The Points Pro logo The Points Pro

All cards

Compare points and miles cards

Up to three cards side by side, most decisive first. Open any section for the detail.

Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Chase Sapphire Reserve Card card art
Sapphire Reserve 1 of 1
Comparing 1 card
Chase Sapphire Reserve Card card art
Chase
Sapphire Reserve
Apply Details
Cost and value $795 fee
Annual fee
$795
Credits you can use a year, if you use every one
$2,340
Fee after credits
$1,545 back credits beat the fee
Point value per point or mile
2.05¢ Estimate
Rewards currency
Ultimate Rewards points
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 100,000 points, about $2,050
Bonus
100,000 points
Estimated value
$2,050
Spend to earn it less a month is easier
$6,000 in 90 days about $2,000 a month
Earning rates Top rate 10x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
3x about 6.1% back
Flights
1x about 2.0% back, the everything-else rate
  • 8x via the issuer portal, about 16.4%
Hotels
1x about 2.0% back, the everything-else rate
  • 8x via the issuer portal, about 16.4%
Travel (ground only)
1x about 2.0% back, the everything-else rate
  • 8x via the issuer portal, about 16.4%
Everything else
1x about 2.0% back
Only on this card
  • 10x Peloton equipment and accessories
  • 5x Transit and rideshare
Statement credits $2,340 a year
Trusted traveler
  • $120 every 4 years
    What counts

    Receive one statement credit of up to $120 every four years as reimbursement for Global Entry, TSA PreCheck, or NEXUS application fee charged to your card.

Rideshare
  • $120 a year $10 every month
    What counts

    Lyft members get up to $10 in monthly in-app credits, up to $120 annually, to use on rides through 9/30/27.

Dining and delivery
  • $300 a year $150 every 6 months
    What counts

    Up to $150 in statement credits January-June and again July-December (max $300 annually) for dining at restaurants in the Sapphire Exclusive Tables program on OpenTable.

  • $240 a year $20 every month
    What counts

    Two $10 DoorDash promos each month ($20 a month) for DashPass members, on groceries, retail and other non-restaurant orders, through 12/31/29.

  • $180 a year $15 every month
    What counts

    $15 monthly promo on any qualifying DoorDash order for DashPass members, available through 12/31/29.

Travel booking
  • $300 a year resets every card anniversary
    What counts

    Up to $300 in statement credits for travel purchases each account anniversary year; qualifying purchases will not earn points.

  • $250 a year resets every year
    What counts

    Up to $250 in statement credits through 12/31/26 on prepaid Chase Travel hotel bookings with select brands (IHG, Montage, Pendry, Omni, Virgin Hotels, Minor Hotels, Pan Pacific), two-night minimum required.

Shopping
  • $300 a year $150 every 6 months
    What counts

    Up to $150 in statement credits January-June and again July-December, for a maximum $300 annually, for StubHub and viagogo purchases through 12/31/27. Activation required.

Wellness
  • $120 a year $10 every month
    What counts

    $10 statement credit per month on eligible Peloton memberships, max $120 annually through 12/31/27 (activation required); plus earn 10x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/27.

Other credits
  • $500 a year resets every year
    What counts

    Statement credit of up to $250 per prepaid booking with The Edit, up to $500 annually, two-night minimum required.

Monthly credits to track fewer is less work
4
Transfer partners 14 partners
Partners
14
Alliance reach
Oneworld, SkyTeam, and Star Alliance
Aer Lingus AerClub
1:1
Air Canada Aeroplan
1:1
Air France-KLM Flying Blue
1:1
British Airways Club
1:1
IHG One Rewards
1:1
Iberia Club
1:1
JetBlue TrueBlue
1:1
Marriott Bonvoy
1:1
Singapore Airlines KrisFlyer
1:1
Southwest Rapid Rewards
1:1
United MileagePlus
1:1
Virgin Atlantic Flying Club
1:1
World of Hyatt
4:3
Wyndham Rewards
1:1
Status, lounges and travel Avis Preferred Preferred Plus, IHG One Rewards Platinum Elite, National Emerald Club Executive, 3 lounge benefits
Elite status
  • Avis Preferred: Preferred Plus after you enroll
  • IHG One Rewards: Platinum Elite after you enroll
  • National Emerald Club: Executive after you enroll
Other status perks
  • Bookings through The Edit by Chase Travel receive complimentary benefits such as a property credit, daily breakfast for two, and a room upgrade if available, average value over $550 per stay. $550
  • Southwest Rapid Rewards A-List status through the following calendar year, after spending $75,000 in a calendar year.
  • World of Hyatt Explorist status for the remainder of the calendar year through February of the following year, after spending $75,000 in a calendar year.
  • IHG One Rewards Diamond Elite status for the remainder of the calendar year in which you qualify and the following calendar year, after spending $75,000 in a calendar year.
Airport lounges
  • Complimentary access to Chase Sapphire Lounges by The Club and 1,300+ Priority Pass airport lounges worldwide with up to two guests, valued at over $850 annually. $850
  • Complimentary access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada and Europe with an eligible boarding pass, for primary cardmember and one guest.
  • Complimentary Priority Pass Select membership providing access to 1,300+ airport lounges worldwide; primary cardmember and authorized users each allowed up to two accompanying guests.
Travel benefits
  • Build and book a custom itinerary with a Reserve Travel Designer, valued at up to $300 per trip. $300
  • With Points Boost offers, points are worth up to 2x on top booked hotels, including The Edit, and flights with select airlines through Chase Travel.
Protection and insurance 8 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Trip delay
  • Reimburses up to $100 a day for up to 5 days for essential purchases when baggage is delayed over 6 hours.
  • Covered for unreimbursed expenses up to $500 per covered traveler if common carrier travel is delayed more than 6 hours or requires an overnight stay.
Baggage
  • Reimbursement up to $3,000 per covered traveler for lost, damaged, or stolen checked or carry-on baggage.
Rental car
  • Primary coverage providing reimbursement up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad when you decline the rental company's collision insurance.
Extended warranty
  • Extends manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from purchase date.
Purchase protection
  • Covers eligible new purchases for 120 days against damage or theft up to $10,000 per item.
Emergency evacuation
  • Covered for medical services and transportation up to $100,000 for emergency evacuation during trips 100+ miles from home.
Travel accident
  • Up to $1,000,000 in accidental death or dismemberment coverage when paying for air, bus, train or cruise transportation with your card.
Other coverage
  • You can be reimbursed for eligible items that the store won't accept within 90 days of purchase, up to $500 per item, $1,000 per 12-month period.
  • Reimbursed up to $2,500 for medical expenses, subject to a $50 deductible, if sick or injured 100+ miles from home.
  • Covered up to $50 per incident, 4 times a year for tow, battery assistance, tire change, locksmith or gas.
  • Reimbursed up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses if trip is canceled or cut short.
  • Provides legal and medical referrals and access to other travel and emergency assistance services while traveling away from home.
Lifestyle and other perks 2 perks
Lifestyle and entertainment
  • Complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually. $324
  • Complimentary DashPass membership for 12 months, a $120 value, with $0 delivery fees and reduced service fees on eligible DoorDash orders when activated by 12/31/27. $120
Authorized users Paid
Cost
$195 a year for each authorized user.
Each one gets
  • Auto rental coverage
  • Baggage delay insurance
  • Chase Sapphire reserve lounge network
  • Complimentary DashPass membership
  • DoorDash monthly promos
  • DoorDash monthly promos restaurant orders
  • Emergency evacuation and transportation
  • Emergency medical and dental
  • Extended warranty protection
  • Lost luggage reimbursement
  • Priority Pass select membership
  • Purchase protection
  • Return protection
  • Roadside assistance
  • Travel accident insurance
  • Travel and emergency assistance
  • Trip cancellation and interruption insurance
  • Trip delay reimbursement
Application rules 5/24
Issuer approval rules
  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

Bonus eligibility
  • Sapphire 48-month rule Community-reported
    What counts

    You can earn a Sapphire sign-up bonus only once every 48 months.

Card type
Personal