Elevate your travel and lifestyle experiences with the Chase Sapphire Reserve® credit card. Designed for frequent travelers and discerning spenders, this premium card offers unparalleled rewards, exclusive benefits, and comprehensive protections. Earn 8x points on travel purchases through Chase Travel, 4x points on direct bookings with airlines and hotels, and enjoy a host of luxury perks including access to exclusive airport lounges, complimentary hotel credits, and personalized travel planning services. Whether you’re booking your next adventure or enjoying everyday dining, the Chase Sapphire Reserve® ensures you do so with style and value.
Eligibility rules to know
- Intro bonus rules changed in 2025: you typically cannot receive the intro bonus for a specific Chase product if you have previously received that same product’s bonus.
- The Chase Sapphire Preferred and the Chase Sapphire Reserve are treated as different products for bonus eligibility—so they count separately for one-time bonuses.
- An active Sapphire rule exists: having another Sapphire card in-hand can affect eligibility for a new Sapphire card bonus. If needed, downgrading and waiting a few days before applying may be necessary.
- Anyone unsure about eligibility should run through an eligibility flow chart or calculator to be certain before applying.
Basic Requirements for the Chase Sapphire Reserve® Card
To qualify for the Chase Sapphire Reserve®, applicants generally need to meet the following criteria:
- Age: Must be at least 18 years old (or 21 in some states).
- Residency: Must be a U.S. citizen or permanent resident with a valid U.S. address.
- Credit Score: A good to excellent credit score (typically 720 or higher) is recommended.
- Income: Must demonstrate sufficient income to manage credit responsibly and meet payment obligations.
- Existing Chase Accounts: Applicants should not currently have another Sapphire card and must not have received a Sapphire bonus within the past 48 months.
- Bank Account & Identification: A valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is required, along with a U.S. bank account for payments.
Meeting these requirements does not guarantee approval, as Chase will review your full credit and financial profile before making a final decision.
1) Credits
Credits are the lowest-effort way to claw back value. Key credits to evaluate:
- Up to $300 annual travel credit — applies to anything that codes as travel. For most travelers this is easy to use.
- Event credits (StubHub/Viagogo style) — semiannual credits for ticketing marketplaces can be valuable for people who attend live events.
- Dining credits — city-limited and semiannual rather than monthly. High value for people who actually eat at participating restaurants; otherwise worth discounting or ignoring.
- Apple TV Plus, Lyft, DoorDash, and other small monthly credits — many of these are useful only if they match existing habits. Apple TV Plus may be non-zero for some; Lyft credits and DoorDash benefits require regular use to matter.
Recommendation: Be brutally honest when estimating credit value. If credits produce a net positive, the rest of the card’s perks are mostly gravy. If credits do not cover much of the fee, the cardholder must rely on other quarters to make up the difference.
Key Benefits of the Chase Sapphire Reserve® Card
- Generous Rewards Program: Earn 10x points on hotels and car rentals, 5x on flights booked through Chase Travel℠, and 3x on dining and other travel purchases.
- $300 Annual Travel Credit: Automatically receive up to $300 in statement credits each year for travel-related purchases.
- Airport Lounge Access: Enjoy unlimited access to Priority Pass™ Select airport lounges worldwide.
- Luxury Hotel & Resort Perks: Get complimentary upgrades, early check-in, late check-out, and special amenities through the Luxury Hotel & Resort Collection℠.
- Global Entry / TSA PreCheck / NEXUS Credit: Receive a statement credit of up to $100 every four years for application fees.
- Comprehensive Travel Protection: Includes trip cancellation/interruption insurance, lost luggage reimbursement, and primary rental car coverage.
- Points Flexibility: Redeem points for travel, cash back, or gift cards — and get 50% more value when redeeming through Chase Travel℠.
With its combination of premium rewards, travel credits, and exclusive privileges, the Chase Sapphire Reserve® is ideal for travelers who want to make the most out of every journey.
Pros and cons
Pros
- Large year-one value if the intro bonus and credits are used.
- Strong travel portal multipliers (8x Chase Travel, 4x flights) for the right spender.
- High-quality lounge network and useful Priority Pass access internationally.
- Meaningful travel protections and primary rental car coverage.
Cons
- High $795 annual fee that requires consistent use of multiple benefits.
- Credits and perks are only valuable when they match actual behavior; many users will overestimate value.
- Some perks duplicate benefits available on cheaper cards.
- Eligibility and bonus rules are complex and can block repeat bonuses.
Ready to Apply for the Chase Sapphire Reserve®?
Now that you know the main benefits and features of the Chase Sapphire Reserve®, you might be wondering how to get yours. The application process is simple, but understanding each step can help you apply with confidence and improve your chances of approval.
Click the button below to access our complete step-by-step guide and learn exactly how to apply for your Chase Sapphire Reserve® card today!
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