Chase Sapphire Reserve® Credit Card
- Annual fee
- $795
- Top rewards rate
- 4%on travel
- Annual credits
- $2,298+$120 every 4 yrs
- Welcome bonus
- 100,000 points after $6,000 spend in 3 months
- Point value
- 1.5¢per point
- Foreign transaction fee
- 0%
Much of the value here is in $2,298 of annual credits rather than the earn rate. Worth it only if you’d use them.
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Full earn rates: 4% on travel and 3% on dining, then 1% on everything else.
Annual Credits
This card currently offers $2,298 in annual credits, plus a $120 Global Entry/TSA PreCheck/NEXUS credit every 4 years. What they're actually worth depends on how you spend, so run your own numbers in the calculator to see which ones you'd capture.
- $500 The Edit hotel credit (max $250/booking, 2-night min) requires enrollment or a specific merchant
- $300 Annual travel credit requires spending in this category
- $300 Dining credit at Sapphire Exclusive Tables ($150 per half-year) requires enrollment or a specific merchant
- $300 StubHub credit ($150 per half-year) requires enrollment or a specific merchant · ends 2027-12-31
- $288 Apple TV & Apple Music subscriptions requires enrollment or a specific merchant · ends 2027-06-22
- $250 Select Chase Travel hotels credit (2-night min) requires enrollment or a specific merchant · ends 2026-12-31
- $120 Global Entry/TSA PreCheck/NEXUS $120 every 4 years
- $120 Lyft credit ($10/month) requires enrollment or a specific merchant · ends 2027-09-30
- $120 Peloton credit ($10/month) requires enrollment or a specific merchant · ends 2027-12-31
- $120 DoorDash DashPass (activate by expiry) requires enrollment or a specific merchant · ends 2027-12-31
Credits are not factored into our rankings. Cards are ordered by rewards earned minus the full annual fee. We show credits separately so you can judge them against your own habits rather than taking an advertised total at face value.
Sign-Up Bonus
after spending $6,000 in the first 3 months
Rewards Breakdown
| Category | Rate | Details |
|---|---|---|
| Travel | 4% | Unlimited |
| Dining | 3% | Unlimited |
| Travel if you qualify | 8% | Earns 8% only on travel booked through Chase Travel, Chase's own booking site. Flights and hotels booked direct earn 4%. |
| All other purchases | 1% | Unlimited |
| Foreign Transaction Fee | None | Great for international purchases |
What that looks like
Spend $1,000 on travel and you earn 4,000 points, worth about $60 once redeemed. That works out to 6% on that spending, not 4%.
Points worth approximately 1.5¢ each based on typical redemption value.
Compare With Similar Cards
See How Much You’d Earn
Enter your monthly spending to see how the Chase Sapphire Reserve compares against other cards based on your actual habits.
See Your Estimated RewardsFrequently Asked Questions
What is the annual fee for the Chase Sapphire Reserve?
The Chase Sapphire Reserve has an annual fee of $795.
What is the sign-up bonus for the Chase Sapphire Reserve?
New cardholders can earn 100,000 points after spending $6,000 in the first 3 months.
Does the Chase Sapphire Reserve charge foreign transaction fees?
No, the Chase Sapphire Reserve does not charge foreign transaction fees.
What categories earn bonus rewards with the Chase Sapphire Reserve?
The Chase Sapphire Reserve earns 4% on travel, 3% on dining. It also advertises 8% through Chase Travel, but that rate applies only when you qualify, so it is excluded from our rankings.
These rankings are estimates based on published card terms. Actual rewards depend on your spending patterns, how you redeem, and whether your purchases qualify for bonus categories. Rates and terms may change, so verify current offers on the issuer’s site.