Our take

Chase Sapphire Reserve℠ is a premium credit card that provides you with extremely lucrative rewards. With $450 annual fee, this card is quite expensive to maintain, but if you obtain it, you get an access to luxury services and a great bonus and rewards program, which are especially worthwhile for travelers.

Details
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • 3X Points on travel and dining at restaurants - from airfare and hotels to fine dining and cafés, and 1 point per dollar on all other purchases.
  • Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year.
  • No Foreign transaction fees.
  • Get 50% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel.
  • No Blackout Dates or Travel Restrictions.
  • Premium travel benefits.
  • Travel & purchase coverage.
Pros
50,000 bonus points
$300 Annual Travel Credit
High rewards rate
No Foreign transaction fees
50% more in travel redemption
Cons
Excellent credit needed
Has annual fee
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Bonus offer
Bonus value
$1050
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
This product is available to you if you don't have this card and have not received a new cardmember bonus for this card in the past 24 months.
Rewards
Dining
3 points / $1
Travel
3 points / $1
Other
1 point / $1
Balance transfer offer
Balance transfer regular apr
17.99-24.99%
variable
Balance transfer fee
5%
min $5
Rates and fees
Purchase regular apr
17.99-24.99%
variable
Cash advance apr
26.99%
variable
Regular annual fee
$450
Cash advance fee
5%
min $10
Foreign transaction fee
0%
Late payment fee
up to $38
Return payment fee
up to $38

The advanced Chase Sapphire Reserve℠ credit card comes with an enticing 50,000-point signup bonus on one hand and a hefty $450 annual fee on the other hand. Is it worth applying for this premium travel card? We say yes, if you will put all its benefits to use. And it’s an unprecedented case when benefits outweigh downsides by several times. When used regularly, Chase Sapphire Reserve℠ may become two-thirds cheaper and contribute to your traveling in many respects.

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