LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit card review

Chase Sapphire Reserve Review

ChaseVisaTravel

Chase Sapphire Reserve earned 4.9 / 5 in our 2026 review. The Chase Sapphire Reserve earns 10x on chase travel portal with a $550 annual fee, a 60,000 bonus points welcome offer. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-04-29
Chase Sapphire Reserve credit card
Apply at Chase Compare all cards
TL;DR
Annual fee
$550
Signup bonus
$900
Top reward rate
10x on chase travel portal
Intro APR
None
Issuer
Chase
Network
Visa
Min credit score
720
Fintiex rating
4.9 / 5
Pros
  • +$300 annual travel credit, automatically applied to travel purchases
  • +10x points on hotels and car rentals via Chase Travel, 5x on flights
  • +3x on dining and travel worldwide
  • +Priority Pass Select airport lounge access (1,300+ lounges)
  • +TSA PreCheck, Global Entry, or NEXUS application fee credit
  • +No foreign transaction fees
  • +Trip cancellation, trip delay, baggage delay, and emergency evacuation coverage
  • +Primary rental car insurance
  • +Points worth 1.5 cents each in Chase Travel portal or transfer to 14 partners
Cons
  • -$550 annual fee (net $250 after $300 travel credit)
  • -Chase 5/24 rule applies
  • -60,000 bonus requires $4,000 spend in 3 months
  • -5% balance transfer fee
  • -Priority Pass restaurants excluded since 2023 at most locations

Rewards detail

chase travel portal
10x
hotel chase portal
10x
flights chase portal
5x
dining
3x
travel
3x
everything else
1x

Fintiex values Chase points at about 1.50 cents each, based on current transfer-partner redemption rates. Your real value will depend on how you redeem.

Rates and fees

Annual fee
$550
Purchase APR
22.49% to 29.49%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
22.49% to 29.49%
Cash advance APR
29.99%
Balance transfer fee
5%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for

The Sapphire Reserve is built for people who want a travel card. Most approvals land at FICO 720 and above, but issuers prefer scores near 750. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best travel cards roundup.

Compare with similar cards

Chase
Sapphire Preferred Card
5x on travel via Chase
$95 fee→
American Express
Platinum Card
5x on flights amex travel
$695 fee→
Capital One
Venture X Rewards Credit Card
10x on hotels capital one travel
$395 fee→
American Express
Gold Card
4x on dining
$325 fee→

Frequently asked questions

Does the Sapphire Reserve have a foreign transaction fee?
No. The Chase Sapphire Reserve charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Sapphire Reserve?
Approvals typically start around a FICO score of 720, but Chase prefers 750 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Sapphire Reserve signup bonus?
New cardholders earn 60,000 bonus points after spending $4,000 in the first few months. Fintiex values that at about $900 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Sapphire Reserve have a 0% intro APR offer?
No. The Chase Sapphire Reserve does not currently offer a 0% intro APR period. The standard variable purchase APR is 22.49% to 29.49%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Sapphire Reserve?
$550 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the Sapphire Reserve worth it?
Fintiex rates the Chase Sapphire Reserve 4.9 out of 5 for 2026. It is best for travel. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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