The Chase Sapphire Reserve Visa Infinite card provides exceptional travel rewards and benefits. Get 3x the points on travel and dining, as well as an outstanding suite of travel perks that any savvy traveler would be envious of.

Annual Fee
$550
Extra Card Fee
$75
Card Type
Credit
Purchase
16.99%
Cash Advance
24.99%
Balance Transfer
16.99%
Extended Warranty 1 year
Purchase Protection 120 days
Return Protection Yes
Travel Accident $1,000,000
Trip Cancellation $20,000
Trip Interruption $20,000
Flight Delay $500
Lost or Stolen Baggage $3,000
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

If we find your match, we’ll give you up to $25 when you refer your friends.*

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Chase Sapphire Reserve Visa Infinite review

The Chase Sapphire Reserve Visa Infinite is a premium credit card that comes with some high-end perks and benefits, a solid insurance package, and a decent rewards earn rate.

Unfortunately, it also comes with an extremely high annual fee and higher than average interest rates. The question is: are the drawbacks outweighed by its benefits? Let's take a closer look, and see how this premium travel credit card stacks up against some similar competitors.

10 Chase Sapphire Reserve benefits

The Chase Sapphire Reserve Visa Infinite card has a lot going for it, in terms of travel perks and other benefits. Let’s take a look, and see how it stacks up to some alternative credit cards you may also want to consider.

1. 50,000 bonus point welcome bonus

First off, you’ll get 50,000 bonus Chase Ultimate Reward points after spending $4,000 on purchases in the first 3 months you have the card.

While this welcome bonus is worth $750 when redeemed for travel through Chase Ultimate Rewards, you’ll have to spend an average of over $1,330 per month for 3 months to earn that reward.

And while it's a solid welcome bonus, it isn't the best out there.

Chase Sapphire Reserve estimated welcome bonus value

2. $300 annual travel credit

On the anniversary of your account opening, you’ll automatically receive up to $300 in statement credits for travel purchases charged to your card every year. This is a nice bonus, and even nicer because it just happens automatically.

3. 3x rewards points on travel and dining

If you travel a lot or spend a lot of money dining out, the 3x bonus points you get for using your Chase Sapphire Reserve for those purchases can add up quickly.

How does the Chase Sapphire Reserve average earn rate compare?

Chase Sapphire Reserve average rate of return

4. 50% more value when redeeming for travel

And once you have those points, you can maximize their value by redeeming them for travel through Chase Ultimate Rewards. You’ll get 50% more value for your points by doing this, taking you even further on your travels.

5. Global Entry or TSA precheck fee credit

This isn’t a unique perk, to be sure, but it’s nice to have if you’re a frequent traveler who enjoys the convenience of Global Entry or TSA precheck. With the Chase Sapphire Reserve, you’re eligible for a rebate of up to $100 on this fee, once every 4 years.

6. Airport lounge access

You’ll have free access to over 1,000 VIP lounges worldwide through Priority Pass Select. You’ll have to enroll in the program, but it’s free and something you’ll only have to do once.

7. Luxury Hotel & Resort Collection

This is a special benefit available to select Chase cardholders. You’ll receive special benefits when booking at over 1,000 hotels and resorts, including:

  • daily breakfast for 2,
  • complimentary WiFi,
  • room upgrades, if available, and
  • early check-in and late check-out.

Reservations have to be made through an LHR Collection travel specialist, using your Chase card.

8. Lyft and DoorDash partner benefits

You’ll receive 10x points on Lyft rides through March 2022, 15% off every ride, and other Lyft benefits such as priority airport pickups, relaxed cancellations, and other ways to save.

Also included is a complimentary DoorDash "DashPass" subscription, with unlimited deliveries with a $0 fee, and reduced service fees on orders over $12. Additionally, you can earn up to $120 in DoorDash statement credits through Dec 31, 2021.

9. No foreign transaction fees

And, as with many premium travel credit cards, the Chase Sapphire Reserve Visa Infinite has a 0% foreign transaction fee, saving you the 3% fee many credit cards will charge.

10. 9 types of insurance coverage

Finally, the Chase Sapphire Reserve comes with 9 types of complimentary insurance coverage, including:

This is a solid insurance package that gives you added peace of mind when traveling or making purchases with your Chase credit card.

Here's how the Chase Sapphire Reserve insurance stacks up compared to some similar credit cards.

Chase Sapphire Reserve number of insurance coverages

4 Chase Sapphire Reserve drawbacks

So, does this credit card have any downsides? Unfortunately, it does.

1. High annual fee

The Chase Sapphire Reserve Visa Infinite has an exceptionally high annual fee of $550. This is the same fee as you'd pay for the , and is the highest fee of any credit card we currently track.

If you are able to take full advantage of all of this card's travel perks and benefits, it may be worth it to you, but for the majority of people, it's hard to justify paying that high of an annual fee.

Chase Sapphire Reserve annual fee

2. High annual fee for extra cards

And if you want any extra cards, you'll pay an additional $75 per year for each card you get. Many credit cards don't charge for supplemental cards, so this is a pretty significant expense for an already expensive card.

3. Higher than average interest rates

Most credit cards have interest rates for purchases ranging between 10% and 16%. The interest rates for this card are:

  • Purchase: 16.99%
  • Cash advance: 24.99%
  • Balance transfer: 16.99%

These aren't that much higher than the norm, but since you're already paying a high annual fee, this extra interest charge just makes this card even more expensive to keep in your wallet.

4. Boosted travel rewards earn rate only after qualified spending

And while you'll earn 3x points for every $1 spent on travel, this boosted rate only kicks in after you've made $300 in travel purchases annually. If you're a frequent traveler, you'll make this spend requirement really quickly, but it's still an odd requirement for such a premium travel credit card.

Chase Sapphire Reserve vs. Chase Sapphire Preferred

Excited about earning Chase Ultimate Rewards, but don’t want a high annual fee? Maybe the Chase Sapphire Preferred Visa Signature card is more suited to your tastes.

Credit card feature Chase Sapphire Reserve Visa Infinite Chase Sapphire Preferred Visa Signature
Annual fee $550 $95
Extra card fee $75 $0
Welcome bonus Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months Earn 80,000 bonus points after you spent $4,000 on purchases in the first 3 months
Rewards earn rate * 3 points for every $1 spent on travel (after you spent $300 on travel annually)
* 3 points for every $1 spent on dining
* 1 point for every other $1 spent
* 2 points for every $1 spent on travel and restaurants
* 1 point for every other $1 spent
Interest rates * Purchase: 16.99%
* Cash advance: 24.99%
* Balance transfer: 16.99%
* Purchase: 15.99%
* Cash advance: 24.99%
* Balance transfer: 15.99%
Insurance coverages 9 types 9 types
Foreign transaction fee 0% 0%
Special features * Unlimited airport lounge access
* Automatically receive up to $300 in travel statement credits on your account anniversary
* $100 rebate on Global Entry or TSA precheck every 4 years
* 50% more value for points when you redeem for travel through Chase Ultimate Rewards
* 1:1 value when you transfer your points to select airline and hotel loyalty programs
* Lyft and DoorDash partner benefits
* Special benefits at top hotels and resorts worldwide
* Complimentary concierge service
* 25% more value for points when you redeem for travel through Chase Ultimate Rewards
* 1:1 value when you transfer your points to select airline and hotel loyalty programs
* Lyft and DoorDash partner benefits
Interested? Apply now Apply now

Interested in the Preferred? Here's some more details:

Chase Ultimate Rewards: an overview

So, what are Chase Ultimate Rewards all about?

How to earn Chase Ultimate Rewards

The only way to earn Chase Ultimate Rewards is with selected Chase credit cards, including:

  • ,
  • ,
  • , and
  • , among others.

How to redeem Chase Ultimate Rewards

There are several options for redeeming your Chase Ultimate Rewards.

Transfer to travel partners, including:

  • British Airways,
  • Flying Blue,
  • JetBlue,
  • Emirates,
  • United,
  • Virgin Atlantic,
  • Hyatt,
  • Marriott, and more.

All transfer ratios are 1:1, and you must transfer in increments of 1,000 points.

Book travel through the Chase Ultimate Rewards Travel Portal. Here you can redeem points for flights, hotels, rental cars, and experiences.

Gift cards or cash back. While redeeming points for travel is the best way to maximize their value, you can also redeem them for gift cards or statement credits.

Do Chase Ultimate Reward points expire?

Your points will not expire as long as your account is open. There are a few circumstances in which you can lose your points, however, including:

  • program misuse,
  • fraudulent activities,
  • failure to pay, and
  • bankruptcy, among others.

Be sure to read the Chase Ultimate Rewards terms of service for all the details.

Alternatives to Chase Sapphire Reserve

Curious about some alternative credit cards that are similar but different than the Chase Sapphire Reserve? Here are the details for the other premium credit cards with high end travel perks and other benefits that we've included in comparison charts above.

Credit card feature The Platinum Card from American Express American Express Gold Card Bank of America Premium Rewards Credit Card The World of Hyatt Credit Card
Annual fee $550 $250 $95 $95
Extra card fee $175 $0 $0 $0
Welcome bonus Earn 60,000 bonus points when you spend $5,000 in the first 3 months (terms) * Earn 35,000 Membership Rewards points when you spend $4,000 in your first 3 months
* Get 20% back in statement credits on restaurant purchases in your first 3 months (up to $100 earned) (terms)
Earn 50,000 bonus points when you spend $3,000 in your first 3 months (terms) Earn up to a 50,000 Bonus Points – 25,000 when you spend $3,000 during your first 3 months, and 25,000 more when you spend $6,000 during your first 6 months (terms)
Rewards earn rate * Earn 5 points for every $1 spent on hotels and flights booked through amextravel.com
* Earn 5 points for every $1 spent on flights booked directly with airlines
* Earn 1 point for every other $1 spent
* Earn 4 points for every $1 spent at restaurants (no limit) and supermarkets (up to $25,000 spent)
* Earn 3 points for every $1 spent on flights booked directly with airlines or amextravel.com
* Earn 2 points for every $1 spent on travel and dining
* Earn 1.5 points for every other $1 spent
* Earn 4 points for every $1 spent at Hyatt Hotels
* Earn 2 points for every $1 spent on restaurants, airline tickets, transit, fitness clubs, and gym memberships
* Earn 1 point for every other $1 spent
Interest rates * Purchase: N/A
* Cash advance: 25.24%
* Balance transfer: N/A
* Purchase: N/A
* Cash advance: 25.24%
* Balance transfer: N/A
* Purchase: 15.99%
* Cash advance: 24.99%
* Balance transfer: 15.99%
* Purchase: 15.99%
* Cash advance: 24.99%
* Balance transfer: 15.99%
Insurance coverages 6 types 5 types 10 types 9 types
Foreign transaction fee 0% 0% 0% 0%
Special features * Unlimited American Express International lounge access
* Complimentary roadside assistance
* Global Entry or TSA precheck fee reimbursement every 4 years
* Automatic Hilton Honors Gold status
* And many others
* $100 in statement credits for travel incidentals for a selected airline
* Earn up to $10 in statement credits per month at participating restaurants
* Annual $100 statement credit for travel-related fees such as seat upgrades, checked baggage, in-flight services and lounge fees
* Up to $100 statement credit towards Global Entry or TSA precheck fees every 4 years
* Access to the Signature Visa Luxury Hotel Collection
* Free hotel night every card anniversary
* An additional free hotel night when you spent $15,000 per year on your card
Interested? Apply now Apply now Apply now Apply now

Bottom line

The Chase Sapphire Reserve is a premium travel rewards credit card with a premium annual fee. If you're a frequent traveler and can make full use of this credit card's perks and other benefits, it may be worth it to you. For most of us, however, the annual fee makes it hard to justify.

What do you think?

Do you have a Chase Sapphire Reserve Visa Infinite?

Is this card worth its sky-high annual fee?

Let us know in the comments.

Chase Sapphire Reserve: FAQ

Is the Chase Sapphire Reserve card worth it?

If you're a frequent traveler who can make full use of all of the Chase Sapphire Reserve's perks and benefits, then it may be worth its $550 annual fee. For most of us, however, the high fee is going to be very difficult to justify.

Do Chase Sapphire points expire?

Your Chase Ultimate Rewards points will not expire so long as your account is open. You can lose your points for a variety of reasons, however, including program misuse, fraudulent activities, failure to pay, and bankruptcy, among other things. Be sure to consult the Chase Ultimate Rewards terms of service for details.

How do I use Chase Sapphire points?

You can redeem Chase Ultimate Rewards points for travel, gift cards, and cash back, or you can transfer them 1:1 to a variety of travel partners. To maximize your value, you should redeem them for travel booked through the Chase Ultimate Rewards Travel Portal.

What are your thoughts?