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Taste Talk > Blog > Travel Guide > Chase Sapphire Reserve card assessment: Full particulars
Travel Guide

Chase Sapphire Reserve card assessment: Full particulars

Editorial Team
Last updated: June 23, 2025 10:08 pm
Editorial Team 24 Min Read
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Chase Sapphire Reserve card assessment: Full particulars
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Contents
Chase Sapphire Reserve Card overview*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.Chase Sapphire Reserve execs and consChase Sapphire Reserve welcome supplyChase Sapphire Reserve advantagesAnnual journey credit scoreDifferent assertion creditLounge entryResort advantagesVisa Infinite perksUnlockable advantagesIncomes factors on the Chase Sapphire ReserveRedeeming factors on the Chase Sapphire ReserveTransferring factors on the Chase Sapphire ReserveWhich playing cards compete with the Chase Sapphire Reserve?Backside line

Chase Sapphire Reserve Card overview

The Chase Sapphire Reserve® (see charges and costs) is likely one of the greatest rewards bank cards of all time. This card earns extremely beneficial Final Rewards factors that may be transferred to resort and airline companions or redeemed to ebook journey by Chase Journey℠ at a worth of as much as 2 cents per level, relying on the cardboard and the precise redemption (see your rewards program settlement for full particulars). Add in a number of assertion credit, an annual journey credit score, airport lounge entry and a litany of different perks, and this card is assured to improve your journey life-style. Card ranking*: ⭐⭐⭐⭐½

*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

The Chase Sapphire Reserve, one of many prime premium rewards bank cards, has undergone a significant refresh, together with a brand new card design that weighs in at 19.6 grams. The refresh introduced further assertion credit, modified earnings, different new advantages and a forty five% annual price enhance from $550 to $795.


Chase Sapphire Reserve® — Earn 100,000 bonus factors plus a $500 Chase Journey℠ credit score after spending $5,000 on purchases within the first three months from account opening (see charges and costs).


This annual price is $100 greater than that of The Platinum Card® from American Categorical ($695 annual price; see charges and costs) and $400 greater than that of the Capital One Enterprise X Credit score Card ($395 annual price) — although this will nonetheless be price it given the slew of advantages it gives.

We suggest a credit score rating of at the very least 670, however it’s not exceptional to get accepted with a decrease rating. If you need premium advantages, the Sapphire Reserve might nonetheless be an excellent choice for you, even with its steep annual price.

Let’s take a look at the options that proceed to make it such a sexy journey bank card and one which has earned a everlasting spot in lots of TPG staffers’ wallets.

Chase Sapphire Reserve execs and cons

Professionals Cons
  • Annual journey credit score
  • Entry to Chase’s resort and airline companions
  • Excessive earnings on flights and accommodations booked instantly
  • Automated IHG elite standing
  • Helpful life-style credit
  • The very best annual price of any publicly obtainable premium card from the Large Three card issuers
  • It’s essential to earn the $300 annual journey credit score earlier than incomes bonus factors on journey
  • Bonus earnings on journey are restricted

Chase Sapphire Reserve welcome supply

Proper now, new candidates for the Chase Sapphire Reserve can earn a welcome bonus of 100,000 factors plus a $500 Chase Journey credit score after spending $5,000 within the first three months from account opening.

Observe that the phrases for the journey credit score state: The promotional credit score is legitimate for a one-time use solely, in case you apply the promotional credit score to a transaction lower than $500, you’ll forfeit the remaining steadiness.

Chase Sapphire Reserve card assessment: Full particulars

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TPG’s June 2025 valuations peg Chase Final Rewards factors at 2.05 cents apiece, making the present welcome bonus price as much as $2,550. This could cowl the annual price of $795 greater than thrice.

THE POINTS GUY

That is the all time welcome supply we have seen on this card, making now the right time to use.

Nonetheless, it is necessary to maintain Chase’s utility restrictions in thoughts, particularly concerning the Sapphire playing cards. Due to Chase’s 5/24 rule, you may wish to apply for Chase playing cards first earlier than turning to different issuers. That is why selecting the correct Sapphire product on your state of affairs is important.

Whilst you can maintain each the Chase Sapphire Most popular® Card (see charges and costs) and the Sapphire Reserve, in case you’ve obtained a bonus on a Sapphire product previously, you are probably now not eligible for a bonus on that very same card once more.

When making use of, earlier than you submit your utility, a pop-up will let you know in case you’re eligible for a welcome bonus.

Associated: One of the best welcome gives of the month

Chase Sapphire Reserve advantages

The Chase Sapphire Reserve has myriad advantages that enchantment to vacationers. It is necessary to notice that with this refresh of the Sapphire Reserve, present cardholders won’t have entry to any new advantages and perks till Oct. 26.

Annual journey credit score

One of many greatest perks of the cardboard is the $300 annual journey credit score. Chase will mechanically credit score your account $300 once you use it to make eligible purchases, which cowl all kinds of journey suppliers:

Retailers on this [travel] class embrace airways, accommodations, motels, timeshares, automobile rental businesses, cruise traces, journey businesses, low cost journey websites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking heaps and garages.

This perk alone lowers your efficient annual price to simply $495.

HINTERHAUS PRODUCTIONS/GETTY IMAGES

Top-of-the-line issues about this credit score is how versatile it’s. It could cowl a wide range of journey purchases as much as $300, together with airline tickets, resort reservations, cruise reservations and rather more. This can be a favourite perk of many TPG staffers who’ve the Sapphire Reserve.

Different assertion credit

The Sapphire Reserve additionally comes with a large number of different helpful life-style assertion credit. These embrace:

  • As much as $500 in annual The Edit credit score: Cardholders obtain $250 biannually to make use of on The Edit by way of Chase Journey reserving. This credit score has me intrigued, as I can nonetheless earn and obtain resort loyalty standing advantages although I am reserving by an internet journey company. I have a tendency to remain at Marriott properties more often than not, and plenty of are on The Edit, so it is going to be good that I can use this credit score to cowl my keep. Plus, my Titanium Elite standing advantages would probably kick in and earn me elite nights and factors.
  • As much as $300 in annual StubHub and Viagogo credit score: Cardholders obtain as much as $150 biannually to make use of on occasion tickets at StubHub. I would simply use this perk, as I attend a number of live shows and sporting occasions every year, and StubHub is likely one of the largest on-line ticket platforms.
  • As much as $300 in annual eating credit score at Open Desk: Cardholders obtain prime-time reservations at Sapphire Reserve Unique Tables; no prepayment or cost by Open Desk is required.
  • As much as $300 in annual promos with DoorDash: Cardholders obtain as much as $25 in month-to-month promos with two $10 nonrestaurant promos and one $5 restaurant promo. Plus, obtain a complimentary DashPass membership for at the very least one 12 months, price $120, and revel in $0 supply charges and decrease service charges on eligible orders. (Should activate by Dec. 31, 2027.)
  • As much as $250 yearly in complimentary Apple TV+ and Apple Music subscriptions: This perk alone has me contemplating making use of for the cardboard, given I already pay for and use these providers each day. Apple Music has over 33 million subscribers within the U.S., so this ought to be one of many simpler credit for many cardholders to make use of. (One-time activation per service by chase.com or the Chase Cell app required.)
  • Up to $120 in annual in-app Lyft credit: Cardholders obtain as much as $10 every month; the credit score doesn’t apply to Wait & Save, bike or scooter rides. (By means of Sept. 30, 2027.)
  • As much as $120 in International Entry, TSA PreCheck or Nexus credit score: Cardholders obtain an utility price credit score each 4 years. My choose is International Entry because it consists of PreCheck, in order that’s the very best worth on your cash.
  • As much as $120 in Peloton credit score: By means of Dec. 31, 2027; activation required.

If you happen to totally use all of those credit and advantages, the worth you may get totals over $2,000.

Lounge entry

Sapphire Reserve cardholders get entry to Chase Sapphire Lounges and Precedence Move lounges (excluding eating places) for themselves and as much as two visitors. There are at present eight Sapphire lounges, with three extra lounges set to open.

DAVID SLOTNICK/THE POINTS GUY

Moreover, cardholders obtain entry to over 20 Air Canada Maple Leaf lounges when touring on a Star Alliance airline.

Licensed customers obtain the identical airport lounge entry on their very own, although you may pay an additional annual price of $175 for every further cardholder.

The Precedence Move community consists of over 1,700 lounges, each within the U.S. and overseas.

Resort advantages

Sapphire Reserve cardholders will obtain automated IHG One Platinum elite standing by Dec. 31, 2027. This standing tier comes with perks like 60% bonus factors on IHG stays, complimentary upgrades (topic to availability), early check-in, 2 p.m. late checkout (topic to availability) and Hertz 5 Star standing.

INTERCONTINENTAL ATHENS ATHENIUM/FACEBOOK

Moreover, when reserving a resort by way of The Edit, cardholders will obtain a $100 property credit score and advantages like free breakfast.

Visa Infinite perks

As a result of the Sapphire Reserve is a Visa Infinite card, you may obtain the perks that come together with this system. Highlights embrace major rental automobile insurance coverage, journey cancellation and delay protection, misplaced baggage reimbursement, a concierge service, and entry to the Luxurious Resort Assortment.

Moreover, when overseas, you may pay no overseas transaction charges.

Unlockable advantages

Moreover, Reserve cardholders will have the ability to unlock much more premium advantages after spending $75,000 or extra in a calendar 12 months. These advantages embrace:

  • IHG Diamond standing
  • Southwest Airways A-Listing standing
  • $500 Southwest assertion credit score (flights have to be booked by Chase Journey)
  • $250 annual The Retailers credit score (The Retailers is an internet market from Chase the place you need to use your factors to purchase objects from widespread manufacturers like Dyson and Sony)

Whereas these advantages are good in case you can spend $75,000 in your card organically, I would not exit of my technique to meet the spending requirement. You possibly can qualify for IHG Diamond standing by staying 70 nights at IHG accommodations or spending $40,000 on an IHG bank card. In the meantime, to qualify for Southwest A-Listing standing, you simply must take 20 one-way flights or earn 35,000 tier qualifying factors.

Relying on what accommodations and flights you ebook, each of those choices might work out to be lower than the $75,000 in spending wanted to unlock these advantages on the Chase Sapphire Reserve.

Moreover, in case you can meet the spending requirement, the additional assertion credit are good, however once more, I would not exit of my technique to attempt to earn them.

Associated: The facility of the Chase Trifecta: Maximize your earnings with 3 playing cards

Incomes factors on the Chase Sapphire Reserve

Apart from the welcome bonus, the Sapphire Reserve’s bonus-earning classes may even assist construct your Final Rewards steadiness. You may earn:

  • 10 factors per greenback spent on Peloton gear and accent purchases (by Dec. 31, 2027) of $150 or extra, with a most of fifty,000 factors (a 20.5% return based mostly on TPG’s June 2025 valuations)
  • 8 factors per greenback spent on purchases made by Chase Journey, together with The Edit (a 16.4% return)
  • 5 factors per greenback spent on Lyft rides by Sept. 30, 2027 (a ten.25% return)
  • 4 factors per greenback spent on flights and accommodations booked instantly (an 8.2% return)
  • 3 factors per greenback spent on eating worldwide (a 6.15% return)
  • 1 level per greenback spent on every little thing else (a 2.05% return)

Moreover, in July, Chase will launch Chase Trip Houses, which is able to earn 8 factors per greenback spent.

Observe that you just will not earn any factors on the primary $300 spent on direct flights and resort purchases or purchases made by Chase Journey every cardholder 12 months, as that may set off the cardboard’s $300 journey credit score.

FRAZO STUDIO LATINO/GETTY IMAGES

Beforehand, this card provided 3 factors per greenback spent on all journey purchases. Whereas I just like the addition of 4 factors per greenback spent on flights and accommodations booked instantly, not having a bonus class for common journey purchases stings as Chase broadly defines journey and beforehand included issues like parking and tolls.

These are nice earnings charges on eating, Chase Journey purchases, and accommodations and flights booked instantly, however you may take into account pairing this card with the Chase Sapphire Most popular, as now you can maintain each Sapphire playing cards. This pairing would earn 4 factors per greenback spent on most flights and accommodations, 3 factors per greenback spent on eating, and a couple of factors per greenback spent on common journey purchases.

Associated: Is the Chase Sapphire Reserve well worth the annual price?

Redeeming factors on the Chase Sapphire Reserve

The power to redeem rewards with companions is likely one of the most necessary facets of a journey rewards bank card, and that is positively the case with the Sapphire Reserve. If you happen to switch your factors to certainly one of Chase’s 14 journey companions, there’s potential for some superb redemptions (extra on that later).

Nonetheless, you’ll be able to redeem your factors in different methods, too, reminiscent of for money again, reward playing cards, or eating and experiences by the Final Rewards portal at a charge of 1 cent per level. Or, you’ll be able to cowl eligible purchases at a better worth by Chase Pay Your self Again.

These redemption strategies present much less worth than transferring your factors to companions, so I do not suggest utilizing your factors this manner.

QATAR AIRWAYS/FACEBOOK

You can too redeem factors to ebook journey by Chase Journey. With the current refresh, we have seen some adjustments to redeeming factors by Chase Journey, together with a brand new function: Factors Enhance. Factors can be utilized to ebook journey by Chase Journey at a worth of as much as 2 cents per level, relying on the cardboard and the precise redemption (see your rewards program settlement for full particulars).

The redemption charges fluctuate based mostly on rotating gives on totally different flights and accommodations. The airways will fluctuate and alter over time, however from the beginning, it seems that the airways eligible for Factors Enhance are all switch companions of Chase. Listed below are some issues to find out about Factors Enhance:

  • Beforehand, Reserve cardholders might redeem factors for 1.5 cents every.
  • You possibly can redeem factors at 2 cents per level on premium airfare booked by Chase Journey and accommodations booked by The Edit.
  • For cardholders accepted earlier than June 23, 2025, all factors earned earlier than Oct. 26, 2025, might be redeemed at 1.5 cents per level by way of Chase Journey whatever the airfare class or resort property or at as much as 2 cents with Factors Enhance. The upper redemption charge will mechanically be chosen for you.
  • Cardholders accepted after June 23, 2025, will solely have entry to Factors Enhance.
  • After Oct. 26, 2027, factors might be redeemed for 1 cent every for all Chase Journey purchases that do not qualify for Factors Enhance.
  • Fundamental financial system flights aren’t eligible for Factors Enhance.

Associated: From worldwide enterprise class to home journey: One of the best Chase Final Rewards candy spots

Transferring factors on the Chase Sapphire Reserve

Once more, probably the most beneficial use of your Chase Final Rewards factors is to switch them to certainly one of Chase’s 14 airline and resort switch companions, together with beneficial choices like British Airways Membership, Air Canada Aeroplan and Southwest Airways Fast Rewards.

HYATT

For instance, I like to switch my factors to World of Hyatt. Only recently, I transferred 30,000 factors to Hyatt to remain on the Hyatt Centric The Liberties Dublin over St. Patrick’s Day weekend, when money charges had been upward of $400 per night time.

Associated: Tips on how to redeem Chase Final Rewards factors for optimum worth

Which playing cards compete with the Chase Sapphire Reserve?

The Sapphire Reserve’s most pure opponents are one other Final Rewards-earning card with a decrease annual price and the 2 different big-name premium journey bank cards.

  • If you need a mid-tier card with a decrease annual price: The Chase Sapphire Most popular is an effective selection for incomes Chase Final Rewards factors for a decrease annual price of $95. You may get quite a few journey protections and have entry to all the identical resort and airline companions as you’ll with the Sapphire Reserve. To be taught extra, try our full assessment of the Sapphire Most popular.
  • If you need a premium journey card with a decrease annual price: The Capital One Enterprise X Rewards Credit score Card gives entry to Precedence Move and Capital One lounges for a decrease annual price of $395. You may additionally get pleasure from insurance coverage protections and earn at the very least 2 miles per greenback spent on all purchases and a $300 Capital One Journey credit score every year. To be taught extra, try our full assessment of the Capital One Enterprise X.
  • If you wish to earn Amex Membership Rewards factors: The Amex Platinum gives a ton of beneficial assertion credit each calendar 12 months and has a decrease annual price of $695. Plus, it gives entry to quite a few lounges, together with the Amex Centurion Lounge community and Precedence Move lounges. Enrollment is required for choose advantages; phrases apply. To be taught extra, try our full assessment of the Amex Platinum.

For added choices, try our full record of greatest journey bank cards and greatest Chase bank cards.

Associated: Chase Sapphire Most popular vs. Sapphire Reserve: Must you go mid-tier or premium?

Backside line

The Chase Sapphire Reserve has been revamped with an elevated annual price, however with a number of added advantages and assertion credit that many will have the ability to get nice worth from. Even with the 45% annual price enhance, in case you worth premium journey advantages, lounge entry and numerous lifestyle-related assertion credit, the Chase Sapphire Reserve might make an excellent addition to your pockets.


Apply right here: Chase Sapphire Reserve with 100,000 bonus factors and a $500 Chase Journey credit score after spending $5,000 on purchases within the first three months from account opening.


For charges and costs of the Amex Platinum Card, click on right here.

For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.



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