Last Chance!
After you spend $6,000 on purchases in the first 3 months from account opening.
The Sapphire Reserve earns at the highest rates across travel and dining. It pairs that with lounge access and a stack of annual credits that return more than the fee for people who travel often. Its points transfer to strong airline and hotel partners, which is where most of the value comes from. It is our top overall pick for frequent travelers who will put the credits to work.
- Top earn rates on travel booked through the Chase travel portal, plus elevated rates on flights, hotels, and dining
- Annual travel and hotel credits that offset much of the fee when used in full
- Lounge access through Sapphire Lounges and Priority Pass
- Transfers to high-value airline and hotel partners, plus a Global Entry or TSA PreCheck credit
- High annual fee that only pays off if you use the credits
- Several credits are tied to specific booking channels and reset on a schedule
- More card than an occasional traveler needs
















