Chase Sapphire Reserve Credit Card Review: The Chase Sapphire Reserve Credit Card remains among the highly demanded top travel premium credit cards on the US market in 2025. This card is loaded with rich rewarding benefits, travel benefits and has good protection benefits and is ideal for those who travel a lot and would like to optimize their purchases. So, what should you know about the Chase Sapphire Reserve? Let us find out.
Key Highlights
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Bonus Offer: 60,000 bonus points after spending $5,000 in the first 3 months.
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Other Fees: $550 (and 75 dollars per authorized user).
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APR: Variable 20.24%–28.74%.
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Travel Credit: $300 annual travel credit.
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Rewards Rate: Up to 10x points on select travel categories.
Sign-Up Bonus: 60,000 Points
The new cardholders will receive a sign-up bonus of 60,000 bonus points when they spend $5,000 within the first 3 months. These points can be valued up to $900 through Chase Travel since there is a 50% bonus on the value of the points when they are redeemed towards travel.
Important: To be eligible, you must not have any Sapphire card now and have not got a new cardmember bonus on a Sapphire card in the last 48 months.
Earning Rewards
The Chase Sapphire Reserve offers multiple ways to earn:
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5X points on flights booked through Chase Travel (after using the $300 travel credit).
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10X points on hotels and car rentals booked via Chase Travel (after using the travel credit).
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3X points on dining worldwide (including eligible delivery, takeout, and dine-in).
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3X points on all other travel purchases worldwide.
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10X points on Chase Dining purchases via Ultimate Rewards.
Redeeming Rewards
The card shines with its redemption flexibility:
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50% More Value on travel redemptions through Chase Travel.
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No blackout dates or travel restrictions — if a seat or room is available, you can book it.
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1:1 Point Transfer to top airline and hotel partners.
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Points never expire while your account is open.
Travel Benefits
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$300 Travel Credit: Annual reimbursement for travel purchases.
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Lounge Access: Complimentary access to 1,300+ Priority Pass™ lounges worldwide, including Chase Sapphire Lounges.
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Global Entry / TSA PreCheck / NEXUS Credit: Receive up to $120 every 4 years for application fees.
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No foreign transaction fees: Save 3% on every international purchase.
Travel Protection & Insurance
The Chase Sapphire Reserve offers one of the most comprehensive travel insurance packages:
| Benefit | Coverage |
|---|---|
| Auto Rental Collision Damage | Up to $75,000 |
| Trip Cancellation/Interruption | Up to $10,000 per traveler ($20,000 per trip) |
| Trip Delay Reimbursement | Up to $500 per traveler |
| Travel Accident Insurance | Up to $1,000,000 |
| Lost Luggage Reimbursement | Up to $3,000 per traveler |
| Baggage Delay Insurance | $100/day for up to 5 days |
| Emergency Evacuation & Transportation | Up to $100,000 |
| Emergency Medical & Dental | Up to $2,500 (with $50 deductible) |
| Roadside Assistance | 4 incidents/year up to $50 each |
Purchase Protection
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Purchase Protection: 120 days coverage, up to $10,000 per item for theft or damage.
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Return Protection: Up to $500 per item if a store won’t accept the return (within 90 days).
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Extended Warranty: Adds 1 extra year on eligible warranties (3 years or less).
Additional Partner Benefits
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DoorDash DashPass Membership: Complimentary 12-month membership (activate by Dec 31, 2027).
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Monthly DoorDash Credit: Up to $25 in monthly promos.
Chase Pay Over Time
This unique feature allows eligible purchases to be split into smaller, budget-friendly payments:
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Post-purchase plans: For purchases over $100 with no interest, just a fixed monthly fee.
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Amazon checkout plans: Pay over time for Amazon orders of $50 or more.
Instant Card Access
Get access to your Chase Sapphire Reserve instantly by adding it to Apple Pay, Google Pay, or Samsung Pay right after approval.
Who Should Get This Card?
The Chase Sapphire Reserve is ideal for:
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Frequent travelers who want premium travel perks.
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Big spenders who can maximize the $300 travel credit.
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Consumers who redeem points through Chase Travel.
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International travelers who want no foreign transaction fees.
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People who value strong travel protections and purchase benefits.
Pros & Cons
Pros:
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Huge sign-up bonus.
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Premium travel perks & lounge access.
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Comprehensive travel insurance.
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Flexible redemption options.
Cons:
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High annual fee ($550).
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Best rewards are tied to Chase Travel bookings.
Conclusion
The Chase Sapphire Reserve Credit Card is still considered as one of the finest high-end travel credit cards in 2025. It has one of the best lucrative reward structures coupled with elite travel benefits and solid protection benefits that can easily offset its high annual fee, especially on frequent travelers and those who maximize its benefits.
Braj Verma is a resident of Rajgarh in Madhya Pradesh and is a content writer and freelancer by profession. He has a degree in Political Science from Barkatullah University, Bhopal. He has expertise in subjects like credit cards, banking, loan, insurance, political analysis and digital marketing.