit Card — which earns more?
• Chase Sapphire Reserve vs Chase Sapphire Preferred — which earns more?
• Chase Sapphire Reserve vs Citi Strata Premier® Card — which earns more?
• Chase Sapphire Reserve vs Robinhood Platinum Card — which earns more?
• Capital One Venture X vs Chase Sapphire Reserve vs The Platinum Card from American Express — all three side by side
• Chase Sapphire Reserve vs Chase Sapphire Preferred vs Chase Freedom Unlimited — all three side by side
• Chase Sapphire Reserve vs The Platinum Card from American Express vs Citi Strata Elite℠ Card — all three side by side

Don't want the fee any more?

Chase Sapphire Reserve can normally be product-changed to three lower-fee cards in the Chase Sapphire / Freedom family, though only one of them keeps Chase Ultimate Rewards instead of being closed — which keeps the account, its age and its credit line.

What does Chase Sapphire Reserve downgrade to? →

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