Going has partnered with CardRatings for our coverage of credit card products. Going and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses, and recommendations are the author's alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of all of the card offers that appear on this page are from advertisers; compensation may affect how and where the cards appear on the site; and Going does not include all card companies are all available card offers.
Table of Contents
Who is the Chase Sapphire Reserve® card for?
The Chase Sapphire Reserve® is a great option for those who want the perks that come with a luxury travel rewards card.
Quick Facts about the Chase Sapphire Reserve® card
card_name
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
Earning rate:
- Earn 8x points on all purchases through Chase Travel(SM), including The Edit(SM)
- Earn 4x points on flights and hotels booked direct
- Earn 3x points on dining worldwide
- 1x points on all other purchases
Welcome offer: bonus_miles_full
Pros and cons
Pros:
- Card gets you complimentary access to Chase Sapphire Lounge(R) by The Club network and Priority Pass Select™ airport lounges (enrollment required)
- Generous, very flexible annual $300 travel credit
- Highly valuable points currency with great range of airline and hotel transfer partners
Cons:
- It can be hard to keep track of all the statement credits this card offers
- High annual fee may be hard for occasional travelers to justify
Our take
The annual fee may be eye-popping, but if you travel regularly, you can easily maximize its value.
Chase Sapphire Reserve® review
Earning points with the Chase Sapphire Reserve® card
Redeeming points with the Chase Sapphire Reserve® card
Although you'll see plenty of marketing material about the value of your points in the Chase Travel portal, the way to maximize the value of your points is by transferring them to airline partners.
Airline transfer partners with Chase Sapphire Reserve
You can transfer Chase points to these airlines.
- Aer Lingus AerClub
- Air Canada Aeroplan
- Air France / KLM Flying Blue
- British Airways Executive Club
- Emirates Skywards
- Iberia Plus
- JetBlue TrueBlue
- Singapore Airlines KrisFlyer
- Southwest Airlines Rapid Rewards
- United MileagePlus
- Virgin Atlantic Flying Club
All points transfer at a one-to-one (1:1) ratio, which means that once transferred, one Chase point is equivalent to one mile or point with all of these loyalty programs.
Anecdotally, transfers to all these partners are relatively instantaneous, with one exception: transfers to Singapore Airlines KrisFlyer usually take 24 hours to process.
Hotel transfer partners with the Chase Sapphire Reserve® card
The following are Chase’s current hotel partners.
- IHG One Rewards
- Marriott Bonvoy
- World of Hyatt
All points transfer at a 1:1 ratio to these programs.
On the whole, transferring points to hotels rarely maximizes the value of your points, except for transfers to World of Hyatt.
Welcome offer on the Chase Sapphire Reserve® card
This can get you a lot in free travel! Here are some ideas of what to do with them (based on past Going with Points deals):
- One roundtrip, business class ticket to Amsterdam or Paris on KLM or Flying Blue. (Or, two roundtrip economy tickets for the same price!)
- Four roundtrip, economy tickets to the Bahamas on JetBlue or United (family trip, anyone?)
- Two or three roundtrip, economy tickets to Hawai’i on United (honeymoon idea?)
- One roundtrip, economy ticket to Beijing on Air France
- Three nights stay at a Hyatt all-inclusive resort in Cabo San Lucas, Mexico
Additional card benefits of the Chase Sapphire Reserve® card
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
- $500 annual credit for The Edit– a Chase Travel℠ collection of over 1,100 hand-picked hotels and resorts (split into two $250 biannual credits)
- $300 annual dining credit and primetime reservations at Sapphire Reserve Exclusive Tables (split into two $150 biannual credits)
- Points Boost redemption program, which lets users redeem points for 2X for select flights and hotel stays
- Complimentary IHG One Rewards Platinum Elite Status
- Application credit up to $120 for Global Entry, TSA Precheck® or Nexus credit every four years
- Airport lounge access: Access to the Chase Sapphire Lounge by The Club network of airport lounges
- Airport lounge access:Priority Pass Select℠ airport lounge membership
- Complimentary access to Reserve Travel Designers for help with travel planning
- $250 in credits annually for subscriptions to Apple TV+ and Apple Music
- $300 annual StubHub credit (split into two $150 biannual credits; activation required)
- $120 in annual Lyft in-app credits, up to $10 monthly, plus 5x total points on eligible Lyft rides
- $300 annually in monthly DoorDash promos and complimentary DashPass membership
- Up to $120 in annual statement credits toward Peloton memberships
- Comprehensive travel insurance benefits, including:
- Auto rental collision damage waiver: Primary coverage when you charge the entire cost of your rental car to your card.
- Trip cancellation and trip interruption insurance: If your trip is canceled or cut short from illness, severe weather or other covered situations, you can be reimbursed up to $10,000 per person.
- Trip delay reimbursement: Up to $500 per ticket, when you trip is delayed more than 6 hours or requires an overnight stay.
- Lost luggage reimbursement: If your luggage is lost or damaged, you're covered up to $3,000 per passenger.
- Baggage delay insurance: Reimbursed for essential purchases (e.g. toiletries and clothing) up to $100 a day for up to 5 days when your luggage is delayed more than 6 hours.
- No foreign transaction fees.
Alternatives to the Chase Sapphire Reserve® card
How the cards compare |
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card_name |
| Annual fee |
annual_fees |
| Foreign transaction fees |
foreign_transaction_fee |
| Earning rate |
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| Welcome offer |
bonus_miles_full |
| Our take |
A cheaper option to carry in your wallet, but it is lighter on the perks and credits. |
| Card benefits |
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Going has partnered with CardRatings for our coverage of credit card products. Going and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses, and recommendations are the author's alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of all of the card offers that appear on this page are from advertisers; compensation may affect how and where the cards appear on the site; and Going does not include all card companies are all available card offers.
Published September 6, 2023
Last updated June 23, 2025
