Chase Sapphire Reserve credit card
Chase · personal

Sapphire Reserve

8x through Chase Travel, 4x on direct airline and hotel bookings, 3x dining, plus premium travel benefits.

Published by CardwellSources & editorial standardsReport a correction
1x–8x rewards$795 annual fee
Apply / learn more

Cardwell may receive a referral reward. This does not affect rankings.

Card details reviewed Sep 12, 2026.

Current terms on Chase
Annual fee$795
Intro and ongoing APRNo 0% intro APR; 19.49%–27.99% variable purchase APR.
Foreign transaction feeNo foreign transaction fee.
Pros

Where this card stands out

  • Frequent premium travelers
  • Airport lounge users
  • Heavy Chase points users
Things to consider

Tradeoffs to review

  • The $795 annual fee is a major commitment.
  • Strong value requires meaningful travel and benefit usage.
Not ideal for

When another card may fit better

  • Fee-sensitive users
  • Occasional travelers
  • Simple cash-back seekers
Before you apply

Check the welcome offer for Sapphire Reserve

A welcome offer is not guaranteed. Check the exact application page for any bonus, eligible spending, deadline and restrictions on previous cardholders. Public, referral and personalized offers can differ.

Cardwell does not list a fixed bonus here or include it in ongoing reward estimates. Use only the offer actually shown to you.

Check offer on Chase Plan the spending requirement
Continue comparing

Use the next resource that matches the decision you are trying to make.

Educational comparison only. Offers and eligibility can change. Confirm the issuer’s current terms before applying. Cardwell does not guarantee approval.