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Related: The Last Credit Card You’ll Ever Need: Chase Sapphire Reserve
The Chase Sapphire Reserve is a premium credit card for travel lovers who appreciate luxury benefits. From its fantastic rewards program and useful travel benefits to strong purchase protection plan, this card is among the best available to frequent travelers.
One of the biggest reasons to find it worth it to get the Chase Sapphire Reserve is its flexible Ultimate Rewards® points system. ☛ Cardholders earn 3x points on dining out and traveling expenses, and those points are worth 50% more when redeemed through the Chase Ultimate Rewards portal for travel. Chase also sometimes has exclusive transfer partnerships with popular airline and hotel loyalty programs to get the most out of your rewards.
In addition to rewards, this card offers elite travel perks like a $300 annual travel credit, Priority Pass™ lounge access and high-level travel insurance. Combined with the complimentary Global Entry or TSA PreCheck credit, travel becomes easier and more enjoyable.
The Chase Sapphire Reserve, for those who are not afraid of security, includes strong purchase protection, extended warranties and trip delay insurance. From traveling, to going to restaurants, to buying something big, this card makes sure you’re getting the best bang for your buck and the highest caliber of safety.
With so many premium features, the Chase Sapphire Reserve isn’t just a credit card — it’s an investment in a better travel experience.
The Undeniable Benefits of Chase Sapphire Reserve
Generous Rewards on Travel and Dining
Generous Rewards on Travel and Dining
Chase Sapphire Reserve: Earn 3X points on travel and dining purchases and 10X points on hotels and car rentals booked through Chase Ultimate Rewards. This card is one of the finest options around for frequent travelers who want to get the most out of their spending.
$300 Annual Travel Credit
The single best feature is an annual travel credit of $300, which more than cancels out the cost of the card. This credit includes a variety of travel-related expenses — flights, hotels, car rentals and even rideshares.
INITIAL SPENDING REQUIREMENT: $4,000 in the first three months from account opening; CARD BENEFITS: Priority Pass Select membership for lounges worldwide.
As a cardholder, you receive free entry to Priority Pass Select, which grants access to more than 1,300 airport lounges around the globe. Include free refreshments, Wi-Fi, and space away from the hustle and bustle of the airport to unwind before your flight, and you’ll be on your way to a comfortable and luxurious travel experience.
Better Travel and Purchase Protections
The card comes with excellent travel protections such as trip cancellation insurance, auto rental collision damage waiver and emergency evacuation insurance. You also enjoy purchase protection and extended warranty on eligible purchases.
What You Can Do Before Applying
High Annual Fee
The Chase Sapphire Reserve comes with an annual fee of $550, which can be off-putting to some users. However, you can easily justify this fee with the extensive travel perks that it includes, along with the $300 travel credit and high-value rewards.
What You Need to Know Before You Apply for the Chase Sapphire Preferred
Small Negatives That Don’t Balance Out the Positives
Annual Fee of $95: Lower than many premium cards, there are travelers who may want a no-annual-fee card if they don’t travel enough to earn enough rewards to make the annual fee worth it.
No Lounge Access: Similar with many industry-leading travel cards, the Chase Sapphire Preferred doesn’t provide free airport lounge access, which is a downside for luxury travelers.
How to Apply for the Chase Sapphire Preferred
The application process for the Chase Sapphire Preferred is straightforward; it can usually be completed in a matter of minutes online. Check your credit score (which should be good to excellent — typically, 700+ to improve your chances of getting approved) before you apply. When reviewing applications, Chase takes into account credit history as well as income level and existing accounts.
To apply, go to the Chase website and submit an application form with personal and financial information for review. If you are approved, you’ll get your card in 7–10 business days. Just activate your card and you can track your rewards instantly. To utilize your benefits to the fullest, try to hit the minimum spend threshold (the amount you need to spend to unlock a welcome bonus, for example) within the first three months.
If you are an existing Chase customer, you could get a pre-approved offer that can fast-track the process. You’ll be on your way to maximizing your travel rewards with the right planning.
How to Apply for the Chase Sapphire Preferred Step by Step
Check your Credit Score: Aim for a 700+ score to improve your chances of approval.
Financial information: Bring details about your income, employment or current credit card accounts.
Go to the Chase Website
Fill Out the Application – Enter your personal and financial information and be accurate to avoid issues later in the process.
Press Submit and Wait for Approval — Chase will likely either approve you instantly, or review for a few days. Once approved, you will receive your card within 7–10 business days.
Follow these easy steps to start reaping the incredible benefits of the Chase Sapphire Preferred immediately!
The Chase Sapphire Preferred is one of the best travel rewards credit cards on the market, with valuable perks, high rewards rates and flexible redemption options for a reasonable annual fee.
Whether you travel often and want higher-end travel protections or you want to get the most out of your daily spending, this card is a solid option.
Just the welcome bonus of up to 60,000 points gives you plenty of value from the card, enough to justify the initial spending requirement alone.
There are some minuscule downsides — no airport lounge access — but the benefits of the card a hundred-fold trump those deficits.
Simply complete the application process we detail above, and you can get approved and be earning rewards in short order.
If you’re looking to step up your travel game and get more bang for your buck with each purchase you make, the Chase Sapphire Preferred is a financial no-brainer.
Now go apply and start unlocking amazing travel experiences! Whether you are looking to plan the next vacation, book a business trip, or just maximizing your expenses, this card balances the best rewards and affordability to give you the most out of your cents.
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