Chase Sapphire Reserve credit card full review

The Chase Sapphire Reserve offers a generous welcome bonus, rewards for travel and dining, and a slew of other perks. Read our full review to find out why this is the perfect card for you!


by Aline Barbosa

Published on 03/14/2022

Chase Sapphire Reserve credit card: Get a $300 annual travel credit!

Chase blue logo
Chase Sapphire Reserve credit card review. Source: Chase Facebook.

If you’re a frequent traveler, the Chase Sapphire Reserve credit card is worth considering. This card comes with many benefits, including a $300 annual travel credit, airport lounge access, and 3x points on travel and dining.

Plus, it has a 50,000 point sign-up bonus after spending $4.000 in the first 90 days of account opening – that’s worth $750 in travel if redeemed through Chase Ultimate Rewards. 

The big drawback for new clients lies in its hefty annual fee. However, the many perks it provides and all the bonus categories can make it up for frequent users. In this review, we’ll explore the features of this product to help you decide if it’s the right card for you. Keep reading to find out!

Chase Sapphire Reserve credit cards

How do you get the Chase Sapphire Reserve card?

Apply today for the Chase Sapphire Reserve card and get a generous sign-up bonus!

Credit ScoreExcellent
Annual Fee$550
Regular APR16.99% – 23.99% (variable)
Welcome bonus50.000 bonus points after spending $4.000  on purchases in the first three months of account opening
Rewards$300 annual travel credit reimbursements;
10x points on hotels and car rentals purchased;
5x points on air travel;
3x points on other travel and dining;
1 point per $1 spent on all other purchases


How does Chase Sapphire Reserve credit card work?

The Chase Sapphire is an excellent credit card for anyone looking for a high-end product with flexible travel and dining-related rewards. The card has various benefits, including an impressive sign-up bonus of 50,000 points after you spend $4,000 in the first three months and a $300 travel credit each year.

Its Ultimate Rewards program is well known for being one of the most valuable points currencies, and they are super easy to redeem too! That is because Chase offers a broad range of airlines and hotel transfer partners to help you cover your expenses.

This card is widely accepted worldwide and charges no foreign transaction fees. Its $500 annual fee, however, may seem steep at first, but the ample perks it provides might make it worth your while. 

Chase Sapphire Reserve Credit card pros and cons

airplane wing
What are the pros and cons to this card? Source. Unsplash.

If you’re considering signing up for the Chase Sapphire Reserve credit card, you’ll want to know about all the pros and cons before making your decision. So, let’s look at some of the critical points before you send in your application. 



  • Exciting sign-up bonus.
  • No foreign transaction fees.
  • $300 annual credit reimbursement for travel purchases.
  • Chase Ultimate Rewards for travel partners.
  • Pay Yourself Back rewards program.
  • Double the points when redeeming them through Chase or the Pay Yourself Back program.


  • Require an excellent credit score.
  • $500 annual fee.
  • The 3x bonus points are available only after spending the $300 annual credit.

Does my credit score need to be good?

Like most Premium cards with travel-related benefits, you’ll need an excellent credit score to apply for the Chase Sapphire Reserve credit card. The recommended score is between 740 and 850.

Want to apply for a Chase Sapphire Reserve card?

Now that you know everything this card has to offer, how about applying for it? In the link below, we’ll outline an easy step-by-step guide so that you can get started on your journey to earning rewards points. Read on for everything you need to know about the application process.

Chase Sapphire Reserve credit cards

How do you get the Chase Sapphire Reserve card?

Apply today for the Chase Sapphire Reserve card and get a generous sign-up bonus!

About the author

Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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