Chase Sapphire Reserve Card

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Chase Sapphire Reserve Card
50K points
50K after $4K spend in 3 months
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$450 Annual Fee

Recent better offer: 100K after $4K spend in 3 months, last seen 3/11/2017 in-branch

FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom, no-fee Freedom Unlimited & no-fee Chase Ink Cash


Card Type: Visa Infinite

Earning rate: 3X Travel and Dining

Noteworthy perks: ⚬ $300 Annual Travel Credit ⚬ Points worth 1.5 cents each towards travel ⚬ Primary auto rental collision damage waiver ⚬ Priority Pass Select lounge access ⚬ $100 Global Entry fee credit

Note: This card is known to be subject to Chase's 5/24 rule.

See also: Sapphire Reserve Complete Guide

Overview

The Sapphire Reserve is my current top pick for a travel rewards credit card. It does have a steep annual fee, but its benefits far outweigh the fee:
  • $300 in annual travel credits automatically applied to account for travel purchases charged to card
  • Points worth 1.5 cents each when used to purchase travel
  • Earn 3X points per dollar for travel and dining; 1X elsewhere
  • Airport Lounge Access via Priority Pass Select with unlimited free guests
  • Primary car rental collision damage waiver
  • Rental car privileges and discounts
  • Global Entry or TSA Pre Fee Credit
  • No foreign transaction fee
  • Points transferable 1 to 1 to selected airline and hotel programs

Those who travel often will have no trouble earning $300 per year in travel reimbursements. In that case, the effective annual fee is really just $150. That's not bad at all for a card that offers 3X points for travel & dining, 1.5 cents per point redemption value, and airport lounge access!

I recommend pairing this card with the no-fee Chase Freedom Unlimited which earns 1.5X everywhere, and the no-fee Business Ink Cash which earns 5X in select categories. Points from both no-fee cards can be moved to your Sapphire Reserve account in order to make them more valuable.

Ultimate Rewards points can be redeemed as follows:

  • Cash or merchandise (1 cent per point value)
  • Purchase Travel through the Chase Ultimate Rewards travel site (1.5 cents per point value)
  • Transfer to a variety of airline and hotel programs (per point value varies from very low to extremely high when points are used this way)

Related Cards

All of the following cards earn Ultimate Rewards points. Those marked with an asterisk are premium cards that allow points to be transferred to select airline and hotel loyalty programs. The others are advertised as cash back cards, but they really earn Ultimate Rewards points. You can move those points to loyalty programs indirectly by moving them first to a premium card and then to an airline or hotel program:* Premium card. Points can be transferred to select airline and hotel loyalty programs.

Related Posts

Note: Many more excellent credit card offers, along with application tips for each bank, can be found on our Best Credit Card Offers Page

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New Southwest Priority card: Better than the Premier? - Frequent MilerIs there a hurry for the Marriott 100K offer? (Answer: No.) - Frequent MilerHawaii for $330 RT from New York this fall - Frequent MilerKeeping my Altitude Reserve - Frequent Miler$389 New York to Hawaii RT, late August to November - Frequent Miler Recent comment authors

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[…] The Chase Sapphire Reserve card has a lot going for it, not least of which is its awesome 100,000 point signup bonus.  Soon, however, the bonus will be cut in half. As of January 12th for online applications and March 12th for in-branch applications, the Sapphire Reserve bonus will drop to 50,000 points after $4,000 spend. […]

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[…] more cards in the past 24 months).  First, Chase released two new and very attractive cards: the Sapphire Reserve card and the Ink Business Preferred card, Then, they promised to release more new cards.  Soon […]

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[…] Hyatt points: Points can be transferred from premium Chase Ultimate Rewards cards including Sapphire Reserve, Sapphire Preferred, and Ink Business Preferred.  If you have points in a no-fee card, you can […]

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[…] offer for the Sapphire Reserve to drop to 50K today (January 12th 2017).  At the moment, though, the online offer for the Sapphire Reserve is still 100K.  Maybe it will change sometime later today, or not, I don’t know.  But, this post […]

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[…] Earns 1.5 Ultimate Rewards points per dollar for all spend. Pair with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, etc.) to transfer points to several airline or hotel […]

Heather
Guest
Heather

Sadly, I noticed today that the Chase Sapphire Reserve bonus was cut in half to 50,000 points. Apparently you can still get 100,000 in a branch through early March

I was putting off opening a card because I’m getting ready to apply for a mortgage and also because I wanted to have more time to redeem the $300 annual travel credit. Wondering if I should just bite the bullet and go ahead and open now before the great bonus is really gone.

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[…] since signing up for the Chase Sapphire Reserve card, I’ve planned to downgrade my Sapphire Preferred to a Freedom Unlimited card.  The former […]

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[…] Chase Sapphire Reserve Card with a label that says “Travel, Dining. International“.  This way she knows to use the card for all travel and dining purchases in order to get 3X rewards, and that it is OK to use internationally (no foreign transaction fees). […]

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[…] we have seen some exciting 100,000 point sign up bonuses on cards like the Chase Sapphire Reserve and the Amex Business Platinum, there is one offer for “150,000 Bonus points” that is […]

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[…] Chase Sapphire Reserve: 100K after $4K spend (in-branch only) […]

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[…] you’re interested in applying for the Chase Sapphire Reserve card, or really any Chase card, what follows is a step by step guide designed to help ensure […]

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[…] for everything from selecting your seat to checked bags. However, those with a card like the Chase Sapphire Reserve or Chase Ritz-Carlton card could easily use their annual travel credits to cover those fees. Read […]

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[…] in mind that many of these flights will show up through the Chase travel portal, where Chase Sapphire Reserve holders can redeem points for 1.5 cents per point towards airfare — making a round trip $400 […]

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[…] the American Express Personal and Business Platinum cards haven’t done: kill the buzz on the Chase Sapphire Reserve. Unfortunately, I think the only thing the US Bank Altitude Reserve is going to kill is itself. […]

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[…] value to 1.54 cents per point. While that is still marginally better than using points with the Chase Sapphire Reserve or the forthcoming US Bank Altitude Reserve, those cards are much less restrictive in that you can […]

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[…] comes as no surprise to me that the restaurant section currently shows the Chase Sapphire Reserve Card at the top of the list with an estimated 5.46% rebate on dining.  Somewhat surprising, though, is […]

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[…] a nice bonus on airlines and/or offers the right travel protections for your trip. Cards like the Chase Sapphire Reserve, the Chase Ritz-Carlton card, and the Citi Prestige offer excellent trip delay/cancellation […]

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[…] following hyperlinks for more information about each card):  The Sapphire family consists of the Sapphire Reserve, Sapphire Preferred, and Sapphire cards (the latter is no longer available to new applicants, but […]

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[…] you travel and eat out often, it’s hard to beat Chase Ultimate Rewards.  The Sapphire Reserve Card offers 3X points for travel & dining.  And the Freedom Unlimited card offers 1.5 points per […]

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[…] Chase Sapphire Reserve: 50K after $4K spend in 3 months […]

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[…] the other day.  Apparently BankAmericard is planning to release a premium card to compete with the Chase Sapphire Reserve.  Here are the bits that he […]

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[…] Chase Sapphire Reserve ($450 annual fee – $300 in annual travel credits): 3X travel & dining. Points worth 1.5 cents each towards travel. Primary auto rental collision damage waiver. Priority Pass Select lounge access. $100 Global Entry fee credit. […]

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[…] a second Sapphire card.  Previously it was possible to sign up for both the Sapphire Preferred and Sapphire Reserve cards in order to get both signup […]

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[…] to be an ultra-premium card.  Rumors were that it would compete in the $450 / $550 space with the Chase Sapphire Reserve, Amex Platinum, Citi Prestige, US Bank Altitude Reserve, etc.  But… Either the rumors were […]

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[…] Rewards at 1.5 cents each (the rate at which they can be redeemed for travel if you have the Chase Sapphire Reserve), the points are worth at least $31, but you may get quite a bit more value with transfer […]

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[…] I do not see these flights available on Chase’s travel portal, meaning that Sapphire Reserve holders will not be able to get 1.5cpp on these […]

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[…] currently in an interesting place. When the Chase Sapphire Reserve came out last fall, I realized that I was only about a year from being under 5/24 if I continued to […]

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[…] rather have 3 points per dollar on dining offered by the CSR or the Thank You Premier, but I know that many people would argue that cash is king. At 4% back on […]

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[…] Air China has a terrific price going from New York to Melbourne, Australia next March and April — from just $666.36 available through Expedia (or about $648 through some other OTAs). This can also be booked through the Chase Travel Portal for as little as 44.5K points if you hold the Chase Sapphire Reserve. […]

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[…] Rewards at 1.5 cents each (the rate at which they can be redeemed for travel if you have the Chase Sapphire Reserve), the points are worth at least $31, but you may get quite a bit more value with transfer […]

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[…] in Italy, I used Apple Pay for all purchases without a single issue.  At restaurants I used my Sapphire Reserve card which earns 3X for dining and travel (and actually earns 4X via mobile payments through November […]

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[…] should put everyday spend on his SPG card or his Sapphire Reserve.  I said SPG.  Even though the Chase Sapphire Reserve Card earns 3X for travel and dining, it only earns 1 Ultimate Rewards point per dollar everywhere […]

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[…] #1: Chase Sapphire Reserve […]

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[…] Rewards, points are stored separately within each credit card account.  If you have both a Sapphire Reserve card and a Freedom card, for example, you’ll accumulate points separately within each of the two […]

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[…] For those curious, I do see these flights through Ultimate Rewards. That means you could fly from San Francisco to New Zealand for just over 26K points round trip if you have the Chase Sapphire Reserve: […]

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[…] I could find the $428 price — bookable with 28,477 Ultimate Rewards points if you have a Chase Sapphire Reserve […]

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[…] Chase Sapphire Reserve (if you signed up before May 21 2017): $300 travel credit: All travel purchases count.  This includes hotel charges, airline charges, trains, cruises, and much more. […]

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[…] Delta hubs to Hawaii for $374 round trip (or about 25,000 Ultimate Rewards points if you have the Chase Sapphire Reserve). In that post, I mentioned to be on the lookout for Delta to respond — and they have. […]

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[…] Chase Sapphire Reserve […]

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[…] You can also find some of these flights via Chase Ultimate Rewards from 14,213 points round trip if you have the Chase Sapphire Reserve. […]

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[…] there are many great credit cards available, the Chase Sapphire Reserve card continues to be my single favorite travel rewards card.  In my opinion it is ideal for those who […]

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[…] than 1 cent per point value when redeeming points for travel.  Popular cards that do this include Chase Sapphire Reserve (1.5 cents per point), Sapphire Preferred and Ink Business Preferred (1.25 cents per point), Citi […]

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[…] my wife’s Chase Sapphire Reserve card, our Ultimate Rewards points can be used at a value of 1.5 cents per point towards travel […]

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[…] Earns 1.5 Ultimate Rewards points per dollar for all spend. Pair with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, etc.) to transfer points to several airline or hotel […]

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[…] points to the Chase Sapphire Reserve Card and purchase travel through the Chase Ultimate Rewards travel site (1.5 cents per point value). […]

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[…] Chase Sapphire Reserve: 3X Travel & Dining […]

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[…] in your household or combine them with a joint business owner (e.g. from your Freedom to your Sapphire Reserve or from your partner’s Sapphire Preferred to your Ink Business Preferred, etc). We have […]

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[…] fact that I can also (currently) combine those Ultimate Rewards with a premium Chase card like the Sapphire Reserve to get 1.5 cents per point towards travel booked through the Ultimate Rewards portal or send them […]

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[…] Chase Sapphire Reserve ($450/year less $300 travel rebate) 1X base, 3X travel & dining […]

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[…] at least for restaurants and Chase cards. For example, when buying a restaurant gift card with a Chase Sapphire Reserve, people are reporting both receiving the United miles from the app and the 3x restaurant bonus on […]

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[…] Chase Travel Portal (available from ~26K Ultimate Rewards round trip with the CSR) […]

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[…] card for another year.  I did this despite the fact that I have and plan to keep both the $450 Sapphire Reserve Visa Infinite card, and a $400 CNB Crystal Visa Infinite card.  I keep the Sapphire Reserve card for its 3X rewards […]

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[…] widely available via OTAs, you can also find them via the credit card travel portals. Those with a Chase Sapphire Reserve could pay less than 22,000 Ultimate Rewards round trip. That’s excellent as it beats what […]

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[…] 4.32% return on Marriott spend. That’s not bad. You could do better with a card like the the Chase Sapphire Reserve, which earns 3x on travel, since you could redeem those points at a value of 1.5 cents each through […]

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[…] people envisioned a card with a higher annual fee that seemed more in line with the benefits of the Chase Sapphire Reserve, Chase Ritz-Carlton, Amex Hilton Aspire, or the coming SPG Luxury card. This card isn’t […]