Chase Sapphire Reserve Credit Card
The Chase Sapphire Reserve Credit Card has a $795 annual fee, $195 a year for each authorized user and no foreign transaction fee 2. It earns 8x points on Chase Travel purchases, 4x on flights and hotels booked direct, 3x on dining and 1x elsewhere, and Chase lists a $300 annual travel credit, Priority Pass Select and Chase Sapphire Lounge access, and primary rental car coverage up to $75,000 13.
Contents12 sections
At a glance
| Annual fee | $7952 |
|---|---|
| Foreign transaction fee | None2 |
| Rewards | Earns 8x points on Chase Travel purchases (including The Edit), 4x on flights and hotels booked direct, 3x on dining and 1x on everything else. |
| Rewards program | Chase Ultimate Rewards |
| Network | Visa Infinite |
| Authorized users | $195 Per authorized user, per year2 |
| Issuer | Chase · Official card page |
What to know about the Sapphire Reserve
Purchases covered by the $300 travel credit or The Edit credit earn no points, and bookings through FROSCH by Chase Travel or Valerie Wilson Travel by Chase Travel do not earn 8x 1. The travel credit applies automatically to travel-category purchases each account anniversary year, while The Edit credit pays up to $250 per prepaid Pay Now stay of 2 nights or more, to a total of $500 per calendar year 1. Points are worth 1 cent each for cash, gift cards and travel, Points Boost offers can make 100 points worth up to $2.00, and points do not expire while the account is open 41.
The dining credit for Sapphire Reserve Exclusive Tables restaurants on OpenTable and the StubHub and viagogo credit are each split into up to $150 from January to June and up to $150 from July to December; the StubHub credit needs activation and ends 12/31/2027 1. Lyft adds a $10 in-app credit each month through 9/30/2027, Peloton memberships a $10 monthly statement credit through 12/31/2027, and activated DashPass up to $35 in DoorDash promos a month through 12/31/2029 1.
Priority Pass admits the primary cardmember and each authorized user with up to two guests, and further guests cost $27 per visit; Air Canada lounges require a same-day Star Alliance boarding pass and exclude Montréal (YUL) 1. Chase's guide sets trip delay at 6 hours or an overnight stay, up to $500 per traveler per trip, and limits evacuation cover to trips of 5 to 60 days more than 100 miles from home 3. Roadside help is paid up to $50 per event, four times a year 3.
Earning rewards
| Rate | On |
|---|---|
| 8x points per $1 | Purchases made through Chase Travel, including The EditPurchases covered by the $300 travel credit or The Edit credit earn no points; bookings through FROSCH by Chase Travel, Valerie Wilson Travel by Chase Travel or Frosch International Travel LLC do not earn 8x1 |
| 4x points per $1 | Flights booked direct with the airline1 |
| 4x points per $1 | Hotels booked direct with the hotel1 |
| 3x points per $1 | Dining at restaurants, including takeout and eligible delivery services1 |
| 1x points per $1 | All other purchases1 |
| 5x points per $1 (total) | Lyft rides (promotional)Limited-time: through 9/30/20271 |
| 10x points per $1 (total) | Peloton equipment and accessory purchases over $150 (promotional)Limit: Up to $5,000 in total purchasesLimited-time: through 12/31/20271 |
Points are worth 1 cent each when redeemed for cash, gift cards or travel; Points Boost offers on select flights and hotels through Chase Travel can make 100 points worth up to $2.00. Points can be transferred to airline and hotel loyalty programs and don't expire while the account is open.41
Travel insurance and assistance
| Rental car coverage | Primary auto rental collision damage waiver up to $75,000 for theft and collision damage, worldwide; for New York residents coverage inside the U.S. is primary unless they have personal automobile insurance, in which case it is excess.13 |
|---|---|
| Trip cancellation and interruption | Up to $10,000 per covered traveler and $20,000 per trip ($40,000 per 12-month period per account) for pre-paid, non-refundable travel expenses.13 |
| Trip delay | Common carrier delays of more than 6 hours or requiring an overnight stay: up to $500 per covered traveler per trip for unreimbursed expenses such as meals and lodging.13 |
| Baggage delay | Up to $100 a day for up to 5 days for essential purchases when baggage is delayed more than 6 hours.13 |
| Lost or damaged luggage | Up to $3,000 per covered traveler per trip for checked or carry-on baggage lost, damaged or stolen (sub-limits $500 for jewelry and watches, $500 for cameras and electronics; New York residents limited to $2,000 per bag and $10,000 per trip).13 |
| Travel accident insurance | Accidental death or dismemberment coverage up to $1,000,000 (common carrier) and $100,000 (24-hour travel accident) per covered traveler.13 |
| Emergency evacuation and medical | Emergency evacuation and transportation up to $100,000 when sick or injured on a covered trip of 5 to 60 days, 100 miles or more from home.13 |
| Emergency evacuation and medical | Emergency medical and dental: up to $2,500 for medical expenses when sick or injured 100 miles or more from home on a trip, $50 deductible; plus $75 a day for up to 5 days for a hotel recovery stay after hospitalization.13 |
| Travel and emergency assistance | Travel and emergency assistance: legal and medical referrals and other services; costs of goods or services obtained are not covered.13 |
| Roadside assistance | Roadside assistance covered up to $50 per service event, up to four events a year (towing, battery assistance, tire change, locksmith, fuel).13 |
Purchase and phone protection
| Purchase protection | Covers eligible new purchases against damage or theft for 120 days (90 days for New York residents), up to $10,000 per item and $50,000 per calendar year.13 |
|---|---|
| Extended warranty | Extends eligible manufacturer's U.S. warranties of three years or less by one additional year, up to four years from purchase; up to $10,000 per item and $50,000 per account.13 |
| Return protection | Reimburses eligible items a store won't take back within 90 days of purchase, up to $500 per item and $1,000 per 12-month period.13 |
Travel perks
| Airport lounge access | Priority Pass Select membership (1,300+ lounges) for the primary cardmember and authorized users with up to two guests each ($27 per additional guest); access to Chase Sapphire Lounges by The Club with up to two complimentary guests; access to select Air Canada Maple Leaf Lounges and Air Canada Cafés with 1 guest each when departing on a Star Alliance flight.1 |
|---|---|
| Global Entry or TSA PreCheck credit | One statement credit of up to $120 every four years for the Global Entry, TSA PreCheck or NEXUS application fee charged to the card.1 |
| Hotel benefits program | The Edit by Chase Travel: when booking The Edit properties through Chase Travel, benefits include a $100 property credit, daily breakfast for two, complimentary Wi-Fi, a room upgrade and early check-in/late check-out (some subject to availability, vary by property).1 |
Account features
| Zero fraud liability | Zero Liability Protection: not held responsible for unauthorized charges made with the card or account information (does not apply to use by an authorized user without the primary cardmember's approval).1 |
|---|
Statement credits
| Annual travel credit | $300 each account anniversary year. Statement credits for purchases in the travel category; qualifying purchases do not earn points.1 |
|---|---|
| The Edit stay credit | $500 each calendar year (up to $250 per booking). Up to $250 per prepaid 'Pay Now' booking of 2 nights or more with The Edit by Chase Travel, max $500 per calendar year; qualifying purchases do not earn points.1 |
| Dining credit (Sapphire Reserve Exclusive Tables) | $300 up to $150 January–June and $150 July–December. For dining at restaurants in the Sapphire Reserve Exclusive Tables program on OpenTable.1 |
| StubHub credit | $300 up to $150 January–June and $150 July–December, through 12/31/2027. Purchases directly with StubHub and viagogo (excluding gift cards); one-time activation required.1 |
| Lyft ride credit | $10 monthly through 9/30/2027 (up to $120 in a 12-month period). In-app Lyft credit for rideshare rides booked in the Lyft app on eligible ride modes; unused credit forfeited monthly.1 |
| Peloton membership credit | $10 monthly, up to $120 per calendar year, through 12/31/2027. Statement credit for qualifying Peloton memberships; one-time activation required.1 |
| DoorDash promos | $35 monthly through 12/31/2029. With activated DashPass: a $15 promo on one qualifying DoorDash order and two $10 promos on non-restaurant orders each calendar month.1 |
Other perks
| Point transfers to airline and hotel loyalty programs | Transfer points to leading airline and hotel loyalty programs.1 |
|---|---|
| IHG One Rewards Platinum Elite status | Complimentary for the primary cardmember through December 31, 2027; activation by linking IHG account required.1 |
| Reserve Travel Designers | Custom itinerary planning service for primary cardmembers; no travel agency fees.1 |
| Complimentary Apple TV and Apple Music | At least 12 months each for the primary cardmember when activated by June 22, 2027.1 |
| Complimentary DashPass | Activate by 12/31/29.1 |
| $75,000 annual spend benefits | After $75,000 in purchases in a calendar year: World of Hyatt Explorist status, IHG One Rewards Diamond Elite status, $250 credit for The Shops at Chase, $500 Southwest Airlines Chase Travel credit and Southwest A-List status, for the rest of that year and the following calendar year.1 |
Not listed for this card
The Chase pages and benefit terms we checked for the Sapphire Reserve do not list this benefit:
Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.
Sources
- 1 Chase, Chase Sapphire Reserve Credit Card | Chase.com Checked Oct 10, 2026 · Back to text ↑
- 2 Chase, Chase Sapphire Reserve Pricing and Terms Checked Oct 10, 2026 · Back to text ↑
- 3 Chase, Chase Sapphire Reserve Visa Infinite Guide to Benefits (effective 06/11/26) Checked Oct 10, 2026 · Back to text ↑
- 4 Chase, Chase Sapphire Reserve with Ultimate Rewards Program Agreement Checked Oct 10, 2026 · Back to text ↑
Has a benefit or fee changed? Report an error