Applying for a premium credit card like the Chase Sapphire Reserve® can be an exciting step toward unlocking exclusive travel rewards and luxury benefits. With the right guidance, the process is simple and straightforward.
Whether you’re looking to earn more points on travel and dining or enjoy access to airport lounges and annual travel credits, this guide will walk you through each stage of the application — from checking your eligibility to receiving your new card.
Follow the steps below to learn exactly how to apply for your Chase Sapphire Reserve® and make the most of everything it has to offe
Who should get the Chase Sapphire Reserve
- Frequent travelers who can use lounge access, travel credits, and transfer points to partners.
- Professionals who travel regularly for work and will use lounges, credits, and travel protections.
- People who value simplicity and are willing to use the Reserve as a central Ultimate Rewards earning vehicle (and appreciate Pay Yourself Back/points boost options).
Who should avoid it
- Infrequent travelers who will not use credits, lounges, or premium travel protections.
- Cardholders who already have overlapping premium benefits on other cards and therefore receive little incremental value.
- Anyone who does not plan to redeem points through transfer partners or use the high-value portal multipliers.
How the Chase Sapphire Reserve® Works
The Chase Sapphire Reserve® is a premium rewards credit card designed for travelers and everyday spenders who want to maximize their purchases. Here’s how it works:
- Earn Points on Every Purchase
You earn Chase Ultimate Rewards® points for every dollar you spend — with higher rates for travel and dining. These points can be redeemed for flights, hotels, and other rewards. - Redeem Points for Maximum Value
When you redeem through Chase Travel℠, your points are worth 50% more. For example, 60,000 points can be redeemed for $900 toward travel purchases. - Enjoy Travel Perks and Credits
Each year, you automatically receive a $300 travel credit, plus Priority Pass™ lounge access and credits for Global Entry, TSA PreCheck, or NEXUS applications. - Access Premium Protections
The card includes valuable protections such as trip cancellation insurance, primary rental car coverage, and purchase protection for eligible items. - Manage Your Account Easily
You can track your spending, redeem rewards, and access exclusive offers through the Chase Mobile® app or online dashboard.
In short, the Chase Sapphire Reserve® turns your everyday spending into premium travel rewards and luxury experiences.
Step-by-Step Guide: How to Apply for the Chase Sapphire Reserve®
- Check Eligibility
Before applying, make sure you meet the basic requirements — including a good to excellent credit score (usually 720 or higher), U.S. residency, and stable income. You should also not currently hold another Sapphire card or have received a Sapphire welcome bonus within the past 48 months. - Visit the Official Chase Website
Go to the Chase Sapphire Reserve® page on the Chase website. Review all details about the card’s benefits, annual fee, and terms before applying. - Start Your Application
Click on the “Apply Now” button. You’ll be asked to fill in personal information such as your full name, address, Social Security Number (SSN), date of birth, and employment details. - Provide Financial Information
Enter details about your income, housing costs, and any existing debts. This helps Chase determine your creditworthiness and set your credit limit. - Submit Your Application
Review all the information carefully to ensure accuracy, then submit your application. Chase will perform a hard credit check, which may temporarily affect your credit score. - Wait for a Decision
In most cases, Chase provides an instant decision online. However, if more information is needed, your application may be reviewed manually, and you’ll be notified by email or mail. - Receive Your Card
If approved, you’ll receive your Chase Sapphire Reserve® card in the mail within 7–10 business days. Once you activate it, you can start earning rewards immediately. - Set Up Your Account
Log in to your Chase Online or Chase Mobile® account to manage your card, redeem rewards, set up automatic payments, and explore exclusive offers and perks.
Ready to Apply?
The Chase Sapphire Reserve® offers an unmatched combination of travel rewards, premium benefits, and exclusive experiences. If you’re looking for a card that turns your spending into memorable adventures and luxury perks, this is your moment.
Click the button below to visit the official Chase website and start your application today — your next level of travel rewards is just a few steps away!
You will be redirected to the bank’s website.