Credit card directory

Chase Sapphire Reserve Credit Card

The Chase Sapphire Reserve is the $795 card at the top of Chase's Sapphire line. It earns Ultimate Rewards points at 8x on Chase Travel purchases, including The Edit, 4x on flights and hotels booked directly, and 3x on dining worldwide, with no foreign transaction fee.

Facts read from the Chase official Sapphire Reserve card page on October 22, 2026. How we check them: methodology.

Earn rates, as the issuer prints them

This card pays a travel bonus whether or not you book through Chase: 8x inside Chase Travel, and 4x on flights and hotels booked directly with the airline or hotel. That second line matters to anyone who books direct to keep elite credit or simpler changes. Everything outside travel and dining, groceries and gas included, earns the 1x base rate, so the table favors a travel-heavy budget over a household one.

A year of spending on this card, worked out

Arithmetic illustration with stated inputs: $6,000 a year on flights and hotels booked directly, $4,800 on dining and $15,000 on everything else earns 24,000 + 14,400 + 15,000 = 53,400 points. Move the same $6,000 of travel into Chase Travel at 8x and the travel line doubles to 48,000 points, for 77,400 in total, provided the portal price matches the direct price.

Welcome offer as published

As published on the issuer page: 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

The 100,000 point offer requires $6,000 in three months, or $2,000 a month, the highest threshold among the Chase cards listed here. At the base rate the required spend adds at least 6,000 points of its own. The fee is the highest of the Chase cards too: $795 a year against $95 on the Sapphire Preferred, a $700 gap that recurs while the offer does not.

Who this earn structure suits

Heavy travelers who book a large share of flights and hotels either through Chase Travel or directly with airlines and hotels, plus regular dining spend. The $795 fee is the highest in this directory, so the earn structure only carries it at high travel volume. Authorized users cost $195 each, per the issuer page.

Notes from the issuer page

• Authorized user cards cost $195 each, as published on the issuer page checked.

The traps to check in your account

• Points land in Chase Ultimate Rewards; read its hub and the transfer guides before moving any.
• Authorized user cards cost $195 each on the issuer page checked, so adding a household member changes the fee arithmetic before a single point is earned.
• Interest on a carried balance can outweigh the rewards, so the earn table assumes you pay in full.