Chase Sapphire Reserve review

Sapphire Reserve has the deepest benefits of the Chase cards, at a $795 annual fee plus $195 for each authorized user. New cardmembers can earn 100,000 points after spending $6,000 on purchases in the first 3 months. Earning is 8X on Chase Travel purchases, including The Edit, 4X on flights and hotels booked direct, 3X on dining and 1X on the rest. The core travel perks are strong: up to $300 in statement credits for travel purchases each account anniversary year, up to $500 a year for prepaid stays with The Edit, and access to Chase Sapphire Lounges by The Club and more than 1,300 Priority Pass lounges with up to two guests. Chase adds a Global Entry, TSA PreCheck or NEXUS credit of up to $120 every four years and IHG One Rewards Platinum Elite status through 2027, and lists the card among its no foreign transaction fee cards. Many of the rest are lifestyle credits, such as StubHub, Apple TV and Lyft, that only pay off if you would use them anyway.

Who it is for

Heavy travelers who will use lounges, hotel credits and lifestyle credits enough to justify a $795 fee.

Price

$795 annual fee; $195 for each authorized user.

$795 annual fee
Quoted from the vendor pricing page on November 8, 2026.

Key features

• 100,000 points after $6,000 in purchases in the first 3 months
• $300 in statement credits for travel purchases each account anniversary year
• Chase Sapphire Lounges and 1,300+ Priority Pass lounges with up to two guests
• 8X on Chase Travel, 4X on flights and hotels booked direct, 3X on dining
• Up to $500 a year in credits for prepaid stays with The Edit

Strengths and weaknesses

• Strength: The $300 travel credit works on most travel purchases
• Strength: Lounge access includes up to two guests
• Strength: 4X on flights and hotels booked directly with the provider
• Weakness: $795 annual fee plus $195 per authorized user
• Weakness: Much of the stated value comes from lifestyle credits you must activate
• Weakness: 1X on purchases outside the bonus categories

Key facts

• Annual fee: $795; $195 per authorized user
• Welcome bonus: 100,000 points after $6,000 in 3 months
• Travel credit: Up to $300 each account anniversary year
• Lounge access: Chase Sapphire Lounges and 1,300+ Priority Pass lounges
• Variable APR: 19.74% to 28.24%

Where it ranks

Chase Sapphire Reserve is No. 6 in our Best Travel Credit Cards verdict.