Premium travel card with $300 travel credit and lounge access.
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Excellent credit — 740+ FICO typical; Chase 5/24 rule applies
ClearValue Rating: 3.9 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Frequent travelers who will use the $300 travel credit and Priority Pass lounge access regularly.
| Year 1 value | Ongoing value |
|---|---|
| 60K-point welcome bonus (~$900 in Chase Travel) + $300 travel credit; net fee ~$250 after credit | 10x/5x/3x tiered rewards on travel + dining; $300 annual travel credit; $550 annual fee (net ~$250 after credit); Priority Pass lounge access; no FX fees |
| Welcome spend: $4K in first 3 months; $300 travel credit applies automatically to travel purchases | |
Chase Sapphire Reserve — Premium travel card with $300 travel credit and lounge access. Best for: Frequent travelers who will use the $300 travel credit and Priority Pass lounge access regularly.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
The $300 travel credit applies automatically as a statement credit to travel purchases — no enrollment required. It covers a broad range of travel merchants including airlines, hotels, car rentals, and transit. The credit refreshes each cardmember year. After the credit, the net annual fee is $250.
Reserve is better for frequent travelers who will consistently use the $300 travel credit and Priority Pass lounge access, and who spend heavily in travel and dining. Preferred is better for moderate travelers who want transferable points without a $550 gross fee. At high travel spend, Reserve's 1.5 cents per point redemption value and lounge access tip the math in its favor.
It includes Priority Pass Select membership, which provides access to 1,300+ airport lounges worldwide. Priority Pass Select allows access to the lounges themselves — it doesn't include Amex Centurion Lounges or Capital One Lounges, which require those issuers' cards.
A 740+ personal FICO is a typical floor — higher than Sapphire Preferred. Chase also applies the 5/24 rule. You cannot hold both Sapphire Reserve and Sapphire Preferred simultaneously, and Chase limits new Sapphire bonuses to once per 48 months.
Yes — Chase Sapphire Reserve includes a complimentary DashPass membership (DoorDash's subscription that waives delivery fees on qualifying orders). Enrollment is required through the Chase rewards portal. Verify the current benefit period and activation steps at the Chase issuer page, as benefit terms are subject to change.
The $300 annual travel credit applies automatically to a broad range of travel merchants — including airlines, hotels, car rentals, taxis, rideshares, transit (subway, trains, buses), ferries, and parking. No category selection is required in advance; credits post automatically. The credit resets each cardmember anniversary year, not on a calendar-year basis.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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