The Chase Sapphire Reserve® (see charges and costs) expenses a hefty $795 annual charge — so is it value including to your pockets? For vacationers who worth luxurious perks, it is possible value it.
The Sapphire Reserve delivers distinctive worth to these prepared to maximise its advantages. Nevertheless, budget-minded vacationers might not respect what the cardboard has to supply.
Proper now, new candidates can earn a welcome bonus of 100,000 factors plus a $500 Chase Journey℠ promo credit score* after spending $5,000 within the first three months from account opening.
This bonus is value as much as $2,550 per TPG’s July 2025 valuations of Chase factors, and is a superb solution to acquire a bit of factors upfront.
Here is who would possibly — and won’t — need to add the Chase Sapphire Reserve to their pockets.
*The promotional credit score is legitimate for a one-time use solely; for those who apply the promotional credit score to a transaction lower than $500, you’ll forfeit the remaining steadiness.
Who ought to get the Chase Sapphire Reserve?
Let’s discover why it’s possible you’ll need to add the Chase Sapphire Reserve to your pockets.
You spend loads on journey
The Sapphire Reserve affords a $300 annual journey credit score. This credit score may be very versatile and routinely applies to the primary $300 spent on journey with the cardboard.
Journey is a broadly outlined class on the Sapphire Reserve, so it is easy for frequent vacationers to make use of.
Every day E-newsletter
Reward your inbox with the TPG Every day publication
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
You worth lounge entry
The Sapphire Reserve grants entry to Chase Sapphire Lounges and greater than 1,700 Precedence Move lounges for cardholders and as much as two company at no cost. When touring with a Star Alliance airline, cardholders additionally obtain entry to greater than 20 Air Canada Maple Leaf lounges.
For those who fly continuously in or out of an airport with a Chase lounge or worth Precedence Move membership, this card is the ticket.
You need luxurious lodge perks
Sapphire cardholders additionally obtain entry to The Edit by Chase Journey, Chase’s luxurious lodge assortment. This program is just open to those that maintain a Sapphire Reserve or J.P. Morgan Reserve® Card.
The knowledge for the J.P. Morgan Reserve Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
If you do not have elite standing with common applications equivalent to Marriott Bonvoy or Hilton Honors — otherwise you need to keep at boutique properties exterior of those applications and nonetheless obtain perks — The Edit properties present comparable advantages like complimentary breakfast, early check-in, late checkout and complimentary upgrades (when accessible). Plus, the Sapphire Reserve affords as much as $500 yearly in The Edit credit.
For those who take pleasure in staying at IHG properties, this card additionally gives automated IHG One Platinum elite standing (via Dec. 31, 2027).
You need to maximize redeeming your factors
Sapphire Reserve cardholders are eligible to redeem Chase factors via the Chase Journey portal with the Factors Increase accelerator. With Factors Increase, you may redeem your Chase factors for choose lodge bookings and flights via Chase Journey at a worth of as much as 2 cents per level. (This is dependent upon the redemption you select; see your rewards program settlement for full particulars.)
With Factors Increase, we have seen inns close to Disneyland for simply 17,000 Chase factors an evening — as a substitute of 57,000 Marriott Bonvoy factors.
You are keen to ebook via a portal to earn double the factors
For those who’re open to reserving with the Sapphire Reserve via the Chase Journey portal, you may earn 8 factors per greenback on these purchases. That is double the return you’d obtain with the cardboard on flight or lodge bookings made immediately with the airline or property (4 factors per greenback spent).
If you do not have elite standing or loyalty to a selected airline or lodge, reserving with the portal might enable you to earn extra in your reserving.
You may have a Chase card that earns money again
Pairing the Sapphire Reserve with a Chase cash-back card is a great solution to enhance your rewards.
That is as a result of you’ll switch your factors to considered one of Chase’s 14 loyalty program companions whenever you additionally maintain the Sapphire Reserve. Transferring to companions permits you to unlock the worth of Chase factors at 2.05 cents per level, per TPG’s July 2025 valuations.
When you’ve got a Chase cash-back card — however not one which permits you to switch Chase factors to switch companions such because the Chase Sapphire Most well-liked® Card (see charges and costs), Chase Sapphire Reserve for Enterprise℠ (see charges and costs) or the Ink Enterprise Most well-liked® Credit score Card (see charges and costs) — including the Sapphire Reserve might be an excellent choice.
Some playing cards that pair nicely with the Sapphire Reserve are:
The knowledge for the Chase Freedom Flex has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
You worth robust journey protections
The Sapphire Reserve is a superb card for journey and purchasing protections. The cardboard gives journey cancellation and interruption insurance coverage, baggage delay insurance coverage, buy safety and prolonged guarantee protection.
Associated: The final word information to the perfect bank card mixtures
Who should not get the Chase Sapphire Reserve?
The Chase Sapphire Reserve is a superb selection for a lot of vacationers, nevertheless it is not for everybody. Listed here are some causes this card is probably not ideally suited for you.
You not often journey
The Sapphire Reserve is designed for frequent vacationers. Its versatile annual journey credit score and a number of assertion credit towards travel-related purchases are geared towards them. Plus, for those who do not want airport lounge entry since you aren’t flying a lot, the Sapphire Reserve possible is not the cardboard for you.
You like money again
The Sapphire Reserve earns Chase Final Rewards factors for spending. For those who’d desire cash-back rewards, apply for a card that earns money again as a substitute.
You will not maximize many of the assertion credit
The Sapphire Reserve comes with a protracted record of assertion credit for a number of varieties of spending. This consists of as much as $300 in annual StubHub and Viagogo credit via Dec. 31, 2027 ($150 biannually), as much as $300 in annual eating credit with Sapphire Reserve Unique Tables and as much as $300 in annual promos with DoorDash via Dec. 31, 2027.
Maximizing these credit is a sure-fire solution to get the total worth out of the cardboard in change for its excessive $795 annual charge. Nevertheless, for those who aren’t eager about protecting monitor of assertion credit or desire a easier card, the Sapphire Reserve is probably not for you.
You presently maintain the Sapphire Most well-liked
The Chase Sapphire Most well-liked Card doesn’t cancel out the Sapphire Reserve by any means, because the playing cards are fairly totally different. The Sapphire Most well-liked would not provide lounge entry and the Sapphire Reserve now not has a normal journey bonus class, so it might make sense to carry each playing cards in some circumstances.
The rationale it’s possible you’ll not need the Sapphire Reserve for those who already maintain the Sapphire Most well-liked is the welcome bonus. As a result of Chase’s up to date welcome bonus eligibility necessities, you are unlikely to earn the Sapphire Reserve welcome bonus for those who presently maintain the Sapphire Most well-liked.
This might imply lacking out on a major a part of the Sapphire Reserve’s total worth, so it’s possible you’ll need to skip the premium card for those who’re joyful together with your Sapphire Most well-liked.
For those who’re pondering of upgrading to the Sapphire Reserve from the Sapphire Most well-liked, you may acquire extra from Factors Increase redemptions — however you’d lose out on the final journey bonus class. Think about what you’d acquire and what you’d lose earlier than making the choice.
You’ve got utilized for five or extra playing cards within the final 24 months
Chase’s well-known 5/24 rule restricts those that have opened 5 or extra playing cards within the final 24 months from being authorized for considered one of its playing cards.
For those who’re over 5/24, it’s possible you’ll need to think about one other premium card till you are again below the edge. The Platinum Card® from American Specific or Capital One Enterprise X Rewards Credit score Card might be good choices instead — or you can wait to submit your Sapphire Reserve software.
As with most premium playing cards, you might also have hassle qualifying for those who’re new to credit score completely.
Backside line
Regardless of its excessive $795 annual charge, the Chase Sapphire Reserve might make a wonderful addition to the luxurious traveler’s pockets. That is very true for those who’re a frequent traveler who values lounge entry, desires to maximise their factors redemptions and would ebook via the Chase Journey portal typically.
Occasional vacationers, budget-conscious customers and those that desire cash-back rewards could be higher with another choice.
To be taught extra, learn our full overview of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
