Chase Sapphire Reserve® Credit Card
The Chase Sapphire Reserve® Credit Card from Chase earns up to 4% effective value on travel in Madeen's catalog snapshot. Its annual fee is $795. New applicants may see: Earn 125,000 points after you spend $6,000 in purchases in the first 3 months from account opening.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Travel
- Effective value
- 4%
- Annual fee
- $795
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Chase Sapphire Reserve Credit Card earn in each category?
Travel is the strongest category at 4% effective value (4x points at about 1 cents each). That travel rate ranks higher than about 99% of the 1,546 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Travel is the strongest category at 4% effective value (4x points at about 1 cents each). That travel rate ranks higher than about 99% of the 1,546 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 4x points | 4% Top category |
| Other General everyday spend | 1x points | 1% |
Madeen values Chase Ultimate Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Chase Sapphire Reserve Credit Card reward caps and conditions?
The Chase Sapphire Reserve Credit Card has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 4x points on flights purchased direct
- 3x points on dining worldwide
- 4x points on hotels purchased direct
Who should get the Chase Sapphire Reserve Credit Card?
The Chase Sapphire Reserve Credit Card fits spenders who put meaningful volume in travel and can earn 4x points. Best for spenders who put meaningful volume in travel and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Chase Sapphire Reserve fits travelers who can use the credits, lounge access, and direct travel earn rates often enough to justify a premium annual fee. Madeen shows the effective-rate math next to simpler cards so you can see whether the fee is earning its keep in your wallet.
Best for spenders who put meaningful volume in travel and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth comparing for heavy travel spend; use Madeen to check whether a lower-fee card already wins on your categories.
Pros
- Strong direct travel and dining earn under current Chase terms
- Premium travel benefits can matter more than a few extra basis points for frequent flyers
Cons
- High annual fee if credits and lounge use do not match your habits
- Points value still depends on Ultimate Rewards redemptions
Does the Chase Sapphire Reserve Credit Card have an annual fee, and what's the welcome bonus?
The Chase Sapphire Reserve Credit Card has an annual fee of $795 and a foreign transaction fee of None. New applicants may see: Earn 125,000 points after you spend $6,000 in purchases in the first 3 months from account opening.. Confirm current issuer terms before applying.
- Annual fee
- $795
- Foreign transaction fee
- None
- Signup bonus
- Earn 125,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
What travel perks does the Chase Sapphire Reserve Credit Card include?
The Chase Sapphire Reserve Credit Card includes Trusted traveler credit, Lounge access, $120 in Lyft credits, $250 Shops at Chase credit and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
- Trusted traveler creditReceive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
- Lounge accessEnjoy complimentary access to every Chase Sapphire Lounge by The Club with up to two guests, plus access to 1,300+ Priority Pass airport lounges worldwide. Also get access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada and Europe with an eligible boarding pass.
What benefits come with the Chase Sapphire Reserve Credit Card?
- $120 in Lyft credits
Get access to up to $10 in monthly in-app credits, up to $120 annually, to use on Lyft rides through September 30, 2027.
- $250 Shops at Chase credit
Get up to $250 in statement credits on purchases through The Shops at Chase after you spend $75,000 on your Sapphire Reserve card each calendar year.
- $300 Annual Dining Credit
Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually for dining at restaurants that are part of the Sapphire Reserve Exclusive Tables program.
- $300 Annual Travel Credit
Get the most flexible travel creditopens overlay compared to any other card, with up to $300 in statement credits for travel purchases each account anniversary year. Purchases that qualify will not earn points.
- $500 credit for stays with The Edit
Get up to $250 in statement credits from January through June, and again from July through December for a maximum of $500 annually for prepaid bookings made with The Edit.
- $500 Southwest Airlines Credit
Get a $500 Southwest Airlines Credit through Chase Travel after you spend $75,000 on your Sapphire Reserve card each calendar year.
- A-List Status with Southwest Airlines
Get Southwest A-List status after you spend $75,000 on your Sapphire Reserve card each year.
- Apple TV+ and Apple Music
Complimentary subscriptions to Apple TV+* and Apple Music through June 22, 2027, a value of $250 annually.
Common questions about the Chase Sapphire Reserve Credit Card
Does the Chase Sapphire Reserve Credit Card have an annual fee?
The Chase Sapphire Reserve Credit Card carries an annual fee of $795 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Chase Sapphire Reserve Credit Card?
Travel is the strongest Madeen category for the Chase Sapphire Reserve Credit Card at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Chase Sapphire Reserve Credit Card charge foreign transaction fees?
The Chase Sapphire Reserve Credit Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Chase Sapphire Reserve Credit Card welcome bonus?
The Chase Sapphire Reserve Credit Card welcome offer in our snapshot: Earn 125,000 points after you spend $6,000 in purchases in the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Chase Sapphire Reserve Credit Card annual fee worth it?
Whether the $795 annual fee pays off depends on how much you spend in travel and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Chase Sapphire Reserve Credit Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Chase Sapphire Reserve Credit Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Chase Sapphire Reserve Credit Card compare to similar cards?
Compare the Chase Sapphire Reserve Credit Card against J.P. Morgan Reserve (4% on Travel, $795 fee); Sapphire Reserve for Business℠ Credit Card (4% on Travel, $795 fee); British Airways Visa Signature Credit Card (2.5% on Travel, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Chase Sapphire Reserve Credit Card This card | Travel | 4% | $795 |
Chase | Travel | 4% | $795 |
| Travel | 4% | $795 | |
| Travel | 2.5% | $95 | |
| Travel | 2.4% | $450 |
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