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.
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.
Cost
Annual Fee
$550
Purchase APR
None
Foreign Transaction Fee
Cash Back
None
Credit Score
Exceptional
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