Chase Sapphire Reserve® Credit Card
Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
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 150,000 points after you spend $6,000 in purchases in the first 3 months from account opening..
- Top category
- Travel
- Effective value
- 4%
- Annual fee
- $795
Best for travel-heavy spend when the $795 fee fits your usage; confirm issuer terms before applying. 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.
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 2,849 cards we track in that category. The five-category effective-rate table on this page shows how Chase Sapphire Reserve Credit Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight.
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 2,849 cards we track in that category. The five-category effective-rate table on this page shows how Chase Sapphire Reserve Credit Card compares across dining, grocery, gas, travel, and other spend.
| 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.
- 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
What is the Chase Sapphire Reserve Credit Card welcome bonus?
In Madeen's catalog snapshot, the Chase Sapphire Reserve Credit Card welcome offer is Earn 150,000 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 — confirm on the issuer application page before applying.
- Offer
- 150k Chase Ultimate Rewards (~$1500 estimated)
- Terms (catalog snapshot)
- Earn 150,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
- Minimum spend
- $6,000
- Window
- 3Months
Does the Chase Sapphire Reserve Credit Card have an annual fee?
The Chase Sapphire Reserve Credit Card has an annual fee of $795 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $795
- Foreign transaction fee
- None
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 credit
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
Lounge access
Enjoy 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?
Extended Warranty
$10,000/yrExtends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Purchase Protection
$10,000/yrCovers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
Trip cancellation and Interruption Insurance
$10,000/yrIf your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
Extended Warranty Protection
$10,000/yrWhen you use your covered Visa card for your eligible purchases Extended Warranty Protection will extend the term of your eligible manufacturer’s U.S. warranty by 1 additional year on eligible warranties of 3 years or less; for a manufacturer’s warranty of 3 months, the term is extended an additional 12 months for a combined total of 15 months of coverage; for warranties of one year or more an additional year of coverage is provided.
DoorDash
$3,600/yrUp to $300 annually in monthly DoorDash promos. Get up to $25 each month to spend on DoorDash, which includes a $5 monthly promo to spend on restaurant orders and two $10 promos each month to save on groceries, retail orders and more.
Lost Luggage Reimbursement
$3,000/yrWhen you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
Travel Accident Insurance
$3,000/yrAdd peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
Return Protection
$1,000/yrYou can be reimbursed for eligible items that the store won’t accept within 90 days of purchase, up to $500 per item and up to $1,000 total per 12-month period.
Return Protection
$1,000/yrWhen you use your covered Visa card to make an eligible purchase, you can get return protection if you are dissatisfied with your item within 90 days of purchase and the merchant will not accept the return.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
$500 credit for stays with The Edit
$500/yrGet 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
$500/yrGet a $500 Southwest Airlines Credit through Chase Travel after you spend $75,000 on your Sapphire Reserve card each calendar year.
Related encyclopedia topics
- Visa
- Travel statement credit
- Dining credit
- $500 credit for stays with The Edit
- Rental car insurance
- Baggage protection
- Shopping and dining network perks
- Credit score monitoring
- Emergency Evacuation and Transportation
- Extended warranty
- Global Entry / TSA PreCheck credit
- Golf Benefits from Troon Rewards
Common questions about the Chase Sapphire Reserve Credit Card
Where do cardholders spend most with the Chase Sapphire Reserve Credit Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on flights (4x), lodging (4x), coffee (3x) for the Chase Sapphire Reserve Credit Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
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.
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.
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.
What is the Chase Sapphire Reserve Credit Card welcome bonus?
The Chase Sapphire Reserve Credit Card welcome offer in our snapshot: Earn 150,000 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. Compare effective rates across the cards you already carry in Madeen.
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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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure