Chase Sapphire Reserve review

Chase Sapphire Reserve is built for people who travel often enough to use a long list of credits. The $795 annual fee buys a $300 travel credit that Chase applies to travel purchases in general, up to $500 a year for prepaid stays with The Edit, a $300 dining credit through OpenTable's Sapphire Reserve Exclusive Tables, $300 in StubHub credits and Apple TV and Apple Music subscriptions. Lounge access covers Chase Sapphire Lounges by The Club and more than 1,300 Priority Pass lounges, each with up to two guests. Earning tops out at 8x on Chase Travel, with 4x on flights and hotels booked direct and 3x on dining. Points move to the same 14 airline and hotel programs as the Preferred card. The downside is effort: several credits are paid in halves from January to June and July to December, some need activation, and authorized users cost $195 each. If you will not use most of the credits, the Preferred card delivers the same transfer partners for $95.

Who it is for

Frequent travelers who will use the credits

Price

$795 annual fee; $195 for each authorized user.

$795 annual fee † ; $195 for each authorized user
Quoted from the vendor pricing page on November 12, 2026.

Key features

• 8x points on Chase Travel purchases, including The Edit
• 4x points on flights and hotels booked direct, 3x on dining worldwide
• $300 annual travel credit on any travel purchase
• Chase Sapphire Lounges by The Club and 1,300+ Priority Pass lounges with up to two guests
• Up to $500 a year in credits for prepaid stays with The Edit

Strengths and weaknesses

• Strength: The $300 travel credit applies to a broad range of travel purchases
• Strength: Complimentary IHG One Rewards Platinum Elite status through December 31, 2027
• Strength: Same 14 transfer partners as Sapphire Preferred
• Weakness: $795 annual fee plus $195 per authorized user
• Weakness: Many credits are split semiannually or need activation
• Weakness: Everyday purchases outside travel and dining earn 1x

Key facts

• Annual fee: $795
• Welcome bonus: 100,000 points after $6,000 in 3 months
• Travel credit: $300 per account anniversary year
• Lounges: Sapphire Lounges plus 1,300+ Priority Pass

Where it ranks

Chase Sapphire Reserve is No. 7 in our Best Travel Credit Cards verdict.