Chase Sapphire Reserve
Review the costs, rewards and application terms that matter for your comparison. Confirm the offer shown to you at the issuer before applying.
Published by Fintiex · Updated 2026-09-24 · How we check information
Check current issuer terms ↗
Official source check
Issuer product information and available pricing disclosures reviewed. Terms below apply to the cited public offer; personalized offers and existing accounts can differ.
Selected facts checked 2026-09-24. Official source ↗
Additional issuer source ↗ · Checked 2026-09-23
Additional issuer source ↗ · Checked 2026-09-24
Additional issuer source ↗ · Checked 2026-09-24
Sapphire Reserve: weigh the fee against your actual trips
What does the $795 annual fee buy you?
Start with benefits that replace planned expenses. If you fully use the $300 annual travel credit, the fee less that credit is $495. That is a planning subtotal, not a reduced billed fee. Other benefits may close the gap, but enrollment, booking restrictions and expiration can limit their value. Add authorized-user costs separately.
How to read the purchase APR
The current recorded range is variable and does not predict which rate you will receive. Older APR ranges in search results may describe an earlier offer. Check Chase’s pricing disclosure and your own account terms. When borrowing costs enter the calculation, rewards alone are not a reliable reason to choose this card.
Avoid counting travel value twice
Purchases covered by the annual travel credit do not earn points. If you count a credit toward your annual-cost calculation, do not also assign full purchase rewards to the same credited amount. Calculate the first-year bonus separately from recurring benefits.
Analysis updated September 23, 2026. Issuer source · Our editorial process
Compare specific cards
Rates and fees
- Annual fee
- $795
- Purchase APR
- 19.49% to 27.99% variable
- Introductory APR
- No introductory APR listed in this offer
- Balance transfer APR
- 19.49% to 27.99% variable
- Balance transfer fee
- 5% of each transfer, $5 minimum. Transfers subject to eligibility.
- Cash advance APR
- 28.49% variable
- Cash advance fee
- 5% of each advance, $10 minimum
- Foreign transaction fee
- None
Rates shown are the advertised terms in the cited disclosures. Variable APRs can change. Your personalized offer and existing-account terms may differ.
Rewards and welcome offer
100,000 points after $6,000 in purchases in the first 3 months
8x Chase Travel; 4x flights and hotels booked directly; 3x dining; 1x other purchases
- 8 points per dollar through Chase Travel; 4 on direct flights and hotels; 3 on dining; 1 on other eligible purchases.
- $300 annual travel credit; purchases covered by the credit do not earn points.
- Points Boost can increase redemption value on select bookings; 2 cents is not a universal redemption rate.
Before you apply
- $795 annual fee.
- Welcome offer eligibility restrictions apply.
- Compare the annual cost with benefits you expect to use. Subtract fees and interest from any reward estimate.
- Confirm any bonus spending deadline and eligibility exclusions. Avoid extra spending solely to earn a promotion.
- We do not publish a minimum approval score without an issuer source. Approval depends on the issuer’s assessment of your application.
How to decide whether this card fits
Start with your purpose: everyday spending, travel, managing existing debt, business purchases or building credit history. Compare products serving that purpose, then check the official pricing disclosure. A high reward multiplier only helps on eligible purchases and at a redemption value you can actually use.
Application links do not establish a paid partnership. See our advertising disclosure. No individual financial advice or approval guarantee is provided.
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