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Chase Sapphire Reserve Benefits

Review Updated
Natasha Etzel
Author: Natasha Etzel
Natasha Etzel
Natasha Etzel
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Natasha has been a freelance writer since 2015. She specializes in credit card and credit card rewards content. When not busy writing, she's either dreaming up her next credit card rewards redemption or traveling the globe. Her goal is to encourage more people to experience the world around them while making smart financial choices.

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Eric McWhinnie
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Eric McWhinnie
Eric McWhinnie

Eric McWhinnie has been writing and editing digital content since 2010. He specializes in personal finance and investing. He also holds a bachelor’s degree in Finance.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.

There are a lot of great credit cards out there, so it's essential to look at the benefits of each card carefully. If you're considering a travel rewards card, the many Chase Sapphire Reserve® benefits make it a popular choice for frequent travelers.

This premium card comes with an annual fee of $550. That means it only makes sense if you're a regular traveler who will make the most of all the Chase Sapphire Reserve® benefits. Some of the most notable perks include a significant welcome bonus, a generous annual travel credit, and high earning potential. We've outlined the benefits below to help you decide if the Chase Sapphire Reserve® is the right credit card for you.

Chase Sapphire Reserve®
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Ratings Methodology

Chase Sapphire Reserve®

Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Chase Sapphire Reserve®
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.74% - 28.74% Variable

Rewards Circle with letter I in it. Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

5x points on flights and 10x points on hotels and car rentals through Chase Travel℠.

Annual Fee

$550

Welcome Offer Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

  • All the perks we've come to expect from a top travel card, including a $300 annual travel credit, airport lounge access, and big bonuses on travel and dining. Points are transferable to airline and hotel partners or worth 50% more if you book through Chase Travel. The annual fee is hefty, but if you can use all its features, this card could be well worth the cost.

    • Travel credits
    • Airport lounge access
    • Travel and dining rewards
    • Welcome offer
    • Flexible travel points
    • Annual fee
    • Limited-time benefits
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
    • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
    • Member FDIC

Chase Sapphire Reserve® benefits

This may be a travel credit card but it has plenty of non-travel perks. Here are a few of them:

Impressive sign-up bonus

One of the most notable Chase Sapphire Reserve® benefits is its impressive sign-up bonus offer. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening..

Earn 10 points per $1 on Ultimate Rewards Chase Dining purchases

When using your Chase Sapphire Reserve® card to make dining purchases through the Chase Travel portal, you'll earn 10 points per $1 on your spending.

Earn 3 points per $1 on other dining purchases

It doesn't matter whether you're at home or traveling, dining out, or ordering takeout. If you're a Chase Sapphire Reserve® cardholder, you'll earn 3 points per $1 on dining purchases, including delivery and takeout services. This earning rate is for dining purchases made outside of Chase's portal.

Access to Reserved by Sapphire reservation opportunities

Chase Sapphire Reserve® cardmembers get access to exclusive "Reserved by Sapphire" reservation opportunities. Cardholders can make reservations at some of the most sought-after restaurants nationwide and get early access to VIP dining and entertainment experiences.

Purchase and return protection

Purchase protection is another top Chase Sapphire Reserve® benefit. Purchases made with the card are covered for up to 120 days against theft and damage. You're entitled to up to $10,000 per claim and $50,000 annually.

Sick of retailers not taking back your returns? You'll get return protection when you shop with this card. That means you can be reimbursed for up to $1,000 annually, even if the store won't take back your shopping. You can claim up to $500 per item within 90 days of purchase.

Extended warranty protection

There's nothing worse than the warranty running out on an expensive item. The Chase Sapphire Reserve® card's extended warranty protection extends U.S. manufacturers' warranties by an extra year. This is available for eligible warranties of three years or less.

Chase Sapphire Reserve® travel benefits

This travel rewards credit card is often rated as one of the best travel credit cards we've seen. Here's why.

$300 annual travel credit

This Chase card offers an annual $300 travel credit as a statement credit for qualifying travel purchases. If you plan to use your card for regular travel purchases, this credit is easy to earn and helps offset the annual fee.

$120 credit for TSA PreCheck or Global Entry

If you plan to apply for TSA PreCheck or Global Entry, you'll want to be sure to use your Chase Sapphire Reserve® card. Every four years, this card offers up to $120 reimbursement for either a TSA PreCheck, Global Entry, or NEXUS application fee. Using this credit for Global Entry is the smartest bet because it also includes TSA PreCheck.

Earn 10 points per $1 on hotel stays and car rentals purchased through the Chase Travel portal

When you book hotel stays and car rentals through the Chase Travel portal, you'll earn 10 points per $1. This earning is available after the first $300 is spent on travel purchases annually.

Choosing a credit card

Don't you wish you could take a peek inside a credit card expert's wallet sometimes? Just to see the cards they carry? Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. Get started here:

Best travel rewards cards

Earn 5 points per $1 on air travel booked through the Chase Travel portal

You'll earn 5 points per $1 when you book air travel through the Chase Travel portal. This earning is available after the first $300 is spent on travel purchases annually.

Earn 3 points per $1 on other travel spending

You'll still earn rewards when you book travel outside the portal.You'll earn 3 points per $1 on qualifying travel purchases. With so much earning potential, you can reach your reward points goals faster.

Complimentary airport lounge access

Spending time at the airport is more enjoyable with a Chase Sapphire Reserve® card. This credit card includes a Priority Pass Select membership. This gets you and up to two guests into over 1,300 airport lounges free of charge. When comparing credit cards, this is a significant benefit if you spend a lot of time in airports.

No foreign transaction fees

Traveling abroad with this travel rewards card is no worry because there are no foreign transaction fees. Many non-travel credit cards charge a fee for foreign transactions. This is often around 3% for foreign purchases, which can add up fast. That's why carrying one of the best no foreign transaction fee credit cards in your wallet (like this one) when traveling abroad is best.

Luxury hotel perks

Chase partners with the Luxury Hotel & Resort Collection to offer extra benefits at more than 1,000 properties. This includes luxury hotel perks like resort credits, room upgrades, late check-out, and daily breakfast for two.

Points are worth more when redeemed for travel

Another reason this is considered among the best credit cards is it provides more value when redeeming points for travel. Cardholders get 50% more value on travel purchases through the Chase Travel portal. That means your points go further.

The valuable Chase Ultimate Rewards points are one of the best Chase card benefits. Chase has a variety of airline and hotel transfer partners, meaning points can be redeemed in many ways.

Read more: How to Use the Chase Travel Portal

Trip protection

When you plan a trip, you'll want to be protected if something unexpected happens. Chase Sapphire Reserve® benefits include trip protection.

This Chase card includes trip cancellation and trip interruption insurance. You'll be covered if a trip is canceled or cut short due to sickness, bad weather, or other covered situations. You'll be reimbursed for up to $10,000 per person and $20,000 per trip in pre-paid non-refundable travel expenses.

You can also get your money back if your trip is delayed. If your flight is delayed over six hours or requires an overnight stay, you and your family can claim up to $500 per ticket toward expenses such as meals and lodging.

Plus, if the carrier damages or loses your luggage, you're covered up to $3,000 per person. This Chase Sapphire Reserve® perk is available to you and your immediate family members.

This travel card includes emergency evacuation and transportation coverage in case of a serious emergency. If you or an immediate family member become injured or sick during a trip, you can claim up to $100,000 in medical services and transportation.

Car rental insurance

The Chase Sapphire Reserve® also includes a collision damage waiver on your car rental. To use this perk, you'll need to decline the rental company's collision insurance and charge the entire rental cost to your card. You'll be covered for up to $75,000 for theft and collision damage. This is available to rental cars within the United States and abroad.

Read more: A Guide to Chase Sapphire Reserve's Travel Insurance Benefits

Other considerations

You may wonder whether to apply for the Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card. The Chase Sapphire Reserve® is a good fit for regular travelers. But if you're not a frequent traveler or want a great card with a lower or no annual fee, the Chase Sapphire Preferred® Card may be a better fit.

Here's a side-by-side comparison of these two popular Chase credit cards:

As of Dec. 26, 2024
Image for
Image for
Chase Sapphire Reserve® Chase Sapphire Preferred® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Welcome Offer: Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

Welcome Offer: Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

Rewards Program: Circle with letter I in it. Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

5x points on flights and 10x points on hotels and car rentals through Chase Travel℠.

Rewards Program: Circle with letter I in it. Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR:

21.74% - 28.74% Variable

Regular APR:

20.74% - 27.74% Variable

Annual Fee:

$550

Annual Fee:

$95

Highlights:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
  • Member FDIC

Highlights:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • Member FDIC
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Show More Arrow graphic to expand and collapse content Show Less Arrow graphic to expand and collapse content

It's easy to see why so many people consider this to be one of the best Chase credit cards. You'll need a good or excellent credit score to qualify, though. You can get prequalified for a Chase card if you're ready to apply.

Not sure where to start? Get started with our list of favorite Chase credit cards here:

Best Chase credit cards

Still have questions?

Some other questions we've answered:

FAQs

  • The Chase Sapphire Reserve® has a $550 annual fee.

  • As a Chase Sapphire Reserve® cardholder, you'll get an annual $300 travel credit, a complimentary Priority Pass Select membership, which gets you access to over 1,3000 airport lounges, and the ability to earn significant rewards in various spending categories, including dining and travel. These are just a few of the best perks included with this premium travel rewards credit card.

  • If you don't mind paying the annual fee, travel often, and will put the premium perks to use, this may be a worthwhile card. However, if you don't travel often, or aren't looking for premium travel benefits, this card may not be ideal for you.