Chase Sapphire Reserve

Chase · Visa

Best for

Heavy travellers who will actually use the credits. At $795 the fee only works if the benefits are used, not admired.

Apply on Chase Compare cards

Annual fee

$795

FX fee

None

Purchase APR

19.49%

Income req.

N/A

Reward rates

Chase Travel purchases	8x
Flights and hotels booked direct	4x
Dining worldwide	3x
All other purchases	1x

Welcome bonus

100,000 points after $6,000 of spending in the first 3 months.

Requirement: $6,000 in 3 months

Perks

Authorized users cost $195 each per year

Frequently asked questions

Is the Chase Sapphire Reserve worth it?

It charges a $795 annual fee. It's best suited to heavy travellers who will actually use the credits. At $795 the fee only works if the benefits are used, not admired. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.

What does the Chase Sapphire Reserve earn?

It earns 8x on chase travel purchases, 4x on flights and hotels booked direct and 3x on dining worldwide.

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site. This does not influence our editorial content.

Written by

VaultNerd Editorial Team

Researching and writing about Canadian personal finance since 2026.

Last reviewed August 2026 · How we research

Cite this page

“Chase Sapphire Reserve Review.” VaultNerd, https://www.vaultnerd.com/credit-cards/chase-sapphire-reserve, updated August 2026.

Sources

Chase published product page and cardholder agreement