60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
10X total points on hotels when you purchase travel through Chase after the first $300 is spent on travel purchases annually
3X points on dining at restaurants, including eligible delivery services, takeout, and dining out
Chase Sapphire Reserve®
Unlock a world of travel and dining rewards with the Chase Sapphire Reserve®. Earn triple points on travel and dining, and enjoy a generous annual travel credit. Benefit from Priority Pass™ airport lounge access and comprehensive travel insurance. With no foreign transaction fees and exclusive experiences, this card elevates your adventures while maximizing value and comfort.
Application Pending? Check your status online at Chase.com/Customer-Center/Check my app status or by calling 1-888-609-7805 or 1-888-338-2586. Sometimes, all they need is a quick verification.
Application Declined? You have 30 days to request reconsideration by calling 1-888-609-7805. If you call the same day you applied, there won’t be another hard credit check. Keep in mind, if it's due to the Chase 5/24 rule, they likely won’t reconsider.
Approval Rules: Chase typically declines if you’ve opened 5 new credit cards in the last 24 months. They usually approve up to 2 Chase cards within 30 days, counting business and personal cards separately. Read more about the Chase 5/24 rule and how to review your report.
When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.
Credits
Take advantage of the most flexible travel credit available by receiving up to $300 in statement credit reimbursements each anniversary year for more of your travel purchases than any other card.
Purchase Protection
You won’t be held responsible for unauthorized charges made with your card for account information. If you see an unauthorized charge, simply call the number on the back of your card.
Trip Delay Insurance
If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
Trip Cancellation Insurance
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and 20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
Travel Medical Insurance
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
Travel Accident Insurance
When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.
Hotel Collection
Take advantage of cardmember perks such as a room upgrade and daily breakfast at over 1,000 properties when you book with The Luxury Hotel & Resort Collection.
Roadside Assistance
If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
Return Protection
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.
Purchase Protection
Your new purchases will be covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.
Credits
Earn 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 total points now through March 31, 2025.
Credits
Earn 10x total points on Lyft rides. Plus, get a complimentary 2 year Lyft Pink All Access membership including member-exclusive pricing and benefits – activate by Dec 31, 2024. Membership auto renews annually.
Lost Luggage Insurance
If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Credits
Skip the trip and have your groceries delivered to your doorstep with 1 year of complimentary Instacart+. Plus, Instacart+ members earn up to $15 in statement credits each month through July 2024. Membership auto-renews.
Global Entry and TSA Pre-check
Receive one statement credit of up to $100 every four years as reimbursement for the application fee charged to your card.
Extended Warranty
Extends the time period of U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less.
Travel Medical Insurance
If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.
Travel Medical Insurance
If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
Credits
Get complimentary access to DashPass – a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by December 31, 2027. With DashPass you also get $5 in DoorDash credits each month, redeemed at checkout.
Lounge Access
Complimentary access to 1,300+ airport lounges worldwide with up to two guests, including every Chase Sapphire Lounge by The Club, after an easy one-time enrollment in Priority Pass™ Select.
Luggage Delay Insurance
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
Auto CDW Insurance
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.
Extra Redemption Value
Get 50% more value when you redeem for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
Miscellaneous Benefits
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
Extra Redemption Value
Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Chase Travel℠ points equal 1,000 partner miles/points.
Why We Like it
We all have our reasons for loving the Chase Sapphire Reserve®. Here's a quick list of what makes this card a favorite for so many of us:
- Big Welcome Bonus - Hefty sign-up bonus.
- Triple Points on Travel & Dining - Earn more on what you love.
- $300 Travel Credit - Get reimbursed for travel expenses.
- Priority Pass Lounge Access - Relax in style at airports.
- 1:1 Point Transfers - Transfer points to top airline and hotel programs.
- Travel Insurance - Peace of mind for your trips.
- No Foreign Transaction Fees - Spend freely abroad.
- Luxury Hotel & Resort Collection - Special perks at luxury spots.
- 24/7 Customer Service - Help is always just a call away.
- Global Entry/TSA PreCheck Credit - Speed through security lines.
These are just a few reasons why the Chase Sapphire Reserve® stands out. Ready to elevate your travel and dining experience?
Considerations
Chase Sapphire Reserve®
- High annual fee: $550.
- Redemption complexity: Requires navigating Ultimate Rewards program.
- Limited lounge access: Priority Pass doesn’t include all lounges.
- Foreign transaction fees: None, but international acceptance can vary.
- Authorized user fee: $75 annually.
- Benefits overlap with other premium cards.
- High credit score required.
- Travel benefits fine print.
- Competitive perks with other premium cards.