ChaseVisaSnapshot ·partially checked against the issuer page on 2026-10-10 (annual fee, authorized user fee, welcome bonus, purchase APR, earn rates, foreign transaction fee, travel credit); other figures pending verification
Chase Sapphire Reserve®
Frequent flyers and travelers seeking top-tier airport lounge access, primary insurance, and high-value redemptions.
Official Financial Terms & Fees
| Annual Fee | $795 |
| Base Earning Rate | 1x point per dollar on everything else |
| Welcome Bonus Offer | Earn 100,000 bonus points after spending $6,000 on purchases in the first 3 months (per Chase's page on 2026-10-10; offers change). |
| Regular APR | 19.74% - 28.24% Variable |
| 0% Intro APR Window | Purchases: None Balance Transfers: None |
| Foreign Transaction Fee | None (0%) |
| Recommended Credit Score | Excellent (720-850) |
| Official Bank Disclosure | Official Chase Website ↗ |
✓ Reasons to Choose Chase Sapphire Reserve®
- ✓ $300 annual travel statement credit
- ✓ 8x points on Chase Travel (incl. The Edit), 4x on flights and hotels booked direct, 3x on dining worldwide
- ✓ Priority Pass™ Select airport lounge access + Chase Sapphire Lounges
- ✓ Up to $100 credit for Global Entry or TSA PreCheck® every 4 years
✕ Drawbacks to Keep in Mind
- ✕ Substantial $795 annual fee plus $195 per authorized user
- ✕ Requires high travel frequency to fully justify the net cost
Head-to-Head Showdowns Involving Chase Sapphire Reserve®
Chase Sapphire Preferred vs Reserve
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