Pros
- A premium card for travelers who can use lounge access, travel credits, protections, and transfer partners.
- Elevated points on Chase Travel, direct flights and hotels, dining, and other travel categories; premium annual travel and partner credits. Annual fee: $795.
- Intro APR value: No standard intro APR offer.
Cons
- The annual fee is high enough that unused credits can turn this into an expensive status symbol.
- The annual fee needs to be justified by spending, credits, or cardholder habits: $795
- Balance transfers are not free: Balance transfer fee applies.
Best for
- Readers who want luxury travel rewards and match a excellent profile.
- Households comparing Best cards, Travel options and willing to verify current issuer terms before applying.
- People who can make the annual fee math work before chasing rewards or credits.
Skip if
- You will carry a balance after any intro period; interest can erase rewards quickly.
- The main trade-off is a deal-breaker for you: The annual fee is high enough that unused credits can turn this into an expensive status symbol.
- You are not sure the rewards or credits will exceed the annual fee in a normal year.
Terms snapshot
- Rewards
- Elevated points on Chase Travel, direct flights and hotels, dining, and other travel categories; premium annual travel and partner credits.
- Welcome offer
- Bonus points offer varies.
- Intro APR
- No standard intro APR offer.
- Regular APR
- 19.49% to 27.99% variable APR.
- Balance transfer fee
- Balance transfer fee applies.
- Foreign transaction fee
- $0
Issuer terms and source check
BillSaver summarizes publicly available terms for comparison. Before applying, read the issuer terms page directly and confirm rewards, APRs, fees, welcome offer requirements, transfer rules, credits, and eligibility restrictions.
Open issuer terms for Chase Sapphire Reserve®
How BillSaver evaluates this card
We compare the card against the job a reader is likely hiring it to do: rewards, debt breathing room, travel value, student use, business spending, or credit building. The review weighs annual fee, reward simplicity, APR exposure, intro period, transfer cost, foreign transaction fee, credit profile, issuer terms access, and the practical trade-off called out above.
Credit card terms, welcome offers, APRs, credits, and eligibility rules can change without notice. BillSaver summarizes publicly available card terms for comparison only; verify rates, fees, rewards, and offer language with the issuer before applying. BillSaver may earn compensation from some product links when approved relationships exist; compensation does not replace issuer terms or editorial fit. Source: issuer terms page linked above. Last checked May 18, 2026. Read the BillSaver credit card methodology and advertising disclosure.