Top Reasons to get This Card
Welcome Offer
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Annual Travel Credit
The high Chase Sapphire Reserve® annual fee is cushioned quite a bit by free travel credit of $300 each year that can be used for travel purchases such as hotels, airfare, and rental cars. Chase Travel Credits will automatically apply to your statement when you make travel-related purchases.
Chase Ultimate Rewards Program
Cardholders can earn the highest points on travel and dining with flexible redemption options through the popular Chase Rewards Portal. The program adds value to your rewards with 1:1 point transfers to top airline and hotel loyalty programs.
Once you have spent the first $300 travel credit on travel purchases annually, you get 10x Total Points on Hotels & Car Rentals and 5x Total Points on Flights.
Generous Rewards
People who travel and dine frequently can take full advantage of the Chase Sapphire Reserve® by earning reward points and benefit from redeeming these points on Ultimate Rewards Program.
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10x Total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
- 10x Total points on Chase Dining purchases with Ultimate Rewards®.*
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5x Total points on flights through Chase Ultimate Rewards®.
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3x Points on other travel and dining.
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1x Point per $1 spent on all other purchases
Other Perks
This premium travel credit card has zero Foreign Transaction Fees, making it a great pick for international trips.
- It comes with Chase Reserve Travel Insurance, which provides many trip insurance benefits, including trip delay insurance, lost luggage insurance, trip cancellation/interruption insurance, primary rental car coverage, and more.
- Enjoy multiple hotel and airline transfer partners including United Airlines, Southwest Airlines, Marriott, Hyatt and a number of other international airlines (1:1 point transfer).
- Free Lyft Pink All Access Membership for two years (if activated by 31st Dec 2024).
Is This the Right Card for you?
The Chase Sapphire Reserve® is best designed for individuals who travel frequently, spend a lot on dining and enjoy premium experiences. It is suitable for those with excellent credit scores and is a good choice for those who want premium travel rewards and benefits and want to maximize their rewards.
People looking for luxury travel perks like lounge access, complimentary upgrades and comprehensive travel insurance may find the Chase Sapphire Reserve® card attractive.
This card comes with an elevated annual fee but compensates well with benefits to those who value luxury travel benefits.
Chase Sapphire Reserve® FAQ’s
Can you upgrade card_name to Chase Sapphire Reserve®?
Yes. If you have had a card_name, you will be able to upgrade to Chase Sapphire Reserve®.
You can do it either online or over the phone by calling (800) 432-3117.
How to upgrade card_name to Chase Sapphire Reserve®?
To make the switch from card_name to Chase Sapphire Reserve®, you can call the number on the back of the credit card and let the customer service team guide you on whether you are eligible and submit a request for the change on your behalf (if you meet the eligibility criteria).
Does Chase Sapphire Reserve® have foreign transaction fees?
With Chase Sapphire Reserve®, you don’t need to pay any foreign transaction fee on using your card for purchases made out of the USA.
For instance, if you spend $10,000 internationally, you would save $300 you would have paid if the card had a foreign transaction fee.
How to activate priority pass Chase Sapphire Reserve®?
You can activate the Priority Pass membership with your Chase Sapphire Reserve® by following these steps:
- Sign into Chase Ultimate Rewards and select “Total Points” in the bottom left of the page
- Select the card and click on Card Benefits
- Choose Travel from the list of benefits
- Pick Complimentary Airport Lounge Access
Once you activate the membership, you will get the Priority Pass in the mail
How to downgrade Chase Sapphire Reserve®?
To downgrade your Chase Sapphire Reserve®, you need to talk to the customer care team of Chase at 800-432-3117.
They will guide you through the process.
How to get Chase Sapphire Reserve®?
You can increase your chances of getting approved for a Chase Sapphire Reserve® by having a credit score of 740 or more.
You will also need a decent income and qualify as per the Chase 5/24 rule that says you must not have had five credit cards in the last 24 months.
Is Chase Sapphire Reserve® worth it?
Though the card has a high annual fee of $550, you can get the most out it by earning and using the rewards wisely. The card offers:
- 10x Total Points on Hotels & Car Rentals
- 5x Total Points on Flights
- 3x Points on travel and dining purchases
- 1x Points on all other purchases.
It also lets you redeem the points at multiple hotel and airline transfer partners such as United Airlines, Southwest Airlines, Marriott, Hyatt and many more.
Also, make sure you take full advantage of most of the card’s perks, which include everything from the annual $300 travel credit to the Lyft, DoorDash, and Peloton perks.
You should also make use of luxury travel perks such as strong travel insurance protections and airport lounge access.
Does Chase Sapphire Reserve® cover Turo?
It’s complicated. Chase’s insurance doesn’t cover Turo rentals as it’s not a car rental company.
However, if you complete the rental through a commercial car rental agency and get a car rental contract showing that you are renting from a commercial rental company and not from an individual, you might get the coverage.
Does Chase Sapphire Reserve® Offer Lounge Access?
Yes. You can get access to more than 1300 lounges all over the world.
Does Chase Sapphire Reserve® have travel insurance?
Yes. Chase Sapphire Reserve® offers the following travel insurance benefits:
- Trip Cancellation/Interruption – Up to $10,000 per person or $20,000 per trip
- Trip Delay Reimbursement- Up to $500 per ticket
- Lost Luggage Reimbursement – Up to $3,000 per passenger
- Delayed Baggage Reimbursement- Up to $100 per day for up to five days
- Roadside Assistance- Up to $50 per incident four times per year
- Emergency Evacuation And Transportation- Up to $100,000
- Travel Accident Insurance – Up to $1,000,000 for Common Carrier Travel Accident Insurance or $100,000 for 24 Hour Travel Accident Insurance
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any other entities.
