Last Updated: 10/08/2025
SuperMoney User Recommendation Score +85
Strongly recommended13 total votes
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
20.24% - 28.74%(Verified 07/02/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
20.24% - 28.74%(Verified 07/02/2025)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$795
Disclaimer popup with additional information
Number of Reviews
Chase Sapphire Reserve® Review
This is a travel card issued by Chase Bank. If you're wondering whether Chase Sapphire Reserve® is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3 reward points per dollar spent.
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.24% up to 28.74%.
- A 5% balance transfer fee. Chase Sapphire Reserve® 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 Auto Rental Collision Damage Waiver, airline credit, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Chase Sapphire Reserve
| The Good | The Bad |
|
|
Chase Sapphire Reserve FAQ
Does Chase Sapphire Reserve have a cash back or rewards program?
Chase Sapphire Reserve is a travel rewards card.
| Description |
Does Chase Sapphire Reserve have a signup bonus?
Yes. Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Does Chase Sapphire Reserve offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Chase Sapphire Reserve benefits?
Chase Sapphire Reserve® 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?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Chase Sapphire Reserve® has a variable purchase APR that ranges from 20.24% up to 28.74%. The card has a variable balance transfer APR that ranges from 20.24% up to 28.74%. It also has a variable cash advance APR of 29.24% .
Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Chase Sapphire Reserve 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 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $795 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $795*each authorized user: $195 per year .
Does Chase Sapphire Reserve 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?
The customer service number for Chase Sapphire Reserve is (877) 242-7372.
What is the support contact email for Chase Sapphire Reserve?
The support contact email for Chase Sapphire Reserve is customerdepartament@chase.com.
What is the login page for Chase Sapphire Reserve?
You can access the login page of Chase Sapphire Reserve here.
How do people rate the customer service and user experience of Chase Sapphire Reserve?
Overall, Chase Sapphire Reserve is strongly recommended based on community reviews that rate customer service and user experience.
Does Chase Sapphire Reserve® report your account activity to credit bureaus?
Yes, Chase Sapphire Reserve® reports to the following credit bureaus:
- 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 build your credit.
Does Chase Bank perform a hard credit pull?
Yes, Chase Sapphire Reserve performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Chase Sapphire Reserve
- Visit the website of Chase Sapphire Reserve.
- 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.
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