Sapphire Reserve
- Annual fee
- $795
- Network
- visa
- Type
- personal
Earn 5x to 10x points on travel purchased through Chase Travel, 3x points on other travel and dining globally, and 1x points on all other purchases.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$2,748 of the advertised value — 81% — comes with strings attached.
- $3,378 advertised across 14 benefits.
- $2,748 (81%) needs a booking, enrollment, or deadline.
- Biggest credit — $500 Southwest Airlines Chase Travel credit (Spend Tier), $500 — comes with conditions.
- Annual Travel Credit ($300) posts automatically. No hoops.
- No-hoops value covers 79% of the annual fee.
- You'll actually use $500 Southwest Airlines Chase Travel credit (Spend Tier).
- You'll actually use Annual Travel Credit.
- 10× on eligible Peloton equipment and accessory purchases over $150 matches your spend.
- You won't use $500 Southwest Airlines Chase Travel credit (Spend Tier).
- You want the fee covered without chasing — $165 short.
Welcome offer
Earn 100,000 points after spending $6,000 in purchases in the first 3 months from account opening.
- Est. value
- $2,000
- Minimum spend
- $6,000
- Within
- 3 mo
Earning rates
- All other purchaseson all other purchases1×pts
- Top earnEligible Peloton equipment and accessory purchases over $150through 12/31/202710×pts
- Chase Travel purchaseson all purchases through Chase Travel, including The Edit8×pts
- Lyft ridesthrough 9/30/20275×pts
- Flights and hotels booked directon flights and hotels booked direct4×pts
- Dining at restaurantson dining at restaurants including takeout and eligible delivery services3×pts
On-card benefits & credits
- Common Carrier Travel Accident Insurance$1000000/As needed
When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $1,000,000 in accidental death or dismemberment coverage.
- 24-Hour Travel Accident Insurance$100000/As needed
Accidental death or dismemberment coverage up to $100,000 for the 24-hour period surrounding a covered trip.
- Emergency Evacuation and Transportation$100000/As needed
Coverage if you or a covered traveler are injured or become sick during a trip 100 miles or more from home that results in an emergency evacuation.
- Auto Rental Collision Damage Waiver$75000/As needed
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary.
- Trip Cancellation and Interruption Insurance$10000/As needed
If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed.
- Purchase Protection$10000/As needed
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft.
- Extended Warranty$10000/As needed
Extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less. Up to $10,000 per claim and $50,000 per account.
- Lost Luggage Reimbursement$3000/As needed
Provides reimbursement for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
- Emergency Medical and Dental$2500/As needed
Reimbursement up to $2,500 for medical expenses when sick or injured 100 miles or more from home on a trip, subject to a $50 deductible.
- Baggage Delay Insurance$500/As needed
Reimburses up to $100 a day for up to 5 days for essential purchases when baggage is delayed over 6 hours.
- $500 Southwest Airlines Chase Travel credit (Spend Tier)$500/Annual
Unlocks after $75000 calendar-year spend on the card. Receive statement credits for Southwest Airlines purchases made on Chase Travel.
- $500 credit for stays with The Edit$500/Annual
Starting January 1, 2026, up to $500 in automatic statement credits annually for prepaid bookings with The Edit by Chase Travel, with a maximum of $250 per transaction. Two-night minimum. Purchases that qualify will not earn points.
- Trip Delay Insurance$500/As needed
If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you are covered for unreimbursed expenses.
- Annual Travel Credit$300/Annual
Up to $300 in statement credits for travel purchases each account anniversary year. Purchases that qualify will not earn points.
- $250 Credit for select Chase Travel Hotels$250/Annual
Up to $250 in statement credits through 12/31/26 on prepaid Chase Travel hotel bookings at select brands. Two-night minimum required.
- $250 Credit for The Shops at Chase (Spend Tier)$250/Annual
Unlocks after $75000 calendar-year spend on the card. Statement credits applied for purchases at The Shops at Chase.
- Roadside Assistance$200/As needed
Call for a tow, battery assistance, tire change, locksmith or gas. Covered up to $50 per incident, 4 times a year ($200 annual maximum).
- $300 Annual Dining Credit$150/Semi-annual
Get up to $150 in statement credits from January through June and again from July through December when you dine at restaurants part of the Sapphire Exclusive Tables program on OpenTable.
- $300 in StubHub credits$150/Semi-annual
Get up to $150 in statement credits from January through June and again from July through December for StubHub and viagogo purchases through 12/31/2027.
- Apple Music Subscription$132/Annual
Complimentary Apple Music subscription for a minimum of one year when activated by June 22, 2027 — a value of $132 annually ($10.99/month). Existing Apple One subscribers get $8/month toward their subscription for a year after activation.
- Global Entry, TSA PreCheck ® , or NEXUS fee credit$120/One-time
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
- $120 DashPass membership$120/One-time
Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders.
- Up to $25 monthly in DoorDash promos$25/Monthly
Up to $25 each month in DoorDash promos — a $5 monthly restaurant promo plus two $10 monthly promos for groceries, retail and more, up to $300 annually. Activate by December 31, 2027.
- Apple TV Subscription$13/Monthly
Complimentary Apple TV subscription for a minimum of one year when activated by June 22, 2027 — a value of $156 annually ($12.99/month). Existing Apple One subscribers get $8/month toward their subscription for a year after activation.
- $120 in Peloton credits + 10x points$10/Monthly
Get $10 in statement credits per month on eligible Peloton memberships through 12/31/2027.
- $120 in Lyft credits + 5x points$10/Monthly
Get up to $10 in monthly in-app credits to use on rides through 9/30/2027.
- Chase Sapphire Reserve Lounge Network$0/Annual
Enjoy complimentary access to Chase Sapphire Lounges by The Club and 1,300+ Priority PassTM airport lounges worldwide with up to two guests.
- Reserve Travel Designers$0/As needed
Build and book a custom itinerary that unlocks hidden gems and new experiences around the world with a Reserve Travel Designer.
- IHG One Rewards Diamond Elite Status (Spend Tier)$0/Annual
Unlocks after $75000 calendar-year spend on the card. You will be eligible for IHG One Rewards Diamond Elite status.
- The Reserve Suites at LGA$0/As needed
Access to The Reserve Suites, a Chase Sapphire Reserve exclusive airport space at LaGuardia Airport, separate from the Priority Pass Select lounge network.
- Special Car Rental Privileges$0/Annual
Complimentary elite status and special privileges with participating car rental agencies, including upgrades and discounts where available.
- Sapphire Reserve Exclusive Tables on OpenTable$0/As needed
Access to Sapphire Reserve Exclusive Tables: reservations held at sought-after restaurants exclusively for Chase Sapphire Reserve cardmembers via OpenTable.
- No Foreign Transaction Fees$0/As needed
No foreign transaction fees on purchases made outside the U.S.
- Exclusive Access to Experiences$0/As needed
Cardmember access to curated events and experiences, including presale and preferred ticket access to sports, dining, music and cultural events.
- Return Protection$0/As needed
You can be reimbursed for eligible items that the store won't accept within 90 days of purchase, up to $500 per item, $1,000 per 12-month period. Secondary coverage, payable on an excess basis over any other valid avenue of recovery. Covers the cardmember.
- Marriott Bonvoy Gold Elite Status (Limited-Time)$0/One-time
Get 3 months of Marriott Bonvoy Gold Elite status by registering between July 1 and September 30, 2026. Extend status through February 2028 by staying 3 qualifying paid nights, booked directly through Marriott Bonvoy channels, within 3 months of registration.
- World of Hyatt Explorist Status (Spend Tier)$0/Annual
Unlocks after $75000 calendar-year spend on the card. You will be eligible for World of Hyatt Explorist status.
- The Edit on-property benefits$0/As needed
Enjoy special benefits at a variety of hand-selected top hotels and resorts worldwide, such as: complimentary room upgrades, complimentary meals for you and a guest, early check-in and late check-out, special discounts and credits, extra amenities, gifts and more. Applies per qualifying stay booked through The Edit by Chase Travel; not an annual statement credit and not separately valued.
- IHG One Rewards Platinum Elite Status$0/Annual
Get complimentary IHG One Rewards Platinum Elite Status with your Sapphire Reserve card through December 31, 2027.
- Concierge Service$0/As needed
Complimentary 24/7 Visa Infinite Concierge for travel planning, dining reservations, entertainment and everyday requests.
- Travel and Emergency Assistance Services$0/As needed
24/7 access to Benefit Administrators for legal and medical referrals and other travel and emergency assistance services when away from home. Cardmember is responsible for the cost of any goods or services obtained.
- Points Boost on Chase Travel Redemptions$0/As needed
Redeem Ultimate Rewards points for a boosted value on select flights and hotels booked through Chase Travel. Non-dollar entitlement: no annual value is assigned, since realized value depends on the specific booking.
- Southwest Airlines Rapid Rewards A-List Status (Spend Tier)$0/Annual
Unlocks after $75000 calendar-year spend on the card. You will be eligible for Southwest Rapid Rewards A-List status.
- 1:1 Point Transfers to Travel Partners$0/As needed
Transfer Chase Ultimate Rewards points at a 1:1 ratio to participating airline and hotel loyalty programs. Non-dollar entitlement: no annual value is assigned, since realized value depends on the redemption chosen.
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