Chase

Chase Sapphire Reserve Review

Frequent travelers who will fully use premium travel credits and lounge access

Updated for 2026

Overview

The Chase Sapphire Reserve is a premium travel card with a high annual fee offset by travel credits, lounge access, and top-tier point earning on travel and dining. It makes sense mainly for travelers who will use its credits and perks in full.

Annual fee	$795 ($195 per authorized user)
Regular APR	19.49%–27.99% variable
Welcome bonus	100,000 bonus points after spending $6,000 on purchases in the first 3 months
Rewards	8x points on Chase Travel, 4x on flights and hotels booked direct, 3x on dining worldwide, and 1x on all other purchases
Recommended credit	Excellent

Pros & cons

Pros

Highest earn rate at 8x on Chase Travel, plus premium travel credits and lounge access
Points get elevated redemption value through Chase Travel and 1:1 partner transfers
No foreign transaction fees and strong travel and purchase protections

Cons

Very high $795 annual fee plus $195 per authorized user
Subject to Chase 5/24 and the 48-month Sapphire bonus restriction

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