Chase Sapphire Reserve Visa
in Personal Credit Cards from Chase Bank
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| Community Rating |
Rating not yet determined |
| 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 |
Chase Sapphire Reserve Visa Review
Chase Sapphire Reserve Visa 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 is everything you need to know to make a good choice.
Key Takeaways
- Generous reward rate. You will get a rewards rate of up to 3 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.
Chase Sapphire Reserve Visa Pros & Cons
| The Good | The Bad |
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Chase Sapphire Reserve Visa FAQ
Is there a Chase Sapphire Reserve Visa cash back or rewards program?
Chase Sapphire Reserve Visa offers a rewards program to its customers.
| 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?
Chase Sapphire Reserve Visa 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, Chase Sapphire Reserve Visa offers card users an annual bonus worth up to $300.
What are the Chase Sapphire Reserve Visa benefits?
Chase Sapphire Reserve Visa 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance.Chase Sapphire Reserve Visa 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 introductory APR offer on balance transfers?
No, Chase Sapphire Reserve Visa does not come with an introductory APR offer for balance transfers.Does Chase Sapphire Reserve Visa have an introductory APR offer on new purchases?
Chase Sapphire Reserve Visa does not offer an introductory rate on new purchases.What are the fees for Chase Sapphire Reserve Visa?
The following fees apply to Chase Sapphire Reserve Visa:
| 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?
Chase Sapphire Reserve Visa does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.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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Contact
- Headquarters
-
270 Park Avenue
New York, NY 10017 - (877) 242-7372
- Visit Site
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
| Airfare (Points) | 3 |
| Every Purchase (Points) | Earn 1 point per dollar spent on all other purchases. |
Chase Sapphire Reserve Visa Community Reviews
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