Sapphire Reserve
Chase$795 a yearVisa InfiniteNo foreign transaction feeIssuer's page
Wait for a bigger offer if you can: a higher one ran recently.
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Welcome bonus
100,000points
after $6,000 in purchases in the first 3 months
Lower than the 125,000-point offer we last recorded in July 2026.
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus100,000 points at 1.5¢ | $1,500 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$190 |
| Credits you'll likely useof $1,500 face value | +$756 |
| Annual fee | −$795 |
| Meeting the $6,000 minimumearns 1.5% here vs 2% on Double Cash | −$30 |
| First year | $1,621 |
| Each year after | +$818 |
Not counted in the first year: lounge access, status and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | Dining | 4.5% |
| 8X | Travel booked through Chase Travel | 12% |
| 4X | Flights booked directly with airlines | 6% |
| 4X | Hotels booked directly with hotels | 6% |
| 1X | Everything else | 1.5% |
+ 2 more rates
| Rate | Category | Return |
|---|---|---|
| 10X | Peloton hardware and accessory purchasesup to 50,000 total points | 15% |
| 5X | Lyftthrough 9/30/2027 | 7.5% |
Noteworthy perks
- The Edit by Chase Travel$500 a year
- Travel$300 a year
- Chase Sapphire Lounge
- IHG One Rewards Platinum (enrollment required)
Personal card · Earns Chase Ultimate Rewards · Authorized user fee $195
Where this card ranks
- Listed among 91 cards for flights6.0%
- Listed among 99 cards for hotels6.0%
- Listed among 147 cards for dining4.5%
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Credits & Perks (11)
- DoorDash Grocery/Retail #1 coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
First of 2 monthly coupons on non-restaurant DoorDash orders with DashPass (activate DashPass with the card by 12/31/29; the coupons continue while the complimentary DashPass lasts: 12 months from activation or to 12/31/29, whichever is later)
- DoorDash Grocery/Retail #2 coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Second of 2 monthly coupons on non-restaurant DoorDash orders with DashPass (activate DashPass with the card by 12/31/29; the coupons continue while the complimentary DashPass lasts: 12 months from activation or to 12/31/29, whichever is later)
- The Edit by Chase Travel: $250 (Semi Annual Calendar Year)
Up to $250 twice per calendar year for prepaid bookings made with The Edit by Chase Travel. Two-night minimum stay required.
- Travel: $300 (Annual Cardmember Year)
No activation required. Automatic statement credits for eligible travel purchases each account anniversary year.
- OpenTable Exclusive Tables Dining: $150 (Semi Annual Calendar Year)
Activation required: Link card to OpenTable account. Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually for dining at restaurants that are part of our Sapphire Reserve Exclusive Tables.
- StubHub and viagogo: $150 (Semi Annual Calendar Year)
Activation required: One-time activation through chase.com or Chase Mobile app. Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually for StubHub and viagogo purchases through 12/31/27.
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Lyft: $10 (Monthly)
In-app credit (activation required, through 9/30/2027)
- Peloton: $10 (Monthly)
Up to $120 in annual statement credits towards Peloton memberships, including All-Access Membership, Rental, App One, App+, Guide or Strength+. Activation required (through 12/31/2027).
- DoorDash coupon: $15 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on all eligible DoorDash orders with DashPass (activate DashPass with the card by 12/31/29; the coupons continue while the complimentary DashPass lasts: 12 months from activation or to 12/31/29, whichever is later)
- Chase Travel Hotel (2026): $250 (Annual Calendar Year)
From January 1, 2026, through the end of the year, cardholders will get up to $250 in statement credits for prepaid bookings through Chase Travel for select hotel chains (IHG Hotels & Resorts, Omni Hotels & Resorts, Virgin Hotels, Pendry Hotels & Resorts, Montage Hotels & Resorts, Minor Hotels, Pan Pacific Hotels & Resorts). A minimum stay of two nights is required.
Lounge Access (3)
- Priority Pass Select (Unlimited): 2 free guests, paid guests allowed
- Chase Sapphire Lounge (Unlimited): 2 free guests, paid guests allowed
- Air Canada Maple Leaf Lounge (Unlimited): 1 free guest, paid guests allowed
Elite status (6)
- Marriott Bonvoy: Gold
- IHG One Rewards: Platinum
- IHG One Rewards: Diamond
- World of Hyatt: Explorist
- Southwest Rapid Rewards: A-List
- National Emerald Club: Executive
Protections (12)
- Baggage Delay, up to $500, Up to $100 per day for up to 5 days when bags delayed 6+ hours. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Travel Accident Insurance, up to $1,000,000, Up to $1,000,000 for death/dismemberment on common carrier. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Trip Cancellation/Interruption, up to $10,000, Up to $10,000 per traveler, $20,000 per trip for non-refundable costs. Pay for any part of your trip with your card to be eligible for this benefit.
- Trip Delay, up to $500, Up to $500 per traveler for delays over 6 hours. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Lost Luggage, up to $3,000, Coverage for luggage and contents lost/stolen by common carrier up to $3,000 per person per trip. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Emergency Evacuation, up to $100,000, Coverage for emergency medical evacuation costs up to $100,000. Pay for any part of your trip with your card to be eligible for this benefit.
- Emergency Medical/Dental, up to $2,500, Up to $2,500 for emergency medical and dental expenses. Put any part of common carrier transportation on your card to be eligible for this benefit.
- Purchase Protection, up to $10,000, 120 days coverage for theft/damage/involuntary parting (90 days for New York residents)
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by 1 year (max 3 years original)
- Return Protection, up to $500, Up to $500 per item when retailer won't accept return; reimbursement excludes shipping, handling fees and taxes. Purchases outside the United States are excluded.
- Auto Rental Collision Damage Waiver (primary), up to $75,000, Primary coverage up to $75,000 for rental car damage/theft (secondary for NY residents with personal auto insurance). Pay for the full cost on your card to be eligible for this benefit.
- Roadside Assistance, up to $50, Up to $50 per incident, max 2 gallon fill up, 4 times per year
Other Perks
- Points Boost feature: Baseline 1.0¢ per point in Chase Travel; up to 2.0¢ on select hotels and flights
- Complimentary Apple TV+ and Apple Music subscriptions (through 6/22/2027)
- Reserve Travel Designer: Complimentary personalized travel planning service (valued at up to $300 per trip)
- Complimentary DashPass for DoorDash and Caviar: activate by 12/31/2029; membership lasts 12 months from activation or to 12/31/2029, whichever is later
- Big Spend Benefits (after $75K annual spend): $250 credit for The Shops at Chase
- Big Spend Benefits (after $75K annual spend): $500 credit for Southwest Airlines purchases through Chase Travel
The Chase Ultimate Rewards Personal family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Sapphire ReserveOct 8, 2026
- changed from null to 6000Aug 13, 2026
- changed from null to 90Aug 13, 2026