Chase Sapphire Reserve

Premium travel card with exceptional benefits and high earning rates.

travel

premium travel

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Updated February 14, 2026

Key Details

Annual Fee

$795

APR

Always pay your balance in full each month to avoid interest charges. Use credit responsibly.

19.49% - 27.99%

Welcome Bonus

125,000 points

Spend $6,000 in first 3 months

Credit Needed

excellent

740+ credit score

Rewards Structure

Dining3x

Includes restaurants, takeout, and eligible delivery services

Everyday Purchases1x

Flights4x

When booked directly with the airline

Hotels4x

When booked directly with the hotel

Travel Portal8x

When booked through the Chase travel portal

Card Benefits

credits

lounge access

insurance

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Transfer Partners

airlines

Transfer ratios indicate the conversion rate when moving points to partners. A 1:1 ratio means you get 1 airline mile for every 1 credit card point transferred.

Aer Lingus AerClub1:1

Air Canada Aeroplan1:1

Air France / KLM - Flying Blue1:1

British Airways Club1:1

Iberia Plus1:1

JetBlue TrueBlue1:1

Singapore Airlines KrisFlyer1:1

Southwest Airlines Rapid Rewards1:1

United Airlines MileagePlus1:1

Virgin Atlantic Flying Club1:1

hotels

IHG One Rewards1:1

Marriott Bonvoy1:1

World of Hyatt1:1