Chase Sapphire Reserve
The flagship premium travel card, rebuilt in 2025 with a credit stack that can out-earn its fee.
Welcome Bonus
150,000
≈$3,075 value
Spend Requirement
$6,000
in 3 months
Annual Fee
$795
No FTF
Credit Score
740+
(Excellent)
Current offer note: Best-ever offer, ending soon
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 8xChase Travel purchases
- 4xFlights and hotels booked direct
- 3xDining worldwide
- 1xAll other purchases
Credits ($1,640/yr stated)
- Travel credit$300
Automatic, any travel purchase
- The Edit hotel credit$500
$250 Jan-Jun + $250 Jul-Dec, 2-night min
- Dining credit$300
$150 semiannually at Sapphire Reserve Exclusive Tables
- StubHub / viagogo credit$300
$150 semiannually
- Lyft credit$120
$10 monthly in-app credit
- Peloton membership credit$120
$10 monthly
Benefits
- ✦Priority Pass Select + Chase Sapphire Lounge network
- ✦Points Boost: up to 2.0¢/pt on select Chase Travel redemptions
- ✦Global Entry / TSA PreCheck / NEXUS credit
- ✦Primary rental car insurance, trip delay and cancellation cover
- ✦Complimentary DashPass + DoorDash promos
- ✦Apple TV+ and Apple Music subscription credits
- ✦1:1 transfers to Hyatt, United, Southwest and 11 more partners
Why it earns its spot
- +Industry-best transfer partners (Hyatt alone justifies the points)
- +Over $2,700 in stated annual credits if you use the full stack
- +8x on Chase Travel is a monster earn rate
- +Lounge network is expanding fast
Where it costs you
- −$795 annual fee demands active credit management
- −Coupon-book style credits take effort to maximize
- −Points Boost replaced the simpler flat 1.5¢ portal rate
- −Subject to Chase 5/24
The Compound Verdict
The 2025 refresh turned the CSR into a credit-stack card. If you travel even a few times a year and will use the Edit and dining credits, the math still works decisively in your favor. If you want simple, look at the Sapphire Preferred or Venture X instead.
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