30
Benefits7
Reward Categories10x
Max Reward22.5%
APR FromBasic Information
PENDINGRewards Program (Detailed) 7 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Hotels & Car Rentals | 10x | Points | On hotels and car rentals purchased through Chase Travel℠ (after the first $300 travel credit is used). | No Cap | |
| Lyft | 10x | Points | On Lyft rides (through March 31, 2025). | No Cap | |
| Peloton | 10x | Points | On Peloton equipment and accessory purchases over $150 (up to $5,000 in purchases, through March 31, 2025). | $5,000 | |
| Flights | 5x | Points | On flights purchased through Chase Travel℠ (after the first $300 travel credit is used). | No Cap | |
| Travel | 3x | Points | On travel purchases worldwide, immediately after earning your $300 annual travel credit. | No Cap | |
| Dining | 3x | Points | On dining purchases worldwide. | No Cap | |
| All Other Purchases | 1x | Points | On all other eligible purchases. | No Cap |
Rewards Summary
PENDINGReward Type: Flexible Rewards
Base Rate: 1x
Bonus Rate: 10x
Categories: 10x Hotels & Car Rentals via Chase Travel, 10x Chase Dining via Ultimate Rewards, 5x Flights via Chase Travel, 3x General Travel, 3x Dining
Quarterly Rotating: No
Expiration Policy: Points do not expire as long as your account is open and in good standing.
Point Value: 0.02¢
Travel Portal Multiplier: 1.5x
Transfer Partners: United Airlines, Southwest Airlines, British Airways Executive Club, Air France-KLM Flying Blue, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club, Iberia Plus, Aer Lingus AerClub, JetBlue TrueBlue, World of Hyatt, Marriott Bonvoy, IHG One Rewards
Redemption Penalties: Points redeemed for cash back or gift cards are valued at 1 cent per point, which is lower than travel portal redemption or transfers.
Benefits & Protections (Detailed) 30 Total
PENDINGAirport Access 1
Priority Pass Select Membership
Complimentary membershipComplimentary airport lounge access with Priority Pass Select membership, providing access to over 1,300 airport lounges worldwide for you and up to two guests.
Lifestyle 7
Annual Travel Credit
Up to $300 annuallyAutomatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year.
DoorDash DashPass Subscription
Complimentary membershipComplimentary DashPass membership for a minimum of one year when activated by December 31, 2024. Enjoy $0 delivery fees and reduced service fees on eligible orders.
DoorDash Credits
$5 per monthReceive $5 in DoorDash credits each month. Credits expire at the end of each month.
Lyft Pink All Access Membership
Complimentary membership for 2 yearsComplimentary Lyft Pink All Access membership for two years when activated by December 31, 2024. Includes benefits like 15% off car rides, priority airport pickups, and more.
Instacart+ Membership
Complimentary membership for 1 yearComplimentary Instacart+ membership for one year when activated by July 31, 2024. Includes $0 delivery fees on orders over $35, reduced service fees, and 5% back on eligible pickup orders.
Instacart Credits
Up to $15 per monthReceive up to $15 in statement credits each month on Instacart purchases.
Concierge Service
24/7 serviceAccess to a dedicated concierge service 24/7 to assist with dining reservations, event tickets, travel planning, and more.
Purchase Protection 3
Purchase Protection
Up to $10,000 per claim, up to $50,000 per yearCovers new purchases against damage or theft for 120 days from the purchase date.
Extended Warranty Protection
Up to $10,000 per claim, up to $50,000 per yearExtends the time period of the original manufacturer's warranty by an additional year on eligible warranties of three years or less.
Return Protection
Up to $500 per item, up to $1,000 per yearIf a store won't take back an eligible item within 90 days of purchase, Chase may reimburse you for the cost of the item.
Rewards Earning 6
3x points on travel
3 points per $1Earn 3 points per $1 spent on travel worldwide, immediately after earning your $300 annual travel credit.
3x points on dining
3 points per $1Earn 3 points per $1 spent on dining at restaurants worldwide.
10x points on hotels and car rentals through Chase Travel℠
10 points per $1Earn 10 points per $1 spent on hotels and car rentals purchased through Chase Travel℠.
10x points on Chase Dining purchases
10 points per $1Earn 10 points per $1 spent on Chase Dining purchases.
5x points on flights through Chase Travel℠
5 points per $1Earn 5 points per $1 spent on flights purchased through Chase Travel℠.
1x point on all other purchases
1 point per $1Earn 1 point per $1 spent on all other eligible purchases.
Rewards Redemption 1
50% more value for travel redemption
1.5 cents per pointGet 50% more value when you redeem points for travel through Chase Travel℠. For example, 60,000 points are worth $900 towards travel.
Travel Benefits 4
Global Entry or TSA PreCheck® Fee Credit
Up to $100 every 4 yearsReceive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry or TSA PreCheck®.
No Foreign Transaction Fees
0% foreign transaction feesPay no foreign transaction fees when making purchases outside of the United States.
Luxury Hotel & Resort Collection Benefits
Various benefitsEnjoy special benefits at over 1,000 properties worldwide, including daily breakfast for two, a special amenity (e.g., a $100 credit), complimentary Wi-Fi, and room upgrades when available.
Roadside Assistance
Up to $50 per service event (up to 4 events per year)Get help with services like a tow, jumpstart, tire change, or lockout service when you're on the road.
Travel Insurance 8
Trip Cancellation/Interruption Insurance
Up to $10,000 per person and $20,000 per tripIf your trip is canceled or interrupted for covered reasons like sickness or severe weather, you can be reimbursed for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Primary Car Rental Collision Damage Waiver (CDW)
Up to actual cash value of most rental vehiclesDecline the rental company's collision insurance and charge the entire rental cost to your card. You're covered for theft and collision damage up to the actual cash value of most rental vehicles in the U.S. and abroad. This coverage is primary, meaning you don't have to file a claim with your own insurance company first.
Trip Delay Reimbursement
Up to $500 per ticketIf your common carrier travel is delayed for more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging.
Baggage Delay Insurance
Up to $100 per day for up to 5 daysIf your checked baggage is delayed by more than 6 hours by the common carrier, you're reimbursed for essential purchases like toiletries and clothing.
Lost Luggage Reimbursement
Up to $3,000 per passengerIf you or your immediate family members' checked or carry-on baggage is lost or damaged by the common carrier, you're covered.
Emergency Medical and Dental Benefit
Up to $2,500If you or an immediate family member get sick or injured on a trip far from home, you can be reimbursed for eligible emergency medical and dental expenses.
Emergency Evacuation and Transportation
Up to $100,000If you or an immediate family member need emergency medical evacuation while traveling, you can be covered for medical services and transportation.
Travel Accident Insurance
Up to $1,000,000Accidental death and dismemberment coverage when traveling on a common carrier.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $100
TSA PreCheck Credit: $100
Sign-Up Bonus
PENDING60,000
Points/MilesRequirement: Spend $4,000 in 90 days
Timing: Please allow 6 to 8 weeks after you meet the spending requirement for bonus points to post to your account.
Fee Structure
PENDING| Annual Fee: | $550.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $250.00 |
| Authorized User Fee: | $75.00 |
| Min Interest Charge: | $0.50 |
Additional Fees
PENDING| 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 transaction, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 22.49% - 29.49%
Balance Transfer APR: 22.49%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Chase Sapphire Reserve in 2026 is expected to adhere to several key Chase application rules: 1. **Chase 5/24 Rule**: Applicants will likely be denied if they have opened 5 or more personal credit cards from any issuer (including Chase) in the past 24 months. 2. **Sapphire Family Bonus Rule**: Applicants are generally not eligible for the sign-up bonus if they currently hold any Chase Sapphire branded credit card (e.g., Sapphire Reserve or Sapphire Preferred) or have received a new cardmember bonus for any Sapphire card in the last 48 months. 3. **One Sapphire Card Rule**: An individual can typically only hold one Chase Sapphire branded credit card (either Reserve or Preferred, but not both) at any given time. 4. **Creditworthiness**: Applicants must demonstrate excellent credit history, a high credit score (typically 740+ FICO), sufficient income to support the credit limit, and a low debt-to-income ratio.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: The Chase Sapphire family of cards has specific 'cliff effect' rules. An applicant can only hold one Chase Sapphire branded credit card (either the Sapphire Reserve or the Sapphire Preferred) at any given time. Furthermore, eligibility for the new cardmember bonus for any Sapphire card is restricted to those who have not received a bonus for a Sapphire card in the preceding 48 months. This means upgrading or downgrading between Sapphire cards resets the clock for holding a Sapphire card, but not for bonus eligibility.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.4 / 5.0
Top Positive:
Excellent travel benefits including lounge access and a generous annual travel credit, high value for Chase Ultimate Rewards points with flexible redemption options and strong transfer partners, a substantial sign-up bonus, and strong earning rates on travel and dining.
Top Negative:
High annual fee, strict approval requirements including the 5/24 rule, not suitable for infrequent travelers or those who don't maximize benefits, and some users desire more transfer partner options.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Amex Platinum Card
- Capital One Venture X Rewards Credit Card
- Citi Strata Premier Card
Card Value Score: 92.0 / 100
Est. Annual Rewards: $1,760.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0