Chase · Visa Infinite · Personal
Chase Sapphire Reserve
A $795-a-year card earning Ultimate Rewards: 10× on Special, 1× on everything else.
- Annual fee
- $795Charged every year
- Signup bonus
- 100,000 ≈ $1,850 in travel (our estimate)*
- Top rate
- 10×Special
- Point value
- 1.85¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 100,000 points · spend $6,000 on purchases in the first 3 months from account opening | $1,850 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$795 | −$795 |
| NetYear one includes the bonus · at your inputs · our estimates* | $1,055 | −$795 |
The bonus needs $6,000 on purchases in the first 3 months from account opening.
Earning structure
11 categories, 6 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Special Notes10x points on eligible Peloton hardware and accessory purchases | 10× | $18.50 | |
| Airfare (Portal) | 8× | $14.80 | |
| Car Rentals (Portal) | 8× | $14.80 | |
| Cruises (Portal) | 8× | $14.80 | |
| Hotels (Portal) | 8× | $14.80 | |
| Travel (Portal) | 8× | $14.80 | |
| Lyft Ends Sep 30, 2027 | 5× | $9.25 | |
| Airfare | 4× | $7.40 | |
| Hotels | 4× | $7.40 | |
| Dining | 3× | $5.55 | |
| All Other | 1× | $1.85 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $795
- Card type
- Personal
- Network
- Visa Infinite
- Bank
- Chase
- Point system
- Ultimate Rewards
- Travel value (our estimate)*
- 1.85¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- Yes
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules4
- Sapphire
You cannot receive a signup bonus if you've already received a bonus from the same version of the personal Sapphire cards. Starting January 22, 2026, you'll be able to earn one bonus per Sapphire card, as long as you've never earned a bonus on that card previously — whether or not you currently hold a Sapphire card in your wallet. So, if you currently hold the Chase Sapphire Preferred and earned the bonus on it, you can now add the Chase Sapphire Reserve and earn its bonus as well — as long as you haven't previously earned the bonus on the Sapphire Reserve.
- Chase 2/30
You'll be declined if you apply for a third Chase card of any kind within 30 days.
- Chase 4/6
Chase will decline your application if you apply for a 5th Chase card (personal or business) in 6 months.
- 5/24
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
Transfer partners12
- Aeroplan 1:1
- Avios 1:1
- Flying Blue 1:1
- Flying Club 1:1
- IHG Rewards 1:1
- KrisFlyer 1:1
- Marriott Bonvoy 1:1
- Rapid Rewards 1:1
- True Blue 1:1
- United MileagePlus 1:1
- World of Hyatt 1:1
- Wyndham Rewards 1:1
Ratio is Ultimate Rewards points to partner miles or points.
Benefits39 · 13 high value
- Airport Express Credits High valueGlobal Entry or TSA PreCheck® or NEXUS Fee Credit
- Car Rental Insurance High valuePrimary Auto Rental Collision Damage Waiver
- Credits & Discounts High value$250 IHG Credit + 12 more credits & discounts benefits
- Instant Perks & Status High valueAvis Preferred Plus Status + 3 more instant perks & status benefits
- Lounge Access High valuePriority Pass Select Membership + 1 more lounge access benefit
- Point Modifiers High value2x Points Boost on Travel Redemptions
- Earn Perks & Status $500 Southwest Airlines Credit + 4 more earn perks & status benefits
- Travel Protections Baggage Delay Insurance + 11 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Chase Sapphire Reserve |  Chase JP Morgan Reserve Card |  Chase Sapphire Preferred |  American Express Platinum | |
|---|---|---|---|---|
| Annual fee | $795 | $795Same | $95−$700 | $895+$100 |
| Signup bonus | 100,000 pts | None | 75,000 pts | 175,000 pts |
| Top rate | 10×Special | 10×Special | 5×7 categories | 5×Hotels (Portal), Airfare |
| Travel value * | 1.85¢Ultimate Rewards | 1.85¢Ultimate Rewards | 1.85¢Ultimate Rewards | 1.9¢Membership Rewards |
| Why it’s here | This card | Same issuer and the same Ultimate Rewards points | Same issuer and the same Ultimate Rewards points | An annual fee within $100, with transferable points |
Chase JP Morgan Reserve Card
$795 fee (same) · 10× topNone bonusSame issuer and the same Ultimate Rewards points
Chase Sapphire Preferred
$95 fee (−$700) · 5× top75,000 pts bonusSame issuer and the same Ultimate Rewards points
American Express Platinum
$895 fee (+$100) · 5× top175,000 pts bonusAn annual fee within $100, with transferable points
Video and discussion
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* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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