Chase Sapphire Reserve Credit Card Review

Chase Sapphire Reserve Credit Card


The Chase Sapphire Reserve is one card that you should definitely hold and keep for the long-term. The Sapphire Reserve card does have a $450 annual fee, but there are a ton of benefits. There is a $300 travel credit that can be easily used on anything travel related such as hotels, airfare, rental cars, etc. That travel credit effectively reduces the annual fee to $150 each year.

The Sapphire Reserve’s other benefits justify the remainder of the annual fee. The 6-hour trip delay insurance allows you to spend $500 per person if you are delayed more than 6 hours, which can take a lot of the stress of flying during the winter or on a tight connection. You also get a lot of other travel benefits such as a Global Entry/TSA PreCheck fee credit, and primary rental car insurance, which covers any damage to your rental car (liability is not included). 

The Sapphire Reserve also comes with Priority Pass airport lounge access, which now includes many airport restaurants.  This can be a great benefit even if you fly only a few times per year. It is great to have access to a lounge after a long flight and take a shower or save money by eating for almost free at an airport restaurant (typically you get $28 per person, plus two guests, so you could get $84 in free food and drinks at most places)


Application Link

Annual Fee: $450

Earning Ultimate Rewards Points

  • 3x points on travel and dining
  • 1x points everywhere else.

Sapphire Reserve Benefits

  • $300 annual travel credit (automatic and easy to use, but only once per card year)
  • You can cash your Ulitmate Rewards points out at 1.5 cents for travel-related purchases, which is a bonus over the Sapphire Preferred (1.25 cents per point) and other Ultimate Rewards cards (1.0 cent per point)
  • Priority Pass (unlimited with 2 guests)
  • 6-hour travel delay insurance
  • Global Entry or TSA Pre-Check Credit
  • Primary car rental insurance
  • Lost luggage reimbursement
  • Medical evacuation insurance
  • Trip cancellation insurance
  • 120-day purchase protection
  • Extended warranty protection.
  • Luxury Hotel and Resort Collection- You can get free room upgrades, meals, early/late check-in, and extra amenities by booking via Chase’s Luxury Hotel & Resort Collection
  • Hotel Benefits at Relais & Chateaux- This hotel chain has 500 hotels worldwide and as a cardholder, you can get a room upgrade, VIP welcome, and free breakfast. 

Other Notes

Note 1: Chase now only allows a person to have either the Preferred or Reserve. 

Note 2: Authorized users get all of the benefits except the $300 annual travel credit and global entry reimbursement. 

Note 3: If you want to create a digital priority pass for the Chase Reserve, register your priority pass card online.

Note 4: You can get an extra 75,000 points when you have a Reserve card and get a home loan with Chase

Note 5: The following purchases generally qualify as dining: Bars, Cafes, Coffee shops, Fast food restaurants, Restaurant delivery services (e.g. Postmates or Seamless), Restaurants, and Vending machines. However, the following purchases do not generally qualify as dining: Amazon Restaurants, Bakeries, Grocery stores, and Meal kit subscriptions.


Comparison of All Ultimate Reward Cards

 Sapphire ReserveSapphire PreferredInk PreferredFreedom UnlimitedFreedomInk CashInk Unlimited
Sapphire ReserveSapphire PreferredInk PreferredFreedom UnlimitedFreedomInk CashInk Unlimited
Current Bonus50,00050,00080,00015,00015,00030,000$500
Annual Fee$450$95$95$0$0$0$0
Additional Card Holder Fee$75$0$0$0$0$0
Annual Travel Credit$300NoNoNoNoNoNo
Transfer PartnersYesYesYesNoNoNoNo
UR Value on travel1.5 cpp1.25 cpp1.25 cpp1 cpp1 cpp1 cppN/A (Cash back)
Lounge AccessPriority PassNoNoNoNoNoNo
Travel3x2x3x1.5x1x1x1.5% cashback
Dining3x2x1x1.5x1x2x1.5% cashback
Groceries1x1x1x1.5x1x1x1.5% cashback
Gas1x1x1x1.5x1x2x1.5% cashback
Office Supplies1x1x1x1.5x1x5x1.5% cashback
Shipping/Advertising1x1x3x1.5x1x1x1.5% cashback
Phone/Internet1x1x3x1.5x1x5x1.5% cashback
Other Spend1x1x1x1.5x1x1x1.5% cashback
Global EntryYes, every four yearsNoNoNoNoNoNo
Rental Car InsurancePrimary/$75,000PrimaryPrimary (for business purposes)Secondary (Primary outside the U.S)Secondary (Primary outside the U.S)Primary (for business purposes)Primary (for business purposes)
Foreign Transcation FeeNoneNoneNone3%3%3%3%
Trip Delay6 Hrs/$50012 Hrs/$50012 Hrs/$500NoneNoneNoneNone
Purchase Protection120 Days/$10,000120 Days/$500120 Days/$10,000120 Days/$500120 Days/$500120 Days/$10,000120 Days/$10,000
Cellphone ProtectionNoneNone$600 with $100 deductibleNoneNoneNoneNone
Extended Warranty1 Year1 Year1 Year1 Year1 Year1 Year1 Year
Return Protection90 Days/$500 up to $1,000 per yearNoneNoneNoneNoneNoneNone
Trip Cancel Insurance$10,000$10,000$5,000$1,500 per person up to $6,000$1,500 per person up to $6,000NoneNone
Trip Interruption Insurance$10,000$10,000$5,000$1,500 per person up to $6,000$1,500 per person up to $6,000NoneNone
Travel Accident Insurance$1,000,000$500,000$500,000NoneNone$500,000None
Baggage Delay6 Hrs/$100 up to 5 Days6 Hrs/$100 up to 5 Days6 Hrs/$100 up to 5 DaysNoneNone6 Hrs/$100 up to 3 Days6 Hrs/$100 up to 3 Days
Emergency Evac$100,000NoneNoneNoneNoneNoneNone
Roadside ServiceUp to $50 up 4 times per year$59.95 Per timeUsage FeeUsage FeeUsage FeeUsage FeeUsage Fee
Lost Luggage$3,000$3,000$3,000$3,000$3,000NoneNone
Quarterly BonusNoneNoneNoneNone5xNoneNone