Chase Sapphire Reserve
in Personal Credit Cards
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Overview
Who is this credit card designed for?
Chase Sapphire Reserve is a credit card issued by Chase Bank, which is based in New York, NY.
Chase Sapphire Reserve is designed for people with a credit score of 700 to 850. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks.
What are the relevant APRs?
Chase Sapphire Reserve has a variable purchase APR that ranges from 17.49% up to 24.49%.
The card has a variable balance transfer APR that ranges from 17.49% up to 24.49%.
It also has a variable cash advance APR starting at 26.49%.
Is an introductory APR offer available?
No, Chase Sapphire Reserve does not come with an introductory APR offer for balance transfers.
Chase Sapphire Reserve does not offer an introductory rate on new purchases.
What are the fees?
The following fees apply to Chase Sapphire Reserve:
- An annual fee of $450. Make sure the rewards and benefits of this card justify the cost of the annual fee.
- A late payment penalty of $37.
- A returned payment fee of $37.
- There are no foreign transaction fees.
Is a rewards program offered?
Chase Sapphire Reserve offers a rewards program to its customers. This card features rewards for purchases in the following categories:
- Airfare
- Every Purchase
- Hotels
- Restaurants
- Trains, Cruises, Other Travel
Is a signup bonus offered?
Chase Sapphire Reserve doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $4000 that can be redeemed for travel, gifts, or other perks.
Is an annual loyalty bonus offered?
Yes, Chase Sapphire Reserve offers card users a signup bonus worth up to $300.
What additional benefits are offered?
Chase Sapphire Reserve provides the following benefits:
Does Chase Sapphire Reserve report your account activity to credit bureaus?
Chase Sapphire Reserve reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Grace Period for Late Payment (Days) | 21 |
| Foreign Currency Transaction Fee | 0% |
| No Foreign Transaction Fee | |
| Late Payment Penalty | $37 |
| Returned Payment Fee | $37 |
| Annual Fee | $450 |
| Balance Transfer Fee % | 5% |
| Balance Transfer Fee Minimum | $5 |
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17.49% - 24.49%
Balance Transfer APR
17.49% - 24.49%
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Balance Transfer APR
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