Chase Sapphire Reserve Review 2026
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Your card estimate
Net first-year value
First year
+$505
Base rewards + bonus - fee - interest drag
Ongoing year
-$495
Excludes one-time welcome offer
This card’s headline rate applies to bonus categories, not all spend. The figures above use a conservative $300 base; maxing the bonus categories could earn up to $1,200 in rewards.
SwitchWize take
Travel rewards card
Bonus value
$1,000
Rewards
4x miles
Annual fee
$795
APR
19.49%-29.99%
Pros & cons
- Strong rewards rate (4%)
- Sign-up bonus worth $1,000
- Annual fee: $795
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
Product card image shown
$795 annual fee
19.49%-29.99% variable
Spend requirement: $6,000 in 3 months
Chase terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The $795 annual fee needs to be offset by rewards, credits, or travel value.
Comparison set