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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

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in Personal Credit Cards from Chase Bank

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Highlights
Highlights
Community Rating

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In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR  (Variable APR) 18.49% - 25.49%
Credit Score Range 700 - 850
Annual Fee $550
Purchase APR  (Variable APR) 18.49% - 25.49%
Rewards Rates
  • Airfare
  • Every Purchase
  • Hotels
  • Restaurants
  • Travel

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 a rewards rate of 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.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.49% up to 25.49%.
  • 5% Balance transfer fee. Chase Sapphire Reserve Visa charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $50 in transfer fees. The minimum fee is $5.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you 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, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

Chase Sapphire Reserve Visa Pros and Cons:

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.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Chase Sapphire Reserve Visa reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges an annual fee of $550
  • Charges a 5% balance transfer fee.

Is there a Chase Sapphire Reserve Visa cash back or rewards program?

Chase Sapphire Reserve Visa offers a rewards program to its customers.

Chase Sapphire Reserve Visa Rewards
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) 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
  • ID Theft Protection
  • 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 higher than average purchase APRs.

Chase Sapphire Reserve Visa has a variable purchase APR that ranges from 18.49% up to 25.49%. The card has a variable balance transfer APR that ranges from 18.49% up to 25.49%. It also has a variable cash advance APR of 26.49% .

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.
Chase Sapphire Reserve Visa Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the Chase Sapphire Reserve Visa fees?

The following fees apply to Chase Sapphire Reserve Visa:

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?

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?

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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.
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
Card Type
  • Bonus Offers
  • Rewards
  • Travel
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Flight Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
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
Bonus Rewards 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Loyalty Bonus $300
No Reward Expiration Period  
No Blackout Dates  
Rewards Rates
  • Airfare
  • Every Purchase
  • Hotels
  • Restaurants
  • Travel
Signup Bonus (points) 50,000
Rewards Type Points
Cash Advance APR (Variable APR) 26.49%
Balance Computation daily balance method (including new transactions).
Purchase APR (Variable APR) 18.49% - 25.49%
Balance Transfer APR (Variable APR) 18.49% - 25.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%

Chase Sapphire Reserve Visa Community Reviews

 

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