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Sapphire Reserve
ChaseCredit Card

Sapphire Reserve

Best for premium airport perks

$2Kbonus$795/yrannual fee1.0x points per $1; value varies by redemption
Sign-up bonus
$2K
See issuer terms
Annual fee
$795
Offset by $2K bonus
Purchase APR
See terms
Variable — see issuer terms
How you earn
Other purchases
1.0x points

Points and miles redemption value varies. Bonus categories shown; caps may apply. Verify earning rates and options with the issuer before applying.

SwitchWize take

A premium travel card for frequent travelers who can use the travel credits, lounge access, and higher-value Chase travel perks. The high annual fee only makes sense if you use the benefits consistently.

Pros & cons
What we like
  • ✓Generous annual travel credit
  • ✓Airport lounge access via Priority Pass and Chase Sapphire Lounges
  • ✓Transferable Chase Ultimate Rewards points
  • ✓Top-tier trip cancellation and delay insurance
Worth noting
  • ✗Very high annual fee
  • ✗Credits require active tracking and use
  • ✗Poor fit for infrequent travelers
Perks & credits
$2,280 face value·$1,793 effective
Annual travel credit
Automatic statement credit on travel purchases.
easy
$300
The Edit hotel credit
Up to $250 per prepaid booking, $500 annually; two-night minimum stay required.
moderate
$500
$375 eff.
Sapphire Exclusive Tables dining credit
Up to $150 per half-year at select restaurants.
moderate
$300
$225 eff.
Priority Pass and Sapphire Lounge access
Chase Sapphire Lounge by The Club and Priority Pass Select.
moderate
$850
$638 eff.
DoorDash credits and DashPass
Up to $25/month through 12/31/2027.
moderate
$300
$225 eff.
Global Entry/TSA PreCheck credit
Up to $120 every 4 years; annualized value.
easy
$30

Effective value discounts hard-to-use credits (easy 100% · moderate 75% · hard 50%)

Key terms
Updated Jun 21, 2026
Purchase APR19.49%–27.99% variable
Annual fee$795

Always verify current terms at the issuer before applying. See full offer details →

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Sapphire Reserve
Chase

Sapphire Reserve

$2K
sign-up bonus
$795
annual fee
$1,505
est. first-year value
-$495
ongoing value / yr

Based on $2,500/mo spend

Apply now

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SwitchWize may earn a referral fee when you click through to a partner. Content is for informational purposes only and does not constitute financial advice. Verify current rates, fees, and eligibility directly with the card issuer before applying.

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