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Chase · credit
Last updated
Typically needs excellent credit (guideline, not a guarantee)
Is the Sapphire Reserve worth keeping when the fee hits? →
Welcome offer — 125,000 points after $6,000 spend in 3 months (offer rotates frequently) Inferred by source
Portal caveat — Chase Travel averages ~5.94% above booking direct; portal redemptions are worth less than the headline rate.
Worth knowing
Our assessment from this card's own published terms — vendor-neutral, never an issuer's wording. How we judge value.
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What this card delivers across six value dimensions (0–100, normalized).
| 8× | Chase Travel (flights, hotels, rentals) — Booked through Chase Travel portal Verified by source |
|---|---|
| 4× | Flights booked direct Verified by source |
| 4× | Hotels booked direct Verified by source |
| 3× | Dining worldwide — Includes eligible delivery Verified by source |
| 1× | Everything else Verified by source |
Chase Ultimate Rewards points transfer to these loyalty programs. All transfer 1:1, except World of Hyatt is 4:3 on Sapphire Preferred & Ink Business Preferred (see recent changes). Inferred by source
| Airlines (11) | |
|---|---|
| Hotels (3) |
Recent transfer changes
| Annual travel credit | $300/yr · annual Verified by source |
|---|---|
| The Edit hotel credit | $500/yr · semiannual Verified by source |
| Sapphire Exclusive Tables dining | $300/yr · semiannual Verified by sourceenroll |
| StubHub / viagogo | $300/yr · semiannual Verified by sourceenroll |
| DoorDash promo credits | $300/yr · monthly Verified by sourceenroll |
| Lyft | $120/yr · monthly · ends 2027-09-30 Verified by sourceenroll |
| Apple TV+ / Apple Music | $288/yr · annual · ends 2027-06-22 Verified by sourceenroll |
| Peloton membership | $120/yr · annual Verified by sourceenroll |
| Global Entry / TSA PreCheck / NEXUS | $120/yr · one-time Verified by source |
| Southwest Airlines credit | $500/yr · annual · at $75,000 spend Verified by sourceenroll |
| The Shops at Chase credit | $250/yr · annual · at $75,000 spend Verified by sourceenroll |
Which of these will you actually use?
Pre-checked = a typical cardholder captures it. Uncheck the ones you won't.
Heads up: Priority Pass isn't automatic — the card makes you eligible, but you must enroll and activate your Priority Pass membership through your card's benefits portal first. Without that step you won't get in, even with the card.
| The Edit (Luxury Hotel & Resort Collection) | $100 property credit, daily breakfast for 2, room upgrade if available Verified by source |
|---|---|
| IHG One Rewards Platinum Elite | Complimentary through Dec 31, 2027 (activation required) Verified by source |
| World of Hyatt Explorist | Unlocked at $75k annual spend Verified by source |
| IHG One Rewards Diamond Elite | Unlocked at $75k annual spend Verified by source |
| Rental car CDW | Up to $75,000 (primary) Verified by source |
|---|---|
| Trip cancellation | Up to $10,000/person, $20,000/trip Verified by source |
| Trip delay | Up to $500/traveler Verified by source |
| Baggage | Baggage delay $100/day up to 5 days; lost luggage $3,000/traveler Verified by source |
| Emergency evacuation & transportation | Up to $100,000 Inferred by source |
| Roadside assistance | $50/incident, up to 4x/year (US & Canada) Inferred by source |
| Travel accident | Up to $1,000,000 accidental death and dismemberment while traveling Verified by source |
| Purchase protection | Up to $10,000/item against damage or theft for 120 days from purchase (90 days for NY residents) Verified by source |
| Extended warranty | Extends manufacturer's US warranty by 1 additional year on eligible warranties of 3 years or less (up to 4 years total from purchase date); up to $10,000/item, $50,000 max per account Verified by source |
| Return protection | Up to $500/item within 90 days of purchase if store won't accept return; $1,000 max per 12-month period Verified by source |
*Realized/net assume full use of non-spend-gated credits — an upper bound. †First-year net adds the one-time sign-up bonus (counts once, not recurring). Personalize it
The Chase Sapphire Reserve has a $795 annual fee.
Using its non-spend-gated credits fully, the Chase Sapphire Reserve returns about $2,348 in value against its $795 annual fee — a net of +$1,553 per year. It can pay for itself if you actually use the credits.
The Chase Sapphire Reserve earns 8x on chase travel (flights, hotels, rentals), 4x on flights booked direct, 4x on hotels booked direct.
Yes. The Chase Sapphire Reserve grants access to Sapphire, Priority Pass.
No — the Chase Sapphire Reserve has no foreign transaction fee, so it's a good card to use abroad.
125,000 points after $6,000 spend in 3 months (offer rotates frequently). Welcome offers change frequently — confirm the current one on the issuer's page before applying.