Chase Sapphire Reserve
By Alex Compton · Last verified
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.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 12 tracked offers going back to 2016, nothing has beaten 150k.
Current offer
150k
All-time high
150k
Typical offer
72,500
In place since
June 2026
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
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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
Lounge Access
This card opens 2 lounge networks. See exactly what you can walk into at your airport with the Lounge Finder.
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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