Chase Sapphire Reserve Review: The Best Chase Has To Offer

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Choose FI has partnered with CardRatings for our coverage of credit card products. Choose FI and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.

The Chase Sapphire Reserve is an incredible travel rewards credit card that any frequent traveler should have in their wallet.

Top Travel Rewards Offers

Top Travel Card

Ready to unlock a world of free travel? Start with the Chase Sapphire Preferred.
Details: $95 annual fee | $4k min spend in 3 months to earn $1,000+ of travel and earn up to a $50 statement credit on grocery store purchases in your first 12 months.

Most Flexible Travel Card

The Capital One Venture Rewards can be used for almost any travel expenses.
Details: $95 AF | $20k spend in 12 months to earn $1,000 in travel, or $3k spend in 3 months to earn $500+ in travel.

Flexible Chase UR Points & Cashback Card

The Chase Freedom Flex has no Annual Fee (AF) and earns Chase UR points.
Details: No AF | $500 spend in 3 months to earn $200.

Best Card for Side Hustlers and Business Owners

Side hustlers! The Ink Business Preferred can earn you $1.25k+ of free travel!
Details: $95 annual fee | $15k spend in 3 months to earn $1,250+ of travel

Here’s a quick overview of what the Chase Sapphire Reserve offers:

  • You can earn 60,000 bonus points after spending $4,000 in the first three months of having your card
  • $300 annual travel credit
  • 3X points on travel
  • 3X points on dining
  • One point per dollar on all other purchases

Chase Sapphire Reserve Features

Annual fee

Since the Chase Sapphire Reserve is a top-tier travel rewards card, it does have a steep annual fee of $550. That paired with the extra $75 for each authorized user does mean that this card isn’t for those who want no annual fee, or even a low one.

Rewards

If the annual fee scares you a little bit, you may be relieved to hear that the rewards offered by the Chase Sapphire Reserve may make up for it.

With the Chase Sapphire Reserve, you’ll earn 3X points on all travel and dining purchases you make. While that alone makes this a pretty great travel rewards card, the additional one point per dollar you can earn on all other purchases makes it even better!

Sign-up bonus

The Chase Sapphire Reserve doesn’t just have a one-time-only sign-up bonus. They offer $300 in travel statement credits every year on your account anniversary.

But, that’s not all. The Chase Reserve’s current bonus at the time of writing is 60,000 bonus points after you spend $4,000 on purchases in the first three months you have your card. That equals $900 you can use towards any travel purchases made through Chase Ultimate Rewards.

Great additional travel benefits

Chase doesn’t just offer great rewards, but they also offer a handful of other travel benefits that make the Chase Sapphire Reserve a great card for frequent travelers. Those benefits include:

  • No blackout dates or travel restrictions on your points when used through the Chase travel portal
  • If you redeem through Chase’s travel portal, you get 50% more value than if redeemed in other ways
  • 1:1 point transfers between airlines and hotels, meaning 500 Chase points equals 500 points with their partner businesses.
  • Travel insurance, including: purchase protection, return protection, lost luggage and trip delay reimbursement, and more.

Luxury travel

Traveling is great, it’s getting through the frustration at the airport that’s the hard part. With the Chase Sapphire Preferred card, you can enroll in a service that grants you access to over 1,000 VIP lounges in over 500 cities worldwide. Hanging out in a VIP lounge is bound to make anyone’s trip a little better.

In addition, if you’re a Global Entry customer, Chase offers a statement credit of up to $100 every four years as reimbursement for the application (as long as you use your Chase card).

Others agree that the Chase Sapphire Reserve is the best of the best

Don’t just take it from us that the Chase Sapphire Reserve is an amazing travel rewards card, MONEY® Magazine also named it the “Best Premium Travel Credit Card” in 2018.

That paired with customer reviews, proves that we are not the only ones that love the Chase Sapphire Preferred.

Learn how to apply for Chase Sapphire Reserve here.

Redemption option #1—Book travel

As you can tell, we highly recommend using the Chase Sapphire Reserve as your main travel rewards credit card. As mentioned above, if you book through Chase’s portal, you get 1.5 cents per point in value.

If you book through Chase Ultimate Rewards, your points can go towards:

  • Flights
  • Hotel stays
  • Car rentals
  • Vacation rentals
  • Cruises

Chase’s portal makes it easy to find flights and lodging, and they’ll tell you next to each flight/hotel/etc. how many points equals a free flight/stay.

You can transfer points to the following airlines:

  • British Airways Avios
  • Aer Lingus AerClub
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • JetBlue TrueBlue
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • World Of Hyatt
  • IHG Rewards Club
  • Marriott Rewards
  • Emirates
  • Flying Blue
  • Iberia Plus

If you’d like to learn more about Chase Ultimate Rewards here’s a full explanation.

Click here to compare this card to other travel rewards cards.

Redemption option #2–Amazon

If you’re a frequent Amazon shopper, you can use your rewards through Amazon. All you have to do is link your Chase card to Amazon and you can use your points at checkout.

Your points can even count towards shipping and tax. 

Redemption option #3–Shop through Chase

If you shop through Chase, you can get bonus points at more than 200 popular retailers online.

Click here to compare this card and find the card that’s best for you.

Why you should use the Chase Sapphire Reserve credit card

If you’re looking for the perfect travel rewards credit card, the Chase Sapphire Reserve is the answer to everything you’ve been looking for.

With a generous rewards program and an annual $300 bonus, this card has more than you could ask for from other travel credit cards.

Use your points through the Chase Ultimate Portal and you can get even more rewards for your everyday spending.

Learn how to apply for the Chase Sapphire Reserve here.

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Choose FI has partnered with CardRatings for our coverage of credit card products. Choose FI and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.
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