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Chase Sapphire Reserve

in Personal Credit Cards

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Chase Sapphire Reserve

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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:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Global Entry
  • Reports to major credit bureaus

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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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

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
Minimum Age
18
Credit Score Range
700 - 850
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type
Personal
Car Rental Insurance
Extended Warranty
Travel Insurance
Emergency Support
Flight Insurance
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Global Entry
  • ID Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Bonus Rewards
3x
No Blackout Dates
Every Purchase
1x
No Reward Expiration Period
Rewards Categories
  • Airfare
  • Every Purchase
  • Hotels
  • Restaurants
  • Trains, Cruises, Other Travel
Signup Bonus (points)
50,000
Annual Loyalty Bonus
$300
Purchase APR
17.49% - 24.49%
0% 29%
Cash Advance APR
Starting at
26.49%
Balance Computation
daily balance method (including new transactions)
APR Type
Variable APR
Balance Transfer APR
17.49% - 24.49%
8% 29%
Transfer Fee
5% or $5
Transfer Fee %
5%
Transfer Fee Minimum
$5

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