{"id":5991,"date":"2025-06-24T16:10:01","date_gmt":"2025-06-24T16:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=5991"},"modified":"2026-04-30T19:27:00","modified_gmt":"2026-04-30T19:27:00","slug":"sapphire-reserve","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/","title":{"rendered":"Chase Sapphire Reserve\u00ae Review: A Newly Refreshed Premium Travel Card"},"content":{"rendered":"<p>The <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a>  (<a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=0a36f08ec1d2ff27f6595044b91bd64d5&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) has consistently ranked among the most rewarding credit cards available. When it first debuted in 2016, it set a new bar for premium card benefits, prompting many <a target=\"_blank\" href=\"\/credit-cards\/best-premium-travel-credit-card\/\" rel=\"noopener\">competitors to up their game<\/a>. With its latest refresh, the card remains a powerful contender, delivering an impressive array of valuable perks.<\/p>\n<p>The Sapphire Reserve is not for everyone, however. With an annual fee of $795, it only makes sense if you <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/is-the-chase-sapphire-reserve-worth-it\/\" rel=\"noopener\">understand and use the perks<\/a> &#8212; including unlimited <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-lounges\/\" rel=\"noopener\">lounge access<\/a>, best-in-class <a target=\"_blank\" href=\"\/credit-cards\/trip-cancellation-insurance\/\" rel=\"noopener\">travel insurance<\/a>, incredible earning rates, an <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve-travel-credit\/\" rel=\"noopener\">annual travel credit<\/a>, and various other credits. Let's look deeper at the Sapphire Reserve to help you decide if it's right for you.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048084\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" alt=\"Chase Sapphire Reserve\u00ae\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/565192b2-c5cc-4edc-89ae-b8bba7a63750.png\" width=\"150\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Reserve\u00ae' data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=0a36f08ec1d2ff27f6595044b91bd64d5&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$795<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Chase's flagship Ultimate Rewards card. You get a $300 travel credit, airport lounge access courtesy of a Priority Pass membership and industry-leading travel insurance benefits. New cardholders earn 150,000 bonus points bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/li><li>Get $3,000 in annual value with Sapphire Reserve.<\/li><li>Earn 8x points on all purchases through Chase Travel&#x2120;, including The Edit&#x2120; and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases<\/li><li>$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.<\/li><li>Access over 1,300 airport lounges worldwide with a complimentary Priority Pass&#x2122; Select membership, plus every Chase Sapphire Lounge&#xAE; by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck&#xAE; every 4 years<\/li><li>Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.<\/li><li>Count on Trip Cancellation\/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.<\/li><li>Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6\/22\/27 - a value of $288 annually<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>8x points on all purchases through Chase Travel\u2120<\/li>\r\n<li>4x points on flights and hotels booked directly<\/li>\r\n<li>3x points on dining worldwide<\/li>\r\n<li>1x points on all other purchases<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SapphireReserve\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-15b009cd64#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Chase_Sapphire_Reserve_Pros\">Chase Sapphire Reserve Pros<\/a><\/li><li><a href=\"#Chase_Sapphire_Reserve_Cons\">Chase Sapphire Reserve Cons<\/a><\/li><li><a href=\"#Chase_Sapphire_Reserve_Welcome_Bonus\">Chase Sapphire Reserve Welcome Bonus<\/a><\/li><li><a href=\"#Chase_Sapphire_Reserve_Benefits\">Chase Sapphire Reserve Benefits<\/a><ul><li><a href=\"#300_annual_travel_credit\">$300 annual travel credit<\/a><\/li><li><a href=\"#Lounge_access\">Lounge access<\/a><\/li><li><a href=\"#TSA_PreCheck_Global_Entry_or_NEXUS_statement_credit\">TSA PreCheck, Global Entry, or NEXUS statement credit<\/a><\/li><li><a href=\"#Visa_Infinite_benefits\">Visa Infinite benefits<\/a><\/li><li><a href=\"#Lifestyle_rewards\">Lifestyle rewards<\/a><\/li><li><a href=\"#Other_travel_benefits\">Other travel benefits<\/a><\/li><li><a href=\"#Premium_benefits_unlocked_with_75K_spend\">Premium benefits unlocked with $75K spend<\/a><\/li><\/ul><\/li><li><a href=\"#Chase_Sapphire_Reserve_Earning_Rates\">Chase Sapphire Reserve Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Points_With_the_Chase_Sapphire_Reserve\">Redeeming Points With the Chase Sapphire Reserve<\/a><ul><li><a href=\"#Transfer_your_points\">Transfer your points<\/a><\/li><li><a href=\"#Chase_Travel_portal\">Chase Travel\u2120 portal<\/a><\/li><li><a href=\"#Pay_Yourself_Back\">Pay Yourself Back<\/a><\/li><li><a href=\"#Statement_credit\">Statement credit<\/a><\/li><\/ul><\/li><li><a href=\"#Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/a><\/li><li><a href=\"#Cards_That_Compete_with_the_Chase_Sapphire_Reserve\">Cards That Compete with the Chase Sapphire Reserve<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Chase_Sapphire_Reserve_Pros\">Chase Sapphire Reserve Pros<\/span><\/h2>\n<ul>\n<li>Access to <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\" rel=\"noopener\">transfer partners<\/a> for outsized redemption value<\/li>\n<li>No foreign transaction fees<\/li>\n<li>Points are worth up to 2 times more when used in the Chase Travel\u2120 portal<\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/rental-car-liability-insurance\/\" rel=\"noopener\">Primary rental car coverage<\/a><\/li>\n<li>Comprehensive travel protections<\/li>\n<li>Various credits with a value totaling over $2,000 annually<\/li>\n<\/ul>\n<h2><span id=\"Chase_Sapphire_Reserve_Cons\">Chase Sapphire Reserve Cons<\/span><\/h2>\n<ul>\n<li>$795 annual fee<\/li>\n<li>$195 annual fee per authorized user<\/li>\n<li>The extensive list of &#8220;coupon&#8221; credits can make maximizing value challenging without careful tracking.<\/li>\n<\/ul>\n<h2><span id=\"Chase_Sapphire_Reserve_Welcome_Bonus\">Chase Sapphire Reserve Welcome Bonus<\/span><\/h2>\n<p>As an approved applicant for the card, you will earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/p>\n<p>Chase is phasing in a <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/points-boost\/\" rel=\"noopener\">new Points Boost program<\/a> through which <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a> cardholders can redeem points for 1 cent each in the Chase Travel\u2120 portal, or 2 cents each on select flights and hotels in the portal. This means that redeeming your points in the portal makes your bonus worth between $1,000 and $2,000.<\/p>\n<p>However, <a target=\"_blank\" href=\"\/point-mile-values\/Chase\" rel=\"noopener\">based on recent AwardWallet user redemptions<\/a>, each Chase Ultimate Rewards point is worth 2.01\u00a2 on average. That makes this bonus worth around $3,000 through <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\" rel=\"noopener\">transfer partners<\/a>. More on that option below.<\/p>\n<figure id=\"attachment_125533\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-125533 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Ishan-seefromthesky-Unsplash-man-in-luxury-hotel-featured-300x240.png\" alt=\"a man in a bathroom looks out the window of his luxury hotel room\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Ishan-seefromthesky-Unsplash-man-in-luxury-hotel-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Ishan-seefromthesky-Unsplash-man-in-luxury-hotel-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Ishan-seefromthesky-Unsplash-man-in-luxury-hotel-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Ishan-seefromthesky-Unsplash-man-in-luxury-hotel-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Ishan\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Chase_Sapphire_Reserve_Benefits\">Chase Sapphire Reserve Benefits<\/span><\/h2>\n<p>The <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a> is a feature-rich card that should make you consider whether your current go-to card is the most rewarding. Here are the standout benefits cardholders can enjoy.<\/p>\n<h3><span id=\"300_annual_travel_credit\">$300 annual travel credit<\/span><\/h3>\n<p>While this isn't free money, it can almost be considered such. The <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a> carries a $795 annual fee, but the <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve-travel-credit\/\" rel=\"noopener\">$300 travel credit<\/a> helps offset a significant portion of that cost. This $300 credit can be used to cover most travel expenses, including the cost of airfare. If you're spending more than $300 per year on travel &#8212; which you should be if you're considering this card &#8212; this is an excellent way to help offset the annual fee.<\/p>\n<p>How do you use the credit? Simply pay for a qualifying travel expense, such as a plane ticket, subway ride, or hotel stay, using your Sapphire Reserve, and you'll receive a statement credit of up to $300 per cardmember year. It's that simple.<\/p>\n<p>Keep in mind that this benefit refreshes each cardmember year, not calendar year. It applies automatically to the first $300 of eligible expenses, whether that's one big purchase or multiple small purchases. Unfortunately, the bonus category earnings on travel \u2014 discussed below \u2014 don't apply to purchases covered by the travel credit. Those earnings will occur once you've used up your travel credit.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve-travel-credit\/\" rel=\"noopener\">How To Use the Chase Sapphire Reserve<sup>\u00ae<\/sup> $300 Travel Credit<\/a><\/strong><\/p>\n<h3><span id=\"Lounge_access\">Lounge access<\/span><\/h3>\n<p>Lounge access is provided through a complimentary <a target=\"_blank\" href=\"\/travel\/priority-pass-lounges-guide\/\" rel=\"noopener\">Priority Pass Select membership<\/a>. This membership gives you access to 1,300+ lounges worldwide. You are not required to fly any particular airline to gain access to Priority Pass lounges. Instead, show your same-day boarding pass and Priority Pass card to get in.<\/p>\n<p>Authorized users can also use their card to sign up for an additional Priority Pass membership. Just remember that it costs $195 for each authorized user. Priority Pass members can bring up to two guests for free.<\/p>\n<p>You'll also have access to <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-lounges\/\" rel=\"noopener\">Chase Sapphire Lounges<\/a>, currently located in 6 US airports, with 3 more future locations announced.<\/p>\n<figure id=\"attachment_105644\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-105644 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/Chase-Lounge-Boston-lounge-room-featured.jpeg\" alt=\"inside the Chase Sapphire Lounge in Boston\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/Chase-Lounge-Boston-lounge-room-featured.jpeg 1500w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/Chase-Lounge-Boston-lounge-room-featured-300x240.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/Chase-Lounge-Boston-lounge-room-featured-1024x819.jpeg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/Chase-Lounge-Boston-lounge-room-featured-768x614.jpeg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/Chase-Lounge-Boston-lounge-room-featured-325x260.jpeg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>The Chase Sapphire Lounge in Boston. Credit: Carissa Rawson\/AwardWallet<\/em><\/enter><\/figure>\n<h3><span id=\"TSA_PreCheck_Global_Entry_or_NEXUS_statement_credit\">TSA PreCheck, Global Entry, or NEXUS statement credit<\/span><\/h3>\n<p>This benefit has become a standard across high-end travel rewards cards, but it still has tangible value. Use your card to pay the application fee for either <a target=\"_blank\" href=\"\/airlines\/expedited-airport-security-programs\/\" rel=\"noopener\">TSA PreCheck or Global Entry<\/a>, and you will be reimbursed with a statement credit that covers the cost. Remember, Global Entry members also receive the benefits associated with TSA PreCheck. So, if you travel internationally a few times each year, Global Entry may be the wiser choice.<\/p>\n<p>Additionally, if you're current on your TSA PreCheck or Global Entry membership, you can pay for someone else's application fee and be reimbursed. The name on the application doesn't have to match the cardholder's name, so this is an excellent way to help out a spouse, family member, or friend!<\/p>\n<p>Another option is the cross-border program NEXUS, which can be a good option if you travel frequently between the U.S. and Canada. Certain <a target=\"_blank\" href=\"\/credit-cards\/chase-nexus-fee-credit\/\" rel=\"noopener\">Chase credit cards can cover your application fee for NEXUS<\/a>, including the Sapphire Reserve.<\/p>\n<h3><span id=\"Visa_Infinite_benefits\">Visa Infinite benefits<\/span><\/h3>\n<p>Perhaps the most underrated benefit of any credit card, <a target=\"_blank\" href=\"\/credit-cards\/visa-infinite-benefits\/\" rel=\"noopener\">Visa Infinite benefits<\/a> can save you thousands of dollars through insurance protections. Coverage includes <a target=\"_blank\" href=\"\/credit-cards\/rental-car-liability-insurance\/\" rel=\"noopener\">primary rental car protection<\/a>, purchase protection, trip delay protection, baggage delay protection, and several different types of travel insurance. Check out our article <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred-vs-reserve\/\" rel=\"noopener\">comparing\u00a0<\/a><a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred-vs-reserve\/\" rel=\"noopener\">the benefits of the Sapphire cards<\/a> to learn more.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-travel-insurance\/\" rel=\"noopener\">Chase Improves Travel and Protection Benefits<\/a><\/strong><\/p>\n<h3><span id=\"Lifestyle_rewards\">Lifestyle rewards<\/span><\/h3>\n<p>Cardholders will receive the following credits when they use their <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a>:<\/p>\n<ul>\n<li>$288 annual value through complimentary subscriptions to Apple TV+ and Apple Music<\/li>\n<li>$300 annual StubHub credit on concert and event tickets<\/li>\n<li>$120 in annual Lyft in-app credits, up to $10 monthly, plus 5x total points on eligible Lyft rides<\/li>\n<li>$300 annually in monthly DoorDash promos and a complimentary DashPass membership worth $120 annually<\/li>\n<li>$300 annual dining credit at Sapphire Reserve Exclusive Tables, available for booking on OpenTable.<\/li>\n<li>Up to $120 in Peloton statement credits, annually.<\/li>\n<\/ul>\n<h3><span id=\"Other_travel_benefits\">Other travel benefits<\/span><\/h3>\n<p>In addition to the travel perks available, <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a> will now also receive:<\/p>\n<ul>\n<li>Complimentary <a target=\"_blank\" href=\"\/hotels\/ihg-one-rewards\/ihg-platinum-elite\/\" rel=\"noopener\">IHG One Rewards Platinum Elite status<\/a><\/li>\n<li>A $500 annual credit when booking hotels and resorts through Chase's <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/the-edit-by-chase-travel\/\" rel=\"noopener\">The Edit<\/a> collection.<\/li>\n<\/ul>\n<h3><span id=\"Premium_benefits_unlocked_with_75K_spend\">Premium benefits unlocked with $75K spend<\/span><\/h3>\n<p>After spending $75,000 on the <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a> card in a calendar year, cardmembers unlock more perks:<\/p>\n<ul>\n<li><a target=\"_blank\" href=\"\/hotels\/ihg-one-rewards\/ihg-elite-status\/\" rel=\"noopener\">IHG One Rewards Diamond Elite<\/a> status<\/li>\n<li><a target=\"_blank\" href=\"\/airlines\/southwest-rapid-rewards\/a-list-elite-status\/\" rel=\"noopener\">Southwest Airlines A-list<\/a> status\u00a0and a $500 Southwest Airlines credit (when booked through the Chase portal)<\/li>\n<li>$250 credit to The Shops at Chase, an online shopping portal<\/li>\n<\/ul>\n<figure id=\"attachment_90122\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/400\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-90122 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/12\/190214LAS_stock-WEB048-1200x800-1.jpg\" alt=\"One of the best benefits offered by any airline is the Southwest Airlines Companion Pass. Image is of Southwest Airlines Boeing 737 taxing at Las Vegas International Airport.\" width=\"600\" height=\"400\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/12\/190214LAS_stock-WEB048-1200x800-1.jpg 1200w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/12\/190214LAS_stock-WEB048-1200x800-1-300x200.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/12\/190214LAS_stock-WEB048-1200x800-1-1024x683.jpg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/12\/190214LAS_stock-WEB048-1200x800-1-768x512.jpg 768w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>(Image courtesy of Southwest Airlines)<\/em><\/enter><\/figure>\n<h2><span id=\"Chase_Sapphire_Reserve_Earning_Rates\">Chase Sapphire Reserve Earning Rates<\/span><\/h2>\n<p>There are a handful of elevated categories when you spend with your <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a>, although the biggest earnings come from spending in the Chase Travel\u2120 portal.<\/p>\n<ul>\r\n<li>8x points on all purchases through Chase Travel\u2120<\/li>\r\n<li>4x points on flights and hotels booked directly<\/li>\r\n<li>3x points on dining worldwide<\/li>\r\n<li>1x points on all other purchases<\/li><\/ul>\n<p>Plus, through <strong>December 31, 2027<\/strong>, you can <a target=\"_blank\" href=\"\/news\/credit-cards\/chase-sapphire-peloton\/\" rel=\"noopener\">earn 10x points on certain Peloton equipment purchases<\/a> \u2014 up to a maximum of 50,000 points.<\/p>\n<h2><span id=\"Redeeming_Points_With_the_Chase_Sapphire_Reserve\">Redeeming Points With the Chase Sapphire Reserve<\/span><\/h2>\n<h3><span id=\"Transfer_your_points\">Transfer your points<\/span><\/h3>\n<p>The <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a> shines when it comes to <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/best-way-to-use-chase-points\/\" rel=\"noopener\">redeeming Ultimate Rewards<\/a>. First, you have access to all of Chase's <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\" rel=\"noopener\">14 airline and hotel transfer partners<\/a>. Transferring your points is the easiest way to get the most value from them. When you <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/how-to-transfer-chase-points\/\" rel=\"noopener\">move your points from Chase to one of these partners to book award travel<\/a>, you can get double or triple the value offered with other redemption options.<\/p>\n<p>Transfer partners include:<\/p>\n<div class=\"transfer-times\"><div class=\"tt-row\"><div class=\"tt-head tt-from\">From<\/div><div class=\"tt-head tt-to\">To<\/div><div class=\"tt-head tt-ratio\">Transfer Ratio<\/div><div class=\"tt-head tt-mintransfer\">Min.Transfer<\/div><div class=\"tt-head tt-avg\">Average Time<\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Aer Lingus (AerClub)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Air Canada (Aeroplan)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">47 minutes<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/flying-blue-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Air France (Flying Blue)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,200<div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/chase-ultimate-rewards\/flying-blue-transfer-bonus\/\">20% transfer bonus through May 27, 2026<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/airlines\/british-airways-club\/british-airways-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">British Airways (Club)<\/a><div class=\"tt-to-region\">United States<\/div><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1:1<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Emirates (Skywards & Business Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\"><div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/chase-ultimate-rewards\/emirates-partnership\/\">Emirates dropped as a Chase transfer partner on October 16, 2025<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Hyatt (World of Hyatt)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Iberia Plus<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>IHG Hotels & Resorts (One Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">5 hours<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>JetBlue Airways (TrueBlue)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/flying-blue-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">KLM (Flying Blue)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,200<div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/chase-ultimate-rewards\/flying-blue-transfer-bonus\/\">20% transfer bonus through May 27, 2026<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/hotels\/marriott-bonvoy\/marriott-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Marriott (Bonvoy)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,550<div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/chase-ultimate-rewards\/marriott-transfer-bonus\/\">55% transfer bonus through June 30, 2026<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">2 days<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Singapore Airlines (KrisFlyer)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">1 day<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Southwest Airlines (Rapid Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,250<div class=\"tt-bonus\"><a href=\"https:\/\/awardwallet.com\/news\/chase-ultimate-rewards\/southwest-transfer-bonus\/\">30% transfer bonus through June 5, 2026.<\/a><\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>United Airlines (Mileage Plus)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Virgin Atlantic (Flying Club)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Wyndham Rewards<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><\/div>\n<h3><span id=\"Chase_Travel_portal\">Chase Travel\u2120 portal<\/span><\/h3>\n<p>In the past, <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a> cardholders could redeem points at 1.5 cents each on all travel booked through the Chase Travel portal. However, with Chase\u2019s new Points Boost program, that standard rate is being replaced. Now, only select hotel and flight bookings will qualify for enhanced redemptions worth up to 2 cents per point. For all other travel purchases, points will be redeemable at a flat 1 cent per point.<\/p>\n<p>There is a transition period in place. Cardholders who applied for the Sapphire Reserve before June 23, 2025, can continue redeeming points earned before October 26, 2025, at the original 1.5x rate on Chase Travel until October 26, 2027. During this time, Chase will automatically apply whichever rate provides the better value, either Points Boost or the legacy 1.5 cents.<\/p>\n<h3><span id=\"Pay_Yourself_Back\">Pay Yourself Back<\/span><\/h3>\n<p>Another way to redeem Ultimate Rewards is to use them to Pay Yourself Back. This feature is helpful when you want to use your Ultimate Rewards for purchases you've already made. Initially, this feature offered extra value because you could redeem your points at 1.25 or 1.5 cents per point. However, the redemptions frequently change and have since lost some of their value.<\/p>\n<p>For further details, see\u00a0our <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-pay-yourself-back\/\" rel=\"noopener\">complete guide to\u00a0Pay Yourself Back<\/a>, which includes\u00a0current categories and their end dates.<\/p>\n<figure id=\"attachment_176193\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-176193 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Christiann-Koepke-Cafe-Bar-featured-Unsplash.png\" alt=\"Woman paying digitally at a juice bar counter.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Christiann-Koepke-Cafe-Bar-featured-Unsplash.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Christiann-Koepke-Cafe-Bar-featured-Unsplash-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Christiann-Koepke-Cafe-Bar-featured-Unsplash-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Christiann-Koepke-Cafe-Bar-featured-Unsplash-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Christiann Koepke\/Unsplash<\/em><\/enter><\/figure>\n<h3><span id=\"Statement_credit\">Statement credit<\/span><\/h3>\n<p>Finally, you can redeem your points for one cent apiece as a statement credit. In this case, you're not getting the most value from your points. However, it can be a helpful way to offset costs that wouldn't be covered otherwise.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/best-way-to-use-chase-points\/\" rel=\"noopener\">22 Different Ways To Redeem Ultimate Rewards<\/a><\/strong><\/p>\n<h2><span id=\"Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/span><\/h2>\n<p>There are a few things to be aware of when applying for the <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a>:<\/p>\n<ul>\n<li><strong>You cannot have held this card before.<\/strong> This is a big new restriction that Chase added with its overhaul of this card. Previous <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a> cardholders aren't eligible to earn the welcome bonus on this card.<\/li>\n<li><strong>You cannot have opened five or more personal cards in the last 24 months. <\/strong>Chase's <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">infamous 5\/24 rule<\/a> is important to consider when applying for a new card. This rule states that you will not be approved for a new Chase card if you've opened five or more cards from <em>any bank<\/em> in the last 24 months.<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-credit-card-strategy\/\" rel=\"noopener\">Why Starting With Chase Cards Matters if You\u2019re Under 5\/24<\/a><\/strong><\/p>\n<h2><span id=\"Cards_That_Compete_with_the_Chase_Sapphire_Reserve\">Cards That Compete with the Chase Sapphire Reserve<\/span><\/h2>\n<p>Before you settle on one card, it's helpful to compare additional options. Here are some of the top cards that compete with the <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a>:<\/p>\n<ul>\n<li><strong>If you want a premium card with great benefits but a lower annual fee<\/strong>, check out the <a data-ccid=\"4048272\" href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Capital One Venture X Rewards Credit Card<\/a>. This premium card offers many of the same benefits like lounge access, a $300 travel credit, elevated earning potential with Capital One Travel, travel insurance, purchase protections, and more, but has a much smaller $395 annual fee. See <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/venture-x\/\" rel=\"noopener\">our full review Capital One Venture X<\/a> for more details.<\/li>\n<li><strong>If you want a premium card with even more benefits<\/strong>, <a data-ccid=\"4028089\" href=\"\/blog\/link\/CR-ThePlatinumCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">American Express Platinum Card<sup>\u00ae<\/sup><\/a> may be for you. The Platinum Card<sup>\u00ae<\/sup> card comes with some of the same benefits as the Sapphire Reserve but also a few extras. It includes up to a $200 airline incidentals credit, up to a $600 hotel credit (The Hotel Collection requires a minimum two-night stay), additional lounge access (including Centurion Lounges and select Lufthansa lounges), <span style=\"font-weight: 400;\">Hilton Honors\u2122 Gold Status <\/span>and <span style=\"font-weight: 400;\">Marriott Bonvoy<\/span><span style=\"font-weight: 400;\">\u00ae<\/span> Gold status, up to $209 CLEAR+ membership reimbursement, and more. For comparison, the annual fee on this card is $895  (<a data-ccid=\"4028089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). See our <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-platinum\/\" rel=\"noopener\">full Platinum Card<sup>\u00ae<\/sup> review<\/a> for more information. <em>Enrollment is required for select Amex benefits.<\/em><\/li>\n<li><strong>If you want a card that earns Ultimate Rewards with a lower annual fee<\/strong>, consider the <a data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" rel=\"noopener nofollow sponsored\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a>  (<a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=0564088f09f2350fe72b304252fe09e87&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). The little sibling of the Sapphire Reserve has some overlapping benefits. The Sapphire Preferred has a smaller $95 annual fee but still includes benefits like access to transfer partners, elevated redemptions in the Chase Travel portal, primary rental car coverage, purchase and travel protections, and more. <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\" rel=\"noopener\">Our Sapphire Preferred review<\/a> has additional details.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-chase\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/11\/CardArt-CapitalOneVentureXRewardsCreditCard.png\" width=\"150\" alt=\"Capital One Venture X Rewards Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Venture X Rewards Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"4048272\" data-exit=\"ccw\" class=\"btn-use qs-how-apply\" title='Capital One Venture X Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$395<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>10X miles per $1 on hotels and rental cars booked via Capital One Travel<\/li>\r\n<li>5X miles per $1 on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles per $1 on flights when booking via Capital One Travel<\/li>\r\n<li>5X miles per $1 on vacation rentals booked via Capital One Travel<\/li>\r\n<li>2X miles per $1 on all other eligible purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/e6901d88-1a35-4373-b3e1-9a2a445490a0.png\" width=\"150\" alt=\"American Express Platinum Card\u00ae\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">American Express Platinum Card<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='American Express Platinum Card\u00ae' data-ccid=\"4028089\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-ThePlatinumCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$895<span class=\"compare-terms\"><a data-ccid=\"4028089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5X points for flights booked directly with airlines or with American Express Travel<sup>\u00ae<\/sup> (up to $500,000 in purchases per calendar year).<\/li>\r\n<li>Earn 5X points on prepaid hotels booked with American Express Travel<sup>\u00ae<\/sup>.<\/li>\r\n<li>Earn  5X points on Fine Hotels + Resorts<sup>\u00ae<\/sup> and The Hotel Collection bookings.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7e0262fd-5b61-413b-8b01-c8feec5b1d04.png\" alt=\"Chase Sapphire Preferred\u00ae Card\" width=\"150\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Preferred\u00ae Card' data-ccid=\"2061159\" data-exit=\"ccw\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=0564088f09f2350fe72b304252fe09e87&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5X points on Lyft rides through September 2027<\/li>\r\n<li>5X points on travel purchased through Chase Travel\u2120<\/li>\r\n<li>3X points on dining at restaurants worldwide<\/li>\r\n<li>3X points on eligible streaming services<\/li>\r\n<li>3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)<\/li>\r\n<li>2X points on all other travel<\/li>\r\n<li>1X point per dollar spent on all other purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-premium-travel-credit-card\/\" rel=\"noopener\">Comparison of Premium Travel Rewards Credit Cards<\/a><br \/>\n<\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a> and its benefits speak for themselves. The card has a fantastic sign-up bonus, great earning potential, highly flexible rewards, complimentary lounge access, and many other benefits through the Visa Infinite program. This card checks all the boxes for what makes a great travel rewards credit card.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048084\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" alt=\"Chase Sapphire Reserve\u00ae\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/565192b2-c5cc-4edc-89ae-b8bba7a63750.png\" width=\"150\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Reserve\u00ae' data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=0a36f08ec1d2ff27f6595044b91bd64d5&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$795<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Chase's flagship Ultimate Rewards card. You get a $300 travel credit, airport lounge access courtesy of a Priority Pass membership and industry-leading travel insurance benefits. New cardholders earn 150,000 bonus points bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/li><li>Get $3,000 in annual value with Sapphire Reserve.<\/li><li>Earn 8x points on all purchases through Chase Travel&#x2120;, including The Edit&#x2120; and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases<\/li><li>$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.<\/li><li>Access over 1,300 airport lounges worldwide with a complimentary Priority Pass&#x2122; Select membership, plus every Chase Sapphire Lounge&#xAE; by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck&#xAE; every 4 years<\/li><li>Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.<\/li><li>Count on Trip Cancellation\/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.<\/li><li>Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6\/22\/27 - a value of $288 annually<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>8x points on all purchases through Chase Travel\u2120<\/li>\r\n<li>4x points on flights and hotels booked directly<\/li>\r\n<li>3x points on dining worldwide<\/li>\r\n<li>1x points on all other purchases<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SapphireReserve\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-15b009cd64#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Chase Sapphire Reserve\u00ae is Chase&#8217;s premium Ultimate Rewards-earning travel rewards card. You&#8217;ll pay a hefty annual fee to keep this card, but its benefits can easily be worth the fee. Here&#8217;s a look at the numerous features built into this card.<\/p>\n","protected":false},"author":70,"featured_media":214008,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,12786,12709],"coauthors":[36392,36466],"class_list":["post-5991","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-chase","tag-chase-ultimate-rewards"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/5991","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/70"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=5991"}],"version-history":[{"count":130,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/5991\/revisions"}],"predecessor-version":[{"id":260770,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/5991\/revisions\/260770"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/214008"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=5991"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=5991"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=5991"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=5991"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}