Chase Sapphire Reserve Visa
in Personal Credit Cards from Chase Bank
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| Community Rating | Strongly recommended |
| Purchase APR (Variable APR) | 16.99% - 23.99% |
| Balance Transfer APR (Variable APR) | 16.99% - 23.99% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $550 |
| Number of Reviews | 6 |
Chase Sapphire Reserve Visa Review
This is a rewards credit card issued by Chase Bank. If you're wondering whether Chase Sapphire Reserve Visa is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
Key Takeaways
- Generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
- Signup bonus. Offers a signup bonus of 50000 points after spending $4,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Chase Sapphire Reserve Visa has a variable purchase APR that ranges from 16.99% up to 23.99%.
- 5% Balance transfer fee. Chase Sapphire Reserve Visa charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, airline credit, access to a concierge, emergency support, extended warranty protection on purchases, Global Entry / TSA Precheck Fee Credit, identity theft protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Chase Sapphire Reserve Visa
| The Good | The Bad |
|---|---|
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Chase Sapphire Reserve Visa FAQ
Does Chase Sapphire Reserve Visa have a cash back or rewards program?
Chase Sapphire Reserve Visa is a travel rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | 3x |
| Annual rewards limit | N/A |
| Signup Bonus (Points/Miles) | 50000 |
| Signup Bonus Spend Requirement | $4000 |
| Signup Bonus Spend Period (months) | 3 months |
| Annual Loyalty Bonus | $300 |
Does Chase Sapphire Reserve Visa have a signup bonus?
This card 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.Does Chase Sapphire Reserve Visa offer an annual loyalty bonus?
Yes, it offers cardholders an annual bonus worth up to $300.
What are the Chase Sapphire Reserve Visa benefits?
It provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Chase Sapphire Reserve Visa?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.It has a variable purchase APR that ranges from 16.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 23.99%. It also has a variable cash advance APR of 24.99% .
Does Chase Sapphire Reserve Visa have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Chase Sapphire Reserve Visa have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Chase Sapphire Reserve Visa?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $550 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $39 |
| Late Payment Fee | up to $39 |
Does Chase Sapphire Reserve Visa have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Chase Sapphire Reserve Visa?
The Chase Sapphire Reserve Visa customer service number is (877) 242-7372.
What is the support contact email for Chase Sapphire Reserve Visa?
The support contact email for Chase Sapphire Reserve Visa is customerdepartament@chase.com.
How do people rate the customer service and user experience of Chase Sapphire Reserve Visa?
Overall, Chase Sapphire Reserve Visa is strongly recommended based on community reviews that rate customer service and user experience.
Does Chase Sapphire Reserve Visa report your account activity to credit bureaus?
Yes, Chase Sapphire Reserve Visa reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Chase Sapphire Reserve Visa
- Visit the Chase Sapphire Reserve Visa website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
- Headquarters
-
270 Park Avenue
New York, NY 10017 - (877) 242-7372
- Visit Site
- Email Support
Other Services by Chase Bank
View all personal credit cards offered by Chase Bank
Availability
Available in 50 states and Washington, D.C.
- 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
| Foreign Currency Transaction Fee | 0% |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 21 days |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Annual Fee | $550 |
| Returned Payment Fee | Up to $39 |
| Additional Card Fee Amount | $75 |
| Late Fee Amount | Up to $39 |
Chase Sapphire Reserve Visa Community Reviews
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