Your first $300 of travel purchases annually with the Chase Sapphire Reserve card will be refunded in the form of a statement credit, essentially giving you an extra $300 of travel rewards each year. Once you meet that limit, you’ll earn 3 Ultimate Rewards points for each $1 spent on travel-related purchases, including some you might not expect, such as bus fares, highway tolls, and parking fees. Through March 2022 you'll also earn 10 points per $1 spent on Lyft rides. If you're a rideshare fan, this offer is a great way to stack up extra points.

On an ongoing basis, you’ll also earn 3 points per $1 spent on dining purchases, which makes it even easier to earn rewards with this card than with other premium travel cards. All other purchases will earn 1 point per $1 spent.1

 There’s no limit on the number of points you can earn, and points never expire as long as your account remains open and in good standing.

You can also: 

Buy gift cards and experiences

Shop with points online



Annual fee


rewards earning rate

Earn 3x points on travel immediately after earning your $300 travel credit, 3X points on dining at restaurants, and 1 point per $1 spent on all other purchases.

Regular APR

16.99% - 23.99% variable APR

Purchase Rate

15.99% - 24.99% variable APR

Balance transfer fee


Foreign transaction fee



things you should know about this card:

Transferring Points

You may get even more value by transferring your points to the loyalty programs of one of 13 hotel and airline partners. Points with both Hyatt hotels and United Airlines, for instance, are worth more than 2 cents each, on average, according to our research. You can transfer your Ultimate Rewards points to any partner at an impressive 1:1 ratio (in 1,000-point increments).



How to Get the Most Out of This Card

Start by spending $300 on travel ASAP to use up the annual travel credit right away, as you won’t earn triple points on travel until that happens. Next, focus on reaching your $4,000 spending requirement within the first three months to get your bonus points. Those alone will make up for the $550 annual fee the first year. 

Then, redeem points for travel through the Ultimate Rewards portal or, even better, transfer them to partner airlines or hotels with high-value points.

Chase Sapphire Reserve’s Other Features 

Insurance for stolen or damaged purchases

Refund when merchant won’t accept returned item

Extended warranties


Customer Experience

In 2019 J.D. Power ranked Chase ranked No. 4 for customer satisfaction, scoring 807 on a 1,000-point scale.7

Chase Sapphire Reserve cardholders have several resources at their disposal that reinforce the high ranking. 

You can view your FICO Score online and on the Chase mobile app for free, at any time after a one-time enrollment. Track your credit health via Credit Journey, a credit dashboard that summarizes your credit report and credit score insights. 

Fees to Watch Out For

The Chase Sapphire Reserve has a standard lineup of fees, most of which won’t apply if you make on-time payments and only use the card for purchases. There’s no foreign transaction fee, which is great for travelers, but the card still touts a $550 annual fee. High annual fees are common among premium travel rewards cards, but still, be prepared to pay for the value you’re getting. You also have to pay a $75 annual fee for each authorized user.

Chase Sapphire Reserve Card Review

From exceptional To exceptional ( Credit Recommended Exceptional )

Chase Sapphire Reserve Card Review

If you have excellent credit and spend a lot of money on dining and travel, this credit card could be great for you. Once you’ve earned your travel credit, you’ll break even on the annual fee as long as you spend $16,667 per year (or about $1,389 a month) on any combo of travel and dining purchases, assuming you redeem your points for 1.5 cents each in the travel portal. That’s not hard for many people who travel frequently or with family.

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pros and cons

Extra points for travel and dining purchases: Very few travel cards attach the highest possible reward earning rates to both of these categories. Getting 3 points per $1 spent on dining expenses makes it easy to earn points while indulging during your travels and on dinners out when you’re home. Cardholders will also earn 10 points per $1 spent each Lyft ride through March 2022.1

Lots of purchase types that count as travel spending: Chase defines travel spending more broadly than many competitors. It includes everything from airlines and hotels to campgrounds and parking garages (more on that below). That makes it easier to earn rewards.2

Lucrative redemption options: You have two stellar choices: transferring to other eligible loyalty programs on a 1:1 basis and booking travel through the Ultimate Rewards portal at a good redemption rate.

Statement credits help make up the annual fee cost: You'll get a $300 travel credit each year, and you can also get up to $60 in statement credits in 2020 and 2021 for DoorDash food deliveries.

Big annual fee: As is with many premium rewards cards, the Chase Sapphire Reserve comes with a hefty annual fee: $550 for new cardholders. There are ways to offset it, but you’ll need to travel and dine out fairly frequently.

High APR: Because this card requires a large volume of spending to earn rewards, it’s important to note the high annual percentage rate (APR). If you don’t pay off your balance each month, you’re looking at an APR of 16.99-23.99%, based on your credit.


Annual Fee


Purchase APR


Foreign Transaction Fee

Cash Back


Credit Score


Men’s Wearhouse Perfect Fit Credit Card

The Men’s Wearhouse Perfect Fit Credit Card is both a credit card and a rewards card for frequent shoppers, but customers don’t have to have the Perfect Fit Rewards credit card to be part of the program.With the Rewards Program, users get certificates that are valid for a period of six months after they’re issued. For every $500 in purchases a member makes, they get a $50 rewards credit. This can save a lot of money for customers who often shop in this store.

Levin's Furniture Credit Card

Visiting top-performing stores and home furnishing retailers means you need to have your pocket be filled with cash. But with Levin Furniture Credit Card, you have a most preferred and hassle-free option to deal with payment problems. Levin Furniture Credit Card is offering 0% APR and also comes more additional advantages to best meet your requirements.

Midas Credit Card

So, this Midas store card is another credit card from Synchrony Bank. But is this credit card really worth getting it? At a first sight, this credit card doesn’t seem to offer any tangible benefits. Yet, let’s discover the details of this credit card in our Midas credit card review. Midas Credit Card is a store credit card issued by Synchrony Bank. If you're wondering whether Midas Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Kohl's Credit Card

The Kohl’s Credit Card, issued by Capital One, has “bargain shopper" written all over it. Fans of the department store can combine the card’s discount offers with rewards from Kohl’s other loyalty programs to maximize their savings throughout the year. And also, the Kohl’s Credit Card has relatively standard fees as store cards go, including a high APR.

BrandSource Credit Card

The BrandSource Credit Card is a Citi-provided credit card for financing purchases at BrandSource, a major retailer of appliances, electronics, and other home products with more than 4,500 locations nationwide. Cardholders also receive no-interest financing options and special offers and rebates.It requires a low credit rating and can be used at Brandsource stores.

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