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Chase Sapphire Reserve®
Score Needed: Good to Excellent
Chase Sapphire Reserve®
At a glance
Welcome Offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Limited Time Offer
New Offer
All time high
Rewards

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

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

1X
Points on other purchases
Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
22.49%-29.49% Variable
Annual Fee
$550
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.

Thinking About 2 Cards? If you get approved for one Chase card, try applying for a second on the same day. If your first application is still pending, wait for it to be approved before applying for another.

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.

Limit Increase
Credit Inquires
No items found at this time
Chase Bank will usually pull your Experian credit report.
Application Inquires Inquiries for all personal or all business cards on the same day are combined, but personal and business inquiries aren’t mixed.
Welcome Offer Eligibility: Chase might not approve you if you’ve already gotten a welcome bonus on the Chase Ink Cash card for the same business in the last 24 months. But if you do get approved, you’ll still get the bonus. You can still get approved and receive the bonus even if you’ve had a bonus from other Chase Ink cards (like Ink Preferred, Ink Premier, or Ink Unlimited) within 24 months. You can also apply for the same card for a different business, even with the same owner, and get the bonus within 24 months.
Downgrade Options
Getting your card
Rescore your report: To update your balance off-cycle, call 1-888-682-8361. If you pay your balance to zero, Chase will automatically update your report within 48 hours.

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.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.

Auto CDW Insurance

Credits

Extended Warranty

Global Entry and TSA Pre-check

Lost Luggage Insurance

Lounge Access

Purchase Protection

Return Protection

Trip Cancellation Insurance

Trip Delay Insurance

Extra Redemption Value

Luggage Delay Insurance

Travel Accident Insurance

Hotel Collection

Travel Medical Insurance

Credits

$300 Annual Travel Credit

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

Zero liability 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

Trip Delay Reimbursement

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

Trip Cancellation / Interruption 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

Travel and Emergency Assistance Services

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

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

The Luxury Hotel & Resort 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

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

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

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

Peloton

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

Lyft

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

Lost Luggage Reimbursement

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

Instacart+

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

Global Entry or TSA PreCheck® or NEXUS Fee Credit

Receive one statement credit of up to $100 every four years as reimbursement for the application fee charged to your card.

Extended Warranty

Extended warranty protection

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

Emergency Medical and Dental Benefit

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

Emergency Evacuation and Transportation

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

DoorDash

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 Airport 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

Baggage 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

Auto Rental Collision Damage Waiver

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

50% More in Travel Redemption

Get 50% more value when you redeem for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.

Miscellaneous Benefits

24/7 Fraud Monitoring

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

1:1 Point Transfer

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.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your Chase Ultimate Rewards to any of the following Chase Travel Partners.
Points Transfer Partners
No transfer partners found
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
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Upgrade Your Wallet!
Chase Sapphire Reserve® Click learn more to see if you qualify

More questions? More answers.

Can I shift a credit limit from a card held by my partner to one of my cards if we are part of the same business?
No, you cannot transfer credit limits between different individuals' accounts, even if they are within the same business.
What is the minimum remaining credit limit required to transfer balances between Amex cards without being declined?
You must leave a minimum of $1,000 on the card you are transferring from if you want to keep both cards open.
I paid my balance and it no longer shows on my credit report but I still got denied for an Amex card due to a high balance. How can that be?
For existing customers, Amex doesn’t usually pull a new credit report. They base the decision on a credit report they get through the monthly soft pull they do for all cardholders, which can be up to 30 days ago. Unfortunately, there is no way to get Amex to pull a new report. On the letter you receive from Amex, it will tell you which date the report was pulled. I would advise you to reapply 30 days later.