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Chase · Credit cards

Chase Sapphire Reserve

Premier travel card with $300 annual travel statement credit, Priority Pass lounge access, and 3X points on travel and dining.

Annual fee

$550/yr

10 attributes tracked

Catalog as of September 1, 2026

Not financial advice. Annual fees, APRs, bonuses and credits change. Confirm current terms with the issuer before you apply.

Annual fee

$550

Rewards rate

10X hotels/cars & 5X flights via Chase Travel, 3X general travel & dining, 1X other

What it does well

  • $300 automatic annual travel statement credit offsets base annual fee
  • Complimentary Priority Pass Select lounge access and Sapphire Lounge entry
  • 50% bonus point value when redeeming points for travel through Chase Travel (1.5¢ each)

Where it gives ground

  • $550 annual fee plus $75 per authorized user
  • Requires Excellent credit (720+) to qualify

Compare it head to head

The fastest way to decide is against the product you are actually cross shopping. Showing 4 of 15 published matchups.

Credit cards8 differing specs

American Express Gold Card

$325/yr

Chase Sapphire Reserve

$550/yr

Evenly split on rankable specs, so price and taste decide it.

See the breakdown
Credit cards8 differing specs

The Platinum Card from American Express

$695/yr

Chase Sapphire Reserve

$550/yr

Chase leads on 2 of 3 rankable specs and charges less a year.

See the breakdown
Credit cards6 differing specs

Capital One Venture X Rewards

$395/yr

Chase Sapphire Reserve

$550/yr

Capital One leads on 2 of 2 rankable specs and charges less a year.

See the breakdown
Credit cards9 differing specs

Chase Freedom Unlimited

$0/yr

Chase Sapphire Reserve

$550/yr

Evenly split on rankable specs, so price and taste decide it.

See the breakdown

Full specifications

Fees & Rates

Annual fee
$550
Regular APR
21.49% – 28.49% Variable APR
Foreign transaction fee
None (0%)
Late fee
Up to $40

Rewards & Perks

Rewards rate
10X hotels/cars & 5X flights via Chase Travel, 3X general travel & dining, 1X other
Sign-up bonus
60,000 Ultimate Rewards points after $4,000 spend in first 3 months
Intro APR offer
0% intro APR for 0 months (Pay Over Time APR applies)
Lounge access
Yes (Priority Pass Select + Sapphire Lounge by The Club)

Card Details

Credit neededOur summary
Excellent (720–850)
Network
Visa Infinite
Card figures are from issuer materials and go stale. Credit-needed bands are our summary.Official Chase Sapphire Reserve terms (opens in a new tab)

Credit-card figures are from issuer materials and go stale. This is not an offer to lend, not financial advice, and not a recommendation to apply. Verify every fee, APR, bonus and credit on the issuer's site.

Other credit cards we track

American Express

The Platinum Card from American Express

$695/yr

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Capital One

Capital One Venture X Rewards

$395/yr

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American Express

American Express Gold Card

$325/yr

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Chase

Chase Sapphire Preferred Card

$95/yr

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Capital One

Capital One Venture Rewards Credit Card

$95/yr

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American Express

Blue Cash Preferred Card from American Express

$95/yr

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Frequently asked

How much does Chase Sapphire Reserve cost?

Chase Sapphire Reserve has an annual fee of $550/yr (catalog snapshot as of 2026-09-01). This is based on published issuer terms and is not a live financial offer.

What are Chase Sapphire Reserve’s key specs?

Key specifications for Chase Sapphire Reserve include annual fee ($550) and rewards rate (10X hotels/cars & 5X flights via Chase Travel, 3X general travel & dining, 1X other).

What does Chase Sapphire Reserve compare against?

Chase Sapphire Reserve is compared head to head against American Express Gold Card vs Chase Sapphire Reserve, The Platinum Card from American Express vs Chase Sapphire Reserve, Capital One Venture X Rewards vs Chase Sapphire Reserve, Chase Freedom Unlimited vs Chase Sapphire Reserve, Chase Sapphire Preferred Card vs Chase Sapphire Reserve, and Chase Sapphire Reserve vs Blue Cash Everyday Card from American Express.