Chase Sapphire Reserve
Powerhouse travel card if you actually redeem the credits — otherwise you are paying nearly $800 for a nice metal card.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Annual fee: $0
- Purchase APR: 22.49%–29.49%
FairPrice score: 82/100
Rewards
3x on dining and travel, $300 annual travel credit, Priority Pass lounge access, 50% points bonus in Chase Travel.
Perks
- $300 annual travel credit
- Priority Pass Select lounge access
- Global Entry / TSA PreCheck credit
- No foreign transaction fees
- Trip cancellation insurance
- Primary auto rental collision damage waiver
Pros
- Highest transferable-points value in the Chase ecosystem
- Elite travel protections
- Real lounge access
Cons
- $795 annual fee is steep
- Only worth it if you actually use travel credits
- Priority Pass restaurant benefit was cut back
Best for
- travel
- premium
- points enthusiasts
- lounge access
Official source · Last verified 2026-10-04