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Luxury travel rewards, rich credits, and airport lounge access
Elevated Welcome Bonus
Earn 125,000 Chase Ultimate Rewards points after spending $6,000 in purchases within three months of account opening.
$300 Flexible Annual Travel Credit
Automatically receive up to $300 in statement credits each account year for eligible travel purchases charged to your card.
Premium Earning on Travel and Dining
Get 8x points on Chase Travel bookings, 4x on direct flights and hotels, and 3x on worldwide dining.
Airport Lounge Access and Protections
Enjoy Priority Pass and Chase Sapphire Lounges, plus extensive trip protections, primary rental coverage, and no foreign transaction fees.
A High-End Travel Card Designed to Maximize Every Trip
The Chase Sapphire Reserve® is a premium travel credit card built for frequent travelers who want to turn nearly every trip and many everyday purchases into outsized rewards. In its updated 2025 version, the card pairs a generous welcome offer of 125,000 Chase Ultimate Rewards® points (after $6,000 in purchases within the first three months) with a robust earning structure and an expansive suite of travel and lifestyle credits. The trade-off is a substantial $795 annual fee and $195 per authorized user, so it is a card that makes the most sense for people who can actively use its benefits.
On the earning side, the Sapphire Reserve is now more rewarding than ever for travel-focused spenders. You earn 8x points on all purchases through Chase Travel℠, including bookings with The Edit℠, Chase’s curated collection of hotels and resorts. Flights and hotels booked directly with airlines and hotel brands earn 4x points, while dining worldwide earns 3x points. All other eligible purchases earn 1x point per dollar. If you consistently spend on flights, hotels, and dining, your points can accumulate quickly.
A core pillar of the card’s value is its set of automatic statement credits. Every account anniversary year, you receive up to $300 in statement credits for eligible travel purchases, which directly offsets part of the annual fee. On top of that, you can receive up to $500 in credits annually for prepaid hotel stays booked with The Edit, split into up to $250 from January through June and another $250 from July through December, with a two-night minimum. These hotel stays may also include valuable perks such as daily breakfast for two, a property credit, and potential room upgrades.
The Sapphire Reserve also offers premium access and protections. Cardmembers receive a Priority Pass™ Select membership, granting access to more than 1,300 airport lounges worldwide, plus entry to Chase Sapphire Lounges by The Club, usually with up to two complimentary guests. The card includes a credit of up to $120 every four years to reimburse the application fee for Global Entry, TSA PreCheck®, or NEXUS. Comprehensive travel protections—such as trip cancellation and interruption insurance, primary auto rental coverage, trip delay reimbursement, baggage protection, and emergency evacuation coverage—help protect your travel investments when things go wrong.
Beyond travel, the card provides a range of lifestyle and entertainment benefits, including a $300 annual dining credit at participating Sapphire Exclusive Tables restaurants, complimentary Apple TV and Apple Music subscriptions for a limited period, DoorDash perks, StubHub and viagogo ticket credits, Lyft and Peloton credits, and more. For frequent travelers and experience seekers willing to manage multiple credits and perks, the Chase Sapphire Reserve can easily deliver value exceeding its annual fee.
Unlock Premium Travel Value With Chase Sapphire Reserve®
If you are ready to elevate the way you travel, the Chase Sapphire Reserve® is designed to pack a tremendous amount of value into one premium card. The high annual fee reflects the level of perks on offer, but for travelers who fly and dine frequently, the combination of a strong welcome bonus, generous earning rates, and layered statement credits can more than justify the cost. Right from the start, the 125,000-point welcome offer helps you build a substantial Ultimate Rewards balance that can fund flights, hotel stays, and unique experiences around the world.
The card’s earning power is especially appealing if your spending is heavily skewed toward travel and dining. With 8x points on Chase Travel bookings and 4x on flights and hotels booked directly, every major trip can generate a meaningful number of points. Add 3x points on dining worldwide and 1x on everything else, and you have a single card capable of handling most of your daily and travel-related purchases while continuously rewarding you.
Credits are another key part of the Sapphire Reserve’s appeal. The $300 annual travel credit alone offsets a large chunk of the $795 annual fee for anyone who books even a single flight or hotel each year. The additional credits—up to $500 in hotel credits through The Edit, $300 in dining credits at select restaurants, entertainment and ticket credits, streaming and fitness benefits, and more—can drive your out-of-pocket net cost much lower if you use them regularly. For travelers who enjoy dining out, attending events, and exploring new destinations, these credits become part of a lifestyle rather than one-off perks.
Travel protections and access also help differentiate this card. Priority Pass and Chase Sapphire Lounge access give you a much more comfortable airport experience. The Global Entry, TSA PreCheck, or NEXUS fee credit makes clearing security and immigration smoother. Robust travel insurance—covering trip cancellations, delays, baggage issues, emergency evacuation, and more—adds an important safety net every time you leave home.
Ultimately, the Chase Sapphire Reserve is built for travelers who want an all-in-one premium card and are willing to engage with its benefits. If you travel several times a year, enjoy dining and entertainment experiences, and are comfortable managing multiple credits, this card can deliver thousands of dollars in potential value. Review your travel habits, estimate how many of the credits you can realistically use, and, if the numbers make sense, consider applying to turn your upcoming trips into more rewarding journeys.