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Chase Sapphire Reserve®
- Our Rating 4.5/5 How our ratings work
- APR20.24% - 28.74% (Variable)
- Annual Fee$550
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Sign-Up Bonus
60,000Chase Ultimate Rewards Points
Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base)
This card features an annual credit for travel purchases, which can offset the annual fee, plus bonus points when you sign up. You'll also get free access to tons of Priority Pass lounges and restaurant options around the world, along with access to the Chase Sapphire Lounge network.
A Luxury Travel Credit Card With Premium Rewards
The Chase Sapphire Reserve® (Rates and Fees) stands out as an exceptional travel credit card, designed for discerning travelers seeking unparalleled benefits and rewards. With an annual fee of $550, it offers an impressive $300 annual travel credit, access to a plethora of airport lounges through Priority Pass™ Select, and reimbursement for Global Entry or TSA PreCheck® fees.
Moreover, its coveted Ultimate Rewards® points can be seamlessly transferred to airline and hotel partners or conveniently redeemed through the Chase Travel℠ portal, where your points are worth 50% more. Boasting a blend of luxury perks and flexible redemption options, the Sapphire Reserve is a card of choice for those who crave extraordinary travel experiences and are eager to invest in a world-class credit card.
Pros
- An array of premium travel perks including access to Priority Pass lounges
- Easy-to-use $300 travel credit that helps offset card's annual fee
- Generous rewards rates for spending
Cons
- High annual fee may be a deterrent for some
- Perks are starting to get stale relative to newer competition
Card Highlights
If you’re looking to elevate your travel experience, look no further than the Chase Sapphire Reserve®.
- Sign-up bonus of 60,000 points after you spend $5,000 in the first three months—that’s worth $900 in travel-related spending booked through Chase Travel℠, where points are worth 50% more.
- Earn 3 points per dollar on travel and dining purchases worldwide (after earning your $300 travel credit) and 1 point per dollar on all other purchases.
- Each card anniversary year, automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card.
- Priority Pass Select membership that gives access to over 1,300 airport lounges worldwide and comprehensive travel insurance coverage. Activation required.
- Global Entry or TSA PreCheck statement free credit every four years when you use your card to pay the application fee.
- No foreign transaction fees.
- Points can be transferred on a 1:1 basis to multiple airline and hotel loyalty programs, providing potentially higher value for your points.
The Chase Sapphire Reserve card comes with a $300 annual travel credit right away. That means the annual fee is effectively just $250 per year for frequent travelers. You also get free access to more than 1,300 Priority Pass lounges and restaurant options around the world. Those lounges usually offer free food and drinks, clean bathrooms, fast internet, and a comfortable place to sit outside of the ruckus of an airport terminal.
Sign-Up Bonus
The Chase Sapphire Reserve sign-up bonus rewards new cardholders with 60,000 Chase Ultimate Rewards points after they spend $5,000 during the first three months of account opening. This limited-time bonus is worth $900 in travel redemptions when booked through the Chase Travel℠ portal.
Recommended Credit Card Bonuses
| Credit Card | Intro Bonus | Annual Fee | Rewards Rate | Learn More |
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$250Cash Bonus
Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening |
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1.5% - 5%Cashback
Enjoy 5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
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60,000Citi ThankYou® Points
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. Dollar Equivalent: $1,080 (60,000 Citi ThankYou® Points * 0.018 base) |
$95 |
1X-10XPoints
10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases 3x -- Earn 3 Points per $1 spent on Restaurants 3x -- Earn 3 Points per $1 spent on Supermarkets 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations 1x -- Earn 1 Point per $1 spent on All Other Purchases |
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100,000Chase Ultimate Rewards Points
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $2,300 (100,000 Chase Ultimate Rewards Points * 0.023 base) |
$95 |
1x- 5xPoints
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Apply Now Rates and Fees |
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$200Cash Bonus
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. |
$0 |
2%Cashback
Earn unlimited 2% cash rewards on purchases. |
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Earning Rewards
Earning rewards is easy if you frequently spend on travel and dining:
- 10x points per dollar on hotels and car rentals booked through Chase Travel℠
- 10x points per dollar on Chase Dining purchases through Chase
- 5x points per dollar on flights through Chase Travel℠
- 3x points per dollar on all other travel
- 3x points per dollar on dining at restaurants, including takeout and select delivery services
- 1x points per dollar on all other purchases
- Limited time: 5x points per $1 spent on Lyft through September 30, 2027
With the Sapphire Reserve, you earn 3x points per dollar spent on travel and dining worldwide, plus 1x points per dollar on all other purchases. On top of that, points are worth 50% more when booking Chase Travel℠. Note that the 10x points on hotel stays and car rentals purchased through the Chase portal is offered immediately after the cardholder spends $300 on travel purchases annually.
Related Article
Chase Travel Rewards: Guide to Chase Ultimate Rewards
Redeeming Rewards
Points earned with the Sapphire Reserve can be redeemed in several ways:
- Travel redemption through Chase Travel℠: The best way to maximize your point value is through their travel rewards portal, where points are worth 50% more than their cash value.
- Transfer to airline and hotel partners: Points can also be transferred to a robust list of airline and hotel partners at a 1:1 ratio.
- Pay for Apple products: You can use your points for Apple purchases.
- Gift cards: Redeem your points for gift cards and choose from over 150 retailers.
- Pay with points: Use your points at checkout when shopping at popular retailers such as Amazon. Each point is worth $0.008 when using this option.
When you can redeem these rewards for premium class international flights or hotel reservations during peak season, it's often possible to realize several cents in value per point redeemed. For example, it's not uncommon to redeem 15,000 points for a free night in a Hyatt hotel that costs several hundred dollars a night. Or, you can transfer 150,000 points to frequent flyer miles, which you can redeem for a round-trip business-class ticket to Europe that would have cost over $5,000.
Transferring Points to Travel Partners
The best value and use for points usually comes from moving your Chase points to a transfer partner. But don’t move a point until you have a plan to use the resulting miles or points. Keeping them in the “bank” at Chase is the best strategy until you’re ready to book.
Chase Ultimate Rewards gives you access to all three big airline alliances. For example, you could use British Airways points to book flights on American Airlines. Thankfully, all points transfer to partners at a 1:1 ratio, and most transfers are instantaneous once confirmed. However, Singapore Airlines tends to take up to a day, and Marriott Bonvoy can take up to two days.
Airline partners:
- Aer Lingus AerClub
- Air France/KLM Flying Blue
- British Airways Executive Club
- Emirates Skywards
- Iberia Plus
- JetBlue TrueBlue
- Singapore Airlines KrisFlyer
- Southwest Airlines Rapid Rewards
- United MileagePlus
- Virgin Atlantic Flying Club
Hotel partners include mega-brands Hyatt, IHG and Marriott. Marriott has the largest list of properties of any hotel chain in the world. The Hyatt program has gained popularity since Marriott launched its new Bonvoy program, however. IHG also offers a large list of popular and luxury brands.
Hotel partners:
- World of Hyatt
- IHG Rewards Club
- Marriott Bonvoy
How to Maximize Sapphire Reserve Rewards
If you have a Chase Sapphire Reserve card, you have a powerful tool that gives you access to a variety of rewards and benefits. Here are some tips to help you maximize the benefits of your Chase Sapphire Reserve rewards:
- Earn bonus points: Take advantage of the generous sign-up bonus by spending the required amount within the timeframe specified. This initial infusion of points has the potential to significantly increase your reward potential.
- Utilize bonus categories: Familiarize yourself with the card's bonus categories, such as travel and dining. Use your Chase Sapphire Reserve for eligible purchases in these categories to earn bonus points at an accelerated rate.
- Leverage transfer partners: This card allows you to transfer Ultimate Rewards points to partner airline and hotel loyalty programs. Research the transfer partners to find the most valuable redemption options and maximize the value of your points.
- Optimize the travel redemption: When booking travel through the Chase Travel℠ portal, you can redeem your points for flights, hotels and car rentals. To maximize value, compare prices and consider using the card's 50% redemption bonus when booking through the portal.
- Take advantage of perks: Make use of the card's exclusive benefits, such as the $300 annual travel credit, complimentary airport lounge access and elite status with select hotel loyalty programs. These perks can enhance your travel experience and provide additional value.
Card Benefits and Perks
If you're excited about elevating your travel experience, then the Chase Sapphire Reserve may be the premium travel card that you've been looking for. Although it charges a hefty annual fee, this card offers a host of travel benefits designed to get you through the airport as quickly and luxuriously as possible:
- $300 annual travel credit: The Chase Sapphire Reserve travel credit reimburses cardholders for up to $300 worth of travel-related purchases. You can use this credit to book travel, pay fees and even pay taxes on award reservations. Eligible purchases are automatically wiped off your balance through statement credits.
- Global Entry, NEXUS and TSA PreCheck credits: The Sapphire Reserve card offers a Global Entry, NEXUS or TSA PreCheck credit to cardholders of up to $100 reimbursement to cover the cost every four years.
- Priority Pass: The Chase Sapphire Reserve offers a Priority Pass benefit, which allows account holders to enjoy airport lounge access with a complimentary Priority Pass Select membership (activation required).
- No foreign transaction fee: Make as many international purchases as you like without paying extra fees.
- Rental car insurance: Cardholders benefit from car rental insurance, which allows you to decline the rental company’s collision insurance. As long as the rental car is paid for with the card, you can enjoy up to $75,000 in theft and collision damage for car rentals worldwide.
- Hotel benefits: In addition to getting 10 points for every dollar spent on lodging booked through Chase Ultimate Rewards, the card also gives you access to The Luxury Hotel & Resort Collection, which includes more than 1,000 of the world's finest hotels, resorts and spas that have unique benefits such as room upgrades, free daily breakfast for two, early check-in and late checkout.
- Purchase protection: Get 120 days of coverage for new purchases against damage or theft, up to $10,000 per claim and $50,000 per year.
This premium card offers an exceptional range of benefits that make it a top choice for discerning travelers. From the generous $300 annual travel credit and airport lounge access to the flexibility of Ultimate Rewards points and comprehensive travel insurance coverage, the card delivers unparalleled value and luxury experiences.
Recommended Travel Credit Cards
| Credit Card | Intro Bonus | Annual Fee | Rewards Rate | Learn More |
|---|---|---|---|---|
|
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100,000Chase Ultimate Rewards Points
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $2,300 (100,000 Chase Ultimate Rewards Points * 0.023 base) |
$95 |
1x- 5xPoints
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
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60,000
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip. |
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1x - 5xPoints
Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases. |
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50,000Southwest Rapid Rewards Points
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $700 (50,000 Southwest Rapid Rewards Points * 0.014 base) |
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1x - 2xPoints
Receive 3,000 anniversary points each year. Enjoy benefits including 2X points on local transit and commuting, including rideshare, 2X points on internet, cable, and phone services; select streaming, 2 EarlyBird Check-In® each year, 10,000 Companion Pass® qualifying points boost each year, and more. |
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60,000Citi ThankYou® Points
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. Dollar Equivalent: $1,080 (60,000 Citi ThankYou® Points * 0.018 base) |
$95 |
1X-10XPoints
10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases 3x -- Earn 3 Points per $1 spent on Restaurants 3x -- Earn 3 Points per $1 spent on Supermarkets 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations 1x -- Earn 1 Point per $1 spent on All Other Purchases |
Apply Now Rates & Fees |
Drawbacks
While the card is renowned for its exceptional rewards and travel benefits, it's important to also be aware of its limitations. Here are some of the potential disadvantages of the Chase Sapphire Reserve:
- Cash-back redemption: The card offers a versatile rewards program but is heavily geared toward travel redemptions. If you redeem points for cash back, you'll only get 1 cent per point, as compared to a potential value of 1.5 cents per point when redeeming for Chase Travel℠. It may not be the best option if you prefer cash-back rewards over travel.
- Annual travel credit restrictions: The $300 annual travel credit is a significant perk, but it's applied to travel purchases automatically. If you have specific plans for reward redemption, the automatic application of this credit may limit your flexibility.
- High annual fee: You need to spend a substantial amount on travel and dining to make the annual fee worth it if you consider just reward points. You'd need to spend about $3,000 annually on travel and dining to break even on the annual fee after the $300 travel credit. If your spending in these categories is lower, it might not be the best fit.
- Must spend on travel and dining to benefit: The card is designed for travel and dining, and its benefits and rewards structure mirrors this. If your spending habits don't include much traveling or dining out, this card may not offer you the best value.
- Rewards system may seem complex: If you prefer a straightforward rewards system, you may find this card’s rewards program complex. With variable point values depending on redemption methods and category spending bonuses, it can take some effort to maximize the value of your rewards.
Remember, it's all about aligning a credit card with your lifestyle and financial goals. The Sapphire Reserve is a powerful tool for frequent travelers but not everyone will benefit from all the card has to offer.
Annual Fee
This credit card has an annual fee of $550. However, if you take full advantage of travel credits, it’s like a $300 discount on the annual fee.
An annual fee is a set charge that occurs annually. For credit cards with annual fees, the charge is applied to your account as soon as you are approved. You will see that same charge on your card's anniversary. If you do not pay the annual fee in the billing statement you receive, you will start to pay interest on it.
APR
The card charges a 20.24% - 28.74% (Variable) APR based on your creditworthiness. Also known as the "annual percentage rate,” a regular APR is the interest rate you will pay on your credit card balance expressed as a yearly rate. It's important to understand that APR can fluctuate throughout the calendar year.
Other Fees
Aside from the annual fee, the Chase Sapphire Reserve card comes with a few other fees. These include:
- Cash advance fee: If you use your credit card to withdraw cash, there's a fee for each transaction.
- Balance transfer fee: If you transfer a balance to this card, you'll be charged a fee for each transfer.
- Late payment fee: You may be charged a fee if you make a late payment.
- Returned payment fee: If a payment is returned, you could also face a fee.
The card, fortunately, does not charge a foreign transaction fee, making it an excellent choice for international travel.
Recommended Credit Score
Chase doesn't publicly disclose the specific credit score needed to get the Sapphire Reserve, but generally, a good to excellent credit score is required for approval. This typically means a credit score of 670 or higher.
However, your credit score is just one factor Chase considers when reviewing your application. Other factors, such as your income, your debt-to-income ratio, and your overall credit history, also play a role in the decision.
How the Sapphire Reserve Compares to Other Cards
Before you commit to any credit card, compare it to others to ensure you get the best one for your needs and preferences. By comparing things like rewards structure, benefits, fees, and redemption options, you can make a smart choice and get the most out of the rewards card you choose.
| Card | Welcome Offer | Annual Fee | Rewards Rate | Learn More |
|---|---|---|---|---|
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60,000Chase Ultimate Rewards Points
Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base) |
$550 |
1x - 10xPoints
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. |
Apply Now Rates and Fees |
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75,000Capital One Rewards Miles
Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel Dollar Equivalent: $1,275 (75,000 Capital One Rewards Miles * 0.017 base) |
$95 |
2 - 5 miles per dollarMiles
The card offers a flat 2 miles per dollar on every purchase you make, every day, giving cardholders predictability and simplicity. You'll also earn 5 miles per dollar on all hotel, vacation rental and rental car purchases that you make with the card through Capital One's proprietary travel booking platform. |
Apply Now Rates & Fees |
Chase Sapphire Reserve vs. The Platinum Card® from American Express
The Platinum Card® from American Express may be ideal for people who frequently use American Express' travel partners, such as Delta or Hilton. These partnerships may make it easier for cardholders to leverage their points for greater value. Furthermore, those who value the Platinum Card's luxury travel benefits, such as Centurion lounge access and high-end hotel status, may find it particularly appealing. Keep in mind that transfer ratios differ depending on the partner. Enrollment is required for select benefits and terms apply.
The Chase Sapphire Reserve, on the other hand, may be a better fit for those who frequently travel with its partners, which include United Airlines, Southwest, Marriott, and Hyatt. Since the Sapphire Reserve lets you transfer points at a 1:1 ratio with all partners, it might be especially appealing to people who like having more control over how their points are transferred. Besides that, because of the Sapphire Reserve's broad-based reward categories, those who spend a lot on a wider range of dining and travel expenses may benefit from it. In essence, both cards are designed for frequent travelers who are willing to pay higher annual fees for luxury benefits.
Your particular spending patterns, preference for particular benefits, and compatibility with each card's travel partners would determine which card is right for you.
Chase Sapphire Reserve vs. Capital One Venture Rewards Credit Card
Both the Chase Sapphire Reserve and the Capital One Venture Rewards Credit Card are popular travel credit cards that reward you for travel expenses. The Chase Sapphire Reserve earns Ultimate Rewards points, giving you more options with transfer partners and potentially increasing redemption value. In contrast, the Capital One Venture Rewards Credit Card earns miles that can be redeemed for travel expenses at a fixed rate, providing simplicity for straightforward redemptions.
Both cards offer travel protections, no foreign transaction fees, and access to travel perks. But the Chase Sapphire Reserve goes above and beyond with premium perks like a $300 annual travel credit and access to the extensive rewards portal.
While it also has a much higher annual fee of $550, its luxury benefits and statement credits help offset the cost. In comparison, the Capital One Venture Rewards Credit Card has a lower fee of $95 (Rates & Fees).
If you consider yourself a luxury traveler who appreciates premium benefits, a flexible rewards program, and is willing to pay a higher annual fee, then the Chase Sapphire Reserve may be right for you. But for budget-conscious travelers looking for a straightforward rewards program with a lower annual fee, the Capital One Venture Rewards Credit Card is likely a no-brainer.
Chase Sapphire Preferred® or Chase Sapphire Reserve®?
The Chase Sapphire Preferred® (Rates and Fees) is a great card for those who are just getting started earning travel rewards, and the Sapphire Preferred continues to be a solid choice for all but the most frequent travelers and hardcore award travel enthusiasts.
Even though the Chase Sapphire Preferred has some similar benefits, there are some important differences between these two cards. The Sapphire Preferred has a more affordable $95 annual fee, but because of the cheaper price tag, it does not offer as many travel benefits as the Reserve.
The Chase Sapphire Preferred earns fewer points per dollar spent on purchases, and it also does not offer TSA or Global Entry credits or travel reimbursement credits. Similarly, the Sapphire Preferred does not provide cardholders with the coveted Priority Pass membership. Read our full review of the Chase Sapphire Preferred.
Chase Sapphire Reserve® vs. Chase Sapphire Preferred®
| Credit Card | Intro Bonus | Annual Fee | Rewards Rate | Learn More |
|---|---|---|---|---|
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60,000Chase Ultimate Rewards Points
Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base) |
$550 |
1x - 10xPoints
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. |
Apply Now Rates and Fees |
|
|
100,000Chase Ultimate Rewards Points
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $2,300 (100,000 Chase Ultimate Rewards Points * 0.023 base) |
$95 |
1x- 5xPoints
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Apply Now Rates and Fees |
Who Is the Chase Sapphire Reserve Good for?
The Chase Sapphire Reserve is an excellent choice for people who travel often, can take full advantage of its rewards and perks, and are willing to pay a higher annual fee for these benefits. The card provides generous rewards for spending on travel and dining, along with an assortment of premium travel benefits, such as a sizable annual travel credit, Priority Pass Select access to airport lounges worldwide, and premium travel insurance. It also gives you more value for your points when you use the Chase Travel℠ portal.
However, the card may not be the best option for those who are hesitant to pay a high annual fee and would prefer to consider other cards with lower fees, even if they provide fewer benefits. This card requires a good to excellent credit score, so people with poor credit may have difficulty getting approved. Also, if you prefer cash-back rewards to travel benefits, this card may not be for you because its reward system is heavily focused on travel redemption.
Regardless, it’s always important to compare several cards from different banks to ensure you’re applying for the best premium credit card for your financial situation.
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FAQs
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While the Chase Sapphire Reserve isn't too hard to get, but it does require good to excellent credit score, usually in the range of 670 to 800. The bank may also consider other factors, including your income, your payment history and current debt. Also, this card is marketed toward more affluent customers, so it requires a higher level of financial stability.
Be aware of Chase's 5/24 rule states that your application is likely to be rejected if you've applied for five or more personal credit cards from any bank in the previous 24 months.
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Yes, the Sapphire Reserve is a high-end credit card. Its strong travel rewards and perks, along with its premium benefits and high annual fee, place it firmly in the luxury credit card category. Cardholders can benefit from features such as a generous point system, particularly for travel and dining expenses, comprehensive travel insurance, Priority Pass Select access to over 1,300 airport lounges worldwide, and an annual $300 travel credit.
The card also offers a number of additional advantages, including trip delay reimbursement, insurance for rental cars, and even credits for specific travel-related services. However, these high-end benefits come with a significant annual fee, so it's best for frequent travelers or those who spend a lot of money on travel and dining.
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While the credit card issuer doesn't publish its credit limits, the Chase Sapphire Reserve typically provides a higher limit than many other credit cards. The base credit limit for this card is frequently $10,000, indicating Chase expects cardholders to manage higher levels of spending and repayment.
Factors like your credit history, income, debt-to-income ratio and overall financial situation can have a significant impact on the precise credit limit given. Consistent credit habits, like paying bills on time and keeping your credit usage rate low, could lead to an increase in your credit limit over time.
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Yes, the Chase Sapphire Reserve credit card is a metal card. You don't have to ask for a metal card in particular when you apply. Chase always issues the Sapphire Reserve as a metal card. Your new metal card will be mailed to you once your application has been approved.
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Being denied the Chase Sapphire Reserve credit card could be due to various factors. Common reasons include having a low credit score or a high debt-to-income ratio, which may indicate to the lender that you will struggle to manage additional credit.
Additionally, Chase's 5/24 rule indicates your application will likely be rejected if you have opened five or more credit card accounts in the previous 24 months with any issuer, not just Chase. Insufficient income or a history of late payments could also result in a denial. If your request is rejected, you can call Chase's reconsideration line and provide additional details or context in an effort to have the decision overturned.
Jason Steele
Jason Steele is a journalist who specializes in covering credit cards, award travel and other areas of personal finance. As one of the nation’s leading experts in the credit card industry, Jason’s work has been featured at mainstream outlets such as Yahoo! Finance, MSN Money and Business Insider.
