Chase Ultimate Rewards

Chase Sapphire Reserve®

Name: Chase Sapphire Reserve®
Brand: Chase

Issued by Chase · $550/yr annual fee

Welcome bonus

60,000 points

After $4,000 spend in 3 months

Same offer structure as Preferred — upgrade path after holding Preferred 48 months.

Offer link coming soon

Key benefits

›$300 annual travel credit (applies to virtually any travel purchase)
›Priority Pass Select lounge access (unlimited visits + guests)
›Global Entry / TSA PreCheck credit ($100)
›1.5 cpp on Chase Travel redemptions
›Primary auto rental insurance
›Trip delay / cancellation / baggage insurance
›No foreign transaction fees

Earn rates

Travel (after $300 credit)	3×
Dining	3×
All else	1×

Why this card

Effective AF is $250 after the $300 travel credit. The Priority Pass + 1.5 cpp redemption rate make this the right upgrade once you're actively transferring points. Chase 5/24 rule applies — apply before opening other Chase cards.

Used in these itineraries

Tokyo in Polaris business + Park Hyatt for ~$50 cash
Five nights in Tokyo with United Polaris business round-trip and Park Hyatt on points. The Cosmopolitan play: one Chase UR balance feeding two transfer partners.

Related guides

Transferable Points 101: Why Chase UR, Amex MR, Citi TY, and Capital One Miles Beat Airline-Specific Cards
The single biggest mistake new points players make: collecting United miles on a United card instead of Chase points that can become United miles, or Hyatt nights, or Air Canada miles. Here's the playbook.

Want this card matched to your travel pattern automatically?

Get personalized recommendations