Chase Sapphire Reserve
Annual travelers, the upgrade path from Sapphire Preferred.
External link to Chase’s own application page.
The Chase Sapphire Reserve costs $795 a year. It earns 10% on travel and 1% on everything else. Forex markup is 0%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much Chase Sapphire Reserve actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
What does the Chase Sapphire Reserve earn?
What you earn back, by category.
60,000 points after $4,000 in first 3 months
What do you get with the Chase Sapphire Reserve?
- 10x on hotels and rental cars booked via Chase Travel
- 5x on flights booked via Chase Travel
- 3x on all other dining + travel
- $300 annual travel credit
- Priority Pass Select + Chase Sapphire Lounge access
- 50% bonus when redeeming for travel via Chase portal
- No foreign transaction fees
Who qualifies for the Chase Sapphire Reserve?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
What 1 Chase Sapphire Reserve point is actually worth
Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for Chase Sapphire Reserve:
Hyatt transferBest
1:1 to World of Hyatt. The Reserve kept 1:1 when the Preferred moved to 4:3.
United / Singapore Air transfer
1:1. Best for premium cabin sweet spots.
Statement credit
Welcome bonus, the under-priced lever
60,000 Ultimate Rewards after $4,000 in the first 3 months
Latest on the Chase Sapphire Reserve
What people say about the Chase Sapphire Reserve
Real answers from readers. No login, and nothing here affects our scores.
Chase Sapphire Reserve FAQ
›What is the Chase Sapphire Reserve annual fee?
The annual fee is $795 (joining fee $0).
›What does the Chase Sapphire Reserve earn?
It earns 10% on travel and 1% on everything else.
›What is the Chase Sapphire Reserve forex markup?
The Chase Sapphire Reserve charges 0% forex markup on foreign-currency spends.
›What income do you need for the Chase Sapphire Reserve?
Chase publishes no minimum income requirement for this card; approval rests on your credit profile.
›What is the Chase Sapphire Reserve welcome bonus?
60,000 points after $4,000 in first 3 months.
›Are these Chase Sapphire Reserve figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
