Chase Sapphire Reserve® 2026 Review

Annual fee
$795
Rewards rate
8%-3%
Welcome Bonus
125,000 points
Apply Now →on Chase's website
Regular APR:19.49%-27.99% Variable APR

  • 8%Points on Chase Travel
  • 4%Points on direct travel
  • 3%Points on dining

Welcome Bonus:

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months.

Reward Rate:

Earn 8x points on Chase Travel, 4x on direct travel, and 3x on dining.

APR:

19.49%-27.99% Variable APR

The Chase Sapphire Reserve® shines for its premium travel rewards, offering an impressive 8x points on Chase Travel and a wealth of travel protections that make it a top-tier choice for frequent travelers. Its substantial welcome bonus and ongoing benefits provide exceptional value for those who can leverage them.

Pros:

  • High rewards on travel
  • Comprehensive travel insurance

Cons:

  • High annual fee
  • Requires excellent credit
Apply now →

The Chase Sapphire Reserve® is well-suited for frequent travelers who can take full advantage of its robust rewards structure and extensive travel protections, justifying the high annual fee. However, those who do not travel often may find it less beneficial compared to other credit card options.

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