Cards
Points & MilesChase
Chase Sapphire Reserve (CSR)
Key facts
Annual fee$795/yr
Rewards currencyUltimate Rewards (UR)
Recommended creditFair – Good (680+)
Transfer partnersYes
Global Entry / TSA PreCheckCredit included
Current sign-up bonus
100,000 bonus points after spending $6,000 on purchases in the first 3 months
Reward rates
8x on all Purchases via Chase Travel (including The Edit)
4x on flights booked directly with Airlines
4x on Hotels Booked Directly with Hotel Chains
3x on dining, delivery services, and takeout
1x on everything else
Annual credits
travel$300
DoorDash$120
Lyft$120
Effective annual cost$255/yr
Travel benefits
Emergency Evacuation
Up to $100,000 for emergency evacuation and transportation medical services when injured or ill 100+ miles from home. Includes emergency medical/dental coverage up to $2,500 (subject to $50 deductible) when 100+ miles from home.
Travel Accident Insurance
Up to $1,000,000 accidental death or dismemberment on common carrier (air, bus, train, cruise) when transportation is paid with the card.
Baggage Delay
Up to $100 per day for up to 5 days for essential item purchases when baggage is delayed 6 or more hours. Trip must be paid with the card.
Trip Delay
Up to $500 per covered traveler for unreimbursed eligible expenses (meals, lodging, etc.) when a common carrier delay exceeds 6 hours or requires an overnight stay. Trip must be paid with the card.
Trip Cancellation / Interruption
Up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses when trip is canceled or cut short due to sickness, severe weather, or other covered situations. Trip must be paid with the card.
Lounge Access
Priority Pass Select membership — unlimited access to 1,300+ airport lounges worldwide. Primary cardholder may bring up to 2 guests complimentary; additional guests charged $27/each. Authorized users also receive Priority Pass with up to 2 guests. Complimentary access to Chase Sapphire Lounges by The Club (select airports) with up to 2 guests. Select Air Canada Maple Leaf Lounge access with eligible boarding pass.
Purchase protections
Cell Phone Protection
None — the Chase Sapphire Reserve does not include cell phone protection.
Return Protection
Up to $500 per item, up to $1,000 per 12-month period. Reimburses for undamaged, working items purchased with the card that cannot be returned to the merchant within 90 days of purchase.
Extended Warranty
Extends the original U.S. manufacturer's warranty by 1 additional year on eligible warranties of 3 years or less (up to 4 years total from purchase date).
Purchase Protection
Covers eligible new purchases for 120 days from date of purchase against damage or theft. Up to $10,000 per item. New York residents: 90-day coverage window.
Other benefits
Annual Credits
$500 Southwest Airlines Travel Credit: up to $500, resets Annual.
Authorized User Fee
$195 per authorized user annually.
Foreign Transaction Fee
None — no foreign transaction fees.
Secondary Rental Car
None — coverage is primary (not secondary) for most cardholders. New York residents receive secondary coverage inside the U.S. only.
Primary Rental Car
Primary collision damage waiver coverage — reimbursement up to $75,000 for theft and collision damage for most rental vehicles. Must decline rental company's collision insurance and charge entire rental cost to the card. Note: New York residents receive secondary coverage inside the U.S.
Lost / Stolen Baggage
Up to $3,000 per covered traveler for repair or replacement of checked or carry-on baggage that is lost, damaged, or stolen. New York residents: additionally limited to $2,000 per bag and $10,000 per trip for all covered travelers. Trip must be paid with the card.
Transfer Partners
All at 1:1 ratio. Airlines: Aer Lingus AerClub, Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Executive Club, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club. Hotels: IHG One Rewards (1:1), Marriott Bonvoy (1:1), World of Hyatt (1:1 — Reserve maintains full 1:1 ratio to Hyatt, unlike Sapphire Preferred which is now 4:3), Wyndham Rewards (1:1). Minimum transfer: 1,000 points.
Welcome Bonus
100,000 Ultimate Rewards points after spending $6,000 on purchases in the first 3 months from account opening (valued at approximately $2,000 for select flights/hotels through Chase Travel).
Earn Rates
8x points on all purchases through Chase Travel (including The Edit hotel collection); 4x on flights booked directly with airlines; 4x on hotels booked directly; 5x on Lyft rides (through 9/30/2027); 10x on eligible Peloton equipment/accessories over $150 (through 12/31/2027); 3x on dining worldwide (including takeout and eligible delivery); 1x on all other purchases. Spending $75,000 annually unlocks bonus status benefits for the remainder of that year plus the following calendar year.
Best for
Travel PortalFlightsHotelsDining
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Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
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