Chase Sapphire Reserve®
A premium travel card: $795 fee offset by a $300 travel credit, a $500 Edit hotel credit, dining and lifestyle credits, and lounge access, if you will use them. Annual fee: $795. Welcome offer: 100,000 points after $6,000 in purchases in the first 3 months.
Authorized users $195 each.
Welcome offer
| Offer | 100,000 points |
|---|---|
| Spend requirement | $6,000 in purchases |
| Time window | first 3 months |
| Expiration | No end date stated |
Chase values it at $2,000 toward select Chase Travel flights and hotels. Offers vary by channel and have changed several times in 2026.
Offers may vary by applicant, channel, referral link and targeting. The offer on the issuer's own application page is the one that applies.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Chase Travel purchases (incl. The Edit) | 8x | |
| Flights booked direct | 4x | |
| Hotels booked direct | 4x | |
| Dining worldwide | 3x | |
| Everything else | 1x |
Travel is 4x when booked direct and 8x through Chase Travel.
Benefits and credits
Statement credits
| Credit | Value | Details |
|---|---|---|
| Annual travel credit | $300 | Applied to travel purchases. |
| The Edit hotel credit | $500 | Up to $250 per prepaid Edit booking; two-night minimum; two credits per year. |
| OpenTable Exclusive Tables dining credit | $300 | Up to $150 per half-year; through 06/30/2030. |
| Apple TV and Apple Music | $324 | Activate by 06/22/2027. |
| DoorDash DashPass + promos | $120 + up to $35/mo | DashPass activation by 12/31/2029. |
| StubHub / viagogo | $300 | Through 12/31/2027. |
| Lyft | $120 | Up to $10/mo through 09/30/2027; 5x on Lyft rides. |
| Peloton | $120 | Up to $10/mo through 12/31/2027. |
| Global Entry / TSA PreCheck / NEXUS | Up to $120 | Once every four years. |
Other benefits
- Chase Sapphire Lounges by The Club and 1,300+ Priority Pass lounges, up to two guests (Priority Pass guest fee $27 per guest).
- Air Canada Maple Leaf Lounges and Cafés with an eligible boarding pass.
- IHG One Rewards Platinum Elite status through 12/31/2027.
- Reserve Travel Designers, valued by Chase at up to $300 per trip.
- Spend $75,000 in a year to unlock World of Hyatt Explorist, IHG Diamond Elite, a $250 Shops at Chase credit, a $500 Southwest credit and Southwest A-List.
- Trip cancellation/interruption up to $10,000 per traveler ($20,000 per trip); lost luggage up to $3,000; rental collision up to $75,000; purchase protection up to $10,000 per item for 120 days.
Restrictions
- Not available if you already hold or recently received a bonus on this card.
- Several credits need activation or enrollment and expire on the dates shown.
- The Edit credit requires prepaid bookings of at least two nights and is not applied to all-points bookings.
Strategies
- Add up the credits you would use anyway. If you will not use at least most of the $300 travel credit, dining and Edit credits, the $795 fee is hard to justify.
- Book hotels through The Edit when the price matches or beats direct: the 8x earn and the $250 credits stack (see our Fine Hotels + Resorts and The Edit guide).
- Points transfer to Chase's airline and hotel partners; see the Transfer Partner Matrix for the current list.
Best categories: 8x at chase travel purchases (incl. the edit); 4x at flights booked direct.
Transfers: Chase Ultimate Rewards can move to 14 airline and hotel partners. Ratios and timing are in our Transfer Partner Matrix and on the Points Transfers and Deals page.
Compare with: The Platinum Card® from American Express, American Express® Gold Card, Capital One Venture X Rewards, Capital One Venture Rewards. Or try the Best Card Finder with your own spending.
Sources and freshness
Fees, welcome offers and earning rates come from Chase's official card pages, fetched on Oct 27, 2026.
Last updated: . Verification status: checked against the sources above.