Chase Sapphire Reserve


This card comes with one of the highest annual fees among travel cards, but if you travel a lot and like luxury touches, it’s truly a case of “you get what you pay for.” The list of benefits that come with this card is a mile long. The highlights include airport lounge access, a $300 annual travel credit, reimbursement for TSA Precheck or Global Entry fees, and a sizable 50,000-point bonus after you spend $4,000 within the first three months (worth $750 in travel when redeemed through Chase Ultimate Rewards). What’s more, if you transfer those points to a partner like World of Hyatt, those points could be worth up to $1,005, based on our valuation.



  • Earn extra points for travel and dining purchases
  • Many different purchases count as travel spending, which makes earning rewards easier
  • Several valuable ways to use points, including transfers to partner loyalty programs
  • Jam-packed with valuable travel credit and travel insurance benefits


  • Massive annual fee
  • High ongoing APR


  • Receive 50,000 points after spending $4,000 in the first 3 months from account opening.
  • Get an annual $300 travel credit for eligible purchases charged to your card each anniversary year.
  • Earn 3 points on travel (excluding purchases eligible for the travel credit), restaurants, and dining. Earn 1 point per $1 spent on other purchases.
  • Points are worth 50% more when you redeem them for travel through Chase’s Ultimate Rewards portal.
  • Transfer points 1:1 to eligible Ultimate Rewards airline and hotel partner programs.

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