Chase Sapphire Reserve
Basic Information
Program ID: chase-sapphire-reserve
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 12:02
Last Scraped: 01/15/2026 07:02
Fee Structure
| Annual Fee: | $550.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $250.00 |
| Authorized User Fee: | $75.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,224.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $60,000.00
Spending Requirement: $4,000.00
Time Period: 90 days
Bonus Timing: Typically within 6-8 weeks after meeting the spending requirement, but often posts with the statement closing after the requirement is met.
Rewards Program
Reward Type: Ultimate Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 10.00%
Bonus Categories: 10x Hotels & Car Rentals (Chase Travel), 10x Chase Dining, 5x Flights (Chase Travel), 3x General Travel (after $300 annual travel credit), 3x Dining
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: United Airlines, Southwest Airlines, British Airways, Virgin Atlantic, Air France-KLM Flying Blue, Singapore Airlines, Iberia Plus, Aer Lingus AerClub, JetBlue TrueBlue, Marriott Bonvoy, Hyatt, IHG One Rewards
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
Approval Criteria
Recommended FICO Range: 740 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: To be eligible for the Chase Sapphire Reserve, applicants must generally have excellent credit. Key application rules for 2026 are anticipated to include: 1. **Chase 5/24 Rule**: Applicants will be denied if they have opened 5 or more personal credit cards across *any* issuer in the past 24 months. 2. **Sapphire Family Rule**: Applicants are ineligible for the sign-up bonus if they currently hold any Sapphire-branded credit card (e.g., Sapphire Preferred, Sapphire Reserve) or have received a sign-up bonus for any Sapphire-branded card in the last 48 months. 3. **Creditworthiness**: Applicants must demonstrate excellent credit history, a strong credit score (typically 740+ FICO), and sufficient income to support the credit limit. 4. **Age & Residency**: Must be 18 years or older and a U.S. resident. 5. **Total Credit Exposure**: Chase considers an applicant's total credit limits across all existing Chase accounts relative to their income. High existing credit limits may lead to denial or require credit reallocation. The sign-up bonus typically requires meeting a specified minimum spend within the initial months of account opening.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment of bills with credit cards that could be paid by other means, or cycling large amounts of money through the card without genuine spend), sudden and unusual spending patterns inconsistent with historical behavior, frequent balance transfers or cash advances without prompt repayment, bouncing payments, opening too many accounts too quickly (even if under 5/24, aggressive application behavior can be flagged), abuse of return policies or chargebacks, linking to suspicious external accounts, or a high cumulative credit limit across all Chase accounts relative to income.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.4 / 5.0
Top Positive Feedback:
Excellent travel benefits including lounge access and a generous travel credit, high rewards on travel and dining, valuable sign-up bonus, flexible points transfer options, and premium travel protections.
Top Negative Feedback:
High annual fee can be a deterrent, especially if travel benefits aren't fully utilized; some find the effective annual fee still high, and it may not be the best fit for those who don't travel frequently.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- American Express Platinum Card
- Capital One Venture X Rewards Credit Card
- Chase Sapphire Preferred Card
Card Value Score: 90.0 / 100
Est. Annual Rewards: $650.00
User Portfolio Metrics
Avg Portfolio Size: 5 cards
Avg Portfolio Age: 80 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: 2024-01-01