Last Updated: 10/08/2025
SuperMoney User Recommendation Score +85
Strongly recommended13 total votes
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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 |
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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.
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
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Other Credit Cards from Chase Bank
Purchase APR
19.99% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
18.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 29.24%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 27.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Disclaimer popup with additional information
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +85, or 4.7 on a 5-point rating scale.
+85
-1000+100
No one recommends
Everyone recommends
Chase Sapphire Reserve® Community Reviews
Would you recommend Chase Sapphire Reserve® to your friends?
Christian G.
Aug 3, 2023
May or may not recommend
i do feel like sharing a lot and a lot i even buy sodas for my friends everyday
AY
Allen Y.
Dec 27, 2022
May or may not recommend
The other reviews really hit the nail on the head, if you are consummate traveler and are experienced with reward based credit cards then the Chase Sapphire Reserve Card is an almost must have. The $550 annual fee seems to be a bit stiff up front but if you travel at all this hefty amount is almost instantly negated by the $300 annual travel credit. The travel rewards are some ...Show More
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Great credit card. If you use it regularly the benefits outweigh the fees for sure
SW
Sue W.
Nov 17, 2022
May or may not recommend
Great credit card. If you use it regularly the benefits outweigh the fees for sure.
Joyce H.
Jun 14, 2022
May or may not recommend
This is a high tiered card and not for beginners. It has a high annual fee but have a very good rewards program. If you play it right, your benefits can offset the annual fee. My husband and I used their rewards program to book hotel using their travel credit.
Also, you can maximize raking in rewards points by using this card for specific purchases since they offer 3x-5x rewards ...Show More
JE
Jerome E.
Dec 21, 2021
May or may not recommend
This is a Premium credit card only to be used if you are well-experienced in rewards points with Chase's Ultimate Rewards program. Its high annual fee $550 can be offset by $300 travel credit when booking with the card and 10x bonus points on certain categories. Do not manufacture spend with this card. You should have recurring high expenses to use this card.
LH
Lashane H.
Dec 3, 2021
May or may not recommend
For avid travelers, the Chase Sapphire Reserve Card is an excellent deal — beware there is a $550 annual fee. One of the features that I like is the annual $300 travel credit, and also a bonus rewards that can be transferred at a 1:1 ratio to several loyalty programs, it stands out as one of the best premium travel cards available.
GL
Grace L.
Aug 14, 2021
May or may not recommend
This is the card if you travel often. It offers a lot of perks regarding traveling. You get a flexible $300 annual travel credit, and get 50% more value when you redeem points for travel.
ES
Emily S.
Jun 23, 2021
May or may not recommend
Good if you use your credit to pay for a lot of bills because the cash back is good and traveling perks accumulate fast on here. There is an annual 300 dollar travel credit too. However, the annual fee can be hefty if you don't use the card enough. It can be easy to earn points if you take advantage of their promos since every 10 points is a dollar.
HO
Hayden O.
Jan 11, 2021
May or may not recommend
If you can afford the annual fee, and spend enough money each year to justify it - this is one of the best credit card options on the market.
Perks include up to 3x Rewards, an annual $300 travel credit, up to 5x points on Lyft, and up to 50,000 points when you spend over $4,000.00 in the first 3 months.
This card has allowed us to travel across the US and ...Show More
PR
Poorva R.
Oct 9, 2020
May or may not recommend
I have been using the Chase Sapphire Reserve Credit Card for the past 3 years and the benefits have been phenomenal. This is one of the elite Chase cards that comes with an amazing customer service. The biggest benefit is the 50,000 points sign-up bonus which can be obtained by spending some amount within the first 3 months. You can get 50% more value when you use the card points ...Show More
KM
Kennoel M.
Oct 6, 2020
May or may not recommend
This is hands down the best credit card that I've had, especially for someone that travels a lot. There is a $550 annual fee, but you get all back with the amount of benefits you receive. $300 annual travel credit, they give you credit to sign up global entry or TSA pre-check. No foreign transactions fees. For brand new customers, they also usually give you a lot bonus points if ...Show More
U
Anonymous
Aug 30, 2019
May or may not recommend
Great customer service. Great rewards perk of 50% extension on points used for travel that stack up with other chase products.
Showing 13 of 13 reviews
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