Chase Sapphire Reserve
Chase · Reward Points · Reward Points
This comprehensive guide covers the Chase Sapphire Reserve's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Chase Sapphire Reserve from Chase offers reward points rewards redeemable as reward points. Top earning categories include 10x on dining via chase dining and more. Cardholders receive lounge access at select airports. Annual fee is $795 (no standard fee waiver; $300 annual travel credit and other credits offset effective cost).
Best for: Dining, Travel, General Online, Electronics Accessories
Official product page → Official rules →
Waiver: No standard fee waiver; $300 annual travel credit and other credits offset effective cost
Reward Rules
- 10 pts/$100 10x on dining via Chase Dining
- 10 pts/$100 10x on hotels and car rentals via Chase Travel
- 5 pts/$100 5x on flights via Chase Travel
- 3 pts/$100 3x on travel and dining
- 1 pts/$100 1x everywhere else
Important Notes
- $300 annual travel credit reduces effective fee to ~$495.
- Additional credits (Global Entry/TSA PreCheck, DoorDash, Instacart, Lyft PiP).
- Points worth 50% more (1.5x) when redeemed through Chase Travel — in base valuations.
Lounge Access
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Chase Sapphire Reserve vs Similar Cards
- Chase Freedom Flex — Reward Points · $0
- Chase Freedom Unlimited — Reward Points · $0
- Ink Business Preferred Credit Card — Reward Points · $95
Maximize Your Rewards
To earn the highest rewards, use the Chase Sapphire Reserve for its bonus categories: Dining, Travel, General Online, Electronics Accessories, Grocery.