Chase Sapphire Reserve
Heavy travellers who will actually use the credits. At $795 the fee only works if the benefits are used, not admired.
Vault Nerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
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
- Excellent credit, roughly 720 and above
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.
What credit score do you need for the Chase Sapphire Reserve?
We'd suggest a score of around 720 or higher, which puts approval in our "hard" band. This is a Vault Nerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“Chase Sapphire Reserve Review.” Vault Nerd, https://www.vaultnerd.com/credit-cards/chase-sapphire-reserve, updated August 2026.
- Chase published product page and cardholder agreement