ChaseVISA
Sapphire Reserve
$795/yr
Chase
Chase Sapphire Reserve
4.6/5
VisaExcellent creditAnnual Fee
$795/yr
Point Value
2¢/pt
FX Fees
None
Current Signup Bonus
150,000 Ultimate Rewards points + $500 Chase Travel credit after spending $6,000 in the first 3 months
~$3,500 value
Apply NowEarning Rates
8x8x on travel booked via Chase Travel
4x4x on flights & hotels booked direct
3x3x on dining worldwide
1x1x on everything else
Pros & Cons
Pros
- Priority Pass + Chase Sapphire Lounge access
- $300 annual travel credit + $500 The Edit hotel credit
- Up to 2x value via Points Boost on premium flight & hotel redemptions
- $300 Sapphire Reserve Exclusive Tables dining credit
- Global Entry/TSA PreCheck credit ($120 every 4 yrs)
- Best Chase transfer partner access (Hyatt, United, Air Canada)
Cons
- $795 annual fee — effective cost depends on credit usage
- Credits spread across many categories — requires effort
- New "Points Boost" model less generous than the old flat 1.5cpp
Key Benefits & Perks
Priority Pass + Sapphire Lounges
$300 travel credit
$500 The Edit hotel credit
$300 Exclusive Tables dining credit
$300 StubHub credit
$250 Apple TV+/Music
$120 Lyft credit
$300 DoorDash credits
$120 Peloton credit
Global Entry/TSA PreCheck credit
Primary car rental insurance
Transfer Partners
Ultimate Rewards points transfer to 14 airline and hotel loyalty programs, often at a 1:1 ratio. Transfer to maximize redemption value.
UnitedHyattSouthwestBritish AirwaysAir France/KLMSingapore AirlinesIHGMarriott BonvoyVirgin AtlanticAer LingusEmiratesIberiaJetBlueAir Canada Aeroplan
Points Value Calculator
Estimate the dollar value of your Ultimate Rewards balance based on our average 2¢ per point valuation.
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