Chase Sapphire Reserve® It is one of the most popular Travel credit cards The market is looking for the best travel benefits, especially for frequent travelers. This card offers industry-leading travel protection and solid travel reward rates.
This card costs $550 per year, but you can do more than make up for it with card perks and credits. Let’s take a look at everything Chase Sapphire Reserve has to offer, as well as the best ways to maximize the functionality of your card.
Profit at a glance
Below is an overview of the reward rates and benefits for Chase Sapphire Reserve. According to Bank rate evaluation, The ultimate reward points are each worth an average of 2.0 cents.
Reward Rates and Welcome Offers
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After spending $5,000 in the first three months, you earn 60,000 ultimate reward points. This welcome bonus is worth up to $1,200 if redeemed for traveling through the Chase Travel Portal.
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Three times the points on restaurant meals (including eligible delivery services, takeout, meals) and other travel purchases (value 6%) after spending your first $300 on travel purchases
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Rentals booked on the Chay Travel Portal (20%) after spending 10x points (except edits) at the hotel and the first $300 to buy a trip.
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After spending your first $300 on your trip, 5x points (10% value) on your air travel booked with the Chase Travel Portal
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10x points (20% value) on purchasing Chase Dining with the ultimate reward
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Total 5x Lyft Rides (10% value) until September 2027
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Purchase 10x points (20%) of peloton equipment and accessories over $150 (up to 50,000 points) by December 31, 2027
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1x points for everything else (2% value)
Chase Sapphire Reserve Statement Credit
Chase Sapphire Reserve offers credit in a variety of areas. This will offset the annual fee if it can be maximized. This is what you get with your card:
| advantage | Maximum annual value |
|---|---|
| Travel credits (up to $300 per year) | $300 |
| Doordash Restaurant Credit (up to $5 per month until December 31, 2027) | $60 |
| Doordash Non-Restaurant Credit (up to $10 twice a month until December 31, 2027) | $240 |
| Lyft Credit (up to $10 per month until September 30th, 2027) | $120 |
| Annual fees | – $550 |
| Total value | $170 |
- Annual Travel Credits: You will automatically refund travel expenses up to $300 per account anniversary. These purchases will not earn you any rewards.
- Monthly Doordash Promotion Credits: DashPass members will earn up to $25 in sales credits on monthly promotional credits with $5 per month and two $10 non-restaurant credits by December 31, 2027. You must select a promotion at checkout to apply the discount.
- Monthly Lyft Credits: You will receive $10 in ride credits per month until September 30th, 2027. Unused credits expire at the end of the month.
Travel Benefits and Protection
The Chase Sapphire Reserve offers extraordinary travel benefits and protection. This is an overview of the Chase Sapphire Reserve perks you will receive on your card:
Shopping protection and benefits
Beyond the extraordinary Chase Sapphire Reserve Travel BenefitsWe recommend standard shopping protection and benefits to protect your purchase. Please be aware You must charge your purchase to your card for it to be applied.
Maximize Chase Sapphire Reserve
Sapphire Reserve charges a large fee of $550 per year, but if you follow these tips and maximize your card, you can return much more value.
Get a welcome bonus
Your main purpose when opening a new reward card is to win you Welcome bonus. If you miss the opportunity to earn a large number of bonus points as a new cardholder, you will not get a second chance with that card. After spending $5,000 for the first three months, the standard welcome offer of 60,000 points is worth around $1,200 when redeemed through Chase Travel. This offer allows you to pay two card costs or simply pay one or two round-trip flights.
Use your card to travel and purchase meals
Sapphire Reserve is one of the most valuable options to use to reward travel and meal purchases. The travel categories also cover a wider range of categories than many other publishers who offer bonus points for their trips. For example, airport parking is counted as a travel purchase, but not necessarily on other cards. Also, booking a trip with a card (even with points) will allow you to qualify for Chase’s Top Tier Travel Protection in case something happens, giving you peace of mind when planning your trip.
Take advantage of credits
The quickest way to offset your annual fee is to use Sapphire Reserve credits. Annual Travel Credits It automatically applies to eligible purchases after your account anniversary, so as long as you travel and pay using your Sapphire Reserve Card, you’ve already offset that fee. You can use it at once or cover multiple costs until you reach $300 in credit.
Monthly Doordash and Lyft credits can be difficult to use and may be of less value. For example, Lyft credits are only suitable for vehicles, so if you don’t need Lyft for a month, you won’t be able to carry over your credits. Also, due to the low volume of Doordash credits, full orders are not covered. Additionally, you will need to spend a certain amount to waive the service fee. Instead, you can think of these credits as a way to cover taxes and tips on your order. The ideal use is if you need some groceries and don’t have time to go to the store, or if you want a quick snack from your favorite restaurant.
Combine points from other chase cards
The best way to maximize the value of a sapphire reservoir is to combine points with tracking sapphire reservoirs from others I’ll chase my credit card. If you have multiple Chase cards that earn ultimate rewards or cashback, book a Chase Travel Portal, or redeem your Statement Credit Reward through the Pay Yourself Back program using the appropriate boost category, you can transfer your reward to Sapphire Reserve for 50% increase.
Redemption of the ultimate reward
Track the ultimate reward It is one of the most versatile and valuable points currencies available. Bank rate evaluation Place the ultimate reward points value at approximately 2.0 cents each. Transfer Partner.
Transfer to airline and hotel partner
One of the best ways to use the ultimate reward is I’ll transfer your points To one of Chase’s 14 airlines and hotel loyalty program partners. In many cases, proper redemption can help you find substantial value. Points are transferred at a rate of 1:1 in increments of 1,000 points. Below is a chart of Chase’s 11 airline partners and estimated transfer times:
| Airline partners | Transfer Time |
|---|---|
| aer lingus |
instant |
| plane | instant |
| Air France/KLM Flying Blue | instant |
| British Airways Executive Club | instant |
| Emirates Skyward | instant |
| Iberia Plus | instant |
| JetBlue TrueBlue | instant |
| Krisflyer from Singapore Airlines | 1-2 days |
| Southwest Airlines RapidRewards® | instant |
| UnitedMileagePlus® | instant |
| Virgin Atlantic Flying Club | instant |
You can also transfer points to three hotel partners in Chase. World of Hyatt is a unique and valuable partner, but others generally don’t provide good value for your rewards. However, it is useful to close your balance if necessary. The travel ratio and time are as follows:
| Hotel partner | Transfer Time |
|---|---|
| IHG 1 reward | One day |
| Marriott Bonvoy® | 1-2 days |
| World of Hyatt® | instant |
Expert opinion on Chase Sapphire Reserve
Chase Sapphire Reserve is one of the top travel cards you can get, but it’s not right for everyone. Insights from our experts will help you decide whether it’s worth spending extra money on your card and what is available if the reserve doesn’t fit your bill for you.
How to rank Chase Sapphire Reserves
Sapphire Reserve won Bankrate Award It is featured on some of the “best of” lists as part of the best travel card combinations. This is the experts and why they consider Sapphire Reserve as their biggest option.
Conclusion
If you are a frequent traveler, the profits of Chase Sapphire Reserve Travel are if you exceed the annual fee of $550 on your card, given a $300 travel credit and a 50% increase when redeeming points for a trip through Chase Ultimate Rewards.
However, if the $550 annual fee on your card makes you nervous, take your time. Compare with Chase SapphirePreferred® Card Find out which is best for your needs.
Information about Chase FreedFreed® is collected independently by Bankrate.com. Card details have not been reviewed or approved by the card issuer.
