Chase Sapphire Reserve® Credit Card

Chase Sapphire Reserve® Credit Card

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9.4/10 (Expert Score)
Product is rated as #5 in category Credit Cards
  • Priority Pass™ membership (estimated $557 value when considering guest access)
  • $300 annual travel credit
  • Estimated 1.74% purchase yield
  • Priority Pass™ has lost some of its luster (users have reported challenges in accessing lounges at peak times)
  • $450 annual fee (plus $75 for each authorized user)

Last Updated on December 31, 2019

We have incredibly mixed feelings about the Chase Sapphire Reserve® Credit Card.

Objectively, this card offers an incredible value.  We estimate, assuming an annual card purchases of $15,000, a return of $1,518 in year 1 and $693 every year thereafter.

However, a bulk of this value is in the form of a Priority Pass™ Select membership (a global,  virtual airport lounge network – advertising access to over 1,300 partner lounges across 600 cities in 148 countries around the world). Unfortunately, Priority Pass™ has lost some of its luster over the past few years as many users have reported being denied access to affiliated lounges at airports worldwide, especially during peak hours.  Without the membership considered, the value that this card offers is just about average, even when you consider the $300 in annual travel credits, the TSA Pre credit and estimated purchase yield of 1.74%.  That’s because of the $450 annual fee (plus $75 per authorized user).

If you are considering this card, we encourage you to learn more about Priority Pass™ including its many benefits and some of the challenges encountered by fellow travelers.  If you are an existing fan of Priority Pass™ or travel to cities not often impacted by access denials, then the value of this card is undeniable.


Issuer & Payment Network


Payment Network

Network Benefit Level

Estimated Purchase Yield

Estimated Purchase Yield



Assumes points are redemed for travel (50% redemption bonus) and assumes average spending distribution (tripe rate applied to travel and dining out)

Bonus Offers

Bonus Offer Value


Bonus Offer

50,000 bonus points (requires $4,000 in new purchases within first 3 months) plus a $100 statement credit for TSA Pre fee every 4 years

Ongoing Bonuses

$300 in annual travel credit (applied as a statement credit) upon each anniversary year and a $100 statement credit for TSA Pre fee every 4 years

Estimated Annual Card Value

Yr 1 @ $5k in Purchases


Yr 1 @ $15k in Purchases


Yr 1 @ $30k in Purchases


Yr 2+ @ $5k in Purchases


Yr 2+ @ $15k in Purchases


Yr 2+ @ $30k in Purchases


Valuation Notes

Bonus value (including ongoing bonuses for years 2+) plus value of rewards for stated annual purchasing level. Less any annual fee. Plus value of Priority Pass™ Select Membership calculatd at the current

Airport Lounge Access

Lounge Access?


Lounge Network

Priority Pass™


2 free guests each visit (Authorized Users get their own membership and thusly may bring two guests as well). Additional guests @ $27 each.

Access Restrictions

Food and drink limitations apply at some lounges (refer for information by lounge)

Reward Points

Do Points Expire?

No (as long as the account remains open)

Redemption Options

Travel (booked via rewards site), Merchandise, Gift Cards and Statement Credits

Can Points Be Transferred?

Yes - Aer Lingus, AerClub, British Airways Executive Club, Emirates Skywards®, Flying Blue Air France KLM, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards®, United MineagePlus®, Virgin Atlantic Flying Club, IHG® Rewards Club, Marriott Bonvoy™, World of Hyatt®

Fees & APRs

Annual Fee

$450 + $75 for each additional authorized user

Foreign Transaction Fees


Late Payment Fee


APR - Intro (Purchases)

No Current Standard Intro Offers

APR - Intro (Balance Transfers)

No Current Standard Intro Offers

APR - Cash Advance

26.49% + $10 or 5% (whichever is greater)

APR - Regular (Purchases)

18.49% to 25.49%

APR - Regular (Balance Transfers)

18.49% to 25.49% + $5 or 5% (whichever is greater)

Grace Period

21 Days

Protections & Services

Zero Liability Protection

Purchase Protection

Extended Warranty Protection

Trip Cancellation / Interruption

Auto Rental Collision Damage Waiver

Other Items

Recommended Credit Level

Very Good+ (FICO Score: 740-850)

Link to Issuer Website

Date Information Confirmed

December 29, 2019

Chase Sapphire Reserve® Credit Card
Chase Sapphire Reserve® Credit Card
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