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  Chase Sapphire Reserve Visa

Chase Sapphire Reserve Visa

in Personal Credit Cards from Chase Bank

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Chase Sapphire Reserve Visa

Claimed

in Personal Credit Cards from Chase Bank

SuperMoney Net Recommendation Score +83

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +83, equating to 4.7 on a 5 point rating scale.

+83

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

5 users recommend
1 user is unsure
0 users don't recommend
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Highlights
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
  • Multiple credit card perks.
  • Airline Credit.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Global Entry / TSA Precheck Fee Credit.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Chase Sapphire Reserve Visa reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges an annual fee of $550
  • Charges a 5% balance transfer fee.
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.

Chase Sapphire Reserve Visa Rewards
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:

Chase Sapphire Reserve Visa Fees
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.

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...
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

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

Other Services by Chase Bank

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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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Airline Credit
  • Airport Lounge Access
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Global Entry / TSA Precheck Fee Credit
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Annual Loyalty Bonus $300
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • 3x Points on Travel
  • 3x Points on Airfare
  • 3x Points on Groceries up to $1000 monthly
  • 3x Points on Hotels
  • 3x Points on Restaurants
  • 1x Point on Every Purchase
Signup Bonus (points) 50,000
Cash Advance APR (Variable APR) 24.99%
Balance Computation daily balance method (including new transactions).
Purchase APR (Variable APR) 16.99% - 23.99%
Balance Transfer APR (Variable APR) 16.99% - 23.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Bonus Offers
  • Rewards
  • Travel
Card Network Visa

Chase Sapphire Reserve Visa Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +83, equating to 4.7 on a 5 point rating scale.

+83

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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