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Frequent Miler is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com, but we always show the best public offer even when we don't earn a commission . This site does not include all financial companies or all available financial offers. For additional details, see our Advertiser Disclosure.
| Card Details and Application Link |
|---|
Chase Sapphire Reserve Card 70K Points 70K after $4K spend in 3 months$550 Annual Fee Click Here to Apply This is NOT an affiliate link. We always present the best offer even when it means less revenue for Frequent Miler Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 12/1/22: 80K after $4K spend FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom Flex, no-fee Freedom Unlimited & no-fee Chase Ink Cash Earning rate: 10X hotels & car rentals booked through Chase ⚬ 10X Chase Dining ⚬ 5X flights booked through Chase ⚬ 3X Travel and Dining ⚬ 10X Lyft (through March 2025) Card Type: Visa Infinite Noteworthy perks: $300 Annual Travel Credit ⚬ Points worth 1.5 cents each towards travel ⚬ Transfer points to airline & hotel partners ⚬ Primary auto rental collision damage waiver ⚬ Priority Pass Select lounge access ⚬ $100 Global Entry fee credit ⚬ $5 monthly DoorDash in-app credit through December 2024 ⚬ Free DashPass through 2025 ⚬ Earn 10X on Lyft spend⚬ Free Lyft Pink All Access Memberhsip through December 2024 ⚬ $15 monthly Instacart credit ⚬ 12 months free Instacart+ ⚬ $10 monthly GoPuff credit (through 12/31/23) See also: Chase Ultimate Rewards Complete Guide |
The $550 Chase Sapphire Reserve card is my pick for the best all around travel rewards card. It has decent perks, best-in-class travel protections, and excellent rewards for spend. This card earns valuable Chase Ultimate Rewards points. With the Sapphire Reserve card, points are worth 1.5 cents each when redeemed for travel through the Chase Ultimate Rewards portal.
Application Tips
Chase Application Tips
Call (888) 338-2586 to check your application status |
Should you apply?
If you spend a lot on travel and/or dining, then I highly recommend this card. That said, you might do better signing up for a different card… The Chase Sapphire Preferred. The Sapphire Preferred often has a better signup bonus than the Sapphire Reserve and so it can make sense to sign up for the Sapphire Preferred and later upgrade to the Sapphire Reserve.
For reference, here are the current signup bonuses for both cards:
| Card Offer |
|---|
70K Points 70K after $4K spend in 3 months$550 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 12/1/22: 80K after $4K spend |
60K points 60K after $4K spend in 3 months$95 Annual Fee A similar offer with the first year annual fee waived may be found in-branch. YMMV. |
Are you eligible?
To get this card you must be under 5/24, you must not be a current Sapphire Preferred or Sapphire Reserve cardholder, and at least 48 months must have passed since you last received a new cardmember bonus for the Sapphire Preferred or Sapphire Reserve card.
| Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months. To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely. |
How to apply
You can find the best current signup offer and application link here: Chase Sapphire Reserve.
Application status
After you apply, call (888) 338-2586 to check your application status.
Reconsideration
If your application is denied, I recommend calling for reconsideration (1-888-270-2127). It’s surprising how often denials can be changed to approvals just by asking.
Perks
$300 Travel Credit
Automatically earn $300 in statement credits each membership year as reimbursement for travel purchases. For those who spend at least that much each year on travel, this effectively lowers the $550 annual fee to approximately $250. Note though that you will not earn rewards on the $300 in spend that is reimbursed.
Ultra-Premium Ultimate Rewards
Since this is an ultra-premium Ultimate Rewards card, the following rewards are available:- Redeem Points for 50% More Value: Points are worth 1.5 cents each when used to book travel through the Ultimate Rewards portal.
- Erase statement charges for 25% more value: Points are worth 1.25 cents each when used to erase select categories of charges via Pay Yourself Back.
- Transfer Points to Partners: Points can be transferred one to one to a number of airline and hotel loyalty programs.
Travel Benefits
- Priority Pass Select Lounge Membership: Membership includes free access to lounges for yourself and up to two guests. Unlike Priority Pass memberships issued by American Express, this version includes Priority Pass restaurants.
- Global Entry or TSA Pre✔® Fee Credit: Receive a statement credit of up to $100 every 4 years as reimbursement for the Global Entry or TSA Pre Check application fee charged to your card.
- Car rental privileges: National Car Rental Executive status is quite valuable. Also includes discounts with Avis and Silvercar.
- The Luxury Hotel & Resort Collection: Book selected hotels and receive perks such as room upgrades, free breakfast, early check-in and late check-out, discounts and credits, and more.
- Elite Hotel Benefits at Relais & Châteaux: Receive "a VIP welcome" and complimentary breakfast daily at select properties.
- 4th night free at select sbe hotels: At select sbe hotels, get the 4th night free, free breakfast, $30 hotel credit and more. Read our in-dept coverage of this perk here.
- Visa Infinite Concierge Service: "Access to Visa Infinite Concierge who can help you with requests, like dinner reservations, or Broadway, music and sporting event tickets. Call 1-877-660-0905 to reach the Visa Infinite Concierge.1 Traveling outside the U.S.? Call us collect at 1-312-800-4290."
- No foreign transaction fees
Travel Protections
In my opinion, the Sapphire Reserve has the best automatic travel protections of any card on the market today. Most of the following protections kick in even if you pay with points or pay only in part with your card. More details and a comparison to other ultra-premium cards can be found here: Ultra-Premium Credit Card Travel Insurance.- Auto Rental Coverage: Chase offers primary auto rental CDW (collision damage waiver). Here's the description directly from Chase: "Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad."
- Roadside Assistance: "If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year."
- Trip Cancellation / Interruption Insurance: "If your trip is cancelled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels."
- Trip Delay Reimbursement: "If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket."
- Lost Luggage Reimbursement: If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger."
- Baggage Delay Insurance: "Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days."
- Travel Accident Insurance: "When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000."
- Emergency Evacuation & Transportation: "If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000."
- Emergency Medical and Dental Benefit: "If you’re 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured."
Purchase Protection
- Extended Warranty: "Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less."
- Damage and Theft Protection: "Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year."
- Return Protection: "You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year."
Dining & Food Delivery Benefits
- 10x Chase Dining: Earn 10 points per dollar for prepaid dining booked through Chase Dining.
- Reserved by Sapphire: Starting late 2021, cardmembers will have access to “Reserved by Sapphire” which will purportedly offer “exclusive” chances to book reservations at high-demand restaurants.
- 12 months free Instacart+ - Gives access to free delivery on orders over $35, a 5% credit back on all eligible pickup orders and reduced service fees.
- $15 monthly Instacart credit - Chase Sapphire Reserve cardholders get $15 in statement credits on Instacart purchases each month.
- $10 Monthly GoPuff credit - GoPuff is a delivery service that can be used for groceries, home essentials and other products. Sapphire Reserve cardholders get $10 in statement credits on Gopuff purchases each month.
Lyft Rideshare Benefits
- 10X Rewards: Use your Sapphire Reserve card with Lyft in order to earn 10 points per dollar through March 2025.
- Free Lyft Pink Access (through 2024) - Lyft Pink members complimentary upgrades to Priority Pickup on Standard rides, savings on Lyft Lux, XL, and Preferred rides and relaxed ride cancellations.
Earn Points
Signup Bonus
This card earns super-valuable Ultimate Rewards points. Here’s the current signup offer:
| Card Offer |
|---|
70K Points 70K after $4K spend in 3 months$550 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 12/1/22: 80K after $4K spend |
Refer Friends
Referring friends is often a good way to earn extra points with Chase products, but referral offers come and go over time. When referral offers are available, Chase sends emails to eligible cardholders with the offer details. Cardholders can also look for Chase friend referral offers here.
Bonus Spend
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: 10X hotels & car rentals booked through Chase ⚬ 10X Chase Dining ⚬ 5X flights booked through Chase ⚬ 3X Travel and Dining ⚬ 10X Lyft (through March 2025) |
Redeem Points
Cash Back
Cardholders can redeem points for 1 cent each either as statement credits or as cash back. Cash back can be taken as a statement credit or via check or ACH transfer.
Travel
Redeem points for travel: 1.5 cents per point
This card offers 1.5 cents per point value towards travel booked through Chase. Log into Chase under this account, and go to the Chase Ultimate Rewards portal to book your travel. A $600 flight would cost 60,000 points if you used a no-fee Ultimate Rewards card, but with this ultra-premium card it would cost only 40,000 points.
Details about booking travel through Chase
You can use the Chase Ultimate Rewards portal to book airfare, hotels, cruises, activities, and car rentals. Airfare purchased through the portal still earns airline miles and elite qualifying miles. Hotels booked this way do not earn hotel rewards. Worse, hotels booked through the portal often won't offer you elite benefits even if you have status.Travel protections apply
When you pay with points for travel, Chase's automatic travel protections do apply. So, you can be covered for things like car rentals, trip delays, trip cancellation & interruption, lost luggage, etc. The coverage you receive will be based on which card's rewards were used to book the trip. For example, if you have both a Chase Sapphire Preferred and a Sapphire Reserve, you would want to move your Ultimate Rewards points from the Preferred to the Reserve and then use the Reserve points to book your trip. You will get both better value (1.5 cents per point) and better travel protections. See: Sapphire Reserve Travel Insurance.Transfer points
The best use of Ultimate Rewards points, in my opinion, is to transfer points to airline and hotel partners in order to book high value awards. Your best bet is usually to wait until you find a great flight or night award before transferring points. Points transfer at a ratio of 1:1 as shown in the list of transfer partners below. Keep in mind that while transfers are instantly posted to most loyalty programs, transfers to Singapore Krisflyer and Marriott Bonvoy are not instant.
Move points to premium or ultra-premium card first
You cannot transfer points directly from a no-fee Chase Ultimate Rewards card to airline and hotel partners, but you can move points first to a premium card (Sapphire Preferred or Ink Business Preferred, for example) or ultra-premium card (Sapphire Reserve) and then transfer the points to airline or hotel partners. Points can be transferred to the loyalty accounts of the primary cardholder or any authorized user on the account. Points can also be transferred to the loyalty account of a joint business owner, but they do need to be an authorized user on the associated business account.Transfer Partners
| Rewards Program | Best Uses |
|---|---|
| Aer Lingus Avios | Fuel surcharges are sometimes lower when booking with Aer Lingus (Avios.com) rather than British Airways, Qatar, or Iberia. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| Air Canada Aeroplan | Redeem for Star Alliance flights and/or flights with Air Canada partners (such as Etihad). No fuel surcharges; $39 CAD award booking fee; 5,000 points to add stopover on one-way award. See: Air Canada Aeroplan: Everything you need to know. |
| Air France KLM Flying Blue | Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards. Air France often offers very good business class award pricing between the US and Europe & Israel. |
| British Airways Avios | While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Excellent value can be had in redeeming BA points for short distance flights. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| Emirates Skywards | The best use of Emirates miles has been to fly Emirates itself. Unfortunately fuel surcharges can be steep. See: Emirates Sweet Spot Awards - First class from 30K miles round trip. |
| Hyatt | Use for Hyatt free nights, free suite nights, lounge upgrades, or suite upgrades. Hyatt points are often worth at least 2 cents each, but they’re sometimes worth far more. Bonus: award nights are not subject to resort fees. |
| Iberia Avios | Iberia offers very low award prices on their own flights and a very reasonable 25 Euro cancellation fee. Partner awards can offer good value under some circumstances as well, but these are usually nonrefundable. Fuel surcharges are sometimes lower when booking with Iberia rather than British Airways, Aer Lingus, or Qatar. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| IHG | IHG dynamically prices their awards and sometimes offer very good value. IHG Premier and IHG Premier Business cards offer the fourth night free on award stays. |
| JetBlue | JetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket (more details can be found here). The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one of these cards. |
| Marriott Bonvoy | 5th Night Free awards. Opportunities to get outsized value exist but can be hard to find. |
| Qatar Privilege Club Avios | Qatar has reasonable award prices for flying Qatar itself. Points are now transferable 1 to 1 to British Airways (and from there to Aer Lingus or Iberia) |
| Singapore Airlines KrisFlyer | Use to book Singapore Airlines First Class awards (generally reserved for their own members), Alaska Airlines economy awards, or for Star Alliance awards (including United Airlines). |
| Southwest Rapid Rewards | Award flights are fully refundable. Point values vary due to certain taxes not being charged on awards, but tend to average around 1.5 cents per point. |
| United MileagePlus | United offers free award changes and free cancelations. Like Avianca and Aeroplan, United never charges fuel surcharges for awards. Unfortunately, United charges many more miles for international first class awards. Good uses of miles include United's Excursionist Perk awards and (sometimes) dynamically priced United economy awards. |
| Virgin Atlantic Flying Club | Virgin Atlantic offers a few great sweet spot awards including US to Europe on Delta One business class for 50K points one-way. See: Best uses for Virgin Atlantic points (Sweet Spot Spotlight). |
Other ways to redeem points
Through the Ultimate Rewards portal you can redeem points for cash back, gift cards, merchandise, or experiences. With this approach you'll usually get 1 cent per point value. One exception is that Chase occasionally offers gift cards at a discount so you may be able to get better than 1 cent per point value during a gift card sale.
You can also use points to pay some merchants directly (Amazon.com, for example or via Chase Pay). Don't do this. These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Ultimate Rewards points - causing you a headache in getting your points reinstated).
You can also use points to pay some merchants directly (Amazon.com, for example or via Chase Pay). Don't do this. These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Ultimate Rewards points - causing you a headache in getting your points reinstated).
Manage Points
Combine Points Across Cards
If you are the primary account holder with multiple cards, you can freely combine Ultimate Rewards back and forth between your accounts. Your points can then be redeemed according to the card to which you move them. For example, if you have the no-fee Ink Business Cash card and the ultra-premium Sapphire Reserve card, you can earn 5X points per dollar on office supply purchases (or on gift cards purchased at office supply stores) with the Ink Card and then move those points to your Sapphire Reserve account to redeem them for 1.5 cents per point towards travel.
If you intend to cancel a Chase Ultimate Rewards card, you should first combine your points with a card you intend to keep active. Once you cancel, you will forfeit any unused points in that account (See: My 90,000 Ultimate Rewards Points mistake). A product change should not affect your balance, but some people prefer moving points before a product change as well just to be safe.
If you intend to cancel a Chase Ultimate Rewards card, you should first combine your points with a card you intend to keep active. Once you cancel, you will forfeit any unused points in that account (See: My 90,000 Ultimate Rewards Points mistake). A product change should not affect your balance, but some people prefer moving points before a product change as well just to be safe.
Share Points Across Cardholders
Chase allows customers to transfer Ultimate Rewards points to any other account in that customer's name or to one additional household member or joint business owner (for free). You do need to call Chase the first time you transfer points to a different person's account, but once that's been done once, you can transfer more points online in the future.
Why this is valuable:
Why this is valuable:
- You earn points with the card offering the best return on purchases and then use points with the card offering the best redemption rate.
- Only one member of your household needs to maintain a premium card for transferring to partners or booking travel (though note that the primary cardholder can only transfer points to partner loyalty programs in the name of the primary cardholder or authorized users).
How to Keep Points Alive
Thankfully, it is very easy to keep Chase Ultimate Rewards points alive: simply keep the points in an open Ultimate Rewards account and they will not expire. Note that if you close an Ultimate Rewards card, you will lose any points associated with that card. You should first combine points to move points away from the card you intend to close and to another card that will remain open as per the sharing section above before canceling. See: My 90,000 point Ultimate Rewards mistake. See also: A checklist for cancelling credit cards.
Authorized Users
- Annual fee: $75 per authorized user
- $300 travel credit? Authorized users do not get their own travel credits. Travel purchases made on authorized user cards do get reimbursed but the reimbursement comes out of the same $300 per year bucket as the primary card.
- Airport Lounge Access? Authorized users get Priority Pass Select membership like the primary user.
- Primary car rental collision damage waiver? Yes
- Global Entry or TSA Pre Fee Credit? Authorized users do not get their own Global Entry or TSA Pre reimbursements. Enrollment fees charged to authorized user cards do get reimbursed but it comes out of the same single reimbursement every 4 years as the primary card.
- Why consider paying for authorized user cards? Many will find that it is not worth adding authorized users. However, it can be worth it to earn 3X for travel & dining for authorized user spend, and to give Priority Pass to your authorized users. See also: The Sapphire Reserve Couple Conundrum.
Card Lifecycle
How to meet minimum spend requirements
Once you are approved for a Chase card, you have three months to meet the required spend in order to get the signup bonus. If your usual spend isn’t enough, consider using the Plastiq bill pay service to use your card to pay bills that can’t usually be paid by credit card (rent, contractors, etc.) or maybe pay taxes. Click here to find many more options for increasing credit card spend.
Keep, cancel, or product change?
The decision of whether to keep this card year after year can be complex. On the one hand, if you spend a lot in its bonus categories, then it’s a no-brainer to keep this card instead of the Sapphire Preferred. On the other hand, if you spend that much on travel and dining, you might do even better with cards like the Amex Gold Card or Citi Prestige. These posts may help you make a decision:
If you do decide to get rid of the card, I recommend downgrading to a fee free card rather than cancelling outright. That way, you’ll be sure to keep your points alive and you’ll most likely have the option to upgrade back to the Sapphire Reserve if you ever need to.
Related Cards
Ultimate Rewards Consumer Cards
| Card Offer and Details |
|---|
20K points + 15 months 0% APR Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.No Annual Fee Be sure to select the card you want after clicking through. This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 20K points + 5x grocery stores for the first year on up to $12K in qualifying purchases FM Mini Review: Great for 5X and 3x categories and World Mastercard benefits. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Earning rate: 5x travel booked through Chase ⚬ 5X Lyft through March 2025 ⚬ 3x dining ⚬ 3x drugstores ⚬ 5X in rotating categories on up to $1,500 spend per quarter (Q3 2023: gas stations, EV charging and select live entertainment) Card Type: Mastercard World Noteworthy perks: Free DashPass for up to 3 months upon activation ⚬ Cell phone protection ⚬ Lyft credits ⚬ $10 quarterly Instacart credit ⚬ 3 months free Instacart+ ⚬ $10 monthly GoPuff credit (through 12/31/23) See also: Chase Ultimate Rewards Complete Guide |
20K points + 15 months 0% APR Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 20K points + 5x grocery stores for the first year on up to $12K in qualifying purchases FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Earning rate: 5x travel booked through Chase ⚬ 5X Lyft through March 2025 ⚬ 3x dining ⚬ 3x drugstores ⚬ 1.5X everywhere else Card Type: Visa Signature or Platinum Noteworthy perks: Free DashPass for up to 3 months upon activation ⚬ $10 quarterly Instacart credit ⚬ 3 months free Instacart+ ⚬ $10 monthly GoPuff credit (through 12/31/23) See also: Chase Ultimate Rewards Complete Guide |
60K points 60K after $4K spend in 3 months$95 Annual Fee A similar offer with the first year annual fee waived may be found in-branch. YMMV. FM Mini Review: Great signup bonus. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with fee-free Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited. Earning rate: 5X Travel booked through Chase (2X all other travel) ⚬ 3X Dining ⚬ 3X Select streaming services ⚬ 3X Online grocery ⚬ 5X Lyft (through March 2025) ⚬ 10% annual point bonus Card Type: Visa Signature Noteworthy perks: Primary auto rental collision damage waiver ⚬ Free DashPass through 2025 ⚬ Transfer points to airline & hotel partners ⚬ $50 annual credit for hotel stays booked through Chase ⚬ $15 quarterly Instacart credit ⚬ 6 months free Instacart+ ⚬ $10 monthly GoPuff credit (through 12/31/23) |
70K Points 70K after $4K spend in 3 months$550 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 12/1/22: 80K after $4K spend FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom Flex, no-fee Freedom Unlimited & no-fee Chase Ink Cash Earning rate: 10X hotels & car rentals booked through Chase ⚬ 10X Chase Dining ⚬ 5X flights booked through Chase ⚬ 3X Travel and Dining ⚬ 10X Lyft (through March 2025) Card Type: Visa Infinite Noteworthy perks: $300 Annual Travel Credit ⚬ Points worth 1.5 cents each towards travel ⚬ Transfer points to airline & hotel partners ⚬ Primary auto rental collision damage waiver ⚬ Priority Pass Select lounge access ⚬ $100 Global Entry fee credit ⚬ $5 monthly DoorDash in-app credit through December 2024 ⚬ Free DashPass through 2025 ⚬ Earn 10X on Lyft spend⚬ Free Lyft Pink All Access Memberhsip through December 2024 ⚬ $15 monthly Instacart credit ⚬ 12 months free Instacart+ ⚬ $10 monthly GoPuff credit (through 12/31/23) See also: Chase Ultimate Rewards Complete Guide |
Ultimate Rewards Business Cards
| Card Offer and Details |
|---|
100K points 100K after $8K spend in 3 months$95 Annual Fee Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement FM Mini Review: Great card for signup bonus and 3X categories. Also consider the fee-free Ink Business Cash for its 5X categories, and the fee-free Ink Business Unlimited to earn 1.5X everywhere. Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ⚬ 5X Lyft through March 2025 Card Type: Visa Signature Business Noteworthy perks: ⚬ Points worth 25% more when redeemed for travel ⚬ Transfer points to airline & hotel partners ⚬ Cell phone protection against theft or damage See also: Chase Ultimate Rewards Complete Guide |
90K points 90K after $6K spend in 3 monthsNo Annual Fee FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Earning rate: 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ⚬ 5X Lyft through March 2025 Card Type: Visa Signature Business See also: Chase Ultimate Rewards Complete Guide |
90K points 90K after $6K spend in 3 monthsNo Annual Fee Recent better offer: 90K after $6K in 3 months [Expired 3-20-23] FM Mini Review: Great signup bonus for a fee-free card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Earning rate: 1.5X on all purchases ⚬ 5X Lyft through through March 2025 Card Type: Visa Signature Business See also: Chase Ultimate Rewards Complete Guide |
If you use a referral link you get 80,000 points instead
I just product changed my Preferred (opened 09/20) to a Flex. Can I still get the Reserve?
[…] While free is better, getting more than 5,000 Ultimate Rewards points for $9.75 is still a big win considering that that points could get you a Category 1 Hyatt stay or could be used to pay yourself back for a grocery, home improvement, or dining purchase of $75.73 if you have the Chase Sapphire Reserve card. […]
Welcome bonus is 50k. Needs a correction 🙂
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[…] Altitude Reserve Card is US Bank’s challenge to the Chase Sapphire Reserve. The card is targeted at “people who live life on the go and want to be rewarded generously […]
[…] keep her most expensive cards, and in this post I’ll argue that she should add the $550 Chase Sapphire Reserve card to her […]
[…] credit cards offer extra points for spend within certain categories. Examples include the Chase Sapphire Reserve which offers 3X for travel & dining; Amex Gold which offers 4X for US restaurants and 4X for US […]
[…] a coveted 5/24 slot to long-time rewards enthusiasts. One could get a more valuable bonus with a Chase Sapphire Reserve or Chase Sapphire Preferred and later product change to a Freedom or Freedom Unlimited. […]
[…] to return the item and are also likely to have trouble doing so, then consider paying with the Chase Sapphire Reserve which offers up to $500 in return […]
[…] pricing from $1556 — or just over 105K Ultimate Rewards points round trip if you have the Chase Sapphire Reserve. This cheap pricing is valid during the fall and up through Christmas week and into early January […]
[…] portals, the cheapest flights can be booked from around 61K Ultimate Rewards round trip with the Chase Sapphire Reserve — and those flights should earn at least 10,000 Alaska Airlines miles (and in some cases a […]
[…] Here are enhancements to the Chase Sapphire Reserve card: […]
[…] Chase Sapphire Reserve: 5x […]
[…] Another argument against applying now is that you might get locked out of even better offers later. Many banks have time limits on how often you can apply for the same card or same family of cards. For example, with Chase, you have to wait 48 months from the date that you received a welcome bonus on either the Sapphire Preferred or Sapphire Reserve in order to sign up for either card again. So, if you sign up now for the Sapphire Preferred 60K offer, you’ll be out of luck if Chase later reintroduces their 100K offer for the Sapphire Reserve (the current offer is only 50K). […]
[…] have plenty of Hyatt points since they can transfer 1 to 1 from Chase points if they have the Chase Sapphire Reserve, Sapphire Preferred, Ink Plus, or Ink Business Preferred […]
[…] you have a Chase Sapphire Reserve card, keep in mind that Chase is offering a $60 statement credit this year (and another one next […]
[…] and his wife both had Chase Sapphire Reserve cards. That’s overkill in most instances. Since they are retired and are usually together […]
[…] US Bank real-time mobile rewards and would therefore likely also trigger travel credits on the Chase Sapphire Reserve or Citi Prestige […]
[…] agencies listed at Skyscanner or fly round trip on 50,316 Ultimate Rewards points if you have the Chase Sapphire Reserve. While this is a long ~15 hour flight, the nonstop service will certainly appeal to […]
[…] Previously it was a nearly useless $95 per year card. Now, at a $150 per year, it is a serious Chase Sapphire Reserve competitor with 3X rewards for travel and dining. This post has been updated since the Sapphire […]
[…] there are many great credit cards available, the Chase Sapphire Reserve card continues to be my single favorite travel rewards card. In my opinion it is ideal for those who […]
[…] agencies listed at Skyscanner or fly round trip on 50,316 Ultimate Rewards points if you have the Chase Sapphire Reserve. While this is a long ~15 hour flight, the nonstop service will certainly appeal to […]
[…] Chase Sapphire Reserve, or Ritz-Carlton […]
[…] cents each for travel booked through the Chase Ultimate Rewards portal. With the ultra-premium Sapphire Reserve card, though, points are worth 1.5 cents each for travel booked through […]
[…] the Chase Sapphire Reserve, meanwhile, points are worth 1.5 cents each towards travel booked through Chase. And you can […]
[…] know that when the Chase Sapphire Reserve debuted, we all got excited about the ability to redeem points for a value of 1.5 cents each […]
[…] Executive status via several credit cards like the various forms of the Amex Platinum card or the Chase Sapphire Reserve. That status often leads me to choose National when prices are close as booking the mid-size car […]
[…] Rewards to a partner to book business class to Europe (most charge 60-70K each way), those with the Chase Sapphire Reserve could potentially use a similar number of points round trip and earn miles and/or elite […]
[…] 1.5 Ultimate Rewards points per dollar for all spend. Pair either one with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, etc.) to transfer points to several airline or hotel […]
[…] per point in value towards flights with the Chase Sapphire Preferred or 1.5c per point with the Chase Sapphire Reserve. You could alternatively transfer Ultimate Rewards to Southwest Rapid Rewards and potentially get […]
[…] portals. For example, here’s a look at the price in terms of Ultimate Rewards if you have the Chase Sapphire Reserve and can use points at a value of 1.5c per […]
[…] used to buy paid travel at a value of 1.5c per point through the Ultimate Rewards portal with the Chase Sapphire Reserve. Many properties at 50K points per night or higher could likely be booked for fewer points via the […]
[…] option requires that someone in your household has the ultra-premium Chase Sapphire Reserve card. First move (combine) points from your Ink Cash card to the Sapphire Reserve account. Next, […]
[…] Sapphire Reserve […]
[…] points to the Chase Sapphire Reserve Card and purchase travel through the Chase Ultimate Rewards travel site (1.5 cents per point value). […]
[…] Delta and Virgin Australia have some great fares available for North American summer between New York and Melbourne, Australia, starting at $658 round trip. These fares are also available via major online travel agencies, so you can for example book through the Chase travel portal from just 45.5K round trip if you have the Chase Sapphire Reserve card. […]
[…] could alternatively be able to book for less than 27K Ultimate Rewards round trip if you have the Chase Sapphire Reserve card. Either is a great deal for travel to […]
[…] card portals, so you could book from just 16,649 Ultimate Rewards points round trip if you have the Chase Sapphire Reserve card. Dates vary by city, but start as soon as September 2019 and continue into January and […]
[…] struggling with the question of whether or not to say goodbye to my Sapphire Reserve card. Now that my Citi Prestige card offers 5X for dining, airfare, and travel agencies, the Sapphire […]
[…] directly through Delta. They are also available through the Chase Travel Portal, so those with the Chase Sapphire Reserve should be able to book the round trip journey for less than 59K Ultimate Rewards […]
[…] 31, 2018 when you pay via those apps with your Chase Freedom Unlimited, Chase Sapphire Preferred, Chase Sapphire Reserve, or Amazon Rewards or Amazon Prime cards. That is in addition to any category bonuses normally […]
[…] Chase Sapphire Reserve […]
[…] Chase Sapphire Reserve: 3X travel […]
[…] to book a paid ticket than an award, even if using credit card points. For example, if you have the Chase Sapphire Reserve card, you can book that nonstop United itinerary for just over 29K points round trip…..and […]
[…] looking at the 60K bonus as its $600 cash value or even $750 value when used towards travel with a Sapphire Reserve card, I think this bonus isn’t all that compelling. You could probably open two or three […]
[…] FREQUENT MILER SAPPHIRE RESERVE PAGE […]
[…] Chase Sapphire Reserve Card […]
[…] Chase Sapphire Reserve […]
[…] I mentally ran the numbers on $265, I realized that booking through the Chase travel portal with a Chase Sapphire Reserve would cost fewer points if the same rate were available. In fact, Chase’s rate is a bit […]
[…] people envisioned a card with a higher annual fee that seemed more in line with the benefits of the Chase Sapphire Reserve, Chase Ritz-Carlton, Amex Hilton Aspire, or the coming SPG Luxury card. This card isn’t […]
[…] 4.32% return on Marriott spend. That’s not bad. You could do better with a card like the the Chase Sapphire Reserve, which earns 3x on travel, since you could redeem those points at a value of 1.5 cents each through […]
[…] widely available via OTAs, you can also find them via the credit card travel portals. Those with a Chase Sapphire Reserve could pay less than 22,000 Ultimate Rewards round trip. That’s excellent as it beats what […]
[…] card for another year. I did this despite the fact that I have and plan to keep both the $450 Sapphire Reserve Visa Infinite card, and a $400 CNB Crystal Visa Infinite card. I keep the Sapphire Reserve card for its 3X rewards […]
[…] Chase Travel Portal (available from ~26K Ultimate Rewards round trip with the CSR) […]
[…] at least for restaurants and Chase cards. For example, when buying a restaurant gift card with a Chase Sapphire Reserve, people are reporting both receiving the United miles from the app and the 3x restaurant bonus on […]
[…] Chase Sapphire Reserve ($450/year less $300 travel rebate) 1X base, 3X travel & dining […]
[…] fact that I can also (currently) combine those Ultimate Rewards with a premium Chase card like the Sapphire Reserve to get 1.5 cents per point towards travel booked through the Ultimate Rewards portal or send them […]
[…] in your household or combine them with a joint business owner (e.g. from your Freedom to your Sapphire Reserve or from your partner’s Sapphire Preferred to your Ink Business Preferred, etc). We have […]
[…] Chase Sapphire Reserve: 3X Travel & Dining […]
[…] points to the Chase Sapphire Reserve Card and purchase travel through the Chase Ultimate Rewards travel site (1.5 cents per point value). […]
[…] Earns 1.5 Ultimate Rewards points per dollar for all spend. Pair with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, etc.) to transfer points to several airline or hotel […]
[…] my wife’s Chase Sapphire Reserve card, our Ultimate Rewards points can be used at a value of 1.5 cents per point towards travel […]
[…] than 1 cent per point value when redeeming points for travel. Popular cards that do this include Chase Sapphire Reserve (1.5 cents per point), Sapphire Preferred and Ink Business Preferred (1.25 cents per point), Citi […]
[…] there are many great credit cards available, the Chase Sapphire Reserve card continues to be my single favorite travel rewards card. In my opinion it is ideal for those who […]
[…] You can also find some of these flights via Chase Ultimate Rewards from 14,213 points round trip if you have the Chase Sapphire Reserve. […]
[…] Chase Sapphire Reserve […]
[…] Delta hubs to Hawaii for $374 round trip (or about 25,000 Ultimate Rewards points if you have the Chase Sapphire Reserve). In that post, I mentioned to be on the lookout for Delta to respond — and they have. […]
[…] Chase Sapphire Reserve (if you signed up before May 21 2017): $300 travel credit: All travel purchases count. This includes hotel charges, airline charges, trains, cruises, and much more. […]
[…] I could find the $428 price — bookable with 28,477 Ultimate Rewards points if you have a Chase Sapphire Reserve […]
[…] For those curious, I do see these flights through Ultimate Rewards. That means you could fly from San Francisco to New Zealand for just over 26K points round trip if you have the Chase Sapphire Reserve: […]
[…] Rewards, points are stored separately within each credit card account. If you have both a Sapphire Reserve card and a Freedom card, for example, you’ll accumulate points separately within each of the two […]
[…] #1: Chase Sapphire Reserve […]
[…] should put everyday spend on his SPG card or his Sapphire Reserve. I said SPG. Even though the Chase Sapphire Reserve Card earns 3X for travel and dining, it only earns 1 Ultimate Rewards point per dollar everywhere […]
[…] in Italy, I used Apple Pay for all purchases without a single issue. At restaurants I used my Sapphire Reserve card which earns 3X for dining and travel (and actually earns 4X via mobile payments through November […]
[…] Rewards at 1.5 cents each (the rate at which they can be redeemed for travel if you have the Chase Sapphire Reserve), the points are worth at least $31, but you may get quite a bit more value with transfer […]
[…] Air China has a terrific price going from New York to Melbourne, Australia next March and April — from just $666.36 available through Expedia (or about $648 through some other OTAs). This can also be booked through the Chase Travel Portal for as little as 44.5K points if you hold the Chase Sapphire Reserve. […]
[…] rather have 3 points per dollar on dining offered by the CSR or the Thank You Premier, but I know that many people would argue that cash is king. At 4% back on […]
[…] currently in an interesting place. When the Chase Sapphire Reserve came out last fall, I realized that I was only about a year from being under 5/24 if I continued to […]
[…] I do not see these flights available on Chase’s travel portal, meaning that Sapphire Reserve holders will not be able to get 1.5cpp on these […]
[…] Rewards at 1.5 cents each (the rate at which they can be redeemed for travel if you have the Chase Sapphire Reserve), the points are worth at least $31, but you may get quite a bit more value with transfer […]
[…] to be an ultra-premium card. Rumors were that it would compete in the $450 / $550 space with the Chase Sapphire Reserve, Amex Platinum, Citi Prestige, US Bank Altitude Reserve, etc. But… Either the rumors were […]
[…] a second Sapphire card. Previously it was possible to sign up for both the Sapphire Preferred and Sapphire Reserve cards in order to get both signup […]
[…] Chase Sapphire Reserve ($450 annual fee – $300 in annual travel credits): 3X travel & dining. Points worth 1.5 cents each towards travel. Primary auto rental collision damage waiver. Priority Pass Select lounge access. $100 Global Entry fee credit. […]
[…] the other day. Apparently BankAmericard is planning to release a premium card to compete with the Chase Sapphire Reserve. Here are the bits that he […]
[…] Chase Sapphire Reserve: 50K after $4K spend in 3 months […]
[…] you travel and eat out often, it’s hard to beat Chase Ultimate Rewards. The Sapphire Reserve Card offers 3X points for travel & dining. And the Freedom Unlimited card offers 1.5 points per […]
[…] following hyperlinks for more information about each card): The Sapphire family consists of the Sapphire Reserve, Sapphire Preferred, and Sapphire cards (the latter is no longer available to new applicants, but […]
[…] a nice bonus on airlines and/or offers the right travel protections for your trip. Cards like the Chase Sapphire Reserve, the Chase Ritz-Carlton card, and the Citi Prestige offer excellent trip delay/cancellation […]
[…] comes as no surprise to me that the restaurant section currently shows the Chase Sapphire Reserve Card at the top of the list with an estimated 5.46% rebate on dining. Somewhat surprising, though, is […]
[…] value to 1.54 cents per point. While that is still marginally better than using points with the Chase Sapphire Reserve or the forthcoming US Bank Altitude Reserve, those cards are much less restrictive in that you can […]
[…] the American Express Personal and Business Platinum cards haven’t done: kill the buzz on the Chase Sapphire Reserve. Unfortunately, I think the only thing the US Bank Altitude Reserve is going to kill is itself. […]
[…] in mind that many of these flights will show up through the Chase travel portal, where Chase Sapphire Reserve holders can redeem points for 1.5 cents per point towards airfare — making a round trip $400 […]
[…] for everything from selecting your seat to checked bags. However, those with a card like the Chase Sapphire Reserve or Chase Ritz-Carlton card could easily use their annual travel credits to cover those fees. Read […]
[…] you’re interested in applying for the Chase Sapphire Reserve card, or really any Chase card, what follows is a step by step guide designed to help ensure […]
[…] Chase Sapphire Reserve: 100K after $4K spend (in-branch only) […]
[…] we have seen some exciting 100,000 point sign up bonuses on cards like the Chase Sapphire Reserve and the Amex Business Platinum, there is one offer for “150,000 Bonus points” that is […]
[…] Chase Sapphire Reserve Card with a label that says “Travel, Dining. International“. This way she knows to use the card for all travel and dining purchases in order to get 3X rewards, and that it is OK to use internationally (no foreign transaction fees). […]
[…] since signing up for the Chase Sapphire Reserve card, I’ve planned to downgrade my Sapphire Preferred to a Freedom Unlimited card. The former […]
Sadly, I noticed today that the Chase Sapphire Reserve bonus was cut in half to 50,000 points. Apparently you can still get 100,000 in a branch through early March
I was putting off opening a card because I’m getting ready to apply for a mortgage and also because I wanted to have more time to redeem the $300 annual travel credit. Wondering if I should just bite the bullet and go ahead and open now before the great bonus is really gone.
Personally, I would go ahead and do it now. The in-branch offer will go away after March 12th and there’s no guarantee that it will ever return.
[…] Earns 1.5 Ultimate Rewards points per dollar for all spend. Pair with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, etc.) to transfer points to several airline or hotel […]
[…] offer for the Sapphire Reserve to drop to 50K today (January 12th 2017). At the moment, though, the online offer for the Sapphire Reserve is still 100K. Maybe it will change sometime later today, or not, I don’t know. But, this post […]
[…] Hyatt points: Points can be transferred from premium Chase Ultimate Rewards cards including Sapphire Reserve, Sapphire Preferred, and Ink Business Preferred. If you have points in a no-fee card, you can […]
[…] more cards in the past 24 months). First, Chase released two new and very attractive cards: the Sapphire Reserve card and the Ink Business Preferred card, Then, they promised to release more new cards. Soon […]
[…] The Chase Sapphire Reserve card has a lot going for it, not least of which is its awesome 100,000 point signup bonus. Soon, however, the bonus will be cut in half. As of January 12th for online applications and March 12th for in-branch applications, the Sapphire Reserve bonus will drop to 50,000 points after $4,000 spend. […]