Chase Sapphire Reserve Credit Card Review
The Chase Sapphire Reserve is a premium travel card built for frequent travelers. With a current sign-up bonus of 125,000 points, a $300 annual travel credit, and access to over 1,300 airport lounges worldwide, it's one of the most feature-rich travel cards available.
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What Does the Sign-Up Bonus Get You?
When you sign up for the Chase Sapphire Reserve and spend $6,000 in the first 3 months, you'll earn 125,000 bonus points. Points are worth 1.5X when redeemed for travel through Chase Travel, meaning those 125,000 points are worth $1,875 in travel. They can also be transferred to over a dozen airline and hotel partners for potentially even greater value.
Is the Chase Sapphire Reserve Worth It?
The Sapphire Reserve is best for travelers who fly and stay in hotels regularly. The $795 annual fee is significant, but between the $300 annual travel credit, $500 annual The Edit hotel credit, and $300 annual dining credit, cardmembers who use all the benefits can offset a large portion of the fee. Access to 1,300+ airport lounges through Priority Pass and Chase Sapphire Lounges makes layovers far more comfortable. The 8X earning on Chase Travel and 4X on flights and hotels booked direct make it one of the highest-value cards for frequent travelers. That said, if you travel occasionally, the annual fee may be hard to justify — a lower-tier card like the Sapphire Preferred may be a better fit.
Card Perks in Detail
$300 Annual Travel CreditEach year you receive a $300 travel credit that automatically applies to any travel purchases on your card — flights, hotels, taxis, rideshare, and more.
$500 Annual The Edit Hotel CreditReceive up to $500 per year in credits for stays at The Edit, Chase's curated collection of luxury hotels. Issued as two $250 semi-annual credits, this is a significant benefit for hotel travelers.
$300 Annual Dining CreditReceive up to $300 per year in dining credits via Sapphire Reserve Exclusive Tables on OpenTable, split into two $150 semi-annual credits.
8X Points on Chase Travel, 4X on Direct Travel BookingsEarn 8 points per dollar on all purchases through Chase Travel, and 4X points on flights and hotels booked directly with airlines and hotels. Points are worth 1.5 cents each when redeemed through Chase Travel, making these some of the highest earn rates of any travel card.
Access to 1,300+ Airport LoungesCardmembers get a Priority Pass membership plus access to Chase Sapphire Lounges, covering over 1,300 lounges worldwide. Free food, drinks, Wi-Fi and a quiet place to work or relax — especially valuable for travelers with layovers.
$120 Global Entry or TSA PreCheck CreditReceive a statement credit of up to $120 every four years to cover the application fee for Global Entry or TSA PreCheck, helping you move through airports faster.
Complimentary Apple TV+ and Apple MusicEnjoy complimentary Apple TV+ and Apple Music subscriptions through June 2027 — an added perk worth up to $300 annually.
Travel and Purchase ProtectionIf your flight is delayed over 6 hours you can be reimbursed up to $500 per ticket for your traveling party. Baggage coverage, trip cancellation insurance, and purchase protection are also included.
No Foreign Transaction FeesUse your card abroad without any extra fees — a must-have for international travelers.
Pros and Cons
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Who Is This Card Best For?
This card is ideal for frequent travelers who fly multiple times a year, dine out regularly, and can take full advantage of perks like lounge access and the $300 travel credit. For a traveler who uses all the benefits, the effective annual fee after the travel credit is $250 — making the value proposition much stronger.
Who Should Skip This Card?
If you travel a few times a year or prefer simplicity, the $795 annual fee is hard to justify. Casual travelers would likely get more value from the Sapphire Preferred at $95 per year, or another entry-level travel card.
Quick Stats
| Annual Fee | $795 |
| Sign-Up Bonus | 125,000 points |
| Spending Requirement | $6,000 in first 3 months |
| Points on Chase Travel | 8X per dollar |
| Points on Direct Flights & Hotels | 4X per dollar |
| Points on All Other Purchases | 1X per dollar |
| Annual Travel Credit | $300 |
| Annual Hotel Credit | $500 (The Edit) |
| Annual Dining Credit | $300 |
| Best For | Frequent travelers wanting premium perks |
Our Verdict
The Chase Sapphire Reserve is one of the best premium travel cards on the market for the right cardholder. The $795 annual fee is steep, but between the $300 travel credit, $500 The Edit hotel credit, and $300 dining credit, dedicated travelers can recover a significant portion of that fee in annual benefits. The 125,000 point sign-up bonus alone is worth $1,875 in Chase Travel — making it a strong choice for serious travelers who can maximize its perks.